The following is a list of transaction states for merchants using the mms.apexxfintech.com portal:


RECEIVED: This transaction has been received, and is ready for authorisation. 


APPROVED: This transaction has been approved by the acquiring bank and is ready to be captured for settlement. 


DECLINED:  This transaction has been declined by the acquiring bank. 


CAPTURED: This transaction has been approved by the acquiring bank and has been captured ready for settlement. The merchant has indicated that the transaction should be settled as soon as possible - usually first thing the following morning (1am-3am). 


TENDERED: This transaction has been sent to the acquiring bank for settlement. The transaction has been sent to the Acquirer for settlement. At this point the transaction can no longer be 'cancelled' or re 'captured'.


DEFERRED: The transaction could not be settled but will be retried at the next available instance - usually first thing the next day.


ACCEPTED: This transaction has been accepted for settlement by the acquiring bank and will appear in your merchant bank account. The Acquirer has accepted the transaction and will transfer funds in due course


REJECTED: The Acquirer has rejected the transaction and will not transfer the funds - this is rare.


REFERRED: This transaction has been referred for manual approved by the acquiring bank. 


CANCELLED: This transaction has been cancelled and will not be sent for settlement. The Merchant can cancel a transaction at any stage before it gets to the 'tendered' state. If cancelled the transaction will be stopped and no further action taken - i.e. It will not get to the 'tendered' state and be sent for settlement. This is preferable to doing a refund and is the same as 'voiding' a transaction at the terminal due to an error in the data being entered or shopper changing their mind etc.


FINISHED: The transaction has finished but not via the normal pipeline or 'cancelled' state, this could be due to the Merchant request that a transaction abort early (i.e. performing the 3DS functions only) or due to some error that caused the transaction pipeline to abort. 'Finished' would normally equate to an error and so the actual response code and message should be used to see why the transaction finished.


REVERSED: This transaction has been approved by the acquiring bank but cannot be captured. Collection may be performed instead which will perform a new sale transaction. 


SETTLING: This transaction has been sent to the acquiring bank for settlement.


REJECTED: This transaction has been rejected for settlement by the acquiring bank, please contact the bank for further details on why the transaction was rejected.


FINISHED: This transaction has been aborted due to it being invalid or due to a gateway error.