---
title: "Payment status explained - NexPay"
description: "What each payment status means — from Created to Paid — so you always know where your money is and what, if anything, you need to do."
lastModified: "2026-06-02"
lang: "en"
url: https://nexpay.com.au/training/payments/payment-status-explained
---
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# Payment status explained - NexPay

## At a glance

- **Intended for:** Agents, schools & payers
- **Reading time:** 6 minutes
- **Last updated:** 1st June 2026

**TL;DR:** A payment moves through stages you can see on its detail page and the home-screen summary. The big four groups are Created (waiting for funds), Processing (on its way), On Hold (paused for a check), and Paid (done). On Hold usually means we need one more thing from you — check your email. Rejected or Cancelled mean it didn't complete and a new payment is needed. You can always see the exact stage and what it's waiting for.

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## You'll never have to wonder where your money is

When you've sent a meaningful sum overseas, the worst feeling is silence — not knowing whether it arrived, got stuck, or went somewhere wrong. NexPay is built so that question always has an answer. Every payment shows you exactly what stage it's at and, if it needs something, what that something is.

This article walks through the stages a payment moves through, in plain terms, so a status label never leaves you guessing.

> **For agents and schools:** Knowing these statuses cold means you can answer a worried payer in one sentence. The descriptions here are written the same way the platform describes them, so you can use the same language.

## The four groups you'll see most

On your home screen, payments are grouped into four cards. These cover the journey at a glance:

**Created.** The payment is set up and waiting for the payer to send the funds. Nothing's wrong — it just hasn't been funded yet.

**Processing.** We've received the payer's instructions and the transfer is underway. The money is in motion.

**On Hold.** The payment is paused, typically while we confirm a detail or complete a verification or compliance check. This is the one that occasionally needs you (more below).

**Paid.** The recipient has been paid in full. Done.

For day-to-day purposes, these four tell you what you need to know. The detail page goes a level deeper.

## The full journey, stage by stage

Open any payment and its detail page shows a timeline with the current stage highlighted. Here's what each one means, in order of the typical path:

- **Incomplete** — the payer started a payment but hasn't finished it yet.
- **Created** — set up and waiting for the payer to send funds.
- **Processing** — we've received the instructions and are processing the transfer.
- **Payable** — funds are ready to be sent to the recipient.
- **Collected** — we've received the payer's funds and are preparing the currency conversion.
- **Received** — the payer's funds have settled with us.
- **Traded** — the currency conversion is complete.
- **Paid** — the recipient has been paid in full.

Not every payment shows every stage — the path depends on the method and route — but they always move in this general direction, and the timeline makes the current position clear.

> **Quick tip:** "Collected," "Received," and "Traded" are all healthy, in-progress stages. If you see one of these, the payment is moving along normally — there's nothing you need to do but wait for "Paid."

## The statuses that need your attention

A few statuses mean something needs a look:

**On Hold** — paused for a check. Almost always, there's an email waiting for you asking for one specific thing — a document, a confirmation, a corrected detail. Provide it and the payment continues on its way.

**Outstanding** — the payment is past due and the payer still owes the funds. A nudge to the payer usually resolves it.

**Pending** — we're waiting on a status update before the payment can move forward. This typically clears on its own.

> **Important:** If a payment lands On Hold, check your email *first* — before assuming something has gone wrong. A hold is usually a quick, routine request, and responding to it is the fastest way to get the payment moving again. It's not a sign of a problem with your money; it's a sign we're being careful with it.

## When a payment doesn't complete

Sometimes a payment ends without reaching "Paid." These statuses tell you what happened:

- **Rejected** — we couldn't process it (a compliance, validation, or recipient issue). It can't be resumed, but the situation can almost always be resolved by creating a fresh payment once the cause is addressed.
- **Cancelled** — the payment was cancelled before it could complete.
- **Reissued** — this payment was cancelled and re-created as a new one (see [reissue, cancel and replace](/training/payments/reissue-cancel-and-replace.md)).
- **Refund** — the payment was reversed and refunded back to the payer.

If you hit a Rejected or Cancelled payment and aren't sure why, your NexPay contact can tell you exactly what caused it and the cleanest way forward. You're not on your own with it.

## Where to check status

Two reliable places:

1. **The home-screen summary** — the Created / Processing / On Hold / Paid cards. Click one to expand the list of payments in that group.
2. **The payment's detail page** — the full timeline, with the current stage highlighted and described.

And if a payment seems slow, the **Payment Status** page (in your account menu) shows any known disruptions on payment routes — worth a glance before you reach out, in case there's already an explanation.

## Your next step

- **Something's sitting in Needs action?** See [handling payments that need action](/training/payments/handling-payments-that-need-action.md).
- **A payment expired or needs replacing?** Read [reissue, cancel and replace a payment](/training/payments/reissue-cancel-and-replace.md).
- **Payment reached Paid?** Learn how to get proof in [receipts and remittance advice](/training/payments/receipts-and-remittance.md).
- **Curious why a hold happens at all?** Read [why we verify payments](/training/trust-and-compliance/identity-verification-and-aml.md).

## Checkpoint

After reading this, you should be able to:

- Read the four home-screen groups — Created, Processing, On Hold, Paid
- Recognise the in-progress stages (Collected, Received, Traded) as healthy
- Know that On Hold usually means an email is waiting with a specific request
- Tell the difference between Rejected, Cancelled, Reissued, and Refund
- Find a payment's status on both the home screen and its detail page

## Frequently asked questions

### My payment says "On Hold." What does that mean and what do I do?

A hold means the payment is paused, usually while we confirm a detail or run a verification or compliance check. It's a normal part of keeping payments safe. The fastest way to clear it is to check your email — there's almost always a message asking for one specific thing, like a document or a confirmation. Provide it and the payment continues. If you're unsure, reach your NexPay contact.

### How long does "Processing" take?

It depends on the payment method and the countries involved — some routes clear the same day, others take a couple of business days. The payment detail page shows where things are, and the currency calculator gives an estimated arrival time before you pay. If it's taking longer than expected, check the Payment Status page for any known delays before reaching out.

### What's the difference between "Created" and "Processing"?

Created means the payment is set up and waiting for the payer to actually send the funds. Processing means we've received the payer's instructions and the transfer is underway. So Created is "ready and waiting," Processing is "in motion."

### My payment was Rejected. Can I fix it?

A rejected payment couldn't be processed — usually a compliance, validation, or recipient issue. It can't be resumed, but it can almost always be sorted by creating a new payment once the underlying issue is addressed. Your NexPay contact can tell you exactly what caused it and the cleanest way forward.

### What does "Paid" actually confirm?

Paid means the recipient has received the funds in full. At that point you can download a receipt and a remittance advice from the payment's actions. It's the finish line — money has reached the institution or person it was meant for.

### Where can I see a payment's status?

Two places. The home-screen summary groups your payments into Created, Processing, On Hold, and Paid — click a card to see the list. And each payment's detail page shows its full timeline with the current stage highlighted and a description of what it means.

### I paid through a link and don't have a dashboard. How do I see my status?

If you paid via a link, you may not have a dashboard at all — and that's fine. Some links include a "View payment status" option you can use directly. Otherwise, the agent or school who sent you the link can see the status and will let you know, especially if anything is needed from you. Keep the confirmation and payment number you got at the end; that's your reference if you ask about it.

## More on NexPay

**Platform**

- [For students & parents](/for-students-and-parents.md)
- [For ed. agents](/for-education-agents.md)
- [For universities](/for-universities.md)
- [For schools](/for-schools.md)
- [For accommodation](/for-accommodation.md)
- [AI automation](/payments-ai-automation.md)
- [Pricing](/pricing.md)

**Help & resources**

- [Training](/training.md)
- [Contact](/contact-us.md)
- [Developers](/api.md)
- [Zapier integration](/zapier.md)
- [Claude & ChatGPT](/mcp.md) — Claude & ChatGPT integration

**Company**

- [About](/about.md) — About NexPay
- [Jobs](/about.md#jobs)
- [Blog](/blog.md)
- [Media](/media.md)
- [Events](/events.md)

**Trust & locations**

- [Trust & Regulatory](/trust.md)
- [Our offices](/locations.md)

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- [Developer & API Terms](/developer-terms/)

## NexPay

NexPay Pty Ltd (ABN 56 153 910 984) holds Australian Financial Services Licence No. 560782 and is authorised to provide non-cash payment services to retail and wholesale clients in Australia.

- **Address:** Level 12, 64 York St, Sydney NSW 2000, Australia
- **Support:** [support@nexpay.com.au](mailto:support@nexpay.com.au)
- **Status:** [https://nexpay1.statuspage.io/](https://nexpay1.statuspage.io/)

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