Transaction route / Colombia

A payment succeeded. Did the transaction?

A dependable commerce build separates price display, contract terms, provider eligibility, charge status, invoice evidence, tax responsibility, refunds, settlement, and reconciliation.

Transaction ledger

Eight states the build should distinguish.

A provider’s “success” response is one event. The system still needs an auditable business state and a human owner for exceptions.

State	System question	Owner decision
Quoted	Which currency is shown, how long is the quote valid, and what is included?	Commercial owner approves pricing language and expiry.
Accepted	What proves the customer accepted the right terms and scope?	Contract owner confirms evidence and retention.
Initiated	Can duplicate clicks, retries, or abandoned sessions create duplicate orders?	Technical owner defines idempotency and pending behavior.
Authorized	Does authorization equal final settlement for this provider and method?	Finance owner defines when fulfillment may begin.
Invoiced	Who issues the required invoice or receipt, and through which approved process?	Client and adviser confirm the invoicing model.
Settled	What currency arrives, where, when, and after which fees or conversions?	Finance owner approves settlement accounts and controls.
Reversed	How do refunds, disputes, partial reversals, and failures change the records?	Operations owner approves customer and ledger behavior.
Reconciled	Do provider, invoice, bank, and application records agree?	A named person reviews mismatches and closes the period.

Before provider selection

Verify the parties and the route.

Identify seller, customer, product or service, contracting entity, and place-of-supply assumptions.
Confirm provider availability for the parties, countries, currencies, business model, and transaction type.
Use client-owned payment, identity, invoicing, and bank accounts with controlled access.
Obtain current tax, invoice, sanctions, export-control, and accounting decisions where required.
Test declines, timeouts, duplicates, delayed confirmation, refunds, and reconciliation—not only success.

No guaranteed payment route

Provider and bank availability can change. This page does not promise that a specific account, currency, method, or cross-border arrangement will be available or appropriate.

Map the transaction

Bring one order from quote through reconciliation.

Include the parties, currencies, provider candidates, invoice owner, refund rules, settlement destination, and current exception process.

Prepare the commerce brief