Simply log into our web app to check the status of your loan payment.

🕐 Allow up to 3 business days (excluding weekends and French bank holidays) for funds to be received in the recipient's account.

Common Reasons

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

Find the invoice using the search bar in the top right hand corner. You can search via:

Click on See loan details
Explore the Payments and Activity tabs to find the timeline of status updates

Status	Type	Description
Proposed	Loan payment	Automatic status when loan is validated
Scheduled	Loan payment	Loan is ready awaiting the scheduled payment date
Canceled	Loan payment	The loan request was canceled
Instructed	Loan payment	Defacto requested payment from payment service partner
In transit	Loan payment	The payment is on the SEPA network and will arrive in beneficiary account within 1 to 3 business days
Paid	Loan payment	The beneficiary received the payment
Failed	Loan payment	Technical anomaly detected with payment service provider
Proposed	Repayment nominal	Defacto is awaiting loan repayment
Scheduled	Repayment nominal	(For direct debit repayment) Defacto has requested the direct debit via payment service provider

Status	Possible action	Description
Submitted		Automated status when loan requested
To validate	✅ automatic if using API	User must check and validate the loan conditions to generate a contract
Validated	✅	Loan is validated but can still be canceled
Scheduled	✅	Loan registered with Defacto awaiting the chosen pay out date; it can still be canceled at this stage
Initiated		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
To repay	✅	Loan must be repaid by borrower
To repay fees	✅	Loan is repaid and Defacto sends invoice to collect interest fees
Overdue		Loan repayment is late
Closed		Terminal status when both loan and loan fees have been repaid in full
Issue detected		An anomaly has been detected with our payment service provider
Canceled		Loan canceled by client
Declined		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