Payment statuses explained
Every payment moves through a few statuses from the moment you create it until it reaches your partner. Here's what each one means.
| Status | What it means |
|---|
| Draft | Created but not yet submitted. You can still edit or delete it. |
| Pending approval | Submitted and waiting for an approver. Sends automatically once approved. See Approvals & payment policies. |
| Processing | Approved and on its way through the banking network. |
| Paid | The payment has arrived in your partner's account. |
| Failed | The payment couldn't be completed. Funds are returned to your account. |
| Returned | The receiving bank sent the payment back, often due to incorrect account details. |
Where to see status
Open Payments to see the status of every payment, or open a partner to see just theirs.
Expected timing by transfer type
| Transfer type | How fast it completes |
|---|
| Internal (SiFi) | Instant — moves to Completed immediately |
| Local (up to SAR 20K) | Instant |
| Local (above SAR 20K) | Next working day (T+1) via SARIE |
| SWIFT | 1–3 business days |
Local transfers made outside business hours or on weekends/public holidays may be processed on the next business day, regardless of amount.
If a payment fails or is returned
Check the account details and try again. See Verifying a payment method to understand common issues with account details.
See also: Sending a payment | Making payments
Need more help? Contact support@sifi.sa.
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