Safe transaction guidance

When the screen is unclear, the reference is not.

A slow network is not a lost payment. Each situation below shows the reference, the last checked time, the current state, whether another attempt is safe, and how you will know when the state changes.

  • The payment screen timed out

    Mock data

    Do not submit another payment immediately. Check the current status and keep the reference.

    A screen closing does not tell you what the provider recorded. The funding action may already have been received.

    Transaction reference
    SP-FND-2026-40118
    Last checked
    Last checked 2 minutes ago
    Is another attempt safe?
    Another attempt is not safe yet
    How you will know
    The funding record changes to confirmed or failed, and the activity record shows the change.

    Safe next action. Open the agreement, read the funding record and note the last checked time.

    Do not. Do not repeat the payment while the earlier attempt is still unresolved.

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  • Funding is pending

    Mock data

    SecurePay is still checking the provider outcome. Another attempt may create a duplicate transaction.

    The provider has not returned a reliable result yet. Pending is not the same as failed.

    Transaction reference
    SP-FND-2026-40119
    Last checked
    Last checked 40 seconds ago
    Is another attempt safe?
    Another attempt is not safe yet
    How you will know
    You receive a notification and the money state changes from pending to confirmed or failed.

    Safe next action. Wait for the record to resolve, and keep the funding reference safe.

    Do not. Do not pay again, and do not tell the recipient that funding is confirmed.

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  • Settlement is processing

    Mock data

    Release has been requested, but settlement is not yet confirmed.

    The instruction is recorded and the rail is working on it. The final outcome is still pending.

    Transaction reference
    SP-REL-2026-20884
    Last checked
    Last checked 5 minutes ago
    Is another attempt safe?
    Another attempt is not safe yet
    How you will know
    The settlement record moves to settled or failed, with a rail outcome recorded.

    Safe next action. Keep the release reference and check the settlement record.

    Do not. Do not request a second release for the same responsibility.

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  • A contribution is pending

    Mock data

    The contribution has not yet been added to confirmed progress.

    Group progress counts confirmed contributions only, so a pending contribution is not yet part of the total.

    Transaction reference
    SP-CON-2026-77310
    Last checked
    Last checked 1 minute ago
    Is another attempt safe?
    Check the current state first
    How you will know
    Confirmed progress on the group page increases and your contribution record shows confirmed.

    Safe next action. Check the contribution record for the outcome before contributing again.

    Do not. Do not send a second contribution to correct what looks like a missing one.

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  • A transaction was reversed

    Mock data

    An earlier financial event no longer stands.

    The reversal record shows what was reversed, the amount affected, and whether the agreement remains active.

    Transaction reference
    SP-REV-2026-10442
    Last checked
    Recorded 3 hours ago
    Is another attempt safe?
    Check the current state first
    How you will know
    The agreement shows the reversal, the affected amount and the resulting money state.

    Safe next action. Read the reversal record, then decide with the other participants what happens next.

    Do not. Do not assume the agreement has ended, and do not delete the original reference.

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  • A provider outcome is uncertain

    Mock data

    The position is being reconciled. Keep the reference and wait for the recorded result.

    Provider information is inconsistent or delayed. SecurePay records the uncertainty rather than guessing.

    Transaction reference
    SP-RCN-2026-55019
    Last checked
    Last checked 12 minutes ago
    Is another attempt safe?
    Another attempt is not safe yet
    How you will know
    The state changes from under reconciliation to a recorded outcome, and you are notified.

    Safe next action. Note the reference, the last checked time and the current state.

    Do not. Do not make another financial attempt while the position is uncertain.

    Find the matching help article

SecurePay never offers a bare “Try again” on a money action. If another financial attempt is not safe yet, the screen will say so.

About the examples on this page

Every example, record and status here is demonstration content and is labelled mock. Sandbox records behave realistically but move no money. Live records come from real activity. These pages are not live customer cases.