Transaction Types

Every transaction you report in the daily Transactions file carries a classification that Lead uses for accounting entries, account reconciliation, and ongoing program oversight. This page is the semantic reference for that classification; the field-by-field schema lives in the File Reference.

Map your ledger’s transactions to Lead’s transaction types before going live — the mapping must be approved by Lead’s accounting team, and your implementation team will provide a tool for completing this request during onboarding. If activity in your ledger doesn’t fit a type below, raise it during mapping rather than bending a type to fit.

The Four-Field Classification

Field	What it says	Values
`type`	What kind of activity this is.	Differs by product surface — see the Deposit and Credit tables.
`fee_type`	Which fee, when `type` is `fee`.	`atm` · `overdraft` · `periodic_maintenance` · `card` · `international_transaction` · `other`
`action`	Whether the activity is being applied or backed out.	`applied` — posted, assessed, or accrued activity affecting the underlying balance · `reversed` — reversed or returned activity
`transfer_type`	The rail the money moved on, if any.	The table below.

A reversal is a new transaction with action: reversed — you never delete or mutate a previously reported record. Note the polarity flip per type in the tables below: a reversal moves the balance in the opposite direction of the corresponding applied transaction. Corrections to fields like settlement_date on an already-reported transaction go through the Transactions Updates file instead.

Transfer Types

If the transaction was conducted via a Lead API or payment rail, also provide transfer_ids on the record — the Lead-generated transfer object IDs (e.g., the ACH ID) that tie your reported customer activity to the money movement Lead executed.

`transfer_type`	Meaning
`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.
`aft`	Account funding transactions — transfers funding a card account.
`internal_transfer`	Transfers within accounts at Lead. Also used to report Blockchain Payments transactions.
`external_transfer`	Transfers between accounts at Lead and external bank accounts.
`no_money_movement`	Activity on an end-customer balance with no money movement within Lead — e.g., a customer moving money between two USD pockets, a dispute won where provisional credit was applied earlier, or interest accrued but not yet paid. Used when no settlement is needed.
`out_of_bank_settlement`	Activity affecting a customer balance held at accounts outside Lead but due to Lead customers.

transfer_type is required for these types (optional elsewhere — any valid enum may be provided):

Deposit balances: debit, credit, refund, dispute_provisional, escheatment
Credit balances: disbursement, payment, refund, client_credit, dispute_provisional

Deposit Transaction Types

Polarity is from the balance’s perspective: positive increases the deposit balance, negative decreases it.

Type	Fee Type	Description	Action (amount polarity)
`debit`	—	Debit applied to the deposit balance (e.g., outgoing payments). Allowed transfer types: `ach`, `wire`, `international_wire`, `instant_payment`, `check`, `card`, `oct`, `aft`, `internal_transfer`, `external_transfer`, `out_of_bank_settlement`, `no_money_movement`.	Applied (−) · Reversed (+)
`credit`	—	Credit applied to the deposit balance (e.g., incoming deposits). Allowed transfer types: as `debit`, minus `card`.	Applied (+) · Reversed (−)
`refund`	—	Refund of a debit transaction. Allowed transfer types: `card`.	Applied (+) · Reversed (−)
`dispute_provisional`	—	Dispute filed and in progress: `balance` and `dispute_balance` each increase by `amount`. Reversed unwinds a provisional credit (e.g., removed without the dispute resolving in the customer’s favor): both decrease. Allowed transfer types: `internal_transfer`, `external_transfer`, `out_of_bank_settlement`, `no_money_movement`.	Applied (+) · Reversed (−)
`dispute_won`	—	Customer wins: `balance` unaffected; `dispute_balance` decreases by `amount`. Reversed: `dispute_balance` increases.	Applied (−) · Reversed (+)
`dispute_lost`	—	Customer loses: `balance` and `dispute_balance` each decrease by `amount`. Reversed: both increase.	Applied (−) · Reversed (+)
`escheatment`	—	Transfer of unclaimed or abandoned funds to the state after a period of inactivity. Allowed transfer types: `ach`, `wire`, `check`, `internal_transfer`, `external_transfer`, `out_of_bank_settlement`, `no_money_movement`.	Applied (−)
`charge_off`	—	Write-off of unpaid negative balances, typically overdraft: `balance` increases; `charge_off_balance` increases.	Applied (+) · Reversed (−)
`charge_off_recovery`	—	Full or partial recovery of a charge-off: `balance` unaffected; `charge_off_balance` decreases.	Applied (−) · Reversed (+)
`rewards_earned`	—	Earns rewards only; balance unaffected — `amount` is 0.	Applied (0) · Reversed (0)
`rewards_spent`	—	Spends rewards only; balance unaffected — `amount` is 0.	Applied (0) · Reversed (0)
`rewards_redeemed`	—	Rewards balance 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`	—	Accrued interest: `balance` unaffected; `interest_accrued_balance` increases.	Applied (+) · Reversed (−)
`interest_paid`	—	Paid interest: `balance` increases; `interest_accrued_balance` decreases.	Applied (+) · Reversed (−)
`adjustment`	—	Balance adjustments not captured by the types above (e.g., funding or reducing a balance outside the normal course of business). Use only if aligned with Lead.	Applied (+/−)

Credit Transaction Types

Every credit transaction must include amount = principal_amount + fee_amount + interest_amount — the same decomposition the Balance’s live position tracks and reconciliation asserts. If your program offers rewards, the rewards fields are also required.

Polarity is from the balance’s perspective — the balance is what the customer owes, so draws are positive and payments negative.

Type	Fee Type	Description	Action (amount polarity)
`disbursement`	—	Principal only: disbursement of the credit balance, increasing the overall balance and generating a receivable (Receivables & the Daily Sale). Affects `outstanding_principal` only. When reporting a posted Funding, use `transfer_type: internal_transfer` with `funding_id`, and `fee_amount` must equal the Funding’s `other_fees.borrower_origination_fee_amount` (troubleshooting). Allowed transfer types: `card`, `internal_transfer`, `no_money_movement`.	Applied (+)
`payment`	—	Across principal, fees, and interest: payment towards the credit balance. Allowed transfer types: `ach`, `wire`, `international_wire`, `instant_payment`, `check`, `internal_transfer`, `external_transfer`, `out_of_bank_settlement`, `no_money_movement`.	Applied (−) · Reversed (+)
`refund`	—	Across principal, fees, and interest: refund of a credit balance, such as a full refund. Allowed transfer types: as `payment`, plus `card`.	Applied (−)
`cancellation`	—	Across principal, fees, and interest: cancellation of a credit balance (e.g., the user cancels their loan). Allowed transfer types: `no_money_movement`.	Applied (−)
`client_credit`	—	Across principal, fees, and interest: partial credit or refund applied to the balance. Allowed transfer types: `no_money_movement`.	Applied (−) · Reversed (+)
`charge_off`	—	Across principal, fees, and interest: full or partial charge-off: `balance` decreases; `charge_off_balance` increases.	Applied (−) · Reversed (+)
`charge_off_recovery`	—	Full or partial recovery of a charge-off: `balance` unaffected; `charge_off_balance` decreases.	Applied (−) · Reversed (+)
`dispute_provisional`	—	Across principal, fees, and interest: dispute filed and in progress: `balance` decreases; `dispute_balance` increases. Reversed unwinds a previously applied provisional credit: `balance` increases, `dispute_balance` decreases. Allowed transfer types: `no_money_movement`.	Applied (−) · Reversed (+)
`dispute_won`	—	Customer wins: `balance` unaffected; `dispute_balance` decreases. Reversed: `dispute_balance` increases.	Applied (−) · Reversed (+)
`dispute_lost`	—	Customer loses: `balance` increases; `dispute_balance` decreases. Reversed: `balance` decreases, `dispute_balance` increases.	Applied (+) · Reversed (−)
`rewards_earned`	—	Earns rewards only; `balance` unaffected — `amount` is 0.	Applied (0) · Reversed (0)
`rewards_spent`	—	Spends rewards only; `balance` unaffected — `amount` is 0.	Applied (0) · Reversed (0)
`rewards_redeemed`	—	Rewards 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`	—	Interest only: accrued interest — `interest_amount` nonzero; `principal_amount` and `fee_amount` zero.	Applied (+) · Reversed (−)
`reallocation`	—	Reallocation across principal / interest / fees — net-zero to `amount`.	Applied (0)

All three dispute types (dispute_provisional, dispute_won, dispute_lost) support both applied and reversed: a reversed transaction unwinds a previously reported dispute transaction of the same type, moving balance and dispute_balance in the opposite direction of the corresponding applied transaction.

Reference

Transactions Schema — every field, requiredness, and data types, including transfer_ids, funding_id, original_transaction_id, and the per-type settlement_date rules · Balance Reconciliation — the identities these classifications feed · Balances & Transactions Files Troubleshooting — the validation errors and fixes.

Banking Infrastructure

Lending & Receivables

Payment Rails

Customers & Accounts

Network Settlement

The Four-Field Classification

Transfer Types

Deposit Transaction Types

Credit Transaction Types

Reference

​The Four-Field Classification

​Transfer Types

​Deposit Transaction Types

​Credit Transaction Types

​Reference

The Four-Field Classification

Transfer Types

Deposit Transaction Types

Credit Transaction Types

Reference