Direct debit statuses

The status flows for received payment mandates and direct debit transactions.

Received mandate statuses

Payment mandate status	Explanation
ConsentInitiationPending	B2B received payment mandate is awaiting consent initiation. This status applies when: A direct debit instruction is received without an existing mandate, and the mandate is added automatically. A mandate is updated and requires user approval before the updated mandate can be activated. Next steps: Call the enableReceivedDirectDebitMandate mutation to initiate consent. After the debtor provides consent, the status moves to Enabled. If consent is refused or expires, the status remains ConsentInitiationPending and consent can be re-initiated. Core received mandates never have the status ConsentInitiationPending.
ConsentPending	B2B received payment mandate has an active consent request pending debtor action. Next steps: If the debtor consents to the mandate, the status moves to Enabled. If the debtor refuses consent or the consent expires, the status returns to ConsentInitiationPending. Core received mandates never have the status ConsentPending.
Enabled	Received payment mandate is valid and direct debit instructions can be fulfilled.
Suspended	Debtor requested the received payment mandate be suspended, using the suspendReceivedDirectDebitMandate mutation. For example, you want to stop a creditor from taking money from the account temporarily, and you'll inform Swan when to change the status back to Enabled. Learn more: Suspend a payment mandate.
Canceled	Received payment mandate is canceled and no longer available for use. Note that Swan cancels OneOff mandates automatically after they're used.

Direct debit statuses

Account balances

There's a close link between transaction statuses and account balances. Refer to explanations of types of account balances in the accounts section.

Direct debit transaction status	Explanation
Upcoming	Transaction is created after passing Swan's preliminary checks (for example, if the mandate already exists, it's valid; the account isn't closed). Upcoming debits don't impact the account balance.
Booked	Completed debits that are displayed on the official account statement. These debits have been debited from the account, and they impact the account's Booked balance.
Canceled	An Upcoming transaction is canceled by someone with the right to do so, such as the account holder or an account member. Only debits with the status Upcoming can be Canceled, and Canceled debits don't impact the account balance.
Rejected	Declined or refused debits. For example, the beneficiary account might be closed, or the account's Available balance isn't sufficient to complete the debit without resulting in a negative balance. A transaction can also be Rejected without being assigned any other status if the transaction didn't pass the initial checks (examples in Upcoming).