The Payin process unfolds in several stages, each with distinct statuses such as:
PENDING: When the Payin is Created
COMPLETED: When the funds are received, the Payin status is marked “Completed”
AWAITING FUNDS: When the customer has completed the transfer but Finmo is still waiting to receive funds from the partner bank the payin status is marked as “Awaiting_Funds”
EXPIRED: Payin Expired before payment completion
CANCELLED: Payin Cancelled (if selected while creation)
When a Payin is initiated, its initial status is set as "PENDING".
If the customer completes the payment within the set duration, the status of the payin is updated to "AWAITING_FUNDS".
In cases where payment is not made within this set duration window, the status automatically changes to "EXPIRED".
Finmo allocates a period of up to 7 days to receive these funds. Upon receipt of the funds within this timeframe, the status of the payin is changed to "COMPLETED". Otherwise, if the funds are not received by Finmo within the 7-day period, the status is then changed to "FAILED".
Pending -> Awaiting funds / Expired -> Completed / Failed
In case you still have follow-up queries, we encourage you to send an Email to support@finmo.net to get more visibility on a Pending or Failed Transaction with the Transaction ID/payin_ID available on your Finmo Dashboard.
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