API Documentation

Transaction Types

CorePro 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

Tuple Meaning
Debit Card Specific
Starts with ATHA debit card based authorization transaction
Starts with CRDA debit card based transaction
Starts with REVA debit card based reversal transaction
ACH Specific
Contains UNKAffects an "Unknown" External Account, typically means an ACH transaction with CorePro acting as the RDFI (Receiving Depository Financial Institution), was received from the ACH network as the source account is not provided.
Starts with RTNA return of a previous ACH transaction against a Customer Account
Customer Accounts
Starts with CPTransaction Originated from CorePro, typically from processing an API request or Bulk Transfer Import file
Ends with DEPA deposit to a Customer Account
Ends with WTHA withdrawal from a Customer Account
Ends with XFRA transfer from one Customer Account to another owned by that same Customer
Program Accounts
Contains BNKAffects a Bank Income Account
Contains CSHAffects the Petty Cash Account
Contains INTAffects an Interest Accrual or Interest Expense Account
Contains MSCAffects a Miscellaneous Account
Contains PCLAffects a Program Clearing Account
Contains PXTAffects a Program External Account
Contains RCLAffects a Return Clearing Account
Contains RTLAffects a Retail Clearing Account
Contains RETAffects a Return Clearing Account
Contains RSVAffects a Program Reserve Account
Contains STLAffects a Card Settlement Account
Contains VERAffects a Verification Funds Account

Timeline Guide

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

  • ACH Transactions - If CorePro 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 settle instantly.

Type Detail

Code Description Possible Source(s) Debits Credits Settlement Note
ATHAFD Automated Fuel Dispenser Authorization ISO-8583 interface (card) Holds funds on customer account N/A Depends on message received; default is 72 hours  
ATHBLP Billpay Authorization ISO-8583 interface (card) Holds funds on customer account N/A Depends on message received; default is 72 hours  
ATHCDT Credit Adjustment Authorization

Deprecated

ISO-8583 interface (card)        
ATHCSH ATM Cash Withdrawal Authorization ISO-8583 interface (card) Holds funds on customer 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 Debit Adjustment Authorization ISO-8583 interface (card) Holds funds on customer 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 ATM Deposit Authorization

Deprecated

ISO-8583 interface (card)        
ATHFTC Peer-to-Peer Funds Transfer Credit Authorization

Deprecated

ISO-8583 interface (card)        
ATHFTD Peer-to-Peer Funds Transfer Debit Authorization ISO-8583 interface (card) Holds funds on customer 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)
ATHPCH Purchase Authorization ISO-8583 interface (card) Holds funds on customer 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)
ATHPOB Point-of-Business Deposit Authorization

Deprecated

ISO-8583 interface (card)        
ATHRTN Merchandise Return Authorization

Deprecated

ISO-8583 interface (card)        
ATHXFR Internal Account Transfer Authorization

Deprecated

ISO-8583 interface (card)        
BACKWH Withdrawal from a Customer Account to the Backup Withholding account. Interest Processing Customer Account Backup Withholding Account Instant Applicable only on interest-bearing accounts whose customer has isSubjectToBackupWithholding set to true
BCKADJ Withdrawal from Backup Withholding account to a Customer Account. 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 Deposit to a Customer Account from the Bank Income account CorePro API or Admin Console Bank Income Account Customer Account Instant Typically related to fees gathered by the financial institution
BNKWTH Withdrawal from a Customer Account to the Bank Income account CorePro API or Admin Console Customer Account Bank Income Account Instant Typically related to fees gathered by the financial institution
CPDEP Deposit to a Customer Account from an External Account originated via CorePro CorePro API, Bulk Transfer File, or Admin Console Account owned by the customer at another financial institution Customer Account ACH transactions are 1-2 business days. Non-ACH transactions are instant. Any Customer Account whose type is NOT Prepaid results in an ACH transaction.
CPWTH Withdrawal from a Customer Account to an External Account originated via CorePro CorePro API, Bulk Transfer File, or Admin Console Customer Account Account owned by the customer at another financial institution ACH transactions are 1-2 business days. Non-ACH transactions are instant. Any Customer Account whose type is NOT Prepaid results in an ACH transaction.
CPXFR Transfer from one Customer Account to another Customer Account CorePro API or Admin Console Customer Account Customer Account (same customer, different account) Instant  
CRDAFD Automated Fuel Dispenser Withdrawal ISO-8583 interface (card) Card Settlement Account Customer Account Depends on message; typically instant. Will automatically and instantly settle any corresponding ATHAFD authorization transaction, if any
CRDBLP Billpay Withdrawal ISO-8583 interface (card) Customer Account Card Settlement Account Depends on message; typically instant. Will automatically and instantly settle any corresponding ATHBLP authorization transaction, if any
CRDCDT Credit Adjustment ISO-8583 interface (card) Card Settlement Account Customer Account Depends on message; typically instant.  
CRDCSH ATM Cash Withdrawal ISO-8583 interface (card) Customer Account Card Settlement Account Depends on message; typically instant. Will automatically and instantly settle any corresponding ATHCSH authorization transaction, if any
CRDDBT Debit Adjustment ISO-8583 interface (card) Customer Account Card Settlement Account Depends on message; typically instant. Will automatically and instantly settle any corresponding ATHDBT authorization transaction, if any
CRDDEP ATM Deposit ISO-8583 interface (card) Card Settlement Account Customer Account Depends on message; typically instant.  
CRDFTC Peer-to-Peer Funds Transfer Credit ISO-8583 interface (card) Card Settlement Account Customer Account Depends on message; typically instant.  
CRDFTD Peer-to-Peer Funds Transfer Debit ISO-8583 interface (card) Customer Account Card Settlement Account Depends on message; typically instant. Will automatically and instantly settle any corresponding ATHFTD authorization transaction, if any
CRDPCH Purchase ISO-8583 interface (card) Customer Account Card Settlement Account Depends on message; typically instant. Will automatically and instantly settle any corresponding ATHPCH authorization transaction, if any
CRDPOB Point-of-Business Deposit ISO-8583 interface (card) Card Settlement Account Customer Account Depends on message; typically instant.  
CRDRTN Merchandise Return ISO-8583 interface (card) Card Settlement Account Customer Account Depends on message; typically instant.  
CRDXFR Internal Account Transfer ISO-8583 interface (card) Customer Account Customer Account (same customer, different account) Depends on message; typically instant.  
CSDEPP Deposit into Petty Cash Account CorePro Admin Console Card Settlement Account Petty Cash Account Instant  
CSDEPI Deposit into a Customer Account CorePro Admin Console Card Settlement Account Customer Account Instant  
CSHDEP Deposit into a Customer Account, either via cash or a physical check Admin Console Petty Cash Account Customer Account Instant  
CSHRET Withdrawal from the Cash account to the Return Clearing account Admin Console Petty Cash Account Return Clearing Account Instant  
CSHRSV Withdrawal from the Cash account to the Program Reserve account Admin Console Petty Cash Account Program Reserve Account Instant  
CSHWTH Withdrawal from a Customer Account, either to cash or to cut a check CorePro API or Admin Console Customer Account Petty Cash Account Instant  
CSIWTH Withdrawal from a Customer Account to Card Settlement CorePro Admin Console Customer Account Card Settlement Account Instant  
CSPWTH Withdrawal from Petty Cash Account to Card Settlement CorePro Admin Console Petty Cash Account Card Settlement Account Instant  
GENDEP Deposit to the General Journal account.

Deprecated

Admin Console     Instant Will be used only in extreme circumstances and by CorePro administrators only.
GENWTH Withdrawal from the General Journal account.

Deprecated

Admin Console     Instant Will be used only in extreme circumstances and by CorePro administrators only.
INTACR Amount of interest accrued for a given product on a given day Interest Processing Interest Expense Account Interest Accrual Account Instant One summary transaction is written per product per day denoting the total amount accrued across all eligible accounts.
INTADJ Interest Accrued Contra for a Customer Account Interest Processing or Admin Console Customer Account Interest Accrual Account Instant Used only in a very rare circumstance when funds must be moved back into Interest Accrued from a Customer Account.
INTPD Interest Paid to a Customer Account Interest Processing Interest Accrual Account Customer Account Instant Paid per Payment Frequency setting. Typically on a monthly basis.
MSCDEP Deposit to a Customer Account from the Miscellaneous account CorePro API or Admin Console Miscellaneous Account Customer Account Instant Typically related to fees gathered by the client
MSCWTH Withdrawal from a Customer Account to the Micellaneous account. Typically represents a fee CorePro API or Admin Console Customer Account Miscellaneous Account Instant Typically related to fees gathered by the client
PCLDEP Deposit to a Customer Account from the Program Clearing account CorePro API or Admin Console Program Clearing Account Customer Account Instant  
PCLWTH Withdrawal from a Customer Account to the Program Clearing account CorePro API or Admin Console Customer Account Program Clearing Account Instant  
PXTDEP Deposit to a Customer Account from the Program External account CorePro API or Admin Console Program External Account Customer Account Instant  
RCLDEP Deposit to a Customer Account from the Return Clearing account CorePro API or Admin Console Return Clearing Account Customer Account Instant  
RCRDEP Recurring deposit into a Customer Account CorePro API or Bulk Transfer File Customer External Account Customer Account ACH-based, so 1-2 business days  
REVAFD Reversal of Automated Fuel Dispenser Withdrawal ISO-8583 interface (card) Card Settlement Account Customer Account Instant If reversing an authorization transaction ATHAFD, no funds are moved but hold is released. If reversing a card transaction CRDAFD, funds are moved.
REVBLP Reversal of Billpay Withdrawal ISO-8583 interface (card) Card Settlement Account Customer Account 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 Reversal of Credit Adjustment ISO-8583 interface (card) Card Settlement Account Customer Account Instant If reversing an authorization transaction ATHCDT, no funds are moved but hold is released. If reversing a card transaction CRDCDT, funds are moved.
REVCSH Reversal of ATM Cash Withdrawal ISO-8583 interface (card) Card Settlement Account Customer Account 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 Reversal of Debit Adjustment ISO-8583 interface (card) Card Settlement Account Customer Account Instant Reverses a debit adjustment CRDAFD.
REVDEP Reversal of ATM Deposit ISO-8583 interface (card) Customer Account Card Settlement Account Instant Reverses a deposit CRDDEP.
REVFTC Reversal of Peer-to-Peer Funds Transfer Credit ISO-8583 interface (card) Customer Account Card Settlement Account Instant If reversing an authorization transaction ATHFTC, no funds are moved but hold is released. If reversing a card transaction CRDFTC, funds are moved.
REVPCH Reversal of Purchase ISO-8583 interface (card)
REVPOB Reversal of Point-of-Business Deposit ISO-8583 interface (card) Customer Account Card Settlement Account Instant If reversing an authorization transaction ATHPOB, no funds are moved but hold is released. If reversing a card transaction CRDPOB, funds are moved.
REVRTN Reversal of Merchandise Return ISO-8583 interface (card) Customer Account Card Settlement Account Instant If reversing an authorization transaction ATHRTN, no funds are moved but hold is released. If reversing a card transaction CRDRTN, funds are moved.
RSVCSH Withdrawal from the Program Reserve account to the Cash account CorePro Admin Console Program Reserve Account Petty Cash Account Instant  
RSVDEP Deposit to a Customer Account from the Program Reserve account CorePro API or Admin Console Program Reserve Account Customer Account Instant  
RSVSTL Deposit to Card Settlement account from the Program Reserve account CorePro Admin Console Program Reserve Account Card Settlement Account Instant  
RSVUNK 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 CorePro). An "Unknown" withdrawal means the tag property will always be empty on this transaction, since it did not originate from CorePro. ACH File Processing Program Reserve Account Account at another financial institution Instant Funds are "pulled" out of CorePro by processing an ACH file received from the ACH network.
RSVWTH Withdrawal from a Customer Account to the Program Reserve account CorePro API or Admin Console Customer Account Program Reserve Account Instant  
RTLDEP Deposit to a Customer Account from the Retail Clearing account CorePro API or Admin Console Retail Clearing Account Customer Account Instant  
RTLWTH Withdrawal from a Customer Account to the Retail Clearing account CorePro API or Admin Console Customer Account Retail Clearing Account Instant  
RTNDEP Return of a previous deposit into a Customer Account. (i.e. this transaction represents a withdrawal from a Customer Account) ACH File Processing Customer Account Account at another financial institution ACH, 1-2 business days This is an ACH transaction that could not be completed properly, and it is being returned via the ACH network.
RTNWTH Return of a previous withdrawal from a Customer Account. (i.e. this transaction represents a deposit to a Customer Account) ACH File Processing Account at another financial institution Customer Account ACH, 1-2 business days This is an ACH transaction that could not be completed properly, and it is being returned via the ACH network.
STLRSV Deposit to Program Reserve account from the Card Settlement account CorePro Admin Console Card Settlement Account Program Reserve Account Instant  
STLUNK Deposit to Unknown External account from the Card Settlement account CorePro Admin Console Card Settlement Account Unknown External Account ACH, 1-2 business days This is an ACH transaction that could not be completed properly, and it is being returned via the ACH network.
UNKDEP 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 CorePro). An "Unknown" deposit means the tag property will always be empty on this transaction, since it did not originate from CorePro. ACH File Processing Account at another financial institution Customer Account Instant This is an ACH transaction that "pushed" funds in from the ACH network.
UNKRET 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 CorePro). ACH File Processing Account at another financial institution Return Clearing Account Instant This is an ACH transaction that "pushed" funds in from the ACH network.
UNKRSV 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 CorePro). ACH File Processing Account at another financial institution Program Reserve Account Instant This is an ACH transaction that "pushed" funds in from the ACH network.
UNKWTH 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 CorePro). An "Unknown" withdrawal means the tag property will always be empty on this transaction, since it did not originate from CorePro. ACH File Processing Customer Account Account at another financial institution Instant This is an ACH transaction that "pulled" funds out to the ACH network.
VERDEP Deposit of verification funds to the Verification Funds account from an external account. (aka micro-transactions for verifying an external account) CorePro API or Admin Console Account at another financial institution Verification Funds Account ACH-based, so 1-2 business days This is an ACH transaction that "pulled" funds in from the ACH network.
VERWTH Withdrawal of verification funds from the Verification Funds account out to an external account. (aka micro-transactions for verifying an external account) CorePro API or Admin Console Verification Account Account at another financial institution ACH-based, so 1-2 business days This is an ACH transaction that "pushed" funds out to the ACH network.

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