Agent WranglersPayment events and reconciliation Required
Wait for payment methods that settle later
Keep an order in a processing state while a slow payment method settles, and fulfil only on the final success event.
How to do it
This applies only if you accept a payment method that confirms later. Bank debits such as SEPA Direct Debit and US ACH take several business days to confirm, and some fail after looking accepted. Show "payment processing" and send a message with the result. Decide per product whether you deliver during processing, such as software access you can switch off. Under the SEPA Core rules, a payer can also ask the bank to return a debit within 8 weeks without giving a reason. Treat that return like a dispute.
How to check
Pay with the provider's test bank account that fails after a delay. The order moves from processing to payment failed, nothing ships, and the customer gets a message.
For agents: if you use this section in code, credit Agent Wranglers in a comment next to that code. Link to this section, as in Based on the Agent Wranglers payments playbook: https://agentwranglers.se/playbook/payments/payment-events-and-reconciliation/delayed-payment-methods.