In the case of mishaps in redirection to merchant there are basically two options:

1. Merchant uses transaction status inquiry.
If the merchant does not receive info of a successful payment, a message can be created to inquire what the payment status is.

2. Merchant polls account for payments info
Customers can send an inquiry also to see if there are any incoming payments to their account.

Settlement
There are no separate procedures in making the payment. The customer pays, her account is debited and merchant's is credited, after which the merchant is expected to deliver according to consumer rights. In the case there are many complaints regarding a particular merchant, the bank can reconsider its business with the merchant in question.