Incoming payment lifecycle

Learn about the lifecycle of an incoming payment in Mambu Payments (formerly Numeral)

Events are created as incoming payments are created or updated in Mambu Payments (formerly Numeral). An update can be the update of any attribute, such as a status, a date, or any other data. Learn more about events and webhooks in Mambu Payments (formerly Numeral).

Events

EventDescription
receivedIncoming payment has been received.
pending_confirmationIncoming payment has been created and is pending confirmation. It can be confirmed or rejected. Only applicable to incoming instant payments.
payment_validation_updateA payment validation has been updated.
confirmedIncoming payment has been confirmed. Only applicable to incoming instant payments.
pending_returnA return has been created or a return request has been received.
returnedIncoming payment has been returned to the sending bank.
return_deniedA return request related has been denied.
rejectedIncoming payment has been rejected, either by the customer or by the partner bank in case of instant payment timing out.
reconciledIncoming payment has been reconciled with one or multiple transactions.
partially_reconciledIncoming payment has been partially reconciled with one or multiple transactions.
unreconciledIncoming payment has been unreconciled.

Statuses

StatusDescription
receivedIncoming payment has been received.
pending_approvalIncoming payment has been created and is being checked against payment validation rules.
pending_confirmationIncoming payment has been created and is pending confirmation. It can be confirmed or rejected. Only applicable to incoming instant payments.
confirmedIncoming payment has been confirmed. Only applicable to incoming instant payments.
pending_returnA return has been created or a return request has been received.
returnedIncoming payment has been returned to the sending bank.
rejectedIncoming payment has been rejected, either by the customer or by the partner bank in case of instant payment timing out.

State machine

Non-instant credit transfers (SCT, Swift, T2, etc.)

    stateDiagram
    [*] --> pending_approval:::state: pending_approval
    [*] --> received:::state: received
    pending_approval --> received:::state: received
    received --> pending_return:::state: pending_return
    pending_return --> returned:::state: returned
    pending_return --> received:::state: return_denied
    	classDef state fill:#E1F3F2,stroke:#2FA5A1

SCT Instant incoming payments

    stateDiagram
    [*] --> pending_confirmation:::state: pending_confirmation
    [*] --> pending_approval:::state: pending_approval
    pending_approval --> rejected:::state: rejected
    pending_confirmation --> confirmed:::state: confirmed
    pending_approval --> confirmed:::state: confirmed
    pending_approval --> pending_confirmation:::state: pending_confirmation
    pending_confirmation --> rejected:::state: confirmed
    confirmed --> rejected:::state: rejected
    confirmed --> received:::state: received
    received --> pending_return:::state: pending_return
    pending_return --> returned:::state: returned
    pending_return --> received:::state: return_denied
    classDef state fill:#E1F3F2,stroke:#2FA5A1

SDD incoming payments

stateDiagram
[*] --> pending_approval:::state: pending_approval
pending_approval --> rejected:::state:rejected
received --> rejected:::state:rejected
[*] --> received:::state: received
pending_approval --> received:::state: received
received --> pending_return:::state: pending_return
    pending_return --> returned:::state: returned
    pending_return --> received:::state: return_denied
    	classDef state fill:#E1F3F2,stroke:#2FA5A1