How a Payment Moves Through TurnStay

Knowing what happens to a payment after your guest hits confirm gives you the visibility to reconcile your accounts confidently, respond to guest queries quickly, and keep your operations running without friction. Here’s exactly what happens, and when.

The payment lifecycle

Authorisation - the funds are reserved

The moment your guest completes checkout, TurnStay creates a payment and sends an authorisation request to their card network. If approved, the funds are ring-fenced on the guest’s account - they can’t spend them elsewhere, and you have a payment guarantee.

You’ll see this reflected in your Dashboard as a Confirmed payment. No money has moved yet, but the intent is locked.
Processing - the transaction completes

Once authorisation is verified, TurnStay processes the transaction. For cross-currency payments, the FX conversion happens at this stage - the rate locked in at authorisation is applied, and the payment moves to Processed status.

Processed payments are queued for your next settlement run.
Settlement - funds reach your account

Processed payments are batched and settled to your nominated bank account on your configured settlement schedule. Your Dashboard shows a full settlement breakdown including transaction-level detail and any applicable fees.
Post-settlement outcomes (if applicable)

Most payments end at settlement. Two further outcomes are possible depending on what happens after:

Refund

You or your team initiate a refund through the Dashboard or API. The amount is returned to the guest’s original payment method. Refund timelines vary by card network, but typically appear within a few business days.

Dispute / Chargeback

Your guest raises a dispute with their bank. TurnStay notifies you immediately and opens a response window so you can submit evidence. See the Disputes & Chargebacks section for a full guide.

Payment statuses at a glance

Status	What it means	Action required?
Confirmed	Authorised and ring-fenced. Awaiting processing.	None - TurnStay handles this automatically
Processed	Transaction complete. Funds queued for settlement.	None - funds will arrive per your schedule
Refunded	A full or partial refund has been issued to the guest.	None - refund is in flight
Disputed	A chargeback has been raised by the guest’s bank.	Yes - submit evidence via the Dashboard

Tracking payments in real time

Every transaction is visible the moment it’s created in the TurnStay Dashboard under Payments → Transactions. You can:

Filter by date range, status, currency, or amount
View the full detail of any individual payment - including FX rate applied, fees, and settlement batch
Export any filtered view to CSV for reconciliation with your accounting system