Payment status

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.

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"
}

Status Fields

Field	Type	Required	Description
`id`	string	✓	Unique identifier for this status (UUID format)
`paymentId`	string	✓	The Kashimi payment ID that this status update relates to (UUID format)
`status`	string	✓	The new payment status: PENDING, COMPLETED, FAILED, or UNKNOWN
`detailedStatus`	string	✓	Granular status within the payment lifecycle. See Detailed Status Reference.
`failureReasons`	Array	✓	Array of failure reasons populated only when the payment `status` is `FAILED`.
`createdAt`	string	✓	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 Reason	Meaning
`UNKNOWN_ERROR`	An unspecified error occurred. The exact cause could not be determined.
`INTERNAL_TECHNICAL_ERROR`	An unexpected technical issue occurred within Kashimi’s system.
`PAYMENT_EXPIRED`	The payment was not completed within the allowed time window and has expired.
`SENDER_CREDENTIALS_INVALID`	The sender’s banking credentials were invalid or rejected by the bank.
`REMITTANCE_INFORMATION_INVALID`	The remittance information provided is not valid or not accepted by the bank.
`SENDER_ACCOUNT_INVALID`	The sender’s account number or details are invalid or not supported.
`RECIPIENT_ACCOUNT_INVALID`	The recipient’s account number is incorrect or unsupported.
`RECIPIENT_NAME_INVALID`	The recipient’s name is invalid or does not match the expected format.
`CURRENCY_INVALID`	The specified currency is not supported for this payment.
`AMOUNT_EXCEEDS_AVAILABLE_FUNDS`	The sender’s account does not have sufficient funds to complete the payment.
`AMOUNT_EXCEEDS_DAILY_LIMIT`	The payment amount exceeds the daily limit set by the bank or sender.
`AMOUNT_EXCEEDS_MONTHLY_LIMIT`	The payment amount exceeds the monthly limit set by the bank or sender.
`AMOUNT_EXCEEDS_LIMIT`	The payment amount exceeds a single-transaction limit set by the bank.
`PROVIDER_AGREEMENT_MISSING`	The bank does not have a valid agreement to process payments for this sender or account.
`SENDER_BLOCKED`	The sender’s account or profile has been blocked by the bank.
`SENDER_RIGHTS_MISSING`	The sender does not have the necessary rights to initiate this payment.
`SENDER_ACCOUNT_BLOCKED`	The specific sender account used for this payment has been blocked.
`PAYMENT_ABORTED_BY_SENDER`	The sender cancelled the payment during the authorisation flow.
`PAYMENT_ABORTED_BY_PROVIDER`	The bank or provider rejected or cancelled the payment.
`SENDER_AUTHORIZATION_NOT_GRANTED`	The sender did not grant the required authorisation to proceed with the payment.
`ACCOUNT_INFORMATION_CONSENT_NOT_GRANTED`	The sender did not grant consent to access account information required for this payment.
`PAYMENT_CONSENT_INCOMPLETE`	The payment consent flow was started but not completed by the sender.
`PAYMENT_CONSENT_NOT_GRANTED`	The sender did not grant consent for the payment.
`PROVIDER_SYSTEM_MAINTENANCE`	The bank’s system is temporarily unavailable due to scheduled maintenance.
`PROVIDER_TECHNICAL_ERROR`	An unexpected technical issue occurred on the bank’s side.
`MTLS_CERTIFICATE_INVALID`	The mutual TLS client certificate is invalid or not accepted by the bank.
`SIGNATURE_CERTIFICATE_INVALID`	The signing certificate (QSealC) is invalid or not accepted by the bank.

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.

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.

Getting Started

Integration Flows

Resources

Example Response from Get latest payment status Endpoint

Status Fields

UNKNOWN Status

Webhooks