Visit the About Transactions to learn more about Transaction methods, types, and requests parameters.

Response Codes
102 - Idempotent matched request currently processing
201 - Created, will include a Location response header
200 - Request Succeeded, but entity not created
400 - Bad Request, missing or invalid parameters
409 - Idempotent matched request already processed
422 - Request not process due to business constraints

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ACH & RTP Transaction Requests
The initial status from the ACH & RTP transaction request will be PROCESSING.

ACH

The initial PROCESSING status depends on the banking partner processing the ACH funds movement. Our team will discuss the status differences during the integration/onboarding process.

ACH transactions can be processed "same day" (business day) or the "standard" 3-5 days. The PAID or FAILED status update will trigger a webhook once the final status is known.

RTP

The roundtrip RTP request could take up to 30 seconds. A webhook will be sent when a definitive status is known.

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Card Transaction Requests - Instant Deposit and Instant Funding
Visa and Mastercard networks handle requests with expired cards differently.

Visa will accept an expiration date in the past and attempt to process the transaction through the issuing bank. The bank will determine whether or not to honor the transaction. A Visa decline may result in action code 54.

Mastercard will reject the transaction request. For this reason, we will validate the card expiration date before processing through Mastercard. If the card is expired, a 422 status code with ERR_CARD_ACCOUNT_EXPIRED will be returned in the API response.

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Transaction ID with Error Response
The transaction_id parameter will not always be present in the error response body. Under certain 400 and 422 scenarios, the response is returned before processing of the transaction occurs.

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ACH and AFT Refunds
Transactions can be logically linked by supplying the originating_transaction_id for the CREDIT (payout) transaction. Including the originating_transaction_id will add additional validation checks:

Does the originating_transaction_id exist?

Is the amount equal or less than the original transaction?

After processing the refund-oriented transaction, the original transaction status will update to REFUNDED or REFUND_PARTIAL.
ACH_REFUND is its own distinct method to link ACH_FUNDING transactions.
INSTANT_DEPOSIT can be used to link an INSTANT_FUNDING transaction.