Status

Endpoint

POST https://api.settleflow.io/v1/status/direct

Use this endpoint to retrieve the latest state of a payment — typically after a 3D Secure challenge, or to reconcile your own records against SettleFlow.

When to call it

After redirecting the customer through a 3DS challenge, once they land back on your ReturnUrl.
If a webhook delivery is delayed or you want to confirm the authoritative state.
For reconciliation jobs that compare your internal order status with SettleFlow's record of truth.

Do not poll this endpoint in tight loops — rely on the webhook instead and use status as a fallback.

Request

Headers

Header	Value
`epro-api-key`	Your API key
`Content-Type`	`application/json`

Body

Provide one of the following. When both are supplied, Reference takes precedence.

Field	Type	Description
`Reference`	string	SettleFlow payment request ID returned by `/v1/payment/direct`.
`Tid`	string	Your own transaction reference.

Example request

curl -X POST https://api.settleflow.io/v1/status/direct \
  -H "epro-api-key: sk_test_..." \
  -H "Content-Type: application/json" \
  -d '{
    "Reference": "pr_abc123"
  }'

Response

{
  "Code": 0,
  "Result": {
    "OperationType": "payment",
    "Status": "captured",
    "Tid": "order-2026-001",
    "Reference": "pr_abc123",
    "Amount": 49.99,
    "UserId": "customer-42",
    "Message": "Payment was successful",
    "Date": "2026-04-22 14:30:45"
  }
}

The Status field uses the same values as the payment response — see Status values on the payment page.

Errors

Code	Meaning
`1`	Neither `Tid` nor `Reference` supplied
`3`	Invalid API key
`102`	Transaction not found for the given identifier

Pattern: polling after a 3DS redirect

// After the customer returns to your ReturnUrl
async function resolveAfter3DS(reference) {
  for (let attempt = 0; attempt < 6; attempt++) {
    const res = await fetch("https://api.settleflow.io/v1/status/direct", {
      method: "POST",
      headers: {
        "epro-api-key": process.env.SETTLEFLOW_API_KEY,
        "Content-Type": "application/json",
      },
      body: JSON.stringify({ Reference: reference }),
    });
    const { Code, Result } = await res.json();
    if (Code !== 0) throw new Error(`status error ${Code}`);
    if (Result.Status !== "pending") return Result;
    await new Promise((r) => setTimeout(r, 2000));
  }
  throw new Error("Timed out waiting for 3DS completion");
}

Six attempts at two-second intervals is a reasonable ceiling — if the payment is still pending after twelve seconds, trust the webhook to resolve it and show the customer a "processing" screen.

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