Tell a checkout, an order status, and a bank deposit apart
They are different records. On Stripe, a card authorization can hold funds before capture. Capture is a later step when manual capture is used. Funds then move from pending to available in the Stripe balance on the settlement timing for that account and method. A payout is a later transfer of available funds to your bank, and the bank may take more time after it receives them. On WooCommerce, Processing means the store recorded payment as received and the order is awaiting fulfillment. On hold can mean confirmation is still open, including separated authorization and capture. Completed means the order was fulfilled. None of those store statuses is a bank deposit. You can match one real payment to the stage its own records show. Your provider explains a stage its dashboard does not label. The bank date is unknown until the payout record and the bank say so. Describe the work you need. Prism will confirm scope, responsibilities, fees, and terms before work begins.
For: An owner or authorized representative of a business that sells peptides for laboratory research use only and needs to name which payment stage a live order has reached.
Updated 2026-09-21
Authorization and capture are not the deposit
Stripe's hold document says an authorization places a hold on an eligible payment method, and that capture is the later step when you use manual capture. If the authorization expires before capture, the funds are released and the Stripe payment status becomes canceled. Cards can be authorized and captured separately. ACH Direct Debit cannot. The capture deadline itself differs by document and is not restated here as one number.
Stripe's card document says the buyer enters card information at checkout. A completed payment form can therefore exist before capture, and capture can exist before the funds are available to pay out. Do not read a checkout confirmation as a deposit.
Pending and available are balance states
Stripe's balances document says a charge appears in the pending balance, minus Stripe's fee, until settlement. You cannot withdraw pending funds. When they settle, they become available and can be used for a payout, a refund, or a transfer. Settlement timing depends on country and payment method. The page's United States card example is a Monday payment that is available on Wednesday, two business days later. The same page says risk criteria might prevent the default timing, and it lists longer settlement for bank debits, including four business days for ACH Debit.
That example is Stripe's illustration. It is not your settlement schedule unless your Stripe account is on that timing. A reserve balance is a further Stripe mechanism: funds in it cannot be paid out until the reserve hold period is complete. A reserve question uses the notice, not this stage list.
A payout is another movement
Stripe's payouts document says Stripe sends funds from the available balance to your bank. The first payout is typically scheduled to complete within 7 to 14 days and can take longer depending on industry, country, and risk. Later payouts follow the account's payout schedule. Funds become available according to settlement timing, and the bank might take additional time after it receives the payout. The expected deposit date Stripe shows is a Dashboard field, not a confirmation that the bank has posted the money.
A payout you cannot match to a deposit is a reconciliation question. It starts from the payout record and the bank record. It is not answered by renaming an earlier stage.
WooCommerce status names are store records
WooCommerce's order-status guide says a submitted order often moves from Pending payment to Processing and then Completed. Processing means payment has been recorded as received and the order awaits fulfillment. Completed means it was fulfilled and needs no further store action. On hold means the order is awaiting payment confirmation. The guide gives two relevant cases: a delayed-notification method, and a gateway that separates authorization from capture. Failed means the payment failed or was declined, and it may appear only after a delayed confirmation ends in rejection.
Refunded means an admin fully refunded the order's value. The same guide says a manual refund can set that status without the buyer's funds having been returned. A WooCommerce status therefore cannot tell you that Stripe has created a payout or that the bank has posted it. Read the order note and the payment record named in that note.
How to name the stage you are looking at
Pick one real payment. Find the checkout result, the Stripe payment status if this payment is Stripe's, the WooCommerce status if the order is in WooCommerce, the balance state, and the payout. Stop at the first record you do not have. That missing record is the unknown. You can decide which stage the records support. Your provider decides a status the documents do not define and any fee or reserve that changes the amount.
Prism can help you organize a website or provider question. Any account access must be authorized separately. The provider decides when funds are released. Do not send card numbers or a customer export. The cost on a statement, and the deadline before an authorization expires, are the next questions when the stage itself is already identified.
Stage identification for one payment
Use one real payment. Do not invent an example. Write the identifier the record actually shows, and write unknown when you cannot open that record. Stripe rows apply only when the payment went through Stripe. Worksheet entries are not submitted by this worksheet or saved by this site. Use only non-sensitive summaries; do not enter credentials, government identifiers, card or bank-account numbers, private receipt links, or customer details.
Worksheet entries are not submitted by Prism’s worksheet and are not saved by the site. Use record types, availability, anonymized observations, or match/mismatch results. Do not enter government identifiers, customer names or addresses, customer messages, receipt-access links, card or bank details, passwords, or keys. Send sensitive documents only through the provider’s verified secure channel.
Stage identification for one payment. The last column is for temporary notes.
Stage
What the opened document says it means
A record that can show it
Your payment
Checkout completed
What the opened document says it meansThe buyer submitted payment details. On Stripe, card details are entered at checkout. That submission is not a payout.
A record that can show itThe store's checkout result or the provider's payment page for this order.
Authorization hold
What the opened document says it meansOn Stripe, manual capture authorizes now and captures later. If the authorization expires first, Stripe says the funds are released and the payment status becomes canceled. ACH Direct Debit does not support this separation.
A record that can show itThe payment status and, on a Stripe charge, the capture deadline field if one is present.
Capture
What the opened document says it meansCapture collects the authorized funds when the integration uses a later capture. Some integrations capture at the same time as authorization. The integration document says which one you run.
A record that can show itThe capture time on the payment, or unknown if the record does not show one.
Store order status
What the opened document says it meansWooCommerce Processing means the store recorded payment and is waiting to fulfill. On hold can mean confirmation or separated capture is still open. Completed means fulfilled. Failed means the store recorded a decline, sometimes only after delayed confirmation.
A record that can show itThe WooCommerce status and the order note. Leave blank if the order is not in WooCommerce.
Pending or available balance
What the opened document says it meansStripe shows the charge as pending until settlement, then available. Pending funds cannot be withdrawn. Timing depends on the account, the method, and risk criteria.
A record that can show itThe balance transaction state and its available-on time, if the account is Stripe.
Payout created
What the opened document says it meansStripe sends available funds to the bank on the payout schedule. The first payout is typically scheduled within 7 to 14 days and can take longer. The Dashboard can show an expected deposit date.
A record that can show itThe payout identifier and expected deposit date. This is not the bank posting.
Bank posted the money
What the opened document says it meansStripe says the bank may take additional time after it receives the payout. No document on this page says the checkout or the order status is that posting.
A record that can show itThe bank transaction that names this payout, or unknown.
These are temporary notes. Leaving or reloading this page may clear them. The consultation form does not include these entries.
Limits
A Prism consultation can help you organize the facts and discuss the website or processing question. The payment provider decides eligibility, pricing, reserves, and whether an account is opened or closed.
Stripe's timing examples are not a settlement or payout promise for your account, and they do not describe a non-Stripe provider.
This page does not calculate fees, reserves, or the capture deadline for a particular authorization.
Stripe authorization and capture — checked 2026-09-21. Manual capture authorizes a payment and captures later. Cards support that separation. ACH Direct Debit does not. An expired authorization becomes canceled and the funds are released.
Stripe cards — checked 2026-09-21. A card payment starts when the buyer enters card information at checkout.
Stripe balances and settlement — checked 2026-09-21. Funds move from pending to available at settlement. The US card example is two business days. A reserve balance cannot be paid out until its hold period is complete.
Stripe payouts — checked 2026-09-21. Payouts send available funds to the bank. The first payout is typically scheduled within 7 to 14 days and can take longer. The bank may add time after receipt.
WooCommerce order statuses — checked 2026-09-21. Processing, On hold, Completed, Failed, and Refunded are store statuses. On hold can reflect delayed confirmation or separated authorization and capture. A manual refund can mark Refunded before funds are returned.
Prism solutions — checked 2026-09-21. The provider decides account terms, including reserves. Prism prepares questions and does not decide eligibility.
Prism contact — checked 2026-09-21. A consultation request is followed up by email and is not a processing application. Card numbers and customer records should be left out.
Request a consultation
Describe the business and this specific question. Prism follows up by email to discuss fit and scope. An inquiry is not a processing application or an approval.