Daily ACH payments

report description using the cross river operating system (cos) ach apis docid\ uv8uw2vzqx5bzghh2a5kp , an account can both originate and receive payments through an ach operator the information required for a payment varies depending on the relevant sec code and is governed by nacha operating rules and guidelines required information will also vary for domestic or international payments ach files are received daily from both cross river’s clients (originators) and the federal reserve bank (frb) the files are automatically imported into cross river's ach manager, systematically validated for correctness, and then verified for release to the frb for via a two stage process of review with authorization you can use this report to reconcile between what you requested from the cross river operating system (cos) and what cos actually processed learn more about ach docid\ urkrzf4c8hwvkesjgcat0 report in detail the table below provides information for some of the fields within your report for information on specific fields please refer to your copy of the nacha operating rules column description id the unique payment id in the cross river system assigned when the payment is sent accountnumber cos account number related to the payment referenceid unique cross river reference id for the payment the reference id always begins with the first letter of the rail for ach the reference id starts with 'a' paymenttype the type of payment, which includes origination a new payment originating from either cross river or another bank most payments are of this type return a previous origination that was returned by the receiving bank dishonoredreturn a previous return that was dishonored by the receiving bank correction (noc) a previous origination where the receiving bank accepted the original payment but notifies you of information you should correct next time you send a payment to this receiver for example, use a different account number tracenumber this corresponds to the nacha trace number field and is a unique number assigned to the transaction servicetype the type of ach service 0 (standard) payment effective the following day international payments must use this type 1 (sameday) payment effective the same day originated provided it originates before the daily cutoff time not available for certain payment scenarios status the status of the payment at the time the report was generated created payment received not yet processed this status appears briefly pending payment waiting to be batched and sent to the fed hold payment currently on hold for review by cross river operations batched payment batched before cross river sends a batch file to the fed we do a final review processing for inbound payments, cross river is trying to post the payment to the receiving account for outbound payments, the payment has been sent to the fed, but has not been posted yet an outbound standard payment may remain in this status for a day or more same day payments transition to complete soon after processing complete payment posted and accepted by the fקג (in the case of outbound payments) this is a final status canceled outbound payment canceled at the partner’s request you can only cancel a payment with a status of pending or hold this is a final status rejected cross river operations could not process the payment, so we rejected it for inbound payments, the payment request is returned to the originating bank this is a final status transactiontype the payment transaction type, which includes 0 (push) credit payment sent from an originator to a receiver 1 (pull) debit payment taken from a receiver and moved to the originator direction inbound payment received from another bank outbound payment sent to another bank source how the credit transfer payment originated api partner portal ops portal file card management cos payments seccode the standard entry class (sec) code for the payment see sec codes docid\ m8a5dbzfhh5tv1nytk9aw clientbatchid unique identifier for a batch only partners that originate client batches see a value in this column clientbatchsequence sequence number of the payment in the batch only partners that originate client batches see a value in this column amount the transaction amount in integral cents for example, $1 00 appears as 100 fedbatchid fedwire or ach batch id used for settlement tracking fedbatchsequence sequence number of the payment in the federal reserve batch the payment went out or arrived in description description added by the originator posting status of the related core transaction for the payment values include pending transaction is pending posting posted transaction has been posted to the account failed transaction posting failed canceled transaction was canceled authorized transaction is authorized but not yet posted processing transaction is currently being processed coretransactionid the payment related core transaction id productid the product identifier for the account involved in the ach payment partnerid your unique identification number as a partner in the cross river system effectivedate effective entry date in the format yymmdd addenda payment related information reasoncode code for the reason for an ach return or notification of change see request and response codes ach docid\ odtrp7arfnpqufegy4sfh reasondata supporting data for the reason code postedat date and time the transaction was posted, specifically at end of day settlement createdat d ate and time the payment was created lastmodifiedat internal cross river value date and time the database entry was last modified settlementdate corresponds to the nacha settlement date field canceledat date and time the payment was canceled rejectedat date and time the payment was rejected processedat date and time the payment was processed completedat date and time the payment was completed originatingbankroutingnumber the aba number for the bank where the transfer originated originatorname corresponds to the nacha company name field name of the originator of the ach transaction originatoraccountnumber account number where the transaction originated from originatoraccounttype type of account the transaction originated from originatordata corresponds to the nacha company discretionary data field originatoridentification corresponds to the nacha company identification field receivername corresponds to the nacha individual name field receiveraccountnumber corresponds to the nacha dfi account number field receiveraccounttype corresponds to the nacha transaction code field receiverdata corresponds to the nacha discretionary data field receiveridentification corresponds to the nacha individual identification number field receivingbankroutingnumber corresponds to the nacha receiving dfi identification field ultreceiveraccountnumber ultimate receiver account number ultreceiveraccounttype ultimate receiver account type ultreceiverdata data for the ultimate receiver ultreceiveridentification the ultimate receiver identification fcb1routingnumber foreign corresponding bank 1 routing number fcb2routingnumber foreign corresponding bank 2 routing number fcb3routingnumber foreign corresponding bank 3 routing number postingcode indicates the payment status in the cross river banking core, which may include ok posted res account restricted nsf insufficient funds in the sending account previouspaymentid payment id for the original payment related to a return or received noc previousreasoncode the reason code for the original payment related to a return or received noc previoustracenumber trace number for the original payment related to a return or received noc previoussettlementdate settlement date for the original payment related to a return or received noc previousreasondata supporting data for the reason code for the original payment related to a return or received noc originalpaymentid payment id for the original payment related to a dishonored return originalreasoncode the reason code for the original payment related to a dishonored return originaltracenumber trace number for the original payment for the original payment related to a dishonored return originalsettlementdate settlement date for the original payment related to a return that we received for dishonored returns originalreasondata supporting data for the reason code for the original payment related to a dishonored return originatorroutingnumber corresponds to the nacha originating dfi identification field receiverroutingnumber receiver’s routing number extcardtransactiontype (extended payment details) – nacha specific extreference1 (extended payment details) – nacha specific extreference2 (extended payment details) – nacha specific extterminalidentification (extended payment details) – nacha specific exttransactionserial (extended payment details) – nacha specific exttransactiondate (extended payment details) – nacha specific extauthcode (extended payment details) – nacha specific extterminallocation (extended payment details) – nacha specific extterminalcity (extended payment details) – nacha specific extterminalstate (extended payment details) – nacha specific fields beginning with iat only apply to international ach transactions iattransactiontypecode code for the transaction type of the international transaction iatoriginatoraddress street address of the originator of the international transaction iatoriginatorcity the city of the originator of the international transaction iatoriginatorstate the state of the originator of the international transaction iatoriginatorpostalcode the zip or postal code of the originator of the international transaction iatoriginatorcountrycode the country code of the originator of the international transaction iatreceiveraddress the street address of the receiver of the international transaction iatreceivercity the city of the receiver of the international transaction iatreceiverstate the state of the receiver of the international transaction iatreceiverpostalcode the zip or postal code of the receiver of the international transaction iatreceivercountrycode the country code of the receiver of the international transaction iatoriginatingbankname the name of the bank where the transaction originated iatoriginatingbankidqualifier the id qualifier corresponds to the originating bank identification iatoriginatingbankidentification the identifier of the bank originating the international transaction iatoriginatingbankcountrycode the country code of the bank where the international transaction originated iatreceivingbankname the name of the bank where the international transaction was received iatreceivingbankidqualifier the id qualifier corresponding to the receiving bank identification iatreceivingbankidentification the identifier of the bank receiving the international transaction iatreceivingbankcountrycode the country code of the bank receiving the international transaction iatultreceivername the ultimate receiver’s name iatultreceiveraddress the ultimate receiver’s street address iatultreceivercity the ultimate receiver’s city iatultreceiverstate the ultimate receiver’s state iatultreceiverpostalcode the ultimate receiver’s zip or postal code iatultreceivercountrycode the ultimate receiver’s country code iatfcb1name the name of the first foreign correspondent bank iatfcb1idqualifier the id qualifier for the first foreign correspondent bank iatfcb1identification the first foreign correspondent bank’s identification iatfcb1countrycode the first foreign correspondent bank’s country code iatfcb2name the name of the second foreign correspondent bank iatfcb2idqualifier the id qualifier for the second foreign correspondent bank iatfcb2identification the second foreign correspondent bank’s identification iatfcb2countrycode the second foreign correspondent bank’s country code iatfcb3name the name of the third foreign correspondent bank iatfcb3idqualifier the id qualifier for the third foreign correspondent bank iatfcb3identification the third foreign correspondent bank’s identification iatfcb3countrycode the third foreign correspondent bank’s country code extpaymenttype (extended payment details) – nacha specific insertedat internal to cross river extprocesscontrol (extended payment details) – nacha specific extresearchnumber (extended payment details) – nacha specific purpose internal reason for the payment this is an internal field and is not included in the payment message extcheckserialnumber (extended payment details) – nacha specific extitemtype (extended payment details) – nacha specific extcardaccountnumber (extended payment details) – nacha specific extcardexpdate (extended payment details) – nacha specific extdocreferencenumber (extended payment details) – nacha specific extnetworkidentification (extended payment details) – nacha specific exttransactiontime (extended payment details) – nacha specific exttransactiondesc (extended payment details) – nacha specific memopostid unique id for a memo post transaction wasreturned true if the payment was returned otherwise, false wascorrected true if the payment was corrected otherwise, false holddays for outbound pull payments only the number of days a credit was withheld (where applicable)