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 rejection codes code description err general error res account restriction nsf insufficient funds anf account not found cls account closed ina account inactive drm account dormant esc account in escheatment chr account in charge off status stp stop payment active flags for book transfer or transaction 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 account sources 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 activity status 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 activity types type description internal activity is between two sub accounts under the same master account external activity is between different master accounts closure reason reason returned customerinitiatednocomplaint customercomplaintaccountclosing customercomplaintaddonproducts customercomplaintapplicationprocessing customercomplaintinterestrate customercomplaintbillingdispute customercomplaintbillingstatement customercomplaintcollectionpractices customercomplaintcreditdetermination customercomplaintcreditreporting customercomplaintcustomerservice customercomplaintfraud customercomplaintfundavailability customercomplaintlatefees customercomplaintmerchantdispute customercomplaintonlineaccountmanagement customercomplaintotherfees customercomplaintbalanceissue customercomplaintpromodispute customercomplaintmarketing customercomplaintsettlementhardshipprograms bankpartnerinitiatednobalance partnerproductclosure firstpartyfraud thirdpartyfraud financialcrimenonfraud highoverdraftamount exceededtransactionlimits accountinactivitydormancyescheatment termsofservicebreach bulkclosureexcerciseother chargeoff transaction status 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 hold reasons 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 payment type 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