| Status | Meaning |
|---|---|
BILL_CREATED | The UPI link is created. |
| PAYMENT_SUCCESSFUL | User has made a successful payment. |
| PAYMENT_FAILED | User has made a payment but it failed due to some validation reasons or bank side issue (rare scenario). |
| CREDIT_RECEIVED | The money is received by Setu. |
| SETTLEMENT_SUCCESSFUL | The money is settled to merchant account. |
| SETTLEMENT_FAILED | The attempt to settle money to merchant account has failed - generally we would either resolve this internally with next batch of settlement or reach out to you in case there is some additional info required. |
| BILL_EXPIRED | The UPI link has expired either by the default timeline or the timeline set by customer. |
A UPI link can take multiple paths depending on the success and failure at different steps. Accordingly, the status journeys of a UPI link can be mapped as follows.
An ideal status flow (where user pays successfully and money is settled to merchant account) for a UPI payment link is:
BILL_CREATED > PAYMENT_SUCCESSFUL > CREDIT_RECEIVED > SETTLEMENT_SUCCESSFUL
In case a user doesn't pay or the payment is unsuccessful due to any reason between user's UPI app and user's bank:
BILL_CREATED > BILL_EXPIRED
In case payment fails due to an error on Setu (such as amount validation):
BILL_CREATED > PAYMENT_FAILED
In case of settlement related issues:
BILL_CREATED > PAYMENT_SUCCESSFUL > CREDIT_RECEIVED > SETTLEMENT_FAILED