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	ACH / RCC	The transaction was processed and has successfully settled
Returned	ACH / RCC	The transaction was returned
Void	ACH / RCC	The transaction was voided
Held	RTP / ACH / RCC	The transaction was held
Rejected	RTP / ACH / RCC	The transaction was rejected

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 Processingstatus. 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 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 be returned as a Waiting status, in these cases it means that the transaction was not processed quickly enough to be returned back in a response and will continue to be processed on the RTP network. (This usually takes no longer than 30 seconds).