# Charge and Instrument Statuses

A reference for all status values used across charges and instruments on the Monato platform.

## Charge Statuses

Charges move through the following statuses from creation to final result.

| Status | Description |
|  --- | --- |
| `pending` | The charge has been created and accepted by the platform. It is queued for submission to the banking network at the next processing cutoff. |
| `confirmed` | The banking network has confirmed the charge. The amount has been collected from the customer's account. |
| `declined` | The banking network declined the charge. No funds were collected. See the `declined_reason` and `declined_reason_rail` fields, or the [Error Codes](/products/directdebit/content/reference/error-codes) reference for details. |
| `canceled` | The charge was canceled before being processed by the banking network. |
| `chargeback` | A previously confirmed charge has been reversed by the customer's issuing bank. The amount has been deducted from the merchant's balance. |


### Status Flow


```
created
   └── pending
         ├── confirmed
         │     └── chargeback
         ├── declined
         └── canceled
```

A charge in `pending` status will not change until the banking network returns a response. Charges are not cancelable once submitted to the banking network.

## Instrument Statuses

| Status | Description |
|  --- | --- |
| `active` | The instrument is available for use in charge requests. |
| `inactive` | The instrument has been deactivated and cannot be used for new charges. |


## Instrument Ownership Verification

The `ownership_verification_result` field reflects the outcome of [penny validation](/products/directdebit/content/introduction/key-concepts#penny-validation), which runs automatically for new instruments.

| Value | Description |
|  --- | --- |
| *(null)* | Penny validation has not yet completed. |
| `verified` | The account ownership was successfully verified. |
| `unverified` | The account ownership could not be verified. |


An `unverified` result does not prevent charges from being submitted on that instrument, but it may influence risk scoring. The `instrument_verification_result` webhook event is sent when penny validation completes.