Newline API Updates

What We Improved

• Authorization Status Change Notifications: MQ events are now sent when an authorization changes status. This can be added to a new
  topic "client.env.authorization" or the transaction topic.
• VRN Transaction Creation Notifications: MQ events are now sent when a VRN-related GlEvent is created in authorization_pending status
  and when the status changes to authorization_denied.
• Accurate VRN Transaction Journaling: Updated the MQ events to send a
  transaction updated event instead of created if the GlEvent
  already existed. No event is sent for custodial journaling of VRN
  transactions.
• Compliance with ACH Reversal Return Codes: Per NACHA guidelines, received ACH reversals should only be returned using
  certain ACH return codes (R01, R02, R03, R09, and R16).
• Smooth Processing of Prenote ACHs: Updated the BAI file processor to not expect the NWL_PNT field for prenote ACHs with an amount of 0.
  Ensured the process continues without creating an alertable log.

What We Fixed

• Issue with Synthetic Journaling of ACH Transfers:
  • Issue Resolved: Fixed incorrect synthetic journaling for newline-initiated
    ACH transfers and same-day returns by ensuring correct GL events are
    used without re-querying.
• Prevention of Journal Entries for Settled GL Events
  • Issue Resolved: Added model validations to prevent creation of journal
    entries for already settled GL events, ensuring accurate
    transaction processing.

Why It Matters

These updates enhance our API processes by:

• Improving Notifications: MQ events for authorization status changes and VRN transactions ensure timely and accurate client notifications.
• Ensuring Compliance: Adhering to NACHA guidelines for ACH reversals improves transaction accuracy.
• Streamlining Operations: Handling prenote ACHs without unnecessary alerts ensures smoother processing.
• Enhancing Accuracy: Fixing synthetic journaling issues and preventing erroneous journal entries ensures reliable transaction processing.

These improvements collectively enhance the reliability, compliance, and user experience of our platform.