Request and response codes: Book transfer

Transaction codes

These are the valid values for the transaction code field in the transaction endpoint.

Code
Incoming ACH
Incoming ACH Return
Incoming ACH NOC
Incoming ACH On-Us
Outgoing ACH
Outgoing ACH Return
Outgoing ACH NOC
Account Transfer
Fee
Fee Refund
Deposit
Withdrawal
Interest
Interest Reversal
Misc Credit
Misc Debit
Incoming Wire
Outgoing Wire
Check
Cash
Reversal
Adjustment
Sale
Card Auth
Payment
Refund
ATM Transaction
RTP Debit
RTP Credit
xPay Debit
xPay Credit
Withholding
Sweep Interest
Chargeback
Bonus
Reward
Card Pull
Card Push
Card Settlement
Crypto Purchase
Crypto Sale
Crypto Outgoing
Crypto Incoming
Crypto Transfer
Crypto Return
INTL (International) Outgoing
INTL (International) Return
Interchange

These are the valid values for the flags field in the transaction endpointץ

Code	Flag Description
FRC	Force Post. This flag must be used with any of the override flags, such as ‘Override Restrictions’.
NSF	Override Sufficient Funds. Overrides posting when the debit account does not have sufficient funds.
RES	Override Restrictions. Overrides posting when the debit or credit account has an active restriction.
STP	Override Stop Payments. Overrides posting when the amount of the transaction matches an active stop payment.
STS	Override Account Status. Overrides posting when the account status is not ‘Active’.
RGD	Override RegD Policy. Overrides posting on a DDA where Reg D restrictions are enabled and the Reg D transaction limit has been exceeded.

Source	Description
Transaction	Activity from transactions will first soft post, remaining as status pending for the day, and later hard post during the nightly settlement process. Once hard posted a sequence number and running balance are assigned.
MemoPosts	Activity from memo posts are a temporary debit or credit on the account. Commonly they will be removed and then posted as a transaction.

Status	Description
Pending	Memo posts will remain pending until they are removed (commonly a day or more). Transactions will always start as status pending when they first soft post.
Posted	Transactions will always transition to status posted during the nightly settlement process for the account. Once hard posted, a sequence number and running balance are inserted.
Removed	Only memo posts can be removed

Type	Description
Internal	Activity is between two sub accounts under the same master account
External	Activity is between different master accounts

Status	Description
Pending	Accepted, but not yet processed
Complete	Processed successfully. Money has been moved between the two accounts
Rejected	Processing failed due to one or both sides of the transaction being rejected. See rejection codes for details.
Review	Transaction waiting for approval from Ops team before it can be processed.
Declined	After review by Ops team the transaction was declined to be processed
Canceled	While a transaction is pending it may be canceled.

Reason	Description
Availability	Relates to the availability of funds for check deposits and ACH payments
Management	Bank management has placed a hold
Collateral
Safeguard
CardAuth	Debit card authorization
Other

Type	Description
ACH	ACH Network
Wires	Wire Network
CreditCard	Credit Card
DebitCard	Debit Card
StoredValue	Stored value card network (e.g. gift cards)
ICL	Image Cash Letter (i.e. checks)
XPay	XPay rail which enables instant transfers between COS accounts
Internal	Internal book transfer