Track Payouts

After you create a payout, the next step is to track its progress. This helps you make sure everything is moving as expected—and take action if needed.

Nium lets you track payouts using the following:

• Nium API
• Nium Portal
• Nium Connect
• Webhooks or Callbacks

Payout Lifecycle

After a payout is created, it moves through a series of statuses that reflect its progress—from initiation to completion.

The final (or terminal) statuses are:

• PAID
• REJECTED
• RETURN

For a full list of possible statuses and what each one means, see Transaction Lifecycle.

Statuses

Below is a list of all possible payout statuses, from start to finish, along with what each one means.

Status	Description
AWAITING_FUNDS	The transaction is waiting for funds to be added.
CANCELLED	The transaction was canceled by the customer. This usually applies to scheduled payouts that haven’t started yet.
COMPLIANCE_COMPLETED	The transaction passed compliance checks and is ready for the next step.
EXPIRED	The transaction expired—usually due to not being funded in time or an expired Foreign Exchange (FX) rate.
FAILED	The transaction failed. Check for issues (like missing funds) before trying again.
IN_PROGRESS	The transaction is currently being processed.
INITIATED	The transaction has been started and is in the processing flow.
PAID	Funds have been sent to the beneficiary from Nium’s partner bank.
PG_PROCESSING	Nium’s payment gateway is processing the payout and finding the best route through the partner bank network.
REJECTED	The transaction was rejected due to compliance rules.
RETURN	The payout was returned by the processing bank, clearing system, or beneficiary bank. This usually happens when something goes wrong on their end.
RFI_REQUESTED	Compliance flagged the transaction and requested more information (RFI).
RFI_RESPONDED	Nium received a response to the compliance RFI.
SCHEDULED	The transaction is scheduled to be processed on a future date.
SENT_TO_BANK	The payout instructions were sent to Nium’s partner bank. Once the partner bank completes the payout, the status changes to PAID.

Sub-statuses

Sub-statuses provide more detail about a payout that reaches the PAID status. They help you understand what stage the transaction is in—whether it’s still with the beneficiary’s bank or has already been credited to the beneficiary’s account.

This added transparency is especially useful for tracking how payouts behave in different countries and regions.

Status	Sub-status	Description
PAID	PROCESSED_BY_CLEARING	The transaction was processed by the clearing system and is expected to be credited to the beneficiary. This status occurs when Nium has limited visibility due to clearing or partner constraints.
PAID	DEEMED_PAID	The transaction is considered PAID with high confidence, as the clearing return window has passed without any returns.
PAID	SENT_TO_BENEFICIARY_BANK	The transaction has been sent to the beneficiary’s bank. If the account is active and compliant, the funds will be credited shortly.
PAID	SENT_TO_BENEFICIARY_BANK_ACCOUNT	The funds have been credited to the beneficiary’s bank account.

Corridors with additional sub-status:

Currency	Payout Rail	Sub-status	Reason
NZD	BECS	PROCESSED_BY_CLEARING DEEMED_PAID	Clearing system limitation
CAD	EFT	PROCESSED_BY_CLEARING DEEMED_PAID	Clearing system limitation