Payment history

Payment history

What it is

Payment history is the Payments section on My Balance: the list of payments and Direct Debit collections that resolved, are resolving, or tried to resolve your charges in a syndicate. Each entry shows the amount, the date, how it was paid where the payment provider has said, and an outcome. The newest entry is at the top.

Who can use it

Every member sees their own payment history. The list is scoped to you within one syndicate, so you only see your own payments and attempts, and only for the syndicate you are viewing. Admins have the same section for their own activity.

Where to find it

Open your balance, then tap Payments to expand the section. It keeps itself up to date while it is open. Payment notifications and older links to Payment History open this section directly; there is no separate receipts screen. A settled charge with further details has a chevron at the bottom right of its row: tap the row to see its payment details and any charge breakdown.

Fields or options

Each row in the list shows these things.

• Amount: the value of that payment or collection, in the syndicate currency. When a card payment also used some of your credit, this is the amount taken by card, with a line under it saying how much credit was used too, for example £50.00 of your credit was also used.
• Date: the date the settlement was created, shown in your timezone.
• Payment method: on its own line under the date, how you paid. An external payment reads Paid outside Syndik8; card, wallet and bank details appear once the payment provider has reported them. See How the payment method is named.
• Outcome: what happened to it, in a few words, described below. It sits at the right of the row; at large text sizes it moves under the date and payment method, so it is never cut off. Anything that did not simply succeed also carries a sentence saying what happened and whether any money moved.

Behaviour rules

A settlement is a single payment or collection: a card payment you made, or a Direct Debit collection taken from your mandate. Each settlement appears as one row.

The outcome of each row is one of these:

• Collected: the payment or collection cleared and resolved the charges.
• Waived: an admin let you off the charge. Nothing was taken from your account, nothing of yours was used up, and there is nothing left to pay. Deliberately not Collected, which would suggest you had paid it.
• Paid with credit: the charge was paid entirely from credit you already held, because you chose to use it at Pay, an admin used it for you, or your Direct Debit used it instead of taking a debit. No money left your bank, but you did pay — the credit was spent, and it is no longer there to use on another charge. That is why this reads differently from Waived.
• On its way: still in progress. For a Direct Debit the sentence says to expect a few working days, because Bacs takes that long. For anything else, including a payment made on the online payment page, it says that some methods, such as a bank payment, take a few working days to clear: a card clears in seconds, but a bank payment chosen on that page does not.
• Not finished: you started a card payment and it never completed, usually because the payment sheet did not appear or the app was closed before it did. No money left your account and nothing is travelling for this attempt.
• Not collected: your bank saw the payment and returned it. Your bank can tell you why. This covers a Direct Debit, and a bank payment (such as Bacs) you chose on the online payment page. You and your syndicate’s admins are also sent a notification saying it came back.
• Never requested: the collection never reached your bank at all, so no money left your account for this attempt. This reads differently from Not collected on purpose: there is no point ringing a bank about a debit it never saw.
• Not completed: the payment did not complete and we cannot say more than that. No money has left your account. If your card was refused and you then paid with another card in the same sheet, the row changes to Collected once that payment clears.
• Cancelled: stopped before it ran. No money has left your account. Dismissing the payment sheet on iPhone or Android asks the provider to cancel that attempt; once cancellation is confirmed, the charges can be paid another way.
• Returned to you: a payment or collection whose charges were put back after it had cleared, where money really came back. This covers Direct Debit reversals under the Direct Debit Guarantee, card chargebacks, indemnity claims, and refunds the syndicate sent that reopened what you owed.
• Undone: an admin undid the record of a payment your syndicate never took through the payment provider — cash, a bank transfer, a waiver, or a payment from your credit. No money moved in either direction and none is coming back to your bank. Undoing a payment from your credit gives that credit back to you, and the charges are owed again.

These are the outcomes of individual payments, rather than a statement of what you owe today. You may have paid a charge successfully after an earlier attempt failed or was undone. Check Due on My Balance for what needs paying now; an old unsuccessful attempt does not mean those charges are still owed.

Not every refund changes the row’s meaning. A payment refunded as a gesture, or corrected downwards, still cleared the charges it was for, so the row stays Collected and only part of the money — or none of what you owe — has moved. Once a refund has reached you, the row says how much came back, for example Collected, £20.00 refunded; several refunds on one payment are added together. The same is true while a bank refund is still settling, which takes several working days: nothing changes on this list until it lands.

The list is kept on your device and follows the server: when a Direct Debit collection confirms, or an admin puts a payment right, the row changes by itself while you are looking at it. There is nothing to refresh. Offline, it shows what last reached your device and catches up when you reconnect. If the list fails to load, tap Retry.

If you have made no payments and had no collections in this syndicate, the section shows an empty message instead of a list. On a device that has not finished its first sync, it says it is still syncing your payments instead, rather than telling you there are none. The section remains available even when you have no charge rows.

How the payment method is named

The line under the date names the method the payment provider reported, for example Visa ending 4242. This covers payments made on the online payment page, card payments made in the app, and Direct Debit collections.

• A card reads as its brand and the last four digits of the card: Visa ending 4242. The brands named are Visa, Mastercard, American Express, Discover, Diners Club, JCB, UnionPay and Cartes Bancaires. A card of any other brand reads Card ending 1234. Where the provider gave no digits, the row names just the brand, or Card.
• Apple Pay or Google Pay, for a wallet payment, followed by its card brand and last four digits where the provider reported them: Google Pay · Visa ending 4242. If those card details are unavailable, it names just the wallet.
• A Direct Debit reads Direct Debit ending 1234, the last four digits of the bank account, or just Direct Debit when the account digits are not known. A Direct Debit collection reads Direct Debit from the start, even before the provider has reported the account.

A payment an admin recorded as paid externally reads Paid outside Syndik8 under the date. This covers cash or a transfer made outside the app; it does not invent card or bank-account details.

When nothing is known about how a payment was made, the row shows only the date. That is the case for a waiver, a payment the provider has not described yet, and a payment made by a method the app does not name. The method can appear a moment after the payment itself, once the provider has told Syndik8; the row updates by itself.

Why each row has a sentence under it

Every payment that did not simply succeed carries a line saying what happened and whether any money moved. Two of those outcomes are easy to confuse and mean opposite things, so the wording is deliberate: only a collection your bank returned ever suggests asking your bank, because that is the only case where your bank saw anything at all.

A payment that was collected carries no sentence. There is nothing to explain, and a note under every row would make the ones worth reading harder to find.

See also

• Your balance: where you start a payment and open this history.
• Direct Debit collections: how collections are scheduled, taken, and retried after a failure.
• Transaction types: the charges and credits a settlement resolves.