Risk Event Messages

The Funding Exclusion message category displays withholdings of batch-level funds due to risk concerns.

Message Types	Descriptions
FUNDING REVIEW PENDING	A notification that indicates funds were held. Following this process, the withheld funds will either be released, or a review will begin. In most instances, transactions are quickly validated and will be released immediately following review. In the event that additional information is needed, the entire account will be reviewed and the merchant will be contacted.
APPROVED FOR NEXT FUNDING CYCLE	A message indicating that funding was approved for the next funding cycle.
HELD IN RESERVE	A notification that funds were diverted to a newly created reserve in an effort to secure an account. Following this event, the account may continue processing and funding with a partial reserve or may be terminated. An investigation usually follows this event.

This messaging category displays Nacha Hold information.

Message Type	Description
NEW HOLD NACHA	A notification sent when the settled dispute details are delivered through email to merchants. This message provides merchants a summary of all the chargebacks that have been resolved.
DAY 29 NACHA Hold Information	This notification is sent following 29 days of a NACHA Hold being unresolved. This is the final alert sent before an account automatically closes due to the 30-day limit for NACHA Holds.
NACHA COMPLETION - TERMINATION	This is the final NACHA Hold message sent following a termination of the NACHA hold process.
NACHA COMPLETION - RESOLVED	This is the final NACHA Hold message sent following the completion of the NACHA hold process.

The RMI Messages category notifies users of the ongoing events concerning an investigation.

Message Type

Description

Investigate Decision

This notification provides the final decision on a merchant account. This will include one of the following:

Investigate Status Update

This notification provides an update on the investigation including details of the review and the assigned analyst.

See below for potential status' Investigate Status Update messages.

One of the following potential statuses will be assigned to an Investigate Status Update message type:

The Transaction Exclusion [PTS Sale] message category displays messages relating to rejects due to transaction size.

Message Types	Description
TRANSACTION REVIEW PENDING	This notification indicates that recent transaction activity for this account is currently being evaluated. In most instances, transactions are quickly validated and will be released immediately following review. In the event that additional information is needed, the entire account will be reviewed and the merchant will be contacted.
AUTO APPROVE PTS	A notification indicating that the PTS transaction was excluded and auto-processed based on rules associated with an offsetting sale.
EXCLUDED FROM PROCESSING	This indicates that the transaction was not processed. This action was the final decision. If the merchant wishes to complete the sale they must use an alternative payment mechanism.
SUBMITTED FOR PRROCESSING	This notification indicates that the transaction activity was validated and will be reprocessed in the next funding cycle.