Common SEPA/UK Faster Payment Failure Scenarios

In some cases, a payment may display a status of expired, even though the payer claims they completed the transfer. This typically occurs when we are unable to match the incoming payment to the original session. Below are common scenarios that can result in an expired status for SEPA or UK Faster Payments:

Failure Reason	Example Scenario
No Payment Received	The user never initiated the payment.
Payment Arrived Late	The user sent the payment, but it arrived after the session expired.
Incorrect Amount	The user sent a payment, but the amount was incorrect.
Payment From Unverified Account	The user sent the payment from a known account, but not the one they selected when initiating the transfer.
Unknown Account	The payment came from an account the user has never entered into our system, so we are unable to match it to a session.

If the failure was due to an unknown account, you can view and investigate these cases in the Unknown IBAN Payments section of the dashboard.