When a Transfer is created via POST /transfers, 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.
|An authorization request that was rejected due to a variety of reasons (insufficient_funds, inactive_card, etc.).|
|Debit card auth has expired.|
|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.|
|The Transaction is being processed. This state will persist until all related Transaction Events have settled or could not be completed.|
|The Transaction is being prepared as a result of a Transfer request. Transactions that originate outside of Rize (e.g., debit card transactions, RDFI ACHs, direct deposits, etc.) will not be given this status.|
|The Transaction is complete. All of the related Transaction Events are settled.|
How Rize groups transactions.
|Cash is withdrawn at an ATM using a Debit Card.|
|A purchase is made using a Debit Card.|
|A previous Debit Card Transaction is refunded.|
|Action by a publicly traded company that affects shareholders (e.g. dividend, stock split, etc.).|
|A credit to the account. Likely resulting from an Adjustment.|
|Denied card authorizations. Here is a list of the Denied Auth reasons.|
|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.|
|This Transaction originates from a Transfer to or from an external Synthetic Account.|
|A fee charged to the account. This includes ACH reversals and Debit Card ATM fees.|
|Wire transfer triggered from outside of Rize.|
|The Transaction originates from a Transfer between two Synthetic Accounts that are not of type external.|
|Miscellaneous Transactions, such as write-offs.|
|Negates all or part of a previous authorization.|
|A previous Transfer is reversed; when a Transfer is reversed, the type of the original Transaction will be external_transfer, internal_transfer, or third_party_transfer.|
|The Transaction was initiated from an external source. This will likely be an RDFI ACH, where an external source initiates a withdrawal from or deposit to the account.|