Description: Learn about the payment lifecycle, detailing payment flows, transaction status definitions, and acquirer response codes, including approvals, declines, settlements, refunds, disputes, and failure scenarios.
Note: For information about Shift4 Dine flow, please visit the Shift4 Dine Transaction Lifecycle article.
| Event Status | Description |
|---|---|
| Risk Approved | The payment was risk approved, risk models didn’t identify the payment to be fraudulent. |
| Risk Declined |
The payment was declined, risk models identified the payment to be fraudulent. This is the final status for this payment |
| Card Verified Approved |
Following the risk assessment, new cards will go through card verification for AVS and CVV. If positive AVS/ CVV data was received, Shift4 will approve the card. |
| Card Verify Declined |
Following the risk assessment, new cards will go through verification for AVS and CVV. If Negative AVS/ CVV data was received, Shift4 will decline the payment. This is the final status for this payment. |
| Auth Approved | The payment is approved by the financial institution, and the Acquirer Response is 00 - Approval. |
| Auth Declined |
The payment was declined by the financial institution, and the Acquirer Response is anything but 00 - Approval. You can see the specific response in the transactions details page. This is the final status for this payment. |
| Authorization Expired |
A payment that is authorized but is not settled or voided for a certain period of time, expires. The time it takes to expire depends on the payment method. This is the final status for this payment. |
| Captured |
The capture is successful and the payment is ready to be picked up by the batch settlement process. For some payment methods, the payment has to be captured before it can change status to Sent For Settlement. For other payment methods, the payment is captured automatically after being auth approved. |
| Sent for Settlement | The transaction has been put into a batch and sent to the acquirer. When a transaction reaches this status, you cannot void it. You can only refund the payment. |
| Settlement Failed | The settlement failed for the payment from the processor. |
| Settled | Received confirmation from Acquirer that the batch the transaction is in has been successfully processed. |
| Voided |
You have requested to cancel the request to transfer funds before it was sent for settlement. This is the final status for this payment. |
| Refund Requested | A refund was requested for this payment. |
| Refunded |
The funds from the payment have been refunded. This is the final status for this payment. |
| Refund Failed | The refund request has failed. |
| Notification of Dispute |
Shift4 Received a notification of dispute. The issuer has started a dispute process and Shift4 withdraws the disputed funds from your account. You can accept the chargeback or contest it by supplying defense documents, all through our platform. This is the final status for this payment. All other developments related to this chargeback will be recorded under the chargebacks management page. |
| Retrieval Request |
Shift4 received a Retrieval Request. No funds are moving at this state. You can provide additional information about the charge by supplying documents, all through our platform. The Retrieval request can become a chargeback in some cases. |
| Capture Declined | The transaction was previously authorized (Auth Approved), but the request to finalize the payment and transfer funds was rejected. This usually occurs if the original authorization has expired, the card has since been reported lost/stolen, or the issuing bank has flagged the settlement attempt as high-risk. |
| Info | An event status that indicates an action or event recorded for logging, verification, or audit purposes where no funds are moved, requested, or held. Unlike financial statuses (such as Captured, Settled, or Refunded), an Info status simply tracks non-monetary operations or administrative updates within the system. |
|
Description |
Standard Code |
Standard Desc |
|---|---|---|
| Approved | S4000 | Approval |
| Declined | S4003 | Invalid merchant |
| Declined | S4005 | Do not honor |
| Declined | S4006 | General error |
| Declined | S4007 | Pick up card, special condition |
| Approved | S4008 | Honor with ID |
| Declined | S4012 | Invalid transaction |
| Declined | S4013 | Invalid amount |
| Declined | S4014 | Invalid account |
| Declined | S4015 | No such issuer |
| Declined | S4019 | Re-enter transaction |
| Declined | S4021 | Unable to back out transaction |
| Declined | S4055 | Incorrect PIN |
| Declined | S4025 | Unable to locate account number |
| Declined | S4030 | Transaction format error |
| Declined | S4041 | Lost card |
| Declined | S4014 | Invalid account |
| Declined | S4015 | No such issuer |
| Declined | S4019 | Re-enter transaction |
| Declined | S4021 | Unable to back out transaction |
| Declined | S4055 | Incorrect PIN |
| Declined | S4025 | Unable to locate account number |
| Declined | S4030 | Transaction format error |
| Declined | S4041 | Lost card |
| Declined | S4014 | Invalid account |
| Declined | S4043 | Stolen card |
| Declined | S4051 | Insufficient funds |
| Declined | S4052 | No checking account |
| Declined | S4053 | No savings account |
| Declined | S4054 | Expired card |
| Declined | S4055 | Incorrect PIN |
| Declined | S4057 | Transaction not permitted to cardholder |
| Declined | S4058 | Transaction not permitted to terminal |
| Declined | S4059 | Suspected fraud |
| Declined | S4061 | Exceeds withdrawal limit |
| Declined | S4062 | Invalid service code, restricted |
| Declined | S4013 | Invalid amount |
| D - Declined I - SCA Interface switch required |
S4130 | Declined (Master Card) or SCA Interface Required |
| Declined | S4075 | PIN-entry tries exceeded |
| Declined | S4091 | Issuer or switch is unavailable |
| Declined | S4094 | Duplicate transaction |
| Declined | S4096 | System malfunction |
| Declined | S4063 | Security violation |
| Declined | S4030 | Transaction format error |