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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_PLUS transactions.

INSTANT_DEPOSIT can be used to link an INSTANT_FUNDING transactions.

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Instant Funding Partial Authorization

Visa allows for an Instant Funding transaction to authorized for a lesser amount if the user has funds available. Transactions that qualify for partial authorization will include the funding_options_response object in the transaction response, shown below. The amount in the Transaction response is the authorized transaction amount. If the authorized amount is not desired by the end-user, a transaction reversal request can be issued via API (Update Transaction).

This feature is enabled by client configuration. Additionally we can configure a minimum amount to authorize. If the amount authorized is below the minimum, we will issue a reversal and fail the transaction with the error code ERR_PARTIAL_AUTH_BELOW_THRESHOLD .

JSON

"funding_options_response": {
    "partial_auth_result": {
      "amount_requested": 10,
      "amount_approved": 8,
      "amount_threshold": 5
    }
}