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What pending means

Updated

What Pending means

Pending means the transfer is with the payout provider, or waiting on something before it can be sent. In plain terms: it is in flight at the RSP.

A normal transfer path is Initiated → Pending → Complete. Pending is the in-flight middle of that path.

Holds that still show as Pending

These are not On Hold in the Portal View sense:

  • Mastercard network holds, including RFI and BSAML escrow, surface as Pending.
  • A Dodd-Frank waiting period surfaces as Pending to clients (not as On Hold).

On Hold is reserved for PayMitto's own compliance hold (SLS / Dodd-Frank as an Admin Portal status). Provider holds do not create On Hold.

Mastercard and Visa identifiers (high level)

  • The internal confirmation number exists as soon as the transfer is created.
  • On Mastercard, a Mastercard reference exists immediately at create, including while a hold is in place (Mastercard creation can happen in an on-hold state).
  • On Visa, public_reference_number (Visa transaction ID) exists only after a successful Visa create. Visa has no hold state; PayMitto does not talk to Visa until an internal hold clears. If create fails, there may be no Visa tracking ID.

Needs attention: no sourced string yet for the exact label the sender SDK shows for the Mastercard reference or Visa public reference. Do not invent those labels.

Looking up a Visa transfer in VROL (agents)

High-level path only:

  1. Find the Public Reference Number on the Ops Dashboard (search Retool by RSP confirmation number when needed).
  2. Sign in at visaonline.com → My Services → Visa Resolve Online.
  3. Inquiry → Transaction Inquiry → enter that Public Reference Number as the transaction ID → set the search period → run the inquiry.

Do not invent additional VROL UI steps or screenshots.

What to say to a member

Needs attention: Member FAQ status list does not include a line that names the word Pending. Closest sourced guidance: if the transfer has exceeded the expected delivery time on the receipt, contact support so the team can investigate with the payout partner.

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