Transaction Statuses

Understanding transaction statuses helps you track payment progress and handle different scenarios in your integration. Transactions move through various states from initiation to completion or failure.

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