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Upon submitting a payment initiation request, the status may be set to one of the following values:
  • PENDING – The request is still being processed. It has not yet been fully validated or accepted by the Institution.
  • COMPLETED – The request has passed all validation checks and was accepted by the Institution.
  • FAILED – The Institution has rejected the request. The payment will not be processed further.
  • UNKNOWN (rare) – The system could not determine. Payment status flow

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Example Response from Get latest payment status Endpoint

{
  "id": "e68eee70-bfe9-4885-8650-46ec7d017458",
  "paymentId": "123e4567-e89b-12d3-a456-426614174000",
  "status": "PENDING",
  "detailedStatus": "AIS_PSU_CONSENT_RECEIVED",
  "failureReasons": ["INSUFFICIENT_FUNDS"],
  "createdAt": "2023-10-01T12:00:00Z"
}

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Status Fields

Field
Type
Required
Description
idstring
✓
Unique identifier for this status (UUID format)
paymentIdstring
✓
The Kashimi payment ID that this status update relates to (UUID format)
statusstring
✓
The new payment status: PENDING, COMPLETED, FAILED, or UNKNOWN
detailedStatusstring
✓
Granular status within the payment lifecycle. See Detailed Status Reference.
failureReasonsArray
✓
Array of failure reasons populated only when the payment status is FAILED.
createdAtstring
✓
ISO 8601 timestamp when the status change occurred
To understand the status of a payment in more detail, you can obtain a granular Kashimi payment status by calling the Get latest payment status endpoint. In the case of FAILED payments, the endpoint might also return failureReasons. Additionally, the response includes a detailedStatus field that provides deeper insight into the current state of the payment within its lifecycle, regardless of whether it has failed or not.
Failure ReasonMeaning
UNKNOWN_ERRORAn unspecified error occurred. The exact cause could not be determined.
INTERNAL_TECHNICAL_ERRORAn unexpected technical issue occurred within Kashimi’s system.
PAYMENT_EXPIREDThe payment was not completed within the allowed time window and has expired.
SENDER_CREDENTIALS_INVALIDThe sender’s banking credentials were invalid or rejected by the bank.
REMITTANCE_INFORMATION_INVALIDThe remittance information provided is not valid or not accepted by the bank.
SENDER_ACCOUNT_INVALIDThe sender’s account number or details are invalid or not supported.
RECIPIENT_ACCOUNT_INVALIDThe recipient’s account number is incorrect or unsupported.
RECIPIENT_NAME_INVALIDThe recipient’s name is invalid or does not match the expected format.
CURRENCY_INVALIDThe specified currency is not supported for this payment.
AMOUNT_EXCEEDS_AVAILABLE_FUNDSThe sender’s account does not have sufficient funds to complete the payment.
AMOUNT_EXCEEDS_DAILY_LIMITThe payment amount exceeds the daily limit set by the bank or sender.
AMOUNT_EXCEEDS_MONTHLY_LIMITThe payment amount exceeds the monthly limit set by the bank or sender.
AMOUNT_EXCEEDS_LIMITThe payment amount exceeds a single-transaction limit set by the bank.
PROVIDER_AGREEMENT_MISSINGThe bank does not have a valid agreement to process payments for this sender or account.
SENDER_BLOCKEDThe sender’s account or profile has been blocked by the bank.
SENDER_RIGHTS_MISSINGThe sender does not have the necessary rights to initiate this payment.
SENDER_ACCOUNT_BLOCKEDThe specific sender account used for this payment has been blocked.
PAYMENT_ABORTED_BY_SENDERThe sender cancelled the payment during the authorisation flow.
PAYMENT_ABORTED_BY_PROVIDERThe bank or provider rejected or cancelled the payment.
SENDER_AUTHORIZATION_NOT_GRANTEDThe sender did not grant the required authorisation to proceed with the payment.
ACCOUNT_INFORMATION_CONSENT_NOT_GRANTEDThe sender did not grant consent to access account information required for this payment.
PAYMENT_CONSENT_INCOMPLETEThe payment consent flow was started but not completed by the sender.
PAYMENT_CONSENT_NOT_GRANTEDThe sender did not grant consent for the payment.
PROVIDER_SYSTEM_MAINTENANCEThe bank’s system is temporarily unavailable due to scheduled maintenance.
PROVIDER_TECHNICAL_ERRORAn unexpected technical issue occurred on the bank’s side.
MTLS_CERTIFICATE_INVALIDThe mutual TLS client certificate is invalid or not accepted by the bank.
SIGNATURE_CERTIFICATE_INVALIDThe signing certificate (QSealC) is invalid or not accepted by the bank.

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UNKNOWN Status

The UNKNOWN status is a fallback that occurs when Kashimi receives a response from the bank that does not map to any expected status. This is not a permanent terminal state. How to handle it: Do not treat UNKNOWN as equivalent to FAILED. Instead:
  • Continue polling the Get latest payment status endpoint — the status may update as the bank resolves the response.
  • If the status remains UNKNOWN for an extended period, contact Kashimi support to investigate.
Do not stop the payment flow or mark a payment as failed solely because the status is UNKNOWN. Await a status update or contact support.

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Webhooks

Kashimi supports webhooks to notify you about payment status changes. For detailed information about implementing webhooks, including security, payload structure, and code examples, see the Webhooks documentation.