Transaction Statuses

This page is for developers wiring up webhook handlers and dashboard logic across any of Meld’s crypto products. It lists every status a Meld transaction can have, what each one means, and which are temporary vs final. Statuses are identical across White-Label API, Meld Checkout, and Virtual Account.

Use TERMINAL statuses to decide when to stop polling, release funds, or surface a final UI state to the user. Use TEMPORARY statuses to display progress.

Common Transaction Flow

The typical successful transaction follows this progression: PENDING→SETTLING →SETTLED

PENDING: User has started payment process
SETTLING: User submitted payment, funds being processed
SETTLED: Payment completed successfully, crypto delivered to user
FAILED: Transaction unsuccessful at any stage

Status Types

TEMPORARY: Status will continue to change as transaction progresses
TERMINAL: Final status - no further changes will occur

Current Transaction Statuses

Active Processing States

Status	Description	Type	User Action
`PENDING CREATED`	Transaction created in Meld system, awaiting provider processing	TEMPORARY	Wait for processing
`PENDING`	Submitted to provider for review and verification	TEMPORARY	Wait for approval
`SETTLING`	Provider approved transaction, crypto transfer in progress	TEMPORARY	Wait for completion
`TWO_FA_REQUIRED`	Payment info provided, awaiting 2FA verification	TEMPORARY	Complete 2FA verification
`TWO_FA_PROVIDED`	2FA submitted, provider validating with card issuer	TEMPORARY	Wait for validation
`ERROR`	Technical error during processing - transaction may retry	TEMPORARY	Monitor for retry or failure

Final States

Status	Description	Type	Next Steps
`SETTLED`	Transaction completed successfully, crypto delivered	TERMINAL	Transaction complete
`FAILED`	Transaction declined by payment systems	TERMINAL	User can retry with different method
`DECLINED`	Declined by provider or bank (insufficient funds, invalid card, etc.)	TERMINAL	User should check payment method
`CANCELLED`	Cancelled by user during payment process	TERMINAL	User can start new transaction
`REFUNDED`	Crypto not delivered, full refund issued to customer	TERMINAL	Refund processed

Legacy Statuses

These statuses may appear in older transactions:

Status	Modern Equivalent	Type
`ACCEPTED`	`PENDING`	TEMPORARY
`AUTHORIZED`	`PENDING`	TEMPORARY
`PARTIALLY_SETTLED`	`PENDING`	TEMPORARY
`AUTHORIZATION_EXPIRED`	`FAILED`	TERMINAL

Implementation Notes

Webhook Handling: Monitor for status changes via webhooks to update your UI in real-time Error Handling: For TERMINAL failure states (FAILED, DECLINED, CANCELLED), allow users to start a new transaction User Communication: Keep users informed during TEMPORARY states, especially longer processes like SETTLING

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Meld API

Stablecoins & Digital Assets

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Transaction Statuses

Transaction Statuses

Common Transaction Flow

Status Types

Current Transaction Statuses

Active Processing States

Final States

Legacy Statuses

Implementation Notes

​Transaction Statuses

​Common Transaction Flow

​Status Types

​Current Transaction Statuses

​Active Processing States

​Final States

​Legacy Statuses

​Implementation Notes

Transaction Statuses

Common Transaction Flow

Status Types

Current Transaction Statuses

Active Processing States

Final States

Legacy Statuses

Implementation Notes