Status Lifecycle

Every Payin progresses through a series of statuses. The exact lifecycle depends on the combination of payment method and settlement method.

State Diagram

info

Not all statuses apply to every combination. See the tables below for the specific lifecycle per flow.

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Status Definitions by Flow

Direct Payin (Open Banking)

Payment method: bank_account | Settlement method: bank_account

Status	Meaning
INTENT	Payin Intent created by Merchant
INITIATED	Authorization process initiated (redirect link generated)
AUTHORIZED	Payment authorized by Payer's bank
COMPLETED	Payin completed. Does not guarantee settled funds into Merchant's bank account.
FAILED	Authorization failed or rejected by bank
EXPIRED	Payin session expired

note

In this flow, funds are transferred directly from the Payer's bank to the Merchant's IBAN. Yugo does not intermediate the funds, so RECEIVED, SETTLED, and DISPUTED statuses do not apply.

On-Ramp Payin (Open Banking)

Payment method: bank_account | Settlement method: yugo_balance

Status	Meaning
INTENT	Payin Intent created by Merchant
INITIATED	Authorization process initiated (redirect link generated)
AUTHORIZED	Payment authorized by Payer's bank
RECEIVED	Yugo received the fiat funds
SETTLED	Crypto transferred to Merchant's custodial wallet
COMPLETED	Transaction finalized.
FAILED	Authorization failed or rejected by bank
EXPIRED	Payin session expired

note

In this flow, Yugo receives fiat funds and converts them to crypto. The DISPUTED status does not apply to open banking payments.

On-Ramp Payin (Card)

Payment method: card | Settlement method: yugo_balance

Status	Meaning
INTENT	Payin Intent created by Merchant
INITIATED	Authorization process initiated (redirect link generated)
AUTHORIZED	Payment authorized by card issuer
RECEIVED	Yugo received the fiat funds
SETTLED	Crypto transferred to Merchant's custodial wallet
COMPLETED	Dispute window closed. Transaction finalized.
DISPUTED	Payer raised a dispute. Yugo debited transaction funds.
FAILED	Authorization failed or rejected
EXPIRED	Payin session expired

warning

Card payments are subject to chargebacks. The dispute window is up to 120 days. See Cards for details.

On-Ramp Payin (Apple Pay)

Payment method: apple_pay | Settlement method: yugo_balance

Status	Meaning
INTENT	Payin Intent created by Merchant
INITIATED	Authorization process initiated (redirect link generated)
AUTHORIZED	Payment authorized by card issuer
RECEIVED	Yugo received the fiat funds
SETTLED	Crypto transferred to Merchant's custodial wallet
COMPLETED	Dispute window closed. Transaction finalized.
DISPUTED	Payer raised a dispute. Yugo debited transaction funds.
FAILED	Authorization failed or rejected
EXPIRED	Payin session expired

warning

Apple Pay payments are processed via card networks and are subject to chargebacks. The dispute window is up to 120 days. See Apple Pay for details.

On-Ramp Payin (Google Pay)

Payment method: google_pay | Settlement method: yugo_balance

Status	Meaning
INTENT	Payin Intent created by Merchant
INITIATED	Authorization process initiated (redirect link generated)
AUTHORIZED	Payment authorized by card issuer
RECEIVED	Yugo received the fiat funds
SETTLED	Crypto transferred to Merchant's custodial wallet
COMPLETED	Dispute window closed. Transaction finalized.
DISPUTED	Payer raised a dispute. Yugo debited transaction funds.
FAILED	Authorization failed or rejected
EXPIRED	Payin session expired

warning

Google Pay payments are processed via card networks and are subject to chargebacks. The dispute window is up to 120 days. See Google Pay for details.