---
description: >-
  The Inyo Gateway tracks payments through well-defined lifecycle statuses.
---

# Payment Status

## Status Lifecycle

```
CHALLENGE ──→ AUTHORIZED ──→ CAPTURED ──→ REFUNDED
    │              │              │
    ↓              ↓              ↓
 DECLINED       VOIDED    PARTIALLY_REFUNDED
                          PARTIALLY_CAPTURED
```

## Status Reference

| Status | Description | Next Actions |
|---|---|---|
| **CHALLENGE** | 3DS verification required — cardholder must complete authentication | Wait for `AUTHORIZED` or `DECLINED` |
| **AUTHORIZED** | Payment approved, funds reserved on the card | [Capture](../payment/pulling-funds/cards/capture.md) or [Void](../payment/pulling-funds/cards/void.md) |
| **CAPTURED** | Funds settled to merchant account | [Refund](../payment/pulling-funds/cards/refund.md) (full or partial) |
| **PARTIALLY_CAPTURED** | A portion of the authorized amount was captured | [Refund](../payment/pulling-funds/cards/refund.md) the captured portion |
| **VOIDED** | Authorization cancelled before capture — funds released to cardholder | Terminal state |
| **REFUNDED** | Full captured amount returned to cardholder | Terminal state |
| **PARTIALLY_REFUNDED** | A portion of the captured amount was refunded | Additional [refunds](../payment/pulling-funds/cards/refund.md) possible |
| **DECLINED** | Payment rejected by issuer, network, or fraud rules | Retry with different method |

## Key Rules

- **AUTHORIZED → VOIDED**: Only before capture. Voids release the hold on the card.
- **AUTHORIZED → CAPTURED**: Must happen within 7 days, or the authorization expires and is auto-voided.
- **CAPTURED → REFUNDED**: Can be full or partial. Multiple partial refunds are allowed.
- **DECLINED**: Terminal — the payment cannot be retried with the same `externalPaymentId`.