This is a collection of common type definitions that are shared between objects.
Payment Provider Transaction Status Codes
SW
Status Code
Description
SW010
Established
SW013
Canceled
SW020
Authorization received
SW021
Authorization denied
SW051
Merchant error
SW052
Financial Institution error
SW053
Internal network error
SW054
Suspicious transaction activity
SW055
Negative data
SW056
Invalid account
SW057
Expired split token
SW059
Instant transaction rejected due to risk
SW060
Bank or network processor is down
User Canceled (UC)
Status Code
Description
UC01
User canceled the transaction at bank selection page
UC02
User canceled the transaction at login page
UC03
User canceled the transaction at invalid login page
UC04
User canceled the transaction at challenge question page
UC05
User canceled the transaction at invalid answers for challenge questions page.
UC06
User canceled the transaction at MFA page
UC07
User canceled the transaction at invalid MFA page
UC08
User canceled the transaction at account selection page
UC09
User canceled the transaction at error page
UC10
User canceled the transaction at partial account number page
UC11
User canceled the transaction at select account location page
UC12
User canceled the transaction because it does not have a bank on the list
UC13
User canceled the transaction at login with captcha page
UC14
User canceled the transaction at captcha validation page
UC15
User canceled the transaction at manual account input page
UC16
User canceled the transaction at manual account confirmation page
UC17
User canceled the transaction at MCD confirmation page
UC18
User canceled the transaction at MCD validation page
UC19
User canceled the transaction at account profile input page
UC20
User canceled the transaction at no dynamic balance page
UC21
User canceled the transaction at partial account not supported page
UC22
User canceled the transaction at security script page
UC23
User canceled the transaction at account not supported page
UC24
User canceled the transaction at authorize page with exception
UC25
User canceled the transaction at bad account page
UC26
User canceled the transaction at the bank's reset password screen
UC27
User canceled the transaction because the bank was unavailable
UC28
User canceled the transaction at an external screen
UC29
User canceled the transaction due to a timeout
UC30
User canceled on the manual entry screen after an invalid routing or account number entry
UC31
User canceled on the manual entry screen due to related information (SWIFT code or address) not being found
Accepted Communication (AC)
Status Code
Description
AC100
AC Pending
AC101
AC Declined
AC102
AC Approved
AC103
AC Error
AC104
AC Voided
AC105
AC Processed
AC106
AC Collected
AC107
AC Awaiting Capture
AC108
AC Awaiting Approval
AC109
AC Suspended
AC110
AC In Collection
AC111
AC In Research
AC112
AC Disputed
AC113
AC Uncollected, Insufficient Funds
AC114
AC Invalid or Closed Account
AC115
AC Other Returns
AC116
AC None
AC117
AC Expired
AC118
AC Settled
System Error (SE)
Status Code
Description
SE01
System in maintenance mode
SE02
System error connecting to API services
SE03
System error connecting to financial services gateway
R ACH Return Code
Status Code
Description
R01 to R84
ACH return codes 01 to 84.
Canada EFT Decline Codes
Status Code
Description
900
Account information incorrectly entered
901
Insufficient Funds
902
Account not Found
903
Payment Stopped/Recalled
904
Post/Stale Dated
905
Account Closed
907
No Debit Allowed
908
Funds Not Cleared
909
Currency/Account Mismatch
910
Payor/Payee Deceased
911
Account Frozen
912
Invalid/Incorrect Account No
914
Incorrect Payor/Payee Name
915
No Agreement Existed - Business/Personal Refused
916
Not in accordance with Agreement - Personal
917
Agreement Revoked - Personal
918
No Confirmation/Pre-Notification - Personal
919
Not in accordance with Agreement - Business
920
Agreement Revoked - Business
921
No Pre-Notification - Business
922
Customer Initiated Return - Credit Only
990
Institution in Default
996
Chargeback
Payment Provider Types
Code
Description
1
Online Banking
2
Manual Electronic Check
Payment Types
Value
Name
Description
2
Deferred
Deferred payment. Payment is authorized but the capture operation must be called to initiate the debit. You can start to initiate multiple captures that are less than or equal to the original transaction authorization amount.
3
Recurring
Recurring payment. Same as deferred but associated with a payment agreement between consumer and merchant that defines how much and when the capture can be started.
4
Disbursement
Disbursement payment. This payment type can only be used for disbursements.
5
Verification
This payment type is used to verify the customer financial institution account as the payments will be done outside of Trustly system.
6
Retrieval
Data retrieval. This payment type is used to retrieve account and user information from Trustly without an associated payment request. This payment type is not enabled by default. Contact Trustly if you need this feature.
Transaction Status Values
Value
Name
Description
0
New
This is the initial status after the transaction is created but before the consumer chooses a financial institution for payment. Transactions in the new state are visible only through Notification or the API status operations, not through the Merchant Portal.
1
Pending
Payment is pending. This is the initial transaction status when the consumer has the Pay Panel open but has not yet authorized the transaction. Transactions in the Pending state are visible only through Notification or the API status operations, not through the Merchant Portal.
2
Authorized
Payment was authorized by the consumer (they have selected their account and clicked ‘Pay') but the ACH has not yet been submitted for processing.
3
Processed
Transaction was processed. The ACH debit has been submitted to the ACH network after authorization by the consumer.
4
Completed
Transaction was paid, funds transferred.
5
Failed
Internal failure of transaction. (Unrelated to the merchant).
6
Expired
Pending transaction timed out before the consumer authorized the payment via the Pay Panel.
7
Canceled
Transaction was canceled by the consumer by closing the Pay Panel prior to the transaction being authorized or canceling the transaction from the Pay Panel.
8
Denied
Money transfer was denied, consumer account does not have enough funds.
10
Reversed
Payment was reversed (charged back by the bank or Trustly).
11
Partially Refunded
Payment was partially refunded.
12
Refunded
Payment was refunded.
13
Voided
Authorization was voided by the merchant. This occurs when the 'cancel' API is invoked or the transaction is canceled in the Merchant Portal (this must be done prior to the transaction being moved to ‘Processed' status).
14
OnHold
A transaction is put on hold after authorization if something is preventing the normal flow, such as when an ACH debit could not be initiated, or if the Trustly wants the merchant to verify that it really approves of this customer authorizing this amount. The payment may take longer to process than usual. Note: if a transaction is On Hold, you can verify it through the Merchant Portal to let it resume the normal flow of payment processing. Currently, there is no equivalent way to do that verification through the API.
Transaction Types
Value
Name
Description
0
External
This transaction is created when the Feedback API is called to update the status of a transaction created with a paymentType of Retrieval.
1
Authorize
This is a transaction created with paymentType is Deferred or Recurring.
2
Pay
This is a transaction created with paymentType of Instant.
3
Capture
Capture transactions are created with the Capture API.
4
Refund
Capture transactions are created with the Refund API.
5
Reverse
A reverse transaction is created when the payment is charged back by the bank (payment provider).
6
Deposit
Deposit transactions are created with the Deposit API.
7
Reclaim
Reclaim transactions are created with the Reclaim API.
8
Representment
A representment transaction represents an attempt to reprocess a previously denied Capture transaction.
9
Tokenization
10
Preauthorization
Preauthorization transactions are created with the Preauthorization API.
11
Guarantee
Verification Mode
Code
Name
Description
1
VerifiedByMerchant
...
2
ApprovedByMerchant
...
3
VerifiedByTrustly
...
4
AmountAuthorizedByMerchant
...
Verification Status
Code
Name
Description
1
Automatic
Payment verification followed Trustly internal rules.
2
ToVerify
Payment transaction is held (status = OnHold) for further investigation and approval by the merchant.
3
Verified
Payment was verified and approved by the merchant or Trustly (see Verification Mode).
4
Refused
Payment was denied by the merchant or Trustly after verification.
Verification Types
Code
Name
Description
0
Not Verified
The Account was not verified.
1
Micro-deposits
The Account was verified using a micro-deposit process.
2
Online Banking verification
The Account was verified using the Trustly Online Banking application.
3
Database verification
The Account was verified using the Trustly database or a Third Party Service.
FCRA Verification Score Values
The table below maps Trustly FCRA Verification score values to a related verified value.
Score
Description
Verified Mapping
0
Invalid input. The account or routing number are invalid.
false
1
There is a strong indication that the account is invalid.
false
2
There are active non-bankable returns on this account that are less than 3 years old.
false
3
There are administrative returns on this account.
false
4
The format appears to be suspicious.
false
5
There is no data on this account or format.
false
6
We have not seen this account, but the format appears to be valid.
true
7
We have seen this account but have not received a final disposition on the transaction.
true
8
We have seen this account, but not in the last 6 months, and have seen no returns associated with the account.
true
9
We have seen this account in the last 6 months and have seen no returns associated with the account.
true
10
This account has been directly validated with/by the financial institution or 3rd party. We have the highest confidence that this account is valid.
true
FCRA Verification Third Party Score Values
The table below maps Trustly Verification thirdParty values to a related score value.
Score
Description
Verified Mapping
0
Failed RT validation.
0
100
TeleCheck has a strong indication that this account is invalid.
1
200
TeleCheck has active non-bankable debt(s) on this account that are less than 3 years old.
2
300
TeleCheck has administrative returns on this account.
3
400
TeleCheck does not have Neg data on this account, but the format appears to be suspicious.
4
500
TeleCheck does not have data on this account or format.
5
600
TeleCheck has not seen this account, but the format appears valid.
6
700
TeleCheck has seen this account, but did not receive a final disposition on the transaction.
7
800
TeleCheck has seen this account, but not in the last 6 months.
8
900
TeleCheck has seen this account in the last 6 months.
9
999
TeleCheck has the highest confidence that this account is valid.
10
Non-FCRA Verification Score Values
The table below maps Trustly non-FCRA Verification score values to a related verified value.
Score
Description
Verified Mapping
15
Known bad bank account.
false
20
Unknown bank account, but format appears valid.
false
25
Unknown bank account, but format appears suspicious.
false
35
Bank account seen but transaction not yet settled (5 days).
