---
title: Request and response codes: Book transfer
slug: apis/payments/book-transfer/request-and-response-codes-book-transfer
description: Reference codes returned by Book Transfer APIs for transaction code field in the transaction endpoint and the flags field for book transfer or transaction.
docTags:
createdAt: 2024-08-08T13:29:26.904Z
---
## 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 |