At what point is my payment considered complete?

For card payments, a payment is considered successful if the result of the request is SentForSettle or SettleScheduled. 

Some payment methods (such as SEPA Direct Debit) do not guarantee any assurance of funds in the SentForSettle state. The funds are not guaranteed until the transaction is settled.

For more information on the different stages of a payment, see the Payments Lifecycle. 

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