Handling payment exceptions

When managing payments, you may come across specific situations that demand your attention to ensure a seamless user experience and effective reconciliation.

Pending Payments

Pending payments are instances where Fintoc cannot provide a definitive status of the payment at the moment. These payments can either succeed or fail at a later time, depending on various factors and your process for handling them might depend on your payment scheme and API version.

How to Deal with Pending Payments

If you’ve integrated pending payments, they will remain in a pending state until Fintoc can provide a conclusive status update. In this scenario, you have the flexibility to handle the payment according to your business requirements:

Return of fundsInform your client that if the payment succeeds, you will promptly refund their funds to their bank account within a reasonable timeframe. If you have Refunds integrated, you can request one automatically as soon as the payment transitions to a successful state.
Fulfill their orderNotify your client that their order is complete, but you are awaiting the final payment status before fulfilling it.

Allowing customers to wait for the payment to complete will enhance their experience if the funds were transferred, and you won't need to capture the payment again.


Pause internal processes

We strongly advise you to pause any internal processes that may affect the payment completion, such as charging interest on debts or canceling contracts, until the payment is finalized

If a pending payment succeeds, we will notify you via webhook and transfer the funds in the following payout.

Previous API Versions

In previous versions of our API, there is no pending state for payments, resulting in these payments always having a failed status. In such cases, if the funds were indeed transferred, Fintoc will return these funds to your customer within a maximum of 2 business days.