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When you manage payments, some cases require action to reconcile the payment and keep customers informed.

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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.

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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: 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 processesWe 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 the payment is validated as successful or failed, Fintoc will send a webhook (payment_intent.succeeded or payment_intent.failed) notifying the final status of the payment. Fintoc will attempt to validate pending payments for up to 10 days. If the payment cannot be verified in that time, you will receive a payment_intent.failed webhook with a distinct error reason (unresolved_final_status).

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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 (Only under Fintoc Collects schema).