Overview of payment statuses

Pending submission

The payment has been created in your dashboard, but hasn’t yet been submitted to the banking system for processing. The payment will be automatically submitted prior to the charge date. You can still cancel
payments while they are pending submission.

Submitted

The payment has been submitted to the banking system for processing, and can no longer be cancelled. If you would still like to cancel the payment at this stage, please advise your customer to contact their bank directly with this request. 

Confirmed

The payment has been confirmed by the customer’s bank as having been successfully collected from their account. Once the payment has been confirmed, GoCardless will arrange for it to be paid out to your registered account. Please note that we can only pay out to a bank account that has been fully verified. 

Paid out

The payment has been paid out by GoCardless to your registered account. Payouts are typically generated in the morning and should arrive into your account in the afternoon. Please note that all times are estimated.

Failed

The payment was not successfully collected from the customer’s bank account. The reason for this failure will be listed on your GoCardless dashboard. You can manually retry a failed payment up to 3 times. 

Cancelled

The payment was cancelled before the charge date.
No further action will be taken on this payment. If you would like to retry this payment, we would advise creating a new payment for the customer. 

Pending customer approval

The customer has selected “More than one person is required to authorise Direct Debits” on the online mandate form, but has not yet sent this
to GoCardless.

Alternatively, the customer is set up with a restricted mandate and has not yet approved the payment. 

Charged back

The payment was returned to the customer’s bank account in accordance with Direct Debit rules. This is actioned by the customer’s bank at the request of the customer.

Late failure

Late failures occur when a paying customer's bank fails to inform us that a payment could not be collected and so the payment gets marked as confirmed, but without the funds having been received.

The customer’s bank will later send us a delayed report (usually within 1 additional business day), informing us that an unsuccessful payment was not included in the initial report. As this new report is processed, the payment is updated to reflect the correct ‘failed’ status.