Payment status, receipts and settlement

Read the payment state

• Open: the payment has not been confirmed. If the checkout is expired, it cannot start a new payment.
• Processing: payment is in progress. Wait for confirmed success before fulfillment.
• Paid: payment was confirmed. For store orders, also match the checkout ID, order reference, currency and exact amount.
• Void: the request was voided. This state is not evidence that a completed payment was refunded.

Verify before fulfillment

A browser redirect, customer screenshot or bank authorization alone does not prove the order is paid. Use the payment record, verified webhook or authenticated status API.

A payment already in flight may complete after a checkout expires. Continue monitoring that saved payment record. Do not charge the customer again solely because they returned to a cancellation page.

Receipts

Confirmed payments can have a hosted receipt and receipt delivery through Arcana. A store integration can instead take responsibility for customer receipts when that policy is configured at checkout creation.

Check the receipt-delivery policy for your integration so the customer receives the intended communication. A receipt describes the recorded payment; it does not replace your order confirmation, fulfillment or return policy.

Payment success and settlement are separate

A paid order and funds available for payout are different milestones. Review the settlement arrangement agreed for your account and the reporting available in Finances.

Native card and bank transactions follow the configured processing arrangement. Wallet routes can settle as USDC on Base; Zelle uses the business's bank account and manual confirmation. Fees, holds, reserves and payout timing depend on the payment route and account terms.