ACH host transaction statuses
​
Status
Meaning
Notes
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 transaction.
1
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 transaction
1
Returned
Transaction was returned (cancelled/voided) by the bank and/or consumer
1
  1. 1.
    Some 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
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