Transaction Types

Used for accounting entries, account reconciliation, and ongoing program oversight

Overview

Map your ledger transactions to Lead’s transaction types, which must be approved by Lead’s accounting team before going live. Lead’s implementation team will provide a tool for completing this request during onboarding.

Each transaction has four core fields:

type

The transaction type (e.g., rewards, fees).

See Deposit Transaction Types or Credit Transaction Types for more details.

fee_type

The type of fee transaction (e.g., ATM, overdraft).Possible Types

atm
overdraft
periodic_maintenance
card
international_transaction
other

action

The transaction action. Note the signage based on credit or deposit transaction type:

applied indicates the transaction has been applied to the balance. This includes posted, assessed or accrued transactions as long as they are affecting the underlying balance.
reversed indicates the transaction has been reversed from the balance. This includes reversed or returned transactions.

transfer_type

The transaction transfer type (e.g., ACH, wire). If the transaction was conducted via a Lead API or payment rail, please additional provide transfer_ids for the transaction record.

ach: ach transactions.
wire: wire transactions.
international_wire: international wire transactions.
instant_payment: instant payment transactions.
check: check transactions.
card: card transactions.
oct: original credit transactions; push-to-card transactions.
aft: account funding transactions; transfer to fund a card account transactions.
internal_transfer: transfer within accounts at Lead bank.
- If you use the Blockchain Payments API, use this transfer_type to report transactions
external_transfer: transfer from/to accounts at Lead bank from/to external bank account.
no_money_movement: transfer that happens on an end customer balance but does not result in money movement within Lead bank. (e.g. customer moving money between two different USD pockets; dispute won and no money movement since provisional credit was applied earlier; interest is accrued but not yet paid out). Used when no settlement is needed.
out_of_bank_settlement: transfer that affects customer balance but for balances held at accounts outside of Lead bank but due to Lead customers.

The following transaction types (type) require a transfer_type to also be provided in the Transactions file:

For deposit balances: debit, credit, refund, dispute_provisional, escheatment
For credit balances: disbursement, payment, refund, client_credit, dispute_provisional

For any transaction types that do not require a transfer type to be provided, you can optionally use any valid transfer_type enum.

Deposit

Type	Fee Type	Description	Action (amount Polarity)
debit	N/A	Debit transaction applied to the deposit balance. (e.g., outgoing transactions such as payments) If `debit` transaction affects rewards balance, see Rewards Balance for more details. Possible transfer types that can be used with this transaction type are: `ach`, `wire`, `international_wire`, `instant_payment`, `check`, `card`, `oct`, `aft`, `internal_transfer`, `external_transfer`, `out_of_bank_settlement`, and `no_money_movement`.	Applied (-) Reversed (+)
credit	N/A	Credit transaction applied to the deposit balance. (e.g., incoming transactions such as deposit) If `credit` transaction affects rewards balance, see Rewards Balance for more details. Possible transfer types that can be used with this transaction type are: `ach`, `wire`, `international_wire`, `instant_payment`, `check`, `oct`, `aft`, `internal_transfer`, `external_transfer`, `out_of_bank_settlement`, and `no_money_movement`.	Applied (+) Reversed (-)
refund	N/A	Refund of a debit transaction applied to the deposit balance. If `refund` transaction affects rewards balance, see Rewards Balance for more details. Possible transfer types that can be used with this transaction type are: `card`.	Applied (+) Reversed (-)
dispute_provisional	N/A	Dispute has been filed and in progress. - `balance` increases by `amount`. - `dispute_balance` increases by `amount`. See Dispute Balance for more details. Possible transfer types that can be used with this transaction type are: `internal_transfer`, `external_transfer`, `out_of_bank_settlement`, and `no_money_movement`	Applied (+)
dispute_won	N/A	Customer wins the dispute. - `balance` is unaffected. - `dispute_balance` decreases by `amount`.	Applied (-)
dispute_lost	N/A	Customer loses the dispute. - `balance` decreases by `amount`. - `dispute_balance` decreases by `amount`.	Applied (-)
escheatment	N/A	Transfer of unclaimed or abandoned funds to the state after a period of inactivity. Possible transfer types that can be used with this transaction type are: `ach`, `wire`, `check`, `internal_transfer`, `external_transfer`, `out_of_bank_settlement`, and `no_money_movement`.	Applied (-)
charge_off	N/A	Write-off of unpaid negative balances, typically for overdraft accounts. - `balance` increases by `amount`. - `charge_off_balance` increases by `amount`.	Applied (+) Reversed (-)
charge_off_recovery	N/A	Charge off only: Full or partial recovery of a charge-off balance. - `balance` is unaffected. - `charge_off_balance` decreases by `amount`.	Applied (-) Reversed (+)
rewards_earned	N/A	A transaction that only earns rewards, but does not impact the balance. Note, 0 reflects `amount` in `Transactions`.	Applied (0) Reversed (0)
rewards_spent	N/A	A transaction that only spends rewards, but does not impact the balance. Note, 0 reflects `amount` in `Transactions`.	Applied (0) Reversed (0)
rewards_redeemed	N/A	When a rewards balance is redeemed to credit the balance.	Applied (+) Reversed (-)
fee	atm	ATM withdrawal fees.	Applied (-) Reversed (+)
fee	overdraft	Overdraft fees.	Applied (-) Reversed (+)
fee	periodic_maintenance	Periodic maintenance fees (e.g., monthly or annual).	Applied (-) Reversed (+)
fee	card	Card-related fees.	Applied (-) Reversed (+)
fee	international_transaction	International transaction fees.	Applied (-) Reversed (+)
fee	other	Other deposit-related fees.	Applied (-) Reversed (+)
interest_accrued	N/A	Accrued interest on the deposit balance. - `balance` is unaffected. - `interest_accrued_balance` increases by `amount`.	Applied (+) Reversed (-)
interest_paid	N/A	Paid interest on the deposit balance. - `balance` increases by `amount`. - `interest_accrued_balance` decreases by `amount`.	Applied (+) Reversed (-)
adjustment	N/A	Balance adjustments required for other reasons not captured in the above transaction types. An example of when this might be used is when the program is funding or reducing a balance outside of the normal course of business. The use of this transaction type should be used only if aligned on with Lead.	Applied (+/-)

Credit

Every transaction must include amount, which is represented by the sum of principal_amount, fee_amount, and interest_amount.
If your program offers rewards, the rewards field and type are also required.

Type	Fee Type	Description	Action (amount Polarity)
disbursement	N/A	Transaction will affect Principal only: Disbursement of credit balance, increasing the overall balance and generating a receivable. This will only affect `outstanding_principal`. If `disbursement` transaction affects rewards balance, see Rewards Balance for more details. Possible transfer types that can be used with this transaction type are: `card`, `internal_transfer`, and `no_money_movement`.	Applied (+)
payment	N/A	Across Principal, Fees and Interest: payment towards the credit balance. Possible transfer types that can be used with this transaction type are: `ach`, `wire`, `international_wire`, `instant_payment`, `check`, `internal_transfer`, `external_transfer`, `out_of_bank_settlement`, and `no_money_movement`.	Applied (-) Reversed (+)
refund	N/A	Across Principal, Fees and Interest: Refund of a credit balance, such as a full refund. If `refund` transaction affects rewards balance, see Rewards Balance for more details. Possible transfer types that can be used with this transaction type are: `ach`, `wire`, `international_wire`, `instant_payment`, `check`, `card`, `internal_transfer`, `external_transfer`, `out_of_bank_settlement`, and `no_money_movement`.	Applied (-)
cancellation	N/A	Across Principal, Fees and Interest: Cancellation of a credit balance, such as if the user opts to cancel their loan. If `cancellation` transaction affects rewards balance, see Rewards Balance for more details. Possible transfer types that can be used with this transaction type are: `no_money_movement`.	Applied (-)
client_credit	N/A	Across Principal, Fees and Interest: Partial credit or refund applied to the credit balance. If `client_credit` transaction affects rewards balance, see Rewards Balance for more details. Possible transfer types that can be used with this transaction type are: `no_money_movement`.	Applied (-) Reversed (+)
charge_off	N/A	Across Principal, Fees and Interest: Full or partial charge-off. - `balance` decreases by `amount`. - `charge_off_balance` increases by `amount`.	Applied (-) Reversed (+)
charge_off_recovery	N/A	Charge off only: Full or partial recovery of a charge-off balance. - `balance` is unaffected. - `charge_off_balance` decreases by `amount`.	Applied (-) Reversed (+)
dispute_provisional	N/A	Across Principal, Fees and Interest: Dispute has been filed and in progress. - `balance` decreases by `amount`. - `dispute_balance` increases by `amount`. Possible transfer types that can be used with this transaction type are: `no_money_movement`.	Applied (-)
dispute_won	N/A	Across Principal, Fees and Interest: Customer wins the dispute. - `balance` is unaffected. - `dispute_balance` decreases by `amount`.	Applied (-)
dispute_lost	N/A	Across Principal, Fees and Interest: Customer loses the dispute. - `balance` increases by `amount`. - `dispute_balance` decreases by `amount`.	Applied (+)
rewards_earned	N/A	A transaction that only earns rewards, but does not impact the balance. Note, 0 reflects `amount` in `Transactions`.	Applied (0) Reversed (0)
rewards_spent	N/A	A transaction that only spends rewards, but does not impact the `balance`. Note, 0 reflects `amount` in `Transactions`.	Applied (0) Reversed (0)
rewards_redeemed	N/A	When a rewards amounts are redeemed to credit the balance.	Applied (-) Reversed (+)
fee	card	Fee only: Card-related fees.	Applied (+) Reversed (-)
fee	international_transaction	International transaction fees.	Applied (+) Reversed (-)
interest_accrued	N/A	Interest only: Accrued interest on the credit balance. - `interest_amount` is nonzero - `fees_amount` is zero - `principal_amount` is zero	Applied (+) Reversed (-)
reallocation	N/A	Reallocation across principal / interest / fees.	Applied (0)

Foundations

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Overview

Deposit

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