generated: '2026-07-17'
method: derived
source: >-
  openapi/ozow-openapi.yml Transaction.status enum + documented Ozow instant-EFT
  transaction outcomes. Ozow is an instant-EFT / Pay-by-Bank gateway, not a card
  acquirer, so it has no ISO 8583 card decline codes; the equivalent "decline"
  surface is the transaction Status returned by GetTransaction and posted to the
  merchant NotifyUrl.
envelope_field: status
status_message_field: statusMessage
decline_codes:
- code: Complete
  meaning: Payment completed successfully; funds confirmed.
  action: Fulfil the order. Reconcile against TransactionReference.
  terminal: true
- code: Cancelled
  meaning: Customer cancelled the payment on the Ozow bank-selection/secure flow.
  action: Offer retry; do not fulfil.
  terminal: true
- code: Error
  meaning: Payment failed due to an error during bank processing.
  action: Offer retry; inspect statusMessage.
  terminal: true
- code: Abandoned
  meaning: Customer left the flow without completing (no cancel, no success).
  action: Treat as unpaid; may be recoverable via retry.
  terminal: true
- code: PendingInvestigation
  meaning: >-
    Payment is under manual/automated investigation (e.g. amount mismatch,
    delayed bank confirmation); outcome not yet final.
  action: Do not fulfil yet. Poll GetTransaction or await NotifyUrl update.
  terminal: false
- code: Pending
  meaning: Payment initiated but not yet confirmed by the bank.
  action: Await NotifyUrl / poll GetTransaction; do not fulfil.
  terminal: false
notes: >-
  Always treat the server-to-server NotifyUrl status (verified via HashCheck) as
  authoritative over the browser SuccessUrl/ErrorUrl redirect, which the customer
  can manipulate. Verify Amount and status before fulfilment.