Simply log into our web app to check the status of your loan payment.
If you notice that you have not received the funds, here are the most common reasons:
There may be a delay in loan validation due to random checks of one business day, thank you for your patience.
Bank transfer times on the SEPA network are 2 working days (excluding weekends and French public holidays), please be aware that this time cannot be reduced.
In the case of a supplier payment, you may have sent the funds directly to the supplier; remember to check the IBAN of the beneficiary.
Still nothing after 3 working days? Please contact us via chat.
Checking payment statuses
1/ Search invoice
Find the invoice using the search bar in the top right hand corner. You can search via:
Company name of the buyer or seller on the invoice
2/ Check loan details
See loan details
Activitytabs to find the timeline of status updates
3/ Review loan payment status
Automatic status when loan is validated
Loan is ready awaiting the scheduled payment date
The loan request was canceled
Defacto requested payment from payment service partner
The payment is on the SEPA network and will arrive in beneficiary account within 1 to 3 business days
The beneficiary received the payment
Technical anomaly detected with payment service provider
Defacto is awaiting loan repayment
(For direct debit repayment) Defacto has requested the direct debit via payment service provider
Automated status when loan requested
automatic if using API
User must check and validate the loan conditions to generate a contract
Loan is validated but can still be canceled
Loan registered with Defacto awaiting the chosen pay out date; it can still be canceled at this stage
Defacto requests pay out from payment service provider on the SEPA network; the loan can no longer be canceled and will arrive within 1 to 3 business days
Loan must be repaid by borrower
To repay fees
Loan is repaid and Defacto sends invoice to collect interest fees
Loan repayment is late
Terminal status when both loan and loan fees have been repaid in full
An anomaly has been detected with our payment service provider
Loan canceled by client
Defacto declined the loan because 1) the credit line is insufficient or 2) the account has been suspended.
For invoice statuses, please see this article