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Understanding Transaction Statuses
Every payment moves through a small, fixed set of states. Knowing what each one means tells you whether to wait, retry, or contact support.
The states
| Parameter | Type | Description |
|---|---|---|
| preparedoptional | transient | The payment is built and signed but not yet submitted to the network or rail. |
| pendingoptional | in flight | Submitted and waiting for on-chain confirmations or rail settlement. On-chain USDC usually settles within minutes; cross-chain transfers can take longer. |
| settledoptional | final | Confirmed and irreversible. The money moved. |
| failedoptional | final | The rail or network rejected it after submission — funds do not leave your balance. |
| rejectedoptional | final | Refused before submission: a policy, limit, or validation check said no. The response says which. |
Card purchases additionally show declined when the card itself refuses — see Declined Transactions.
Checking a transaction on-chain
On-chain payments carry a transaction hash (0x… on EVM chains, a base58 signature on Solana). Open the transaction in the app and tap the hash to view it on the network's block explorer — if the explorer shows it confirmed but FurlPay still says pending, give it a minute for confirmations to reach our required depth; the depth scales with the amount.
When to worry
A pending deposit past 30 minutes is worth a look. First ask the co-pilot "where is my deposit?" — it checks your pending transactions directly. If the sender's explorer link shows a different network than you selected on the deposit screen, that is the usual cause; open a ticket in the stablecoins category with the tx hash (safe to share — a hash reveals nothing secret).
Deposits credit at network speed, not FurlPay speed