ACH host transaction statuses

Status	Meaning
Incomplete	Transaction was saved in the database, but remains in an incomplete state. Transactions should only remain in this status for 1 second.
Unverified	Consumer verification pending.
Verifying	Consumer verification is being performed
Declined	Consumer verification was negative for this transaction
Accepted	Transaction was accepted by Check Commerce and awaits Origination
Cancelled	Merchant opted to cancel this transaction1.
B.O.Processing	Transaction is being prepared for Origination by the Back-Office.
B.O.Exception	Transaction was declined by Back-Office validation.
Originated	Transaction was sent to the bank.
Funded	Merchant has been paid for this transaction
Refunded	Merchant opted to issue a refund for this transaction1
Returned	Transaction was returned (cancelled/voided) by the bank and/or consumer1

¹Some statuses are appended onto other statuses. For example: "Accepted, Cancelled" or "Originated, Returned".

The following strings are possible:

• Incomplete

• Unverified

• Verifying

• Declined

• Accepted

• Accepted, Cancelled

• B.O.Processing

• B.O.Exception

• Originated

• Originated, Refunded

• Originated, Returned

• Originated, Refunded, Returned

• Funded

• Funded, Refunded

• Funded, Returned

• Funded, Refunded, Returned