What should I do in case of WAITING_AUTHORISATION?
During a transfer request validated by the buyer, some banks can return an intermediate status (ACCP ou ACSP ou PDNG), indicating that the transfer is in progress and that all the checkups are successfully completed.
However, the compensation (i.e. the movement from one account to another) is not yet performed.
Depending on the bank, the delay for receiving the final ACSC status may vary between 1 hour and 72 hours.
Public holidays and non-business days may delay status updates.
In order not to block the order, the merchant site may decide to take the risk of releasing the order with an intermediate status (ACCP ou ACSP ou PDNG) before receiving the final ACSC status.
Some banks (such as ING France) may not give priority to the execution of the transfer in the event of other priority debits.
However, a large number of banks directly return the ACSC status in case of a SEPA transfer on the day.
To this day, LCL never returns the final ACSC status. LCL plans to change this non-compliant behavior only in 2023.
In this case, in order to not block the merchant, the transaction is created with a CAPTURED status, but we cannot guarantee that it is 100% executed. A RJCT status could intervene in some very rare cases.