Payment Lifecycle¶

Models the lifecycle of a Payment from initial authorisation request through capture, settlement, and potential reversal. Covers all payment instruments: card, digital wallet, BNPL, gift card, and mixed-tender.

Object: payment · States: 7 · Transitions: 7

State Diagram¶

flowchart LR

    %% ── classDef palette ─────────────────────────────────────
    classDef stInit  fill:#0d9488,stroke:#0f766e,color:#fff,font-weight:bold
    classDef stNorm  fill:#3b82f6,stroke:#2563eb,color:#fff
    classDef stOk    fill:#16a34a,stroke:#15803d,color:#fff,font-weight:bold
    classDef stFail  fill:#dc2626,stroke:#b91c1c,color:#fff,font-weight:bold
    classDef stHold  fill:#d97706,stroke:#b45309,color:#fff

    %% ── nodes ───────────────────────────────────────────────
    pending(["Pending"])
    authorised["Authorised"]
    captured["Captured"]
    partially_refunded["Partially Refunded"]
    fully_refunded[["Fully Refunded"]]
    voided[["Voided"]]
    failed[["Failed"]]

    %% ── transitions ─────────────────────────────────
    pending -->|"payment-authorized"| authorised
    pending -->|"payment-captured"| failed
    authorised -->|"payment-captured"| captured
    authorised -->|"payment-refunded"| voided
    captured -->|"payment-refunded"| partially_refunded
    captured -->|"payment-refunded"| fully_refunded
    partially_refunded -->|"payment-refunded"| fully_refunded

    %% ── class assignments ───────────────────────────
    class pending stInit
    class authorised,captured,partially_refunded stNorm
    class fully_refunded stOk
    class voided,failed stFail

States¶

State	Label	Description	Initial	Terminal
`pending`	Pending	Payment request initiated. Awaiting authorisation from payment provider.	✓
`authorised`	Authorised	Payment provider confirmed funds are available and reserved.
`captured`	Captured	Funds transferred to retailer. Order commercially fulfilled.
`partially-refunded`	Partially Refunded	A portion of captured funds returned to customer.
`fully-refunded`	Fully Refunded	All captured funds returned. Payment closed.		✓
`voided`	Voided	Authorisation cancelled before capture. Funds released to customer.		✓
`failed`	Failed	Authorisation or capture rejected by payment provider.		✓

Transitions¶

From	To	Trigger	Guards
`pending`	`authorised`	`payment-authorized`	Payment provider response is approval; Amount does not exceed card limit or wallet balance
`pending`	`failed`	`payment-captured`	Payment provider declines authorisation
`authorised`	`captured`	`payment-captured`	Order confirmed; Capture window not expired (typically ≤7 days from auth)
`authorised`	`voided`	`payment-refunded`	Order cancelled before capture
`captured`	`partially-refunded`	`payment-refunded`	Refund amount less than captured amount; Return approved
`captured`	`fully-refunded`	`payment-refunded`	Refund amount equals captured amount
`partially-refunded`	`fully-refunded`	`payment-refunded`	Remaining balance refunded