Statuses

ACH Statuses

Status	Direction	Description	Cancellable
scheduled	Incoming, Outgoing	The ACH has been accepted by the Lead platform and is waiting for further processing.	Incoming: N Outgoing: Y
processing	Outgoing	The Lead platform is preparing the ACH for submission to the Fed for processing.	N
submitted	Outgoing	The Lead platform has submitted the ACH transfer for Fed processing.	N
posted	Incoming, Outgoing	The ACH transfer has successfully completed and has been posted to the receiving bank account. For outbound, if the receiver is at a different bank, the funds may take a few hours to appear.	N
canceled	Outgoing	The ACH transfer has been cancelled and will not be processed. This is a terminal status.	N
under_review	Incoming, Outgoing	The ACH transfer has triggered a validation rule that requires further review by the Lead Payment Ops team. Please see best practices on how to avoid this status. We may reach out to you for additional information.	Incoming: N Outgoing: Y
approved	Incoming, Outgoing	A successful result of a manual review. This indicates that the ACH transfer will continue to process.	Incoming: N Outgoing: Y
rejected	Incoming, Outgoing	An unsuccessful result of a manual review, indicating that Lead Payment Ops has detected an issue with the ACH transfer. Review the data in the rejection hash to determine what to fix and resubmit a corrected ACH transfer if appropriate. This is a terminal status. Please reach out to support via your Slack channel if you have further questions about this decision.	N
pending_return	Incoming, Outgoing	The Lead platform has received notice that a previously posted ACH transfer is going to be returned. From here, the payment will move to `returned` if successful, or back to `posted` if not (which will not trigger a new ach.posted webhook).	N
pending_dishonored_return	Incoming, Outgoing	A request to dishonor a previously returned ACH is in progress.
pending_contested_return	Incoming, Outgoing	A request to contest a previously dishonored return is in progress.
returned	Incoming, Outgoing	A return processed successfully, and the original ACH transaction is now returned.	N
return_dishonored	Incoming, Outgoing	A dishonored return processed successfully, and the original ACH transaction is now dishonored.
return_contested	Incoming, Outgoing	A contested return processed successfully, and the original ACH transaction is now contested.

Incoming ACH Transitions

Outgoing ACH Transitions

Types of Transfers

ACH transactions can involve various types of transfers beyond standard payments. The following are specific ACH transfer types that may occur in different scenarios.

Type	Description
ACH return	A returned ACH item that could not be posted to the receiver’s account for any reason. This can occur due to issues such as insufficient funds, closed accounts, or incorrect account details.
Reversal	An ACH entry initiated to correct a previously originated transaction that was sent in error. Reversals should only be used for genuine mistakes, such as duplicate payments or incorrect amounts, and must not be used for unauthorized transactions.
Dishonored return	A return entry rejected by the ODFI (Originating Depository Financial Institution). Dishonored returns are only allowed for valid reasons, such as improper or untimely returns.
Contested dishonored return	A return entry used by the RDFI (Receiving Depository Financial Institution) to challenge a dishonored return. This process is rare and only permitted in specific circumstances, such as when an ODFI improperly dishonors a valid return.

Rejection Case Lifecycle

In most cases, an ACH transaction will move naturally through the status lifecycle. In some instances, when a transaction requires a manual review, the originally requested action may be rejected. In this case, the ACH transaction will transition back to its original status before the action was requested. For example, if an ACH transaction is posted and a return is initiated, the status will transition to pending_return . If the return transaction requires manual review, and the review result is to reject the return request, the ACH transaction will transition back to returned to reflect the actual current state of the transaction.

Foundations

API Guides

ACH Statuses

Incoming ACH Transitions

Outgoing ACH Transitions

Types of Transfers

Rejection Case Lifecycle

​ACH Statuses

​Incoming ACH Transitions

​Outgoing ACH Transitions

​Types of Transfers

​Rejection Case Lifecycle

ACH Statuses

Incoming ACH Transitions

Outgoing ACH Transitions

Types of Transfers

Rejection Case Lifecycle