Visa payment flow


This diagram shows the flow for a successful transaction.

 

Embedded solution The customer selects Visa and enters their payment details at checkout. Payment Components
Redirect flow The customer is redirected to a MultiSafepay payment page to enter their payment details. API reference

Note: Verified by Visa is Visa’s version of 3D Secure.

Payment statuses

Order status: Changes as the customer’s order with you progresses towards shipment (independent of payment)

Transaction status: Changes as the funds progress towards settlement in your MultiSafepay balance

Description Order status Transaction status
The customer has initiated a transaction. Initialized Initialized
Manually authorize or decline the transaction. Uncleared Uncleared
The transaction is complete. Completed Completed
The transaction has been cancelled. Void Cancelled
The customer has requested a chargeback. Void Void
The customer didn’t complete payment within 1¬†hour and the transaction expired. Expired Expired
The customer’s bank has declined the transaction (see possible reasons below). Declined Declined
Reasons for Declined status

The table below shows possible reasons for Declined status.

Only the customer can contact their credit card issuer to find out the specific reason.

Reason Description
Transaction declined by MultiSafepay Our automated fraud filter declined the transaction. Email the Support Team at [email protected]
Do not honor The reason is not shared with MultiSafepay.
3D authorisation cancelled 3D Secure verification was incomplete or couldn’t be validated.
Expired card The credit card has expired.
Insufficient funds The customer has insufficient credit on their card to complete the payment.
Merchant only accepts 3D Secure-verified cards Email requests to accept non-3D Secure verified cards to the Risk Team at [email protected]

For any questions, email the Support Team at [email protected]

Refund statuses

Description Order status Transaction status
The customer has requested a refund. Reserved Reserved
The refund is complete. Completed Completed

For more information, see About MultiSafepay statuses.

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