# Payment Status Model
source: https://developer.mastercard.com/ob-accept-payments/documentation/payments/single-immediate-payments/payment-status-model/index.md

This diagram shows how the payment status changes during the payment flow.
Note: If a payment does not reach a final status, we will continue to poll for status updates from the bank for up to six days. During status polling we will notify the Integrator when there is a status change. We will stop the status polling if a final state (success or failure) is obtained. At the end of the six day polling period, we will stop the polling and if the payment is still in PROVIDER_PROCESSING/PENDING states, it will be moved to UNKNOWN and another notification will be sent to the Integrator.

![payment-status-model](https://static.developer.mastercard.com/content/ob-accept-payments/uploads/payment-status-model3.png)
Note: Mastercard Open Finance Pay relies on information provided by the payer's ASPSP to update the payment status.

The execution of the Payment initiation is outside the control of Mastercard Open Finance Pay.

Mastercard Open Finance Pay reports different statuses depending on the status of the payment as reported by the payer's ASPSP. Two of these statuses, PAYMENT_EXECUTED_DEBITED and PAYMENT_EXECUTED_CREDITED, are generally considered successful and final payment statuses. However, on rare occasions, a payment could be classified under one of these statuses, and subsequently, the ASPSP could cancel or reject the settlement of funds for a variety of reasons. In this scenario, a payment could be reported as having a successful payment status; however, the funds will not settle into your payee/destination account.

Mastercard Open Finance Pay may not be informed of this, and as a result, we will not have the ability to inform Integrators/Merchants of the change in status. Mastercard Open Finance Pay recommends that Integrators/Merchants verify that they have received funds in their payee/destination account before releasing any goods or fulfill any services to their customers.

### Payment Status Descriptions {#payment-status-descriptions}

|         **Payment status**          |                                                                                     **Description**                                                                                     |
|-------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| **PREPARING**                       | The payment request details have been captured and the payment is ready to be authorized by the payer​.                                                                                 |
| **AUTHORIZING​**                    | The payer is going through the payment authorization journey​​.                                                                                                                         |
| **PROVIDER_PROCESSING​**            | The ASPSP received the payment request. Mastercard Open Finance is awaiting confirmation that the payment has been initiated​​.                                                         |
| **PENDING​**                        | The ASPSP placed the payment in a pending state. Further action from the payer may be required​​.                                                                                       |
| **INITIATED​**                      | The ASPSP validated and accepted the payment request. The payment has been scheduled for the provided payment date, or as soon as possible​​.                                           |
| **PAYMENT_EXECUTED_DEBITED​**       | The payment has been debited from the payer's account​​​.                                                                                                                               |
| **PAYMENT_EXECUTED_CREDITED​**      | The payment has been credited to the payee's account​​.                                                                                                                                 |
| **CANCELLED​**                      | The payer canceled the payment at the authorization stage, or canceled a scheduled future payment before it reached its execution date.                                                 |
| **FAILED​**                         | The payment failed. More information about the cause of the failure may be available, based on reasonCode.​                                                                             |
| **UNKNOWN​**                        | Our access to refresh the payment status at the ASPSP has expired. For confirmation of the payment execution, perform reconciliation against transactions in the destination account​.​ |
| **AUTHORIZATION_FLOW_INCOMPLETE​​** | The payment authorization URL expired or the payer left the payment authorization page, or did not proceed before the payment expired.​                                                 |