The Transaction is being prepared as a result of a Transfer request. Transactions that originate outside of Newline (e.g., debit card transactions, RDFI ACHs, direct deposits, etc.) will not be given this status.
pending
The Transaction is being processed. This state will persist until all related Transaction Events have settled or could not be completed.
canceled
The Transaction is canceled as a result of the Transfer being canceled. Transfers (and subsequent Transactions) can only be canceled if the aforementioned Transfer is in the queued or pending state. A pending state cancellation is not guaranteed as this state also includes payment execution. At that stage, a cancel request will result in an error.
denied
An authorization request that was rejected due to a variety of reasons (insufficient_funds, inactive_card, etc.).
failed
The Transaction has failed. This state indicates that one of the related Transaction Events could not be settled. A failed Transaction may require the reversal of a related Synthetic Line Item and/or Custodial Line Item.
settled
The Transaction is complete. All of the related Transaction Events are settled.
expired
Debit card auth has expired.
NoteWhen a Transfer is created through Newline, an associated Transaction is created with queued status. If it involves at least one custodial transfer, once the custodial transfer is initiated, the status will transition to pending. Once a Transaction is settled, whether it has asset movement in custodial level, or is synthetic-only, or is RDFI (no Transfer associated), it will have a settled status.
Transaction Types
Type
Description
ach
ACH transfer crediting or debiting a Customer's Synthetic Account.
ach_return
A previous ACH Transfer is returned. ACH Return Transactions are new Transaction records, independent of the original ACH Transfer. The original ACH Transfer that relates to the ACH Return can be determined using the Transfer UID populated on the ACH Return.
atm_withdrawal
Cash is withdrawn at an ATM using a Debit Card.
book_transfer
A Book Transfer crediting or debiting a Customer's Synthetic Account. Book Transfers can only occur between two general Synthetic Accounts and said accounts are under the same Customer.
card_purchase
A purchase is made using a Debit Card.
card_refund
A previous Debit Card Transaction is refunded.
corporate_action
Action by a publicly traded company that affects shareholders (e.g. dividend, stock split, etc.).
credit
A credit to the account.
denied_authorization
Denied card authorizations. Here is a list of the Denied Auth reasons.
dispute
If a Customer claims that a Transaction was created in error, one or more Transactions will be created with this type to credit or debit based on the dispute outcome.
fee
A fee charged to the account. This includes ACH reversals and Debit Card ATM fees.
instant_payment
An Instant Payment crediting or debiting a Customer's Synthetic Account.
other
Miscellaneous Transactions, such as write-offs.
prenote
A non-monetary process for testing the accuracy of the information associated with a new transaction, specifically for ach transfers.
reversal
Negates all or part of a previous authorization.
set_account_balance
The transaction used to set a Synthetic Account balance. Only present if the underlying Custodial Account is funded before the Synthetic Account is created.
wire
Wire transfer crediting or debiting a Customer's Synthetic Account.
