An outline of the various statuses on transactions
| Status | Method | Description |
|---|---|---|
| Waiting | RTP | We are waiting for a response on the RTP network for the transaction |
| Failed | RTP | The transaction has failed on the RTP network |
| Completed | RTP | The transaction was successful on the RTP network |
| Printed | RCC | The transaction has been successfully printed by the processor |
| Created | ACH / RCC | The transaction has been created and is awaiting batching |
| Processing | ACH / RCC | The transaction has been batched and is processing |
| Settled | RTP / ACH / RCC | The transaction was processed and has successfully settled |
| Returned | ACH / RCC | The transaction was returned |
| Late Returning | ACH / RCC | The transaction was returned after settling and is awaiting the Late Return Settlement window |
| Void | RTP / ACH / RCC | The transaction was voided |
| Held | RTP / ACH / RCC | The transaction was held |
| Rejected | RTP / ACH / RCC | The transaction was rejected |
| Authorized | CRD | The card transaction has been authorized but not yet captured |
| Captured | CRD | The card transaction has been authorized and captured |
| Declined | CRD | The card transaction was declined by the processor |
Transaction Flows
Here are high-level overviews of the lifecycle of transactions for the various transaction methods. You will notice that regardless of payment method, there is a process of validation and limit checks prior to the transaction being successfully created. If a transaction is out of the bounds of limitations, then it will receive a Held status. Additionally, the transactions will be run against specific filters and validation checks and may be rejected or changed. Examples of this includes rejection due to pre-set reject filters configured, or changed in the case that a NOC has been received for details identical to the submitted transaction.
ACH
An ACH transaction, upon successful submission, will be created with the status Created. When the next applicable batch period occurs, the transaction will be processed and enter a Processing status. After processing, if the transaction is returned it will enter a final status of Returned. If it processes and does not return, then at the end of the settlement period the transaction enters a final status of Settled.
RCC
An RCC transaction, upon successful submission, will be created with the status Created. When the processor prints the transaction as a physical check, the transaction will receive a Printed status. Shortly afterwards, when the transaction is processed it will receive a Processing status. After processing, if the transaction is returned it will enter a final state of Returned. If it processes and does not return, then at the end of the settlement period the transaction enters a final status of Settled.
RTP
An RTP transaction, upon successful submission, will be immediately created in a Waiting status, processed, and returned back with either a Failed or Completed state indicating whether the funds were successfully credited or not. In very rare cases, the transaction can remain as a Waiting status. In these cases, it means that the transaction was not processed quickly enough to be returned back in a response, but it will continue to be processed on the RTP network.
CRD
A CRD (card) transaction submitted with crdAction: auth_capture is authorized and captured in a single request, receiving a Captured status and settling with the next batch. A transaction submitted with crdAction: auth_only receives an Authorized status; the authorization expires after 7 days if not captured. If the processor declines the card, the transaction receives a Declined status.