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Below is the complete state transition diagram and detailed explanations.

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State Transition Diagram

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Card Order States

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Core States

PENDINGTRANSACTION - Initial State
  • Description: Order created, awaiting payment or confirmation
  • Next States: READY, TRANSACTIONCOMPLETE, CANCELLED, FAILEDTRANSACTION
  • User Actions: Attach transaction, confirm payment, cancel order
TRANSACTIONCOMPLETE - Payment Processed
  • Description: Payment transaction completed but requires additional verification
  • Next States: CONFIRMATIONREQUIRED
  • System Actions: Automatic transition when additional verification needed
CONFIRMATIONREQUIRED - Verification Needed
  • Description: Additional user verification required (SOF, phone, address)
  • Next States: READY
  • Requirements: Phone verified, SOF completed, address provided
READY - Ready for Card Creation
  • Description: All requirements met, ready to create physical/virtual card
  • Next States: CARDCREATED
  • User Actions: Create card with PIN (physical) or without PIN (virtual)

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Terminal States

CARDCREATED - Success
  • Description: Card successfully created and ready for use
  • Next States: None (terminal state)
  • Note: Virtual cards are immediately active; physical cards need activation
CANCELLED - Cancelled
  • Description: Order cancelled by user or system
  • Next States: None (terminal state)
  • Note: Only possible from PENDINGTRANSACTION state
FAILEDTRANSACTION - Payment Failed
  • Description: Payment processing failed
  • Next States: None (terminal state)
  • Note: User needs to create a new order

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Transition Rules

1

Pay Transition

PENDINGTRANSACTION → READY:
  • Free card: totalAmountEUR === totalDiscountEUR
  • Paid card: Valid EURe payment to correct address
  • Transaction hash validation (if required)
2

Request Confirmation

TRANSACTIONCOMPLETE → CONFIRMATIONREQUIRED:
  • Triggered when additional user verification is needed
  • System determines extra checks required
3

Confirm Ready

CONFIRMATIONREQUIRED → READY:
  • User phone verified
  • Source of Funds (SOF) completed
  • Valid shipping address (for physical cards)
4

Create Card

READY → CARDCREATED:
  • KYC approved
  • Risk score: Green or Orange
  • For physical cards: Encrypted PIN required
  • For virtual cards: No PIN needed
5

Cancel

PENDINGTRANSACTION → CANCELLED:
  • Only from PENDINGTRANSACTION state
  • User-initiated or admin-initiated

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Error Handling

When implementing card order, consider these scenarios: Invalid Transitions Will throw TransitionError
  • Trying to cancel from READY state
  • Attempting to create card from PENDINGTRANSACTION
  • Any transition not defined in the state machine
Common Error Scenarios
  • Payment Issues: Transaction hash already used, insufficient payment
  • User Requirements: Missing KYC, unverified phone, missing address
  • System Issues: Payment processor errors, card creation failures

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Implementation Example

// Check current order state before taking action
const handleOrderAction = async (order, action) => {
  switch (order.status) {
    case 'PENDINGTRANSACTION':
      if (action === 'pay') {
        await confirmPayment(order.id);
      } else if (action === 'cancel') {
        await cancelOrder(order.id);
      }
      break;

    case 'READY':
      if (action === 'createCard') {
        await createCard(order.id, { setPin: !order.virtual });
      }
      break;

    case 'CARDCREATED':
      // Order complete - handle card activation if needed
      break;

    default:
      throw new Error(`Cannot perform ${action} on order with status ${order.status}`);
  }
};

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Cancellable States

Orders can only be cancelled from specific states. Use the CANCELLABLE_ORDER_STATUSES constant: 
const CANCELLABLE_ORDER_STATUSES = [
  'PENDINGTRANSACTION',
  'TRANSACTIONCOMPLETE',
  'CONFIRMATIONREQUIRED',
  'FAILEDTRANSACTION'
];
State Validation: Always validate the current order state before attempting transitions. Invalid transitions will throw a TransitionError and return HTTP 422 status code.
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