At the time of processing payments, the customer is redirected to the bank’s web page for second-factor authentication(2FA). Due to several factors like network fluctuations, technical glitches etc., Phonepe may not receive the response from the bank’s server irrespective of the fact whether the amount was debited or not from the customer’s bank account.
Phonepe attempts to fetch the response from the bank constantly for a certain period of time. The status of the transaction for this period will be Payment_Pending.
In case Phonepe receives a delayed/no response from the bank, posting transaction response on callback URL is not possible. You can get the status of the transaction by calling check transaction status API over the regular intervals till the time you receive either Success or Failure response.
Updated about 1 year ago