Introduction

This article explains common transaction statuses you may see in Cybersource reporting and the Enterprise Business Center (EBC). Understanding these statuses helps you determine where a transaction is in its processing lifecycle and whether any action is required.

Overview of Transaction Statuses

Transaction statuses indicate the current state of an authorization, capture, credit, or settlement request. Some statuses represent completed actions, while others indicate that processing is still in progress.

A Pending status indicates that CyberSource has successfully received your request and is awaiting scheduled batch processing or a response from the payment processor. Once the processor confirms processing, the transaction status updates accordingly (for example, to Transmitted). Once transmitted it goes through the settlement process. The settlement is the process of transferring the funds for a purchase from the customer's card issuing bank to the merchant's acquiring bank. The issuing bank transfers funds to the acquiring bank (minus an interchange fee), which then transfers funds to the merchant's deposit account (minus a discount fee).

Note: The transaction status descriptions below apply to legacy small business merchants.

Summary

Transaction statuses reflect the progress and outcome of payment requests. Pending statuses indicate that processing is still in progress and typically resolve automatically after batch processing or processor confirmation. If a transaction remains in a pending state beyond expected processing windows, contact Visa Support for assistance.