Application statuses
Every status an application can be in, and what you should do in each.
Every application has a one-letter status code. You'll see it as status in Get application status and as pt_app_status in postbacks.
| Code | Status | What you should do | Postback |
|---|---|---|---|
| Z | Verifying Customer The customer is in identity verification and fraud checks. | Wait. Keep the order on hold. | None |
| P | Pending The application was just created. Common for in-store and virtual carts. | Wait for the customer to finish applying. | None |
| R | Pre-approved The customer passed initial underwriting and is a good candidate. | If this is a pre-approval, attach a cart with Update cart and send. | None |
| E | Eligible The customer matched a lender and is still finishing the application. | Wait for the customer to finish applying. | None |
| A | Approved Underwriting passed. The customer is choosing an offer, signing, and paying any down payment. | Wait for the customer to sign. | None |
| X | Under Review PayTomorrow is reviewing the application. | Wait. No action needed. | None |
| B | Waiting for Consumer The order total went up after the customer signed. PayTomorrow emailed them updated documents to sign. | Keep the order on hold until it moves to S or C. | None |
| W | Waiting for Review The customer signed, and the details need extra validation before funding. | Keep the order on hold until it moves to S. | pending |
| M | Waiting for Lender A third-party lender is giving final approval. | Keep the order on hold. | pending |
| S | Ready to Settle The application is final. The customer is approved for this order. | Ship the order, then call Settle application. | pending |
| C | Funded The order was settled and PayTomorrow started funding. | Nothing. The order is complete. | completed |
| L | Funded by Lender A third-party lender funded the order. | Nothing. The order is complete. | completed |
| T | Refunded The application was refunded. | Cancel or return the order. | refund |
| U | Declined The customer did not pass underwriting, or the shipping address no longer matches. | Ask the customer to choose another payment method. | failed |
| O | Cancelled The customer, the merchant, or PayTomorrow cancelled the application. | Release the order or ask for another payment method. | cancelled |
| N | Abandoned The customer left the application before finishing. | Release the order or ask for another payment method. | cancelled |
| D | Deleted PayTomorrow removed the application. | Treat it as cancelled. Release the order. | None |
How statuses flow
Main path
- ZVerifying Customer
- AApproved
- SReady to Settle
- CFunded
After review
- WWaiting for Review
- SReady to Settle
After lender review
- MWaiting for Lender
- SReady to Settle
Order total raised after signing
- BWaiting for Consumer
- SReady to Settle
Lender funding
- SReady to Settle
- LFunded by Lender
Refund after funding
- CFunded
- TRefunded
The main path is Z → A → S → C: the customer is verified, approved, signs, and you settle after shipping. Funding (C or L) can be followed by a refund (T). These codes describe the application now; they are not a permanent sequence or a substitute for reconciliation.
B appears when an order's total is raised after the customer signed, for example by a partial refund request with a higher loanAmount. PayTomorrow emails the customer updated documents. Once they sign, the application returns to S, or goes straight to C if the original order was already funded. B and E send no postback of their own, so you'll only see them in Get application status and in the response to the call that changed the order.
Which statuses need you
Only three moments need action from your side:
SReady to Settle. The customer is approved for this order. Ship it, then settle.U,O, orN. The customer won't be financing this order. Release inventory and offer another payment method.- After funding. If the customer returns the order, refund or partially refund.
Everything else is PayTomorrow, a lender, or the customer doing work. Hold the order and wait for the next postback.
Unknown statuses
Hold the order and contact support if the API returns a code not listed here. Internal workflow states are not instructions to fulfill an order. Never treat an unknown code as approval.