Transactions performed by VTEX Payments go through a variety of statuses, from the beginning of the authorization process, through settling, to completion of the transaction. The purpose of this article is to explain each of these different stages of a transaction.

See below an example timeline with the transaction statuses.

1. Authorizing: This is the first status of a Payments transaction. At this stage, Payments indicates that the process of sending information to an acquirer or to another gateway has begun.
2. Authorized: Upon initiation of the authorization process, the acquirer or other gateway sends the transaction information to the issuing bank. The bank responds whether or not the transaction should be authorized. If it denies the transaction, the payment is canceled. If it authorizes, the transaction status changes to Authorized.
3. Analyzing Risk (optional): Upon authorization by the issuing bank, the anti-fraud system acts by analyzing the risk of the transaction. This step is optional. However, we recommend using an anti-fraud to verify your transactions.
4. Risk Approved (optional): If the anti-fraud responds positively, the transaction goes to the risk approved status. If the anti-fraud identifies any evidence of fraud, the transaction is canceled.
5. Approved: This status indicates that the transaction has passed all possible checks. It was authorized by the issuing bank and was approved by the anti-fraud system. With that, the transaction gains the status of approved.
6. Settlement of $: This status indicates that the settlement process of a specific ammount will be started. It's important to note that, at this stage, the value has not yet been settled. What exists is a warning that the process of settling this value will be carried out in the next status.
7. Settling: In this status, the settlement attempt actually starts. The systems responsible for that begin the process by which the ammount of the transaction is settled.
8. Settled: When the transaction reaches this status, it means that the ammount was successfully settled. Now, the payment has already been sent to the store's account.
9. Finished: The transaction reaches the finished status when the invoice with the payment ammount is issued and linked to the order in the OMS. You should note that even after the settlement finishes successfully, it's necessary to include the invoice in the order.