Payment status 'pending' indicates temporary automated processing delays, while 'in review' signals manual intervention required for risk assessment, fraud verification, or compliance checks before settlement authorization.
How It Works in Practice
- 1Classify pending status for temporary system delays, network timeouts, or batch processing queues awaiting automated retry
- 2Trigger in-review status when risk scores exceed thresholds, velocity limits activate, or sanctions screening flags transactions
Common Pitfalls
Misclassifying review-required transactions as pending creates false customer expectations and potential regulatory reporting gaps
Failing to implement proper status transition logging makes PCI DSS audit trails incomplete and complicates dispute resolution
Key Metrics
| Metric | Formula |
|---|---|
| Pending Auto-Resolution Rate | Successfully auto-resolved pending payments ÷ Total pending payments × 100 |
| Review Decision Time | Average time from in-review status assignment to analyst decision |
| Status Misclassification Rate | Incorrectly classified status changes ÷ Total status assignments × 100 |
Related Terms
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