Transaction Lifecycle

Every transaction in dpay.pl goes through specific states - from creation to final settlement or cancellation. Understanding the transaction lifecycle allows you to handle payments correctly in your application.

Transaction statuses

Status	Description	Final?
created	Transaction registered, the customer has not made a payment yet	No
processing	Payment is being processed by the operator	No
paid	Payment completed successfully	Yes
canceled	Transaction canceled (timeout, rejection, customer cancellation)	Yes

State diagram

created

processing

paid

canceled

Press enter or space to select a node. You can then use the arrow keys to move the node around. Press delete to remove it and escape to cancel.

Press enter or space to select an edge. You can then press delete to remove it or escape to cancel.

State transition descriptions

created → processing

The customer selected a payment method and started the authorization process. For some methods (e.g., BLIK, cards), the transition to processing occurs immediately after the payment data is submitted.

processing → paid

The payment operator (bank, BLIK, card processor) confirmed the authorization. Funds have been debited from the customer's account. dpay.pl sends an IPN with the confirmation.

processing → canceled

The payment failed. Most common causes:

• Customer canceled the payment
• Invalid BLIK code or rejection in the banking app
• Insufficient funds
• Timeout (customer did not complete the payment within the required time)
• Rejected by the anti-fraud system

created → canceled

The customer took no action and the transaction expired (timeout).

Behavior per payment method

Different payment methods have different lifecycle patterns:

Method	Goes through processing?	Typical time for payment
BLIK	Yes	~2 minutes (code validity)
Bank transfers (PBL)	Yes	Up to 15 minutes
Payment cards	Yes (authorization + optionally 3DS)	Up to 5 minutes
Google Pay / Apple Pay	Yes	Seconds
MB WAY	Yes (confirmation in app)	Up to 5 minutes
Bizum	Yes (confirmation in app)	Up to 5 minutes
DCB	Yes	Up to 2 minutes
SMS Premium	Not applicable (different model)	-

How to check the transaction status?

IPN (recommended)

The best way to track the transaction status is through IPN handling. dpay.pl automatically sends an HTTP POST notification to your endpoint when the transaction transitions to the paid state.

info

IPN is sent only for successful transactions (status paid). Canceled transactions do not generate IPN notifications.

Polling (API querying)

If the IPN did not arrive or you need additional verification, you can check the status yourself:

POST https://panel.dpay.pl/api/v1/pbl/details
Content-Type: application/json

{
  "service": "abc123",
  "transaction_id": "A75AEBB4-4B89-4834-AD43-EF442C133769",
  "checksum": "sha256(service|transaction_id|secret_hash)"
}

For endpoint details and code examples, see the Querying the transaction status manually section.

tip

Do not query the API too frequently. The recommended approach is:

1. Primary mechanism - IPN (automatic, immediate)
2. Fallback - a cron job checking the statuses of transactions pending for more than 15 minutes

Mapping statuses to IPN

Transaction status	IPN sent?	IPN type
created	No	-
processing	No	-
paid	Yes	transfer
paid (card capture)	Yes	capture
canceled	No	-

Handling states in your application

Example logic for handling statuses on your server:

// Mapping dpay.pl statuses to order statuses
switch ($transactionStatus) {
    case 'created':
        // Order awaiting payment
        // Display "Awaiting payment" message to the customer
        break;

    case 'processing':
        // Payment in progress - do not change the order status
        // Customer sees the waiting page
        break;

    case 'paid':
        // Payment confirmed via IPN
        // Update the order, send a confirmation email
        markOrderAsPaid($orderId);
        break;

    case 'canceled':
        // Transaction canceled
        // Restore product availability, inform the customer
        markOrderAsCanceled($orderId);
        break;
}

warning

Do not update the order status to paid based on the customer redirect to url_success. The only reliable sources of information about a successful payment are IPN and a query to the dpay API.