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When viewing the transaction list on an individual PR, you may see a range of transactions, here's what they mean.

Note - when a transaction is "pending" - we cannot report on it's status, it's in progress within the broader Australian payments system with no other data available that that time. Our system updates transaction status in real-time when that data is provided, so just be patient.

The funds that we are due to send to you, or the designated 3rd party for some products:

Pending (transaction has been initiated but not yet completed)

- Pay now - card payments can take a day or so for funds to be received into FlipPay's account, disbursement will not proceed until those funds are received &amp; reconciled
- Pay later - transaction is in progress of being sent (can be held for internal checks, or can be sent in seconds/minutes from approval)

- Pending (transaction has been initiated but not yet completed)
  - Pay now - card payments can take a day or so for funds to be received into FlipPay's account, disbursement will not proceed until those funds are received &amp; reconciled
  - Pay later - transaction is in progress of being sent (can be held for internal checks, or can be sent in seconds/minutes from approval)
- Disbursed (funds have been sent)

The payment that you (or your customer, or designated 3rd party for some products) is scheduled to make to FlipPay.

- Scheduled auto-debits (when FlipPay will automatically debit a card/account)
- Some products don't auto-debit, but will show a similar transaction indicating when FlipPay expects to receive repayment via EFT

- Card - when a card payment is successful, it will immediately show as such, allowing you to proceed with confidence that funds will be disbursed to you typically on the next business day
  - Can be triggered by the platform automatically, or a customer via the customer portal
- Direct debit will show as successful 2-3 days after initiated, when it has cleared.
- EFT - will only show once an EFT transaction has been received &amp; reconciled by FlipPay

- Direct debit takes 2-3 days to complete, so will show as "pending" after it has been initiated, until it succeeds or fails.

- When a card payment or direct debit fails

- Typically scheduled automatically on card payments that fail, for 2 days after the failure.

- Scheduled
  - Scheduled auto-debits (when FlipPay will automatically debit a card/account)
  - Some products don't auto-debit, but will show a similar transaction indicating when FlipPay expects to receive repayment via EFT
- Successful
  - Card - when a card payment is successful, it will immediately show as such, allowing you to proceed with confidence that funds will be disbursed to you typically on the next business day
    - Can be triggered by the platform automatically, or a customer via the customer portal
  - Direct debit will show as successful 2-3 days after initiated, when it has cleared.
  - EFT - will only show once an EFT transaction has been received &amp; reconciled by FlipPay
- Pending
  - Direct debit takes 2-3 days to complete, so will show as "pending" after it has been initiated, until it succeeds or fails.
- Failed
  - When a card payment or direct debit fails
- Auto-retry
  - Typically scheduled automatically on card payments that fail, for 2 days after the failure.

Any fees charged to you or your customer.

Applied - when a fee is applied to a PR (e.g. service fee, dishonour fee, extension fee, etc)

- Applied - when a fee is applied to a PR (e.g. service fee, dishonour fee, extension fee, etc)

Disbursement

Payments

Fees