Glossary#

Payment account types#

psd: A regular Holvi payment account holding the customer’s own funds. The customer’s primary account is named “Main” by default.
credit: An account linked to a Holvi Credit agreement, a revolving business credit line used mainly through a Holvi business credit card. It does not hold the customer’s own funds: balance is the credit currently drawn and is normally zero or negative, while available_balance is the credit still available (the remaining credit line minus reservations). Drawn credit is repaid through monthly credit invoices by transferring money into this account. A credit account is EUR-only, has its own IBAN, exists only while a Holvi Credit agreement is active, and there is at most one per business.

Payments booked on a credit account are flagged with is_credit: true.

unverified: The payment has been initialized in the system and is pending customer approval.
verified: The payment has been approved and is currently being processed.
paid: The payment has been processed.
notenoughbalance: Due to an insufficient balance, the payment could not be processed.
cancelled: The payment has been cancelled and will not be processed.
scheduled: The payment is scheduled for future processing.

pending_approval: The bulk has been accepted and is waiting for the customer’s approval.
processing: The customer has answered and the bulk is being finalised: its payments are created and sent if it was approved.
approved: The bulk has been processed. Each payment carries its own state; not_sent_count tells how many were not sent.
rejected: The customer declined the bulk, did not answer within one hour, or the bulk could not be sent within 24 hours of its creation. No payment was made.