This help article explains the lifecycle of payments within PayPack and how they map to specific Stripe Payment Intent statuses. Understanding these statuses helps you track where a transaction stands—whether it's awaiting customer action, processing, or successfully completed.
For additional resources on the payment lifecycle, see Payment & Refund API Flows and PayPack Logs.
Below is a guide to how our most common workflows map to these statuses.
Status Summary Table
| Status | What it means |
|---|---|
requires_payment_method |
The intent is created, but no valid card/bank info has been provided yet. |
requires_action |
The customer needs to complete a security step (like 3D Secure). |
processing |
The payment is in transit (common for ACH/Bank Debits). |
requires_capture |
Funds are authorized/held but haven't been "claimed" yet. |
succeeded |
The payment is complete and funds are headed to the account payout balance. |
canceled |
The payment was voided or expired. |
Payment Links
When you send a direct payment link to a customer, the lifecycle follows the standard checkout flow.
Status:
requires_payment_method– Triggered as soon as the customer opens the link. Stripe is waiting for them to enter their card or bank details.Status:
processing– Common for ACH or bank transfers. Since these aren't instant, the payment stays here for 3-5 business days while the banks communicate.Status:
succeeded– Once the funds are successfully cleared and charged.
Authorize & Capture
This workflow only applies to card payments and is used when you want to "hold" funds before officially taking them (common for service deposits or shipping delays).
Immediate Capture: Moves directly from
requires_payment_methodtosucceededonce paid.Authorize Only: Once the customer authorizes the payment, the status becomes
requires_capture. The funds are held on the customer's card but not yet in your account.Capture Later: When you trigger the capture in PayPack, the status moves to
succeeded.
Recurring Billing
For ongoing subscriptions, PayPack automates the creation of Payment Intent on a schedule.
Status:
requires_payment_method– Initial state of the Stripe payment intent and signifies an attempt to process a recurring transaction.Status:
processing– Common for ACH or bank transfers. Since these aren't instant, the payment stays here for 3-5 business days while the banks communicate.Status:
succeeded– Most recurring payments transition automatically to this state using the saved payment method.
Retry Invoice Charge
When a previous attempt fails (e.g., insufficient funds), PayPack allows you to retry the invoice with a new authorization and capture.
Status:
requires_payment_method– If the retry fails again, the intent returns to this state, signaling that a different card or updated info is needed.Status:
processing– Common for ACH or bank transfers. Since these aren't instant, the payment stays here for 3-5 business days while the banks communicate.Status:
succeeded– When a retry attempt is successful.
Auto-Bill Payments
Auto-bill uses a customer's stored payment method to pay off open balances automatically.
Status:
processing– Often seen when Auto-Bill triggers an ACH payment.Status:
succeeded– The standard state once the background job successfully charges the stored card.
Customer Installment Plans
Installment plans break a large total into smaller, scheduled payments.
Status:
requires_payment_method– Each individual installment creates its own intent. If one installment fails, it stays in this status until the customer updates their billing info.Status:
succeeded– Applied to each specific installment as it is successfully collected over time.
Customer Statement Link
Unlike the workflows above, the Statement Link is used to collect and save a payment method for future use, rather than just charging a specific amount today.
Workflow:
Setup Intent– When a customer adds a card via a statement link, Stripe creates a SetupIntent. This verifies the card is valid without charging it.Status:
succeeded(SetupIntent) – This means the card is successfully "bound" to the customer profile.Subsequent Payment Intents – Once the card is saved, any future charges made against that statement will create a new Payment Intent that typically moves directly to
succeededunless the payment method selected is ACH or bank transfers where the status starts asprocessing.