Transaction Types

Helix creates transactions of several different types. Each has a specific meaning and implications to funds availability, settlement time, etc. Types are denoted by a set of two tuples. A tuple can denote a source (or destination), an action, or a behavior. Actions are always in relation to the Customer Account. So a DEP tuple represents the action of depositing into a Customer Account.

For example, a RSVDEP is a deposit into a Customer Account from a Program Reserve Account.

Naming Conventions

Debit Card Specific

Tuple

Meaning

Starts with ATH

A debit card based authorization transaction

Starts with CRD

A debit card based transaction

Starts with REV

A debit card based reversal transaction

ACH Specific

Tuple

Meaning

Contains UNK

Affects an "Unknown" External Account, typically means an ACH transaction with
Helix acting as the RDFI (Receiving Depository Financial Institution), was
received from the ACH network as the source account is not provided.

Starts with RTN

A return of a previous ACH transaction against a Customer Account

Customer Accounts

Tuple

Meaning

Starts with CP

Transaction Originated from Helix, typically from processing an API request
or Bulk Transfer Import file

Ends with DEP

A deposit to a Customer Account

Ends with WTH

A withdrawal from a Customer Account

Ends with XFR

A transfer from one Customer Account to another owned by that same Customer

Program Accounts

Tuple

Meaning

Contains BNK

Affects a Bank Income Account

Contains CSH

Affects the Petty Cash Account

Contains INT

Affects an Interest Accrual or Interest Expense Account

Contains MSC

Affects a Miscellaneous Account

Contains PCL

Affects a Program Clearing Account

Contains PXT

Affects a Program External Account

Contains RCL

Affects a Return Clearing Account

Contains RTL

Affects a Retail Clearing Account

Contains RET

Affects a Return Clearing Account

Contains RSV

Affects a Program Reserve Account

Contains STL

Affects a Card Settlement Account

Contains VER

Affects a Verification Funds Account

Real Time Payment Specific

Tuple

Meaning

ATHRTW

RTP Withdrawal Authorization

RTPWTH

RTP Withdrawal

RTPWRV

RTP Withdrawal Reversal

Timeline Guide

Each type of transaction can have its own settlement timeline. However, these are the general groupings:

  • ACH Transactions - If Helix is the ODFI (Originating Depository Financial Institution) for the transaction, it will settle in 2 business days for all ACH transactions unless same-day settlement is specified in the request to /transfer/create. There is an additional fee per transaction but it will settle the same day if it is received by the bank-defined cutoff time.
  • Internal Transfers - Always settle instantly, whether moving funds from a Customer Account or one of the various Program Accounts.
  • Debit Card Authorizations - Typically a settlement date a day or two in the future is specified in the ISO message by the network provider. If none is provided, an industry-standard default of 72 hours is assumed.
  • Debit Card Transactions - Typically settles instantly, unless a settlement date is specified in the ISO message by the network provider.
  • Debit Card Reversals - Always settles instantly.

Type Detail

Code

Description

Possible Source(s)

Debits

Credits

Settlement

Note

ATH3PF

Card 3rd Party Payment From Authorization

ISO-8583 interface (debit card use)

Temporarily holds funds on a Helix account

N/A

Depends on message received; default is 72 hours

ATH3PT

Card 3rd Party Payment To Authorization

ISO-8583 interface (debit card use)

N/A

Temporarily credits funds to a Helix account

Depends on message received; default is 72 hours

ATHAFD

Card Automated Fuel Dispenser Authorization

ISO-8583 interface (debit card use)

Temporarily holds funds on a Helix account

N/A

Depends on message received; default is 72 hours

ATHBCK

Card Cashback From Deposit Authorization

ISO-8583 interface (debit card use)

Temporarily holds funds on a Helix account

N/A

Depends on message received; default is 72 hours

ATHBLP

Card Billpay Authorization

ISO-8583 interface (debit card use)

Temporarily holds funds on a Helix account

N/A

Depends on message received; default is 72 hours

ATHCDT

Card Credit Adjustment Authorization

ISO-8583 interface (debit card use))

deprecated

ATHCFD

Card Consumer Funds Disbursement Authorization

ISO-8583 interface (debit card use)

N/A

Temporarily credits funds to a Helix account

Depends on message received; default is 72 hours

ATHCKD

Card Check Deposit Authorization

ISO-8583 interface (debit card use)

N/A

Temporarily credits funds to a Helix account

Depends on message received; default is 72 hours

ATHCSD

Card Cash Deposit Authorization

ISO-8583 interface (debit card use)

N/A

Temporarily credits funds to a Helix account

Depends on message received; default is 72 hours

ATHCSH

Card Cash Withdrawal Authorization

ISO-8583 interface (debit card use)

Temporarily holds funds on a Helix account

N/A

Depends on message received; default is 72 hours

Transaction no longer appears after hold is released (i.e. after this authorization transaction settles)

ATHDBT

Card Debit Adjustment Authorization

ISO-8583 interface (debit card use)

Temporarily holds funds on a Helix account

N/A

Depends on message received; default is 72 hours

Transaction no longer appears after hold is released (i.e. after this authorization transaction settles)

ATHDEP

Card Deposit Authorization

ISO-8583 interface (debit card use)

deprecated

ATHFEE

Card Fee Collection Deposit Authorization

ISO-8583 interface (debit card use)

Temporarily holds funds on a Helix account

N/A

Depends on message received; default is 72 hours

ATHFTC

Card Funds Transfer Credit Authorization

ISO-8583 interface (debit card use)

deprecated

ATHFTD

Peer-to-Peer Funds Transfer Debit Authorization

ISO-8583 interface (debit card use)

Temporarily holds funds on a Helix account

N/A

Depends on message received; default is 72 hours

Transaction no longer appears after hold is released (i.e. after this authorization transaction settles)

ATHMTF

Card Money Transfer From Authorization

ISO-8583 interface (debit card use)

Temporarily holds funds on a Helix account

N/A

Depends on message received; default is 72 hours

ATHMTT

Card Money Transfer To Authorization

ISO-8583 interface (debit card use)

N/A

Temporarily credits funds to a Helix account

Depends on message received; default is 72 hours

ATHPCH

Card Purchase Authorization

ISO-8583 interface (debit card use)

Temporarily holds funds on a Helix account

N/A

Depends on message received; default is 72 hours

Transaction no longer appears after hold is released (i.e. after this authorization transaction settles)

ATHPEN

Card Payment Enclosed Authorization

ISO-8583 interface (debit card use)

Temporarily holds funds on a Helix account

N/A

Depends on message received; default is 72 hours

ATHPOB

Card Point Of Business Deposit Authorization

ISO-8583 interface (debit card use)

deprecated

ATHQUA

Card Quasi-Cash or Scrip Authorization

ISO-8583 interface (debit card use)

Temporarily holds funds on a Helix account

N/A

Depends on message received; default is 72 hours

ATHRTN

Card Merchandise Return Authorization

ISO-8583 interface (debit card use)

deprecated>

ATHTRV

Card Travelers Check Authorization

ISO-8583 interface (debit card use)

Temporarily holds funds on a Helix account

N/A

Depends on message received; default is 72 hours

ATHXFR

Card Transfer Funds Authorization

ISO-8583 interface (debit card use)

deprecated

ATHXPY

Card Transfer Payment Authorization

ISO-8583 interface (debit card use)

Temporarily holds funds on a Helix account

N/A

Depends on message received; default is 72 hours

BACKWH

Backup Withholding

Interest Processing

Customer Account

Backup Withholding Account

Instant

Applicable only on interest-bearing accounts whose customer has isSubjectToBackupWithholding set to true

BCKADJ

Backup Withholding Adjustment

Interest Processing or Admin Console

Backup Withholding Account

Customer Account

Instant

Used only in a very rare circumstance when funds must be moved back into a Customer Account from Backup Withholding. Applicable only on interest-bearing accounts whose customer has isSubjectToBackupWithholding set to true

BNKDEP

Bank Income to Internal

Helix API or Admin Console

Bank Income Account

Customer Account

Instant

Typically related to fees gathered by the financial institution

BNKWTH

Internal to BankIncome

Helix API or Admin Console

Customer Account

Bank Income Account

Instant

Typically related to fees gathered by the financial institution

BVRDEP

Verification Deposit

Helix API or Admin Console

Business account at another financial institution

Verification Funds Account

ACH (1-2 business days)

Deposit of verification funds to the Verification Funds account from an external business checking or business savings account. (aka micro-transactions for verifying an external account). This is an ACH transaction that "pulled" funds in from the ACH network.

BVRWTH

Verification Withdrawal

Helix API or Admin Console

Verification Funds Account

Business account at another financial institution

ACH (1-2 business days)

Withdrawal of verification funds from the Verification Funds account out to an external business checking or business savings account. (aka micro-transactions for verifying an external account). This is an ACH transaction that "pushed" funds out to the ACH network.

CHKATH

Check Deposit Authorization

Mobile Remote Check Deposit

N/A

Temporarily credits funds to a Helix account

Depends on bank approval process

Check Deposit made via MRDC, pending bank approval in ensenta EZ Admin

CHKDDN

Check Deposit Adjusted Down

Ensenta EZ Admin

Account at another financial institution

Helix Account

Next business day (unless a hold is placed on the check)

Manual adjustment by bank in the Ensenta EZ Admin to a MRDC transaction due to the amount entered by the customer or read by the system being greater than the amount of the check

CHKDEP

Check Deposit No Adjustment

Mobile Remote Check Deposit

Account at another financial institution

Helix Account

Next business day (unless a hold is placed on the check)

CHKDUP

Check Deposit Adjusted Up

Ensenta EZ Admin

Account at another financial institution

Helix Account

Next business day (unless a hold is placed on the check)

Manual adjustment by bank in the Ensenta EZ Admin to a MRDC transaction due to the amount entered by the customer or system being less than the amount of the check.

CHKRDN

Check Deposit Reversal Adjusted Down

Ensenta EZ Admin

Helix Account

Account at another financial institution

Instant

Reversal of an MRDC transaction (before the cut-off time) that had been approved by the Bank of Record and the amount adjusted down

CHKRET

Check Return

X.937 Return File, Federal Reserve

Helix Account

Account at another financial institution

Instant

The return of a previously deposited MRDC transaction by another financial institution.

CHKREV

Check Deposit Reversal No Adjustment

Ensenta EZ Admin

Helix Account

Account at another financial institution

Instant

Reversal of an MRDC transaction (before the cut-off time) that had been previously approved by the Bank of Record

CHKRUP

Check Deposit Reversal Adjusted Up

Ensenta EZ Admin

Helix Account

Account at another financial institution

Next business day (unless a hold is placed on the check)

Reversal of a MRDC transaction (before the file cut-off time) that had been approved by the Bank of Record and the amount adjusted up

CHKWAT

Check Withdrawal Authorization

Check written from Helix account

Temporarily holds funds on a Helix account

N/A

Varies

A check written from a Helix account has been presented for payment at another financial institution

CHKWID

Check Withdrawal

Check written from Helix account

Helix Account

Account at another financial institution

Varies

Check written from Helix Account

CPBDEP

CorePro Deposit

Helix API, Bulk Transfer File, or Admin Console

Business Account owned by the customer at another financial institution

Customer Account

ACH (1-2 business days)

Deposit to a Customer Account from an External Business Checking or External Business Savings account originated via Helix. Any Customer Account whose type is NOT Prepaid results in an ACH transaction.

CPBWTH

CorePro Withdrawal

Helix API, Bulk Transfer File, or Admin Console

Customer Account

Business account owned by the customer at another financial institution

ACH (1-2 business days)

Withdrawal from a Customer Account to an External Business Checking or External Business Savings account originated via Helix. Any Customer Account whose type is NOT Prepaid results in an ACH transaction.

CPDEP

CorePro Deposit

Helix API, Bulk Transfer File, or Admin Console

Consumer account owned by the customer at another financial institution

Customer Account

ACH (1-2 business days)

Deposit to a Customer Account from a Consumer account originated via Helix. Any Customer Account whose type is NOT Prepaid results in an ACH transaction.

CPWTH

CorePro Withdrawal

Helix API, Bulk Transfer File, or Admin Console

Customer Account

Consumer account owned by the customer at another financial institution

ACH (1-2 business days)

Withdrawal from a Customer Account to an External Consumer Account originated via Helix. Any Customer Account whose type is NOT Prepaid results in an ACH transaction.

CPXFR

Internal CorePro Transfer

Helix API or Admin Console

Customer Account

Customer Account (same customer, different account)

Instant

CRD3PF

Card 3rd Party Payment From

ISO-8583 interface (debit card use)

Customer Account

Card Settlement Account

Depends on message; typically instant.

CRD3PT

Card 3rd Party Payment To

ISO-8583 interface (debit card use)

Card Settlement Account

Customer Account

Depends on message; typically instant.

CRDAFD

Card Automated Fuel Dispenser

ISO-8583 interface (debit card use)

Customer Account

Card Settlement Account

Depends on message; typically instant.

Will automatically and instantly settle any corresponding ATHAFD authorization transaction, if any

CRDBCK

Card Cashback From Deposit

ISO-8583 interface (debit card use)

Customer Account

Card Settlement Account

Depends on message; typically instant.

CRDBLP

Card Billpay

ISO-8583 interface (debit card use)

Customer Account

Card Settlement Account

Depends on message; typically instant.

Will automatically and instantly settle any corresponding ATHBLP authorization transaction, if any

CRDCDT

Card Credit Adjustment

ISO-8583 interface (debit card use)

Card Settlement Account

Customer Account

Depends on message; typically instant.

CRDCFD

Card Consumer Funds Disbursement

ISO-8583 interface (debit card use)

Card Settlement Account

Customer Account

Depends on message; typically instant.

CRDCKD

Card Check Deposit

ISO-8583 interface (debit card use)

Card Settlement Account

Customer Account

Depends on message; typically instant.

CRDCSD

Card Cash Deposit

ISO-8583 interface (debit card use)

Card Settlement Account

Customer Account

Depends on message; typically instant.

CRDCSH

Card ATM Cash Withdrawal

ISO-8583 interface (debit card use)

Customer Account

Card Settlement Account

Depends on message; typically instant.

Will automatically and instantly settle any corresponding ATHCSH authorization transaction, if any

CRDDBT

Card Debit Adjustment

ISO-8583 interface (debit card use)

Customer Account

Card Settlement Account

Depends on message; typically instant.

Will automatically and instantly settle any corresponding ATHDBT authorization transaction, if any

CRDDEP

Card Deposit

ISO-8583 interface (debit card use)

Card Settlement Account

Customer Account

Depends on message; typically instant.

CRDFEE

Card Fee Collection Deposit

ISO-8583 interface (debit card use)

Customer Account

Card Settlement Account

Depends on message; typically instant.

CRDFTC

Card Funds Transfer Credit

ISO-8583 interface (debit card use)

Card Settlement Account

Customer Account

Depends on message; typically instant.

Usually from a peer-to-peer service

CRDFTD

Card Funds Transfer Debit

ISO-8583 interface (debit card use)

Customer Account

Card Settlement Account

Depends on message; typically instant.

Usually from a peer-to-peer service. Will automatically and instantly settle any corresponding ATHFTD authorization transaction, if any

CRDICF

International Card Fee

ISO-8583 interface (debit card use)

Customer Account

Card Settlement Account

Depends on message; typically instant.

CRDMTF

Card Money Transfer From

ISO-8583 interface (debit card use)

Customer Account

Card Settlement Account

Depends on message; typically instant.

CRDMTT

Card Money Transfer To

ISO-8583 interface (debit card use)

Card Settlement Account

Customer Account

Depends on message; typically instant.

CRDPCH

Card Purchase

ISO-8583 interface (debit card use)

Customer Account

Card Settlement Account

Depends on message; typically instant.

Will automatically and instantly settle any corresponding ATHPCH authorization transaction, if any

CRDPEN

Card Payment Enclosed

ISO-8583 interface (debit card use)

Customer Account

Card Settlement Account

Depends on message; typically instant.

CRDPOB

Card Point Of Business Deposit

ISO-8583 interface (debit card use)

Card Settlement Account

Customer Account

Depends on message; typically instant.

CRDQUA

Card Quasi-Cash or Scrip

ISO-8583 interface (debit card use)

Customer Account

Card Settlement Account

Depends on message; typically instant.

CRDRTN

Card Merchandise Return

ISO-8583 interface (debit card use)

Card Settlement Account

Customer Account

Depends on message; typically instant.

CRDTRV

Card Travelers Check

ISO-8583 interface (debit card use)

Customer Account

Card Settlement Account

Depends on message; typically instant.

CRDXFR

Card Transfer Funds

ISO-8583 interface (debit card use)

Customer Account

Customer Account (same customer, different account)

Depends on message; typically instant.

CRDXPY

Card Transfer Payment

ISO-8583 interface (debit card use)

Customer Account

Card Settlement Account

Depends on message; typically instant.

CSDEPI

Card Settlement to Internal

Helix Admin Console

Card Settlement Account

Customer Account

Instant

CSDEPP

Card Settlement to Petty Cash

Helix Admin Console

Card Settlement Account

Petty Cash Account

Instant

CSHDEP

Cash to Internal

Admin Console

Petty Cash Account

Customer Account

Instant

CSHRET

Cash to Return Clearing

Admin Console

Petty Cash Account

Return Clearing Account

Instant

CSHRSV

Cash Account to Program Reserve

Admin Console

Petty Cash Account

Program Reserve Account

Instant

CSHVER

Cash to Verification Fund

Admin Console

Petty Cash Account

Verification Fund

Instant

CSHWTH

Internal to Cash

Helix API or Admin Console

Customer Account

Petty Cash Account

Instant

CSIDEP

Interchange Income to Card Settlement

Automated Process, Admin Console

Interchange Income Account

Card Settlement Account

Instant

CSIWID

Card Settlement to Interchange Income

Automated Process, Admin Console

Card Settlement Account

Interchange Income Account

Instant

CSIWTH

Internal to Card Settlement

Admin Console

Customer Account

Card Settlement Account

Instant

CSPWTH

Petty Cash to Card Settlement

Admin Console

Petty Cash Account

Card Settlement Account

Instant

CTCRD

Customer Transfer from {fromName}

Helix API

Customer Account

A Different Customer's Account

Instant

Inbound transfer. Transfers between different customers requires approval from the bank partner

CTDBT

Customer Transfer to {toName}

Helix API

Customer Account

A Different Customer's Account

Instant

Outbound transfer. Transfers between different customers requires approval from the bank partner

EXTPCL

Program External to Program Clearing

Admin Console

Program External Account

Program Clearing Account

ACH (1-2 business days)

EXTRSV

Program External to Program Reserve

Helix Admin Consoleor Helix API

Program External Account

Program Reserve Account

ACH (1-2 business days)

GENDEP

General Journal Deposit

Admin Console

deprecated

GENWTH

General Journal Withdrawal

Admin Console

deprecated

HLDATH

Bank Hold Authorization

Admin Console, Automated Process

Temporarily holds funds on a Helix account

N/A

HLDCRD

FDIC Credit

Automated Process

N/A

Temporarily credits funds to a Helix account

Varies

Extremely rare

HLDDBT

FDIC Debit

Automated Process

Temporarily holds funds on a Helix account

N/A

Varies

Extremely rare

INTACR

Interest Accrued

Interest Processing

Interest Expense Account

Interest Accrual Account

Instant

Amount of interest accrued for a given product on a given day. One summary transaction is written per product per day denoting the total amount accrued across all eligible accounts.

INTADJ

Interest Adjustment

Interest Processing or Admin Console

Customer Account or Interest Accrual Account

Interest Accrual Account or Customer Account

Instant

Used only in a very rare circumstance when the wrong amount of interest was paid to a customer. Will either be a credit or debit depending on whether the initial payment was too high or too low.

INTEXB

Interest Transfer External

Interest Processing

Interest Accrual Account

An external business account at another financial institution

ACH (1-2 business days)

Interest transfer to a customer's external business savings account or external business checking account.

INTEXT

Interest Transfer External

Interest Processing

Interest Accrual Account

An external consumer account at another financial institution

ACH (1-2 business days)

Interest transfer to a customer's consumer checking account.

INTINT

Interest Transfer Internal

Interest Processing

Interest Accrual Account

Customer Account

Instant

INTOVR

Interest Overaccrual

Interest Processing, Admin Console

Interest Accrual Account

Interest Expense Account

Instant

INTPD

Interest Paid

Interest Processing

Interest Accrual Account

Customer Account

Instant

Paid per Payment Frequency setting. Typically on a monthly basis.

INTREV

Interest Reversal Adjustment

Interest Processing, Admin Console

Customer Account

Interest Expense Account

Instant

Used only in a very rare circumstance when an interest payment was made in error.

INTUND

Interest Underaccrual

Interest Processing, Admin Console

Interest Expense Account

Interest Accrual Account

Instant

MSCDEP

Miscellaneous to Internal

Helix API or Admin Console

Miscellaneous Account

Customer Account

Instant

Typically related to fees gathered by the client

MSCWTH

Internal to Miscellaneous

Helix API or Admin Console

Customer Account

Miscellaneous Account

Instant

Typically related to fees gathered by the client

PCLDEP

Program Clearing To Internal

Helix API or Admin Console

Program Clearing Account

Customer Account

Instant

PCLWTH

Internal to Program Clearing

Helix API or Admin Console

Customer Account

Program Clearing Account

Instant

PSCRD

Program Suspense Transfer from {fromName}

Helix API, Admin Console, Automated Process

Customer Account

Program Suspense Account

Instant

PSDBT

Program Suspense Transfer to {toName}

Helix API, Admin Console, Automated Process

Program Suspense Account

Customer Account

Instant

PSDEPI

Program Suspense to Internal

Admin Console

Program Suspense Account

Customer Account

Instant

PSRSV

Program Suspense to Program Reserve

Admin Console

Program Suspense Account

Program Reserve Account

Instant

PSSTL

Program Suspense to Settlement

Admin Console

Program Suspense Account

Card Settlement Account

Instant

PSTDEP

Program Settlement to Internal

Admin Console

Program Settlement Account

Customer Account

Instant

PSUNK

Program Suspense to Unknown External

ACH File Processing

Program Suspense Account

An account at another financial institution

Instant

Withdrawal from the Program Suspense account to an Unkonwn External account; i.e. a "pull" of funds via NACHA initiated by another ODFI (does not originate from Helix). An "Unknown" withdrawal means the tag property will always be empty on this transaction, since it did not originate from Helix.

PSWTHI

Internal To Program Suspense

Helix API, Admin Console

Customer Account

Program Suspense Account

Instant

PXTDEP

Program External To Internal

Helix API or Admin Console

Program External Account

Customer Account

ACH (1-2 business days)

RCLDEP

Return Clearing To Internal

Helix API or Admin Console

Return Clearing Account

Customer Account

Instant

RCRBDP

CorePro Recurring Deposit

Helix API or Bulk Transfer File

Customer External Business Account

Customer Account

ACH (1-2 business days)

Recurring deposits from a customer's external business savings account or external business checking account.

RCRDEP

Recurring deposit into a Customer Account

Helix API or Bulk Transfer File

Customer External Consumer Account

Customer Account

ACH (1-2 business days)

Recurring deposits from a customer's external consumer account.

REV3PF

Card 3rd Party Payment From Reversal

ISO-8583 interface (debit card use)

Card Settlement Account

Customer Account

Depends on message; typically instant

If reversing an authorization transaction ATH3PF, no funds are moved but hold is released. If reversing a card transaction CRD3PF, funds are moved.

REV3PT

Card 3rd Party Payment To Reversal

ISO-8583 interface (debit card use)

Customer Account

Card Settlement Account

Depends on message; typically instant

If reversing an authorization transaction ATH3PT, no funds are moved but hold is released. If reversing a card transaction CRD3PT, funds are moved.

REVAFD

Card Automated Fuel Dispenser Reversal

ISO-8583 interface (debit card use)

Card Settlement Account

Customer Account

Depends on message; typically instant

If reversing an authorization transaction ATHAFD, no funds are moved but hold is released. If reversing a card transaction CRDAFD, funds are moved.

REVBCK

Card Cashback From Deposit Reversal

ISO-8583 interface (debit card use)

Card Settlement Account

Customer Account

Depends on message; typically instant

If reversing an authorization transaction ATHBCK, no funds are moved but hold is released. If reversing a card transaction CRDBCK, funds are moved.

REVBLP

Card Billpay Reversal

ISO-8583 interface (debit card use)

Card Settlement Account

Customer Account

Depends on message; typically instant

If reversing an authorization transaction ATHBLP, no funds are moved but hold is released. If reversing a card transaction CRDBLP, funds are moved.

REVCDT

Card Credit Adjustment Reversal

ISO-8583 interface (debit card use)

Card Settlement Account

Customer Account

Depends on message; typically instant

If reversing an authorization transaction ATHCDT, no funds are moved but hold is released. If reversing a card transaction CRDCDT, funds are moved.

REVCFD

Card Consumer Funds Disbursement Reversal

ISO-8583 interface (debit card use)

Customer Account

Card Settlement Account

Depends on message; typically instant

If reversing an authorization transaction ATHCFD, no funds are moved but hold is released. If reversing a card transaction CRDCFD, funds are moved.

REVCKD

Card Check Deposit Reversal

ISO-8583 interface (debit card use)

Customer Account

Card Settlement Account

Depends on message; typically instant

If reversing an authorization transaction ATHCKD, no funds are moved but hold is released. If reversing a card transaction CRDCKD, funds are moved.

REVCSD

Card Cash Deposit Reversal

ISO-8583 interface (debit card use)

Customer Account

Card Settlement Account

Depends on message; typically instant

If reversing an authorization transaction ATHCSD, no funds are moved but hold is released. If reversing a card transaction CRDCSD, funds are moved.

REVCSH

Card ATM Cash Withdrawal Reversal

ISO-8583 interface (debit card use)

Card Settlement Account

Customer Account

Depends on message; typically instant

If reversing an authorization transaction ATHCSH, no funds are moved but hold is released. If reversing a card transaction CRDCSH, funds are moved.

REVDBT

Card Debit Adjustment Reversal

ISO-8583 interface (debit card use)

Card Settlement Account

Customer Account

Depends on message; typically instant

Reverses a debit adjustment CRDAFD.

REVDEP

Card Deposit Reversal

ISO-8583 interface (debit card use)

Customer Account

Card Settlement Account

Depends on message; typically instant

Reverses a deposit CRDDEP.

REVFEE

Card Fee Collection Deposit Reversal

ISO-8583 interface (debit card use)

Card Settlement Account

Customer Account

Depends on message; typically instant

If reversing an authorization transaction ATHFEE, no funds are moved but hold is released. If reversing a card transaction CRDFEE, funds are moved.

REVFTC

Card Funds Transfer Credit Reversal

ISO-8583 interface (debit card use)

Customer Account

Card Settlement Account

Depends on message; typically instant

If reversing an authorization transaction ATHFTC, no funds are moved but hold is released. If reversing a card transaction CRDFTC, funds are moved.

REVFTD

Card Funds Transfer Debit Reversal

ISO-8583 interface (debit card use)

Card Settlement Account

Customer Account

Depends on message; typically instant

If reversing an authorization transaction ATHFTD, no funds are moved but hold is released. If reversing a card transaction CRDFTD, funds are moved.

REVICF

Reversal of International Card Fee

ISO-8583 interface (debit card use)

Customer Account

Card Settlement Account

Depends on message; typically instant

Reverses an international card fee CRDICF.

REVMTF

Card Money Transfer From Reversal

ISO-8583 interface (debit card use)

Card Settlement Account

Customer Account

Depends on message; typically instant

If reversing an authorization transaction ATHMTF, no funds are moved but hold is released. If reversing a card transaction CRDMTF, funds are moved.

REVMTT

Card Money Transfer To Reversal

ISO-8583 interface (debit card use)

Customer Account

Card Settlement Account

Depends on message; typically instant

If reversing an authorization transaction ATHMTT, no funds are moved but hold is released. If reversing a card transaction CRDMTT, funds are moved.

REVPCH

Card Purchase Reversal

ISO-8583 interface (debit card use)

Card Settlement Account

Customer Account

Depends on message; typically instant

If reversing an authorization transaction ATHPCH, no funds are moved but hold is released. If reversing a card transaction CRDPCH, funds are moved.

REVPEN

Card Payment Enclosed Reversal

ISO-8583 interface (debit card use)

Card Settlement Account

Customer Account

Depends on message; typically instant

If reversing an authorization transaction ATHPEN, no funds are moved but hold is released. If reversing a card transaction CRDPEN, funds are moved.

REVPOB

Card Point Of Business Deposit Reversal

ISO-8583 interface (debit card use)

Customer Account

Card Settlement Account

Depends on message; typically instant

If reversing an authorization transaction ATHPOB, no funds are moved but hold is released. If reversing a card transaction CRDPOB, funds are moved.

REVQUA

Card Quasi-Cash or Scrip Reversal

ISO-8583 interface (debit card use)

Card Settlement Account

Customer Account

Depends on message; typically instant

If reversing an authorization transaction ATHQUA, no funds are moved but hold is released. If reversing a card transaction CRDQUA, funds are moved.

REVRTN

Card Merchandise Return Reversal

ISO-8583 interface (debit card use)

Customer Account

Card Settlement Account

Depends on message; typically instant

If reversing an authorization transaction ATHRTN, no funds are moved but hold is released. If reversing a card transaction CRDRTN, funds are moved.

REVTRV

Card Travelers Check Reversal

ISO-8583 interface (debit card use)

Card Settlement Account

Customer Account

Depends on message; typically instant

If reversing an authorization transaction ATHTRV, no funds are moved but hold is released. If reversing a card transaction CRDTRV, funds are moved.

REVVDR

Visa Direct: Card Money Transfer To Reversal

ISO-8583 interface (debit card use)

Customer Account

Card Settlement Account

Depends on message; typically instant

REVXFR

Card Transfer Funds Reversal

ISO-8583 interface (debit card use)

Customer Account

Customer Account (same customer, different account)

Depends on message; typically instant

If reversing an authorization transaction ATHXFR, no funds are moved but hold is released. If reversing a card transaction CRDXFR, funds are moved.

REVXPY

Card Transfer Payment Reversal

ISO-8583 interface (debit card use)

Card Settlement Account

Customer Account

Depends on message; typically instant

If reversing an authorization transaction ATHXPY, no funds are moved but hold is released. If reversing a card transaction CRDXPY, funds are moved.

RSVCSH

Program Reserve to Cash Account

Helix Admin Console

Program Reserve Account

Petty Cash Account

Instant

RSVDEP

Program Reserve to Internal

Helix API or Admin Console

Program Reserve Account

Customer Account

Instant

RSVEXT

Program Reserve to Program External

Helix API or Admin Console

Program Reserve Account

Program External Account

ACH (1-2 business days)

RSVPS

Program Reserve to Program Suspense

Admin Console

Program Reserve Account

Program Suspense

Instant

RSVRSV

Program Reserve to Program Reserve

Admin Console

A Program Reserve Account

Another Program Reserve Account

Instant

RSVSTL

Program Reserve to Settlement

Admin Console

Program Reserve Account

Card Settlement Account

Instant

RSVUNK

Program Reserve to Unknown External

ACH File Processing

Program Reserve Account

Account at another financial institution

Instant

Withdrawal from the Program Reserve account to an Unkonwn External account; i.e. a "pull" of funds via NACHA initiated by another ODFI (does not originate from Helix). An "Unknown" withdrawal means the tag property will always be empty on this transaction, since it did not originate from Helix.

RSVVER

Program Reserve to Verification

Admin Console

Program Reserve Account

Verification Fund

Instant

RSVWTH

Internal to Program Reserve

Helix API or Admin Console

Customer Account

Program Reserve Account

Instant

RTLDEP

Retail Clearing To Internal

Helix API or Admin Console

Retail Clearing Account

Customer Account

Instant

RTLWTH

Internal to Retail Clearing

Helix API or Admin Console

Customer Account

Retail Clearing Account

Instant

RTNDEP

Return of a CorePro Deposit

ACH File Processing

Customer Account

Account at another financial institution

ACH (1-2 business days)

Return of a previous deposit into a Customer Account. (i.e. this transaction represents a withdrawal from a Customer Account). This is an ACH transaction that could not be completed properly, and it is being returned via the ACH network.

RTNWTH

Return of a CorePro Withdrawal

ACH File Processing

Account at another financial institution

Customer Account

ACH (1-2 business days)

Return of a previous withdrawal from a Customer Account. This is an ACH transaction that could not be completed properly, and it is being returned via the ACH network.

STLRSV

Settlement to Program Reserve

Helix Admin Console

Card Settlement Account

Program Reserve Account

Instant

STLUNK

Settlement Account to Unknown External

Helix Admin Console

Card Settlement Account

Account at another financial institution

ACH (1-2 business days)

Deposit to Unknown External account from the Card Settlement account. This is an ACH transaction that could not be completed properly, and it is being returned via the ACH network.

UNKDEP

Unknown External to Internal

ACH File Processing

Account at another financial institution

Customer Account

Instant

Deposit to a Customer Account from an External account; i.e. a "push" of funds via NACHA initiated by another ODFI (does not originate from Helix). An "Unknown" deposit means the tag property will always be empty on this transaction, since it did not originate from Helix.

UNKPS

Unknown External to Program Suspense

ACH File Processing

Account at another financial institution

Program Suspense Account

Instant

UNKPST

Unknown External to Program Settlement

ACH File Processing

Account at another financial institution

Program Settlement Account

Instant

UNKRET

Unknown External to Return Clearing

ACH File Processing

Account at another financial institution

Return Clearing Account

Instant

Withdrawal from an External account to the Return Clearing account; i.e. a return of funds via NACHA initiated by another ODFI (does not originate from Helix).

UNKRSV

Unknown External to Program Reserve

ACH File Processing

Account at another financial institution

Program Reserve Account

Instant

Withdrawal from an External account to the Program Reserve account; i.e. a "push" of funds into the Program Reserve via NACHA initiated by another ODFI (does not originate from Helix).

UNKSTL

Unknown External to Settlement Account

ACH File Processing

Account at another financial institution

Card Settlement Account

Instant

UNKWTH

Internal to Unknown External

ACH File Processing

Customer Account

Account at another financial institution

Instant

Withdrawal from a Customer Account to an External account; i.e. a "pull" of funds via NACHA initiated by another ODFI (does not originate from Helix). An "Unknown" withdrawal means the tag property will always be empty on this transaction, since it did not originate from Helix.

VERDEP

Verification Deposit

Helix API or Admin Console

Consumer account at another financial institution

Verification Funds Account

ACH (1-2 business days)

Deposit of verification funds to the Verification Funds account from an external consumer account. (aka micro-transactions for verifying an external account). This is an ACH transaction that "pulled" funds in from the ACH network.

VERWTH

Verification Withdrawal

Helix API or Admin Console

Verification Funds Account

Consumer account at another financial institution

ACH (1-2 business days)

Withdrawal of verification funds from the Verification Funds account out to an external consumer account. (aka micro-transactions for verifying an external account). This is an ACH transaction that "pushed" funds out to the ACH network.

VISDIR

Visa Direct: Card Money Transfer To

ISO-8583 interface (debit card use)

Card Settlement Account

Customer Account

Depends on message; typically instant

WIRDEP

Wire Deposit

Wire Processing

Account at another financial institution

Customer Account

Instant

WIRWID

Wire Withdrawal

Wire Processing

Customer Account

Account at another financial institution

Instant