> ## Documentation Index
> Fetch the complete documentation index at: https://docs.lead.bank/llms.txt
> Use this file to discover all available pages before exploring further.
# 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:
The transaction type (e.g., rewards, fees).\
\
See [Deposit Transaction Types](/file-integrations/balances-and-transactions/transaction-types#deposit) or [Credit Transaction Types](/file-integrations/balances-and-transactions/transaction-types#credit) for more details.
The type of fee transaction (e.g., ATM, overdraft).
**Possible Types**
* `atm`
* `overdraft`
* `periodic_maintenance`
* `card`
* `international_transaction`
* `other`
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.
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](https://docs.lead.bank/api-integrations/blockchain-payments/overview) 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) |