Order status and amounts

"Back office label" is the status text shown in the merchant back office.

Collection orders

pending ──┬── Payment credited ───────────────────────→ success        (Callback sent)
          ├── Rejected manually by ST Pay ─────────────→ rejected       (Callback sent; final)
          └── Rejected by system on expiry (30 min) ──→ rejected       (Callback sent)
                                                          │
                                                          └── Payment receipt confirmed later ──→ late_credited (no Callback)

`status`	Back office label	Meaning	Final result?
`pending`	Pending	Waiting for the payer's transfer and ST Pay's confirmation	No
`success`	Success	Payment credited; the settlement amount has been added to your balance	Yes
`rejected`	Rejected	Nothing is credited and no fee is charged	Final if rejected manually; an order rejected on expiry by the system can still change to `late_credited` afterwards
`late_credited`	Late credited	Late credit: the order was rejected on expiry by the system, but it was later confirmed that the payer did pay, and the settlement amount has been added to your balance	Yes

No Callback is sent for late credits

You first receive one Callback with rejected. If the same order later changes to late_credited, you will not receive another notification, but your balance has already increased.

Recommendation: When a payer reports having paid but the order shows as rejected, confirm with an order query. Also reconcile regularly using order queries or the balance ledger in the merchant back office (entry type "Late credit"), checking whether orders whose reject_reason is 「訂單已逾時」 ("order expired") have changed to late_credited.

Payout orders

pending ──┬── Paid out by ST Pay ──→ paid       (balance deducted; Callback sent)
          └── Rejected by ST Pay ──→ rejected   (nothing deducted; Callback sent)

`status`	Back office label	Meaning	Final result?
`pending`	Pending	Waiting for ST Pay to pay out	No
`paid`	Paid	Paid out; the payout amount plus the fee has been deducted from your balance	Yes
`rejected`	Rejected	Nothing is deducted and no fee is charged	Yes

Payout orders do not expire automatically. They remain pending until ST Pay processes them.

Amounts and fees

Item	Calculation
Collection payable amount `payable_amount`	Original amount + identification tail (0.01–0.99)
Collection fee `fee`	Received amount × collection fee rate, truncated (rounded down) to 2 decimal places
Collection settlement amount `settlement_amount`	Received amount − fee
Payout fee `fee`	Payout amount × payout fee rate, truncated (rounded down) to 2 decimal places
Payout total deducted `total_deducted`	Payout amount + fee

The fee rate is locked in at the moment the order is created. Later rate changes affect only newly created orders.
The received amount received_amount is the amount that ST Pay actually confirmed as credited, and the fee and settlement amount are calculated from it. If the amount the payer transferred differs from the payable amount, the received amount may differ from payable_amount.
The fee for a rejected order is 0.00.
Each order's original amount or payout amount must be within the per-transaction minimum and maximum set by ST Pay (inclusive of the limits themselves). The limits are set separately by "collection or payout" and by "channel type". Check the current values with ST Pay.

Example: With a collection fee rate of 2.5% and a received amount of 1000.37, the fee is 1000.37 × 2.5% = 25.00925, which is truncated to 25.00, and the settlement amount is 975.37.