About Transactions

Transaction Statuses

• APPROVAL_REQUIRED - Approval required by Payer, based on Payer configuration
• CANCELLED - Cancelled/voided
• FAILED - Failed due to decline or account error
• PAID - Transaction was successfully processed
• PENDING_KYC - Transaction under review by compliance team
• PROCESSING - Transaction is in process and waiting confirmation on completion or failure
• RETRY - Transaction will be re-attempted based on scheduled process or manually through support channels
• REFUNDED - Transaction has been refunded based on refunds against the originating transaction
• REFUNDED_PARTIAL - Transaction has been partially refunded based on refunds against the originating transaction
• REVERSED - Transaction reversed
• REVERSAL_PENDING - Transaction reversal requested and under review
• UNKNOWN - Transaction processed but final status is unknown, based on Payer configuration for UNKNOWN response, otherwise will be considered PAID until final status is determined. Only applicable to INSTANT_DEPOSIT

Transaction Types

Transaction Type indicates the direction of funds. CREDIT indicates you are sending funds to a Recipient. DEBIT indicates you are accepting funds from a Recipient.

Transaction Methods

Transaction Method indicates how to disperse or accept funds. Transaction Type indicates the direction of funds, either CREDIT or DEBIT the user (recipient).

Portal and Reporting may show a more detailed description of PREPAID based on the account type they are funding.

Transaction Request Schemas

The following parameters are applicable for every Transaction method. A subset of Transaction methods have optional request parameters identified in their respective areas below.

ECheck

ACH Funding / ACH Funding Plus

ACH Funding / ACH Funding Plus allows for a funding_options request object with risk-associated parameters.

ACH Refund

ACH Refund request requires the originating Transaction ID to match against the original transaction.

Transaction Webhooks

Webhooks are essential to knowing the latest status of a transaction. A Transaction webhook will be sent with the initial Transaction request and all subsequent status updates. Review the Webhooks documentation page for samples and further details.

Transaction Error Codes

A comprehensive list of error codes and descriptions can be found at API Error Codes. 4xx responses follow a consistent format shown below. Under certain conditions the error response will contain a transaction_id and/or additional risk metrics associated with the transaction.

{
    "http_status": 4xx,
    "error_code": "{error code}",
    "error_message": "{error description}"
}

ACH Funding Error Codes

Specific to ACH Funding, there are additional error codes as a result of pre-transaction checks for velocity, bank balance lookup, and risk score evaluation. Risk-related error codes will include a funding_options_response object with configured threshold values and actual values.

ACH Refund Error Codes