MRDC API Endpoints

MRDC Agreement

MRDC agreement is an additional feature that will allow MRDC to be used as a termsIdentifier so that Partners can indicate if a customer has accepted the MRDC terms (agreement). Initially, all programs will be configured to not enforce terms acceptance. This feature is only available for programs that have been configured to support it.

Once the system is configured to enforce terms acceptance for a feature, any customer that does not accept the terms for that feature will not be allowed to use the feature. For any programs, where customers are already using features that may require explicit terms acceptance, a data backfill will be required for those customers prior to enforcement being enabled.

Please work with your Green Dot Account Manager and/or Product Manager to understand the impact and transition plan for your program and features.

Accept MRDC Terms (involves Partner API changes)

Call POST Enrollments or PUT Accounts with:
1. termsIdentifier: MRDC and
2. termsAcceptanceFlag: true
The MRDC Agreement will then be saved as accepted.
Call GET Accounts to retrieve the MRDC Agreement.

Reject MRDC Terms

Call PUT Accounts with:
1. termsIdentifier: MRDC and
2. termsAcceptanceFlag: false
The MRDC Agreement will then be saved as rejected.
Call GET Accounts to retrieve the MRDC Agreement.

Example: PUT https://bospart/baas/v1/programs/acme/accounts/11e56a47-5b3c-4c1d-9022- c248b0f41f69

)
{
   "termsAcceptances":[
      {
         "termsIdentifier":"mrdc",
         "termsAcceptanceFlag":"true",
         "termsAcceptanceDateTime":"2019-07-15T19:48:15.640Z"
      }
   ]
}

RCDTier and MRDC

Note: This feature is available only to programs with MRDC enabled.

Partners have the option to own Instant Funds eligibility or to allow Green Dot to determine Instant Funds eligibility.

If a Partner has requested to be configured to manage hold periods or instant funds on check deposits (instantFundManaged: true), then Green Dot will apply a hold period based on the RDCTier assigned by the Partner to the account. The Partner will be responsible for adding the account subscription with applicable hold period tier to the account.

Remote Check Deposit Tier (RCDTier)	Hold Period
RDC0	0-day hold period
RDC1	1-day hold period
RDC2	2-day hold period
RDC3	3-day hold period
RDC4	4-day hold period
RDC5	5-day hold period
RDC8	8-day hold period
RDC10	10-day hold period

If the instantFundManaged flag is set to false, Green Dot will check for Instant Funds eligibility and apply the hold period based on the results. Green Dot will be responsible for checking Instant Funds eligibility.

Note: Partners who are configured with instantFundManaged must first assign check deposit tiers (CDTier) to accounts to use MRDC and to manage MRDC hold periods.

Call PUT /features/{featureID} to add a CDTier.
MRDC transfers are not allowed if a CDTier is not assigned to the account.
CDTiers are mutually exclusive, meaning an account can only be enrolled in one CDTier at a time.

Response Codes

Code	subCode	Description	Check Deposit Status
917	4026	Missing Feature Id for Instant fund Managed Customer	Declined

Obtain MRDC Transfers On Hold

This endpoint obtains MRDC transfers that are on hold for a specific account.

API Call Structure

GET /programs/{programCode}/accounts/{accountIdentifier}/transfers/onHold

Response Body

{

"transfers": [

{

"transferIdentifier": "string",

"accountIdentifier": "string",

"initiator": "string",

"transferType": "string",

"isSource": true,

"transferStatus": "string",

"transactionAmount": 0,

"mobilePhoneNumber": "string",

"firstName": "string",

"lastName": "string",

"userName": "string",

"memo": "string"

}

],

"responseDetails": [

{

"code": 0,

"subCode": 0,

"description": "string",

"url": "string"

}

]

}

Parameters

Refer to API Call Structure Field Definitions for full details.

Create New MRDC Transfer

This endpoint allows you to:

Create new MRDC transfers
Run check deposits through a pre-validation process where the user is forced to either accept the “Funds Available Date” or a “Manual Review”.

Note: After the pre-requisites are met for the “Submit Check” call internally, the POST transfers/mrdc moves forward for further processing and the following results may occur.

API Call Structure

POST /programs/{programCode}/transfers/mrdc

Result	Description
Check Declined	Terminal state based on limits and risk models. A check can be declined in real-time. It can also be approved and returned later. If this happens, a webhook will be published. Note: Not the same as a returned check or insufficient funds.
Check Approved with a Funds Available Date	Status is pending until the user accepts the funds available date.
Check in Review	Status is pending and based on limits and risk models. Will remain in review until the user accepts the review by an agent (manual review). If the check is declined by the agent, its status becomes terminal in the Mobile Remote Deposit Capture (MRDC) system. Note: During manual review, the transfer status is pending, and the deposit status is review.
Check Deposit Cancelled	User’s check deposit may be cancelled due to multiple reasons. Please refer to the MRDC Response Codes table for a list of possible reasons. Note: Cancellation reasons will not count against the velocity limit.

If a user’s account changes to a non-normal status between the time that they submit a check and the time it is posted, then the deposit will fail. Note: A normal account status is one of the pre-requisites that users must meet in order to submit a check.

How it Works

Once a check is placed under Manual Review, it will go through the following process:
- The customer will be prompted to accept the review by agent.
- If the customer accepts the review by agent, the check will be accepted and marked for agent review.
- The agent will complete the manual review.
  - If the check is declined, a webhook containing the subStatus declinedByAgent will be returned and the transaction will be declined.
  - If the check is approved, a webhook containing the subStatus fundsScheduled and the funds available date will be returned.
  - The funds will post to the customer’s account on the funds available date and a webhook containing the subStatus fundsPosted and the transferStatus completed will be returned.
Once a check is accepted with a funding date available, it will go through the following process:
- The customer will be prompted to accept the funding date.
- If the customer accepts the funding date, the check will be accepted.
  - The funds will post to the customer’s account on the funds available date and a webhook containing the subStatus fundsPosted and the transferStatus completed will be returned.

Image Best Practices

Sample Request Body

{
   "transferIdentifier":" 46cee849-79ae-4865-a1b4-450697803141",
   "currency":"USD",
   "transferRoute":{
      "transactionAmount":5.45,
      "sourceTransferEndpoint":{
         "latitude":34.1539941,
         "longitude":-118.0917594,
         "encryptedCheckImageData":{
            "version":"string",
            "ephemeralPublicKey":"string",
            "publicKeyHash":"string",
            "data":"string"
         },
         "imageFormat":"jpeg",
         "device":{
            "deviceID":"8E847BB848CDAECA94888E847BB848CDAECA9488",
            "deviceMake":"Apple",
            "deviceVersion":"iPhone4G",
            "deviceOS":"iOS",
            "deviceOSVersion":"12.1.2"
         }
      },
      "targetTransferEndpoint":{
         "accountIdentifier":"string"
      }
   },
   "fraudData":{      
   }
}
Unencrypted Check Image
{
   "frontCheckImage":"string",
   "backcheckImage":"string"
}

Request Parameters

Field	Description
transferIdentifier	Unique identifier for the transfer.
currency	String value that returns the account currency provided as an Alpha-3 ISO currency code. Default is USD.
transferRoute
transactionAmount	The amount of the check.
sourceTransferEndpoint	Required
latitude	Required
longitude	Required
encryptedCheckImageData	Required
imageFormat	Required. Note: Internally, this is currently hardcoded to use jpeg only.
device	If the device is provided, then the deviceID is required.
deviceID	Required. Identifier of the device used to capture the check image.
deviceMake	Optional. Name of the manufacturer of the device. Example: Nokia, Apple, Samsung, etc.
deviceVersion	Optional field. Model of the device. Example: Lumina, iPhone4G, Galaxy Note II, etc.
deviceOS	Optional field. Name of the operating system that is running on the device. Example: iOS, Android
deviceOSVersion	Optional field. Version of the operating system that is running on the device. Example: 2.1, 2.2, etc.
targetTransferEndpoint	Required field
accountIdentifier	Required field

Sample Response – Submit Check Happy Path

{
   "transfer":{
      "transferIdentifier":"64beeea0-8ed2-4862-9364-39d21f3a8ff9",
      "transferStatus":"pending",
      "checkDeposit":{
         "checkDepositStatus":"pending",
         "checkDepositSubStatus":"pendingUserAcceptance",
         "transactionAmount":50.0,
         "checkSubmitDate":"2020-08-19T19:44:47.255Z",
         "fundsAvailableDate":"2020-08-26T19:44:47.255Z"
      }
   },
   "responseDetails":[
      {
         "code":0,
         "subCode":0,
         "description":"Success",
         "url":"http://tbd"
      }
   ]
}

Sample Response – declinedByRisk

{
   "responseDetails":[
      {
         "code":913,
         "subCode":2022,
         "description":"Fraud system declined",
         "url":"http://tbd"
      }
   ],
   "transfer":{
      "transferIdentifier":"77927b7b-d2a4-445e-a659-d0bac2fee360",
      "transferStatus":"declined",
      "checkDeposit":{
         "checkDepositStatus":"declined",
         "checkDepositSubStatus":"declinedByRisk",
         "transactionAmount":50.00,
         "checkSubmitDate":"2019-05-16"
      }
   }
}

Response Parameters

Field	Required (Y/N)	Description
checkDepositTransactionId	Yes	transactionId generated by MRDC
fundsAvailableDate	No	The date (UTC) the funds will be available, if the check is approved. Note: This field is included in the response for instant funding or regular funding with non-manual review only.
transferStatus	Yes	Status of transfer. String responses: • pending • declined • review
amount	Yes	Transfer Amount
checkSubmitDate	Yes	Date (UTC) when the check was submitted
checkDepositReferenceId	No	Platform generated ID for the check that is being deposited

Note: The following outcomes are supported at this stage of development.

Scenarios	Return Statuses	Notes
Check Deposit is approved	• transferStatus: pending • checkDepositStatus: pending • checkDepositSubStatus: pendingUserAcceptance	The fundsAvailableDate will also be returned.
Check deposit is declined	• transferStatus: declined • checkDepositStatus: declined • checkDepositSubStatus: declined or declinedByRisk	A declined check may still be qualified for resubmission.
Prerequisites are not met	• transferStatus: declined • checkDepositStatus and checkDepositSubStatus are not returned	Response Codes: • code: 3 • subCode: 131 • description: One or more prerequisites not met

Invalid Routing Number

Routing numbers will be validated for submitted checks.

Sample Request Body

{
   "transferIdentifier":"eb9494f9-d4db-4389-b1db-a065c13103ae",
   "currency":"USD",
   "transferRoute":{
      "transactionAmount":"10.0",
      "sourceTransferEndpoint":{
         "latitude":"34.1539941",
         "longitude":"-118.0917594",
         "encryptedCheckImageData":{
            "version":"EC_v1",
            "ephemeralPublicKey":"string”,
            "imageFormat": ""jpeg"",
            "device": {
            “deviceID”: 
            "8J847CX848CDAECA94888E847BB848CDAECA9488",
            "deviceMake": ""Apple"",
            "deviceVersion": ""iPhoneXS"",
            "deviceOS": ""iOS"",
            "deviceOSVersion": "12.1.2"
            }
         },
         "targetTransferEndpoint": {
             "accountIdentifier": "3f034af7-be57-4a2c-9aee-36a8c3221325"
	},
	"fraudData": {}		
  }
}

Sample Response Body

{
   "transfer":{
      "transferIdentifier":"f6381354-e88f-4cca-a22d-45ebffdb9565",
      "transferStatus":"declined",
      "checkDeposit":{
         "checkDepositStatus":"declined",
         "checkDepositSubStatus":"declined",
         "transactionAmount":10.0,
         "checkSubmitDate":"2020-05-05T19:44:47.255Z"
      }
   },
   "responseDetails":[
      {
         "code":909,
         "subCode":4037,
         "description":"Invalid routing number",
         "url":"http://tbd"
      }
   ]
}

Response Codes

Code	Category Note: Not returned to Partner via API. Only provided in documentation.	subCode	Description Note: Returned to Partner via API.	Check Deposit Status	Display Recommendations	How to Test
909	Failed to process due to invalid routing number	4037	Invalid routing number	Declined	Client may display literal phrase	Test with an incorrect routing number for the submitted check. The routing number can be any nonexistent routing number.

Obtain MRDC Transfer

Accept or Cancel Check Deposit Request

After a check is submitted and the checkDepositStatus is either pending or in review, this endpoint forces the customer to either accept or cancel the check deposit request.

API Call Structure

PUT /programs/{programCode}/accounts/(accountIdentifier}/transfers/{transferIdentifier}/mrdc

Sample Request Body

{
   "transferAuthorizationType":"accept""OR""cancel"
}

Sample Response – Update Check (Accept)

{
   "transfer":{
      "transferIdentifier":"14a4f8e4-9b5e-4ce3-bd2b-1953f6f8ac7f",
      "transferStatus":"pending",
      "checkDeposit":{
         "checkDepositStatus":"approved",
         "checkDepositSubStatus":"fundsScheduled",
         "transactionAmount":50.00
      }
   },
   "responseDetails":[
      {
         "code":0,
         "subCode":0,
         "description":"success",
         "url":"http://tbd"
      }
   ]
}

Sample Response – Update Check (Cancel)

{
   "transfer":{
      "transferIdentifier":"7234b607-4811-420e-beba-0329ce645642",
      "transferStatus":"canceled",
      "checkDeposit":{
         "checkDepositStatus":"canceled",
         "checkDepositSubStatus":"canceledByCustomer",
         "transactionAmount":50.00
      }
   },
   "responseDetails":[
      {
         "code":0,
         "subCode":0,
         "description":"success",
         "url":"http://tbd"
      }
   ]
}

Obtain Check Images by Transfer ID

This API contains check images for a specific transfer ID.

API Call Structure

GET /programs/{programCode}/accounts/{accountIdentifier}/transfers/{transferIdentifier}/mrdc/checkImage

Request Parameters

X-GD-RequestID (Required)
accountIdentifier (Required)
transferIdentifier (Required)
programCode (Required)
colorImage (Boolean Value)

For more information, refer to API Call Structures.

Response Body

{
  "encryptedCheckImageData": {
    "version": "string",
    "ephemeralPublicKey": "string",
    "publicKeyHash": "string",
    "data": "string"
  },
  "checkImageData": {
    "frontCheckImage": "string",
    "backCheckImage": "string"
  },
  "responseDetails": [
    {
      "code": 0,
      "subCode": 0,
      "description": "string",
      "url": "string"
    }
  ]
}

Appendices

MRDC Response Codes

The following categories are not returned to you via the API. So, we are providing them here for your reference. However, you will receive the following descriptions via the API.
Many of the errors listed under the “How to Test” column are not expected and seldom occur in production.
There are a few limit errors that apply to the upper limits. If a lower limit is exceeded but an upper limit is not exceeded, then that is considered a successful request. However, the check will be placed into manual review.

Code	Category	Sub-Code	Description	Check Deposit Status	Display Recommendations	Treatment	How to Test
0	Success	0	Successful	Pending
901	Failed to start	10	System Failure	Decline	Display a generic system error message.	Wait 20 seconds and retry.	Should only occur in non-production when submitting checks for the same account without waiting enough time in between submissions.
901	Failed to start	4004	Invalid Image Format	Declined	Display a generic system error message, if the image format is controlled by the client application.	Provide a valid image type property. Only jpg supported at this time.	N/A (Only jpg is supported at this time)
901	Failed to start	4001, 4002, 4003, 4005, 4006, 4007	System Failure	Declined	Display a generic system error message	Contact Partner Support	N/A (unexpected error)
902	Failed to process	4008, 4009, 4010, 4013	System Failure	Declined	Display a generic system error message	Contact Partner Support	N/A (unexpected error)
903	Failed to process due to image error	4011	Invalid or missing front or back image	Declined	The Partner API will return an http status 400 error before this condition is reached. {"responseDetails":[{"code":100,"description":"The schema was malformed.","url":"http://tbd"}]}	The client application should enforce this. It should request that the user provide both the front and back of image, before submission.	This should be prevented by the partner application.
904	Failed to process due to invalid amount	4012	Invalid Amount exceeded max amount	Declined	Client should use a custom message and prevent this from being entered.	Max supported numeric value is 2147483647	This should be prevented by the partner application.
905	Failed to process due to IQA error	4103	Blurred image. Please retake photo. Hold camera steady and possibly also a bit farther away.	Declined	Client may display literal phrase.	Submit a new request	Self-explanatory, but other errors may supersede it.
905	Failed to process due to IQA error	4105	Check picture is too small. Please retake. Move closer, ensure focus and four corners visible.	Declined	Client may display literal phrase.	Submit a new request	Never occurred in production.
905	Failed to process due to IQA error	4106	Shadow detected. Please retake photo with good lighting. Ensure focus and four corners visible.	Declined	Client may display literal phrase.	Submit a new request	Never occurred in production.
905	Failed to process due to IQA error	4107	Low contrast detected. Please retake with darker background. Ensure focus and four corners visible.	Declined	Client may display literal phrase.	Submit a new request	Never occurred in production.
905	Failed to process due to IQA error	4108	Cannot read acct. data on bottom of check. Please retake. Ensure focus and all four corners visible.	Declined	Client may display literal phrase.	Submit a new request	Self-explanatory, but other errors may supersede it.
905	Failed to process due to IQA error	4109	Significant rotation detected. Please retake photo. Keep check upright and four corners visible.	Declined	Client may display literal phrase.	Submit a new request	Never occurred in production.
905	Failed to process due to IQA error	4110	Large angle detected. Please retake photo. Hold phone flat above check and four corners visible.	Declined	Client may display literal phrase.	Submit a new request	Never occurred in production.
905	Failed to process due to IQA error	4113	One or more Check 21 tests failed. Please retake photo: focused, well lit, all 4 corners visible.	Declined	Client may display literal phrase.	Submit a new request	Never occurred in production.
905	Failed to process due to IQA error	4114	Aspect ratios of front and back check images do not match.	Declined	A custom phrase should be used.	Submit a new request	Never occurred in production.
905	Failed to process due to IQA error	4115	Can't detect your check. Please try to retake photo. Place check on dark surface and with all four corners fully visible.	Declined	Client may display literal phrase		Self-explanatory, but other errors may supersede it.
905	Failed to process due to IQA error	4116	The CAR/LAR does not match.	Declined	A custom phrase should be used as this could indicate fraud or legitimate issue.	This is when the amount written in words does not match what is written in numbers	Never occurred in production.
905	Failed to process due to IQA error	4117	Invalid Check Height	Declined	A custom phrase should be used.	Customer may retry.	Never occurred in production.
905	Failed to process due to IQA error	4118	Invalid Check Length	Declined	A custom phrase should be used.	Customer may retry.	Never occurred in production.
905	Failed to process due to IQA error	4119	Invalid Check Size	Declined	A custom phrase should be used.	Customer may retry, but it could also be an application issue. This has not been reproduced.	Never occurred in production.
905	Failed to process due to IQA error	4122	The front and back MICR lines do not match.	Declined	A custom phrase should be used.	Could indicate fraud, but customer could retry.	Never occurred in production.
905	Failed to process due to IQA error	4123	The MICR line has an intrusion.	Declined	A custom phrase should be used.	Could indicate Fraud, but customer can retry.	Manipulate the MICR line, but other errors may supersede it.
905	Failed to process due to IQA error	4124	The "Check Here If Mobile Deposit" checkbox is not checked.	Declined	Not Applicable	Contact Partner Support, since this is not applicable.	N/A (unexpected error)
905	N/A	4125	Payee Name does not match.	Declined	Make sure the check has the correct payee name.	Submit a new request with the correct Payee Name	N/A
905	Failed to process due to IQA error	4126	This check has failed to process {0} times. Please bring the check into a branch to complete the deposit.	Declined	Not Applicable		N/A (unexpected error)
905	Failed to process due to IQA error	4127	Uncropped, scanned, bitonal images not allowed.	Declined	A custom phrase should be used.	Customer can retry.	Never occurred in production.
905	Failed to process due to IQA error	4128	Only United States Checks can be processed	Declined	Client may display literal phrase.	None	Test with a non-US check
905	Failed to process due to IQA error	4101	Cannot read check. Please retake photo. Have steady hands, good lighting, and four check corners visible.	Declined	Client may display literal phrase.	Submit a new request	Use Bad Image (from test images)
905	Failed to process due to IQA error	4102	We cannot detect an endorsement. Please retake photo and ensure the check is endorsed.	Declined	Client may display literal phrase.	Submit a new request	Use Test Check Image with endorsement missing
905	Failed to process due to IQA error	4104	Cannot find check in the image. Please retake. Ensure focus and four corners visible.	Declined	Client may display literal phrase.	Submit a new request	Use an image that is not a check image.
905	Failed to process due to IQA error	4111	It appears you submitted 2 images of front of check. Please retake both front and rear photos.	Declined	Client may display literal phrase.	Submit a new request	Use the same front image for front and back.
905	Failed to process due to IQA error	4112	The amount you entered did not match the amount detected. Please re-enter amount and retake photo.	Declined	Client may display literal phrase.	Submit a new request
905	N/A	4120	Blurred Back Image. Please retake photo. Hold camera steady and possibly also a bit farther away.	Declined	Client may display literal phrase.	Submit a new request	Take back image holding camera close to the image. Note: Other errors may supersede this one.
905	Failed to process due to IQA error	4121	Poor image quality or no endorsement found. Please retake photo of currently endorsed check. Ensure good lighting, focus and prevent shadows over the check.	Declined	Client may display literal phrase.	Submit a new request	No test image available. 4102 may supersede.
906	Failed to process due to amount error	4014	CAR service failure at Provider	Declined	Display a generic system error message	Declined by provider due to amount error. Retry, if persists, contact Partner Support	Not reproducible in non-production
906	Failed to process due to amount error	4015	Amount missing	Declined (but should not reach this point)	This error is returned instead. {"transfer": {},"responseDetails": [{"code":3,"subCode":200,"description":"MrdcTransfer must have transactionAmount greater than zero.","url":"http://tbd"}]})		Submit a check without an amount. This should be prevented by the partner application.
907	Failed to process due to SPN error	4018	Eligibility Failure	Declined	Display a generic system error message	Contact Partner Support	Not reproducible in non-production
907	Failed to process due to SPN error	4019	Item is ineligible	Declined	Display a generic system error message	Contact Partner Support	Not reproducible in non-production
907	Failed to process due to SPN error	4020	Depositing the check into same account.	Declined	Client may display literal phrase	Resubmit check deposit into a different account.	Not testable in non-production
908	Failed to process due to limit error	4130	System Failure	Declined	Display a generic system error message	Retry, if persists, contact Partner Support	N/A (unexpected error)
908	Failed to process due to limit error	4133	Monthly amount limit is exceeded	Declined	Client may display literal phrase	Customer may retry in the next calendar month.	Submit checks that exceed monthly limit
908	Failed to process due to limit error	4134	Weekly amount limit is exceeded	Declined	Client may display literal phrase	Weekly limits are not currently used.	Not applicable (no weekly limit)
908	Failed to process due to limit error	4136	Monthly velocity limit is exceeded	Declined	Client may display literal phrase	Customer may retry the next month.	Submit more checks than monthly velocity limit
908	Failed to process due to limit error	4137	Weekly velocity limit is exceeded	Declined	Client may display literal phrase	Weekly limits are not currently used.	Not applicable (no weekly limit)
908	Failed to process due to limit error	4131	Single deposit amount limit is exceeded	Declined	Client may display literal phrase		Submit a check that exceeds the max amount of 10K. Amount and check image.
908	Failed to process due to limit error	4132	Daily amount limit is exceeded	Declined	Client may display literal phrase	Customer may retry the next day.	$9000 Submit 3rd time
908	Failed to process due to limit error	4135	Daily velocity limit is exceeded	Declined	Client may display literal phrase	Customer may retry the next day.	Submit more than 10 checks
909	Failed to process check	4023	System Failure	Declined	Display a generic system error message	Contact Partner Support	N/A (unexpected error)
909	Failed to process due to duplicated check error	4024	Duplicated check detected	Declined	Client may display literal phrase	None. Check may not be re-deposited.	Not enforced in non-production
910	Check Accepted	4027	AFS accepted check	Review/ Pending	Use checkDepositStatus and checkDepositSubStatus		Not encountered in Production
910	Check Accepted	4029	AFS recommended HOLD	Review	Not encountered in Prod		Not encountered in Production
910	Check Accepted	4030	AFS recommended EXTENDED HOLD	Review	Not encountered in Production		Not encountered in Production
911	Check Declined	4026	AFS rejected check due to fraud	Declined	Only display that check was declined.		Not encountered in Production
911	Check Declined	4028	AFS rejected check	Declined	Only display that check was declined.		AFS Reject Check $131 from check stock
912	System Failure	2007	System Failure	Declined	Display a generic system error message	Retry, if persists, contact Partner Support	No self-service test option available
912	Failed to update check	2012	Check Deposit Transaction Status Cannot Be Updated	Declined	Display a generic system error message	Check the status of the check deposit status	Try updating the same check again. Wait for at least 20 minutes after submitting a check.
913	Failed to process as Risk Declined	2022	Fraud system declined	Declined	Only display that check was declined.	Messaging should be provided by Green Dot Care Training Team	Request help from Green Dot QA
914	Failed to process check	4021, 4022, 4025	System Failure	Declined	Display a generic system error message	Retry, if persists, contact Partner Support	N/A (unexpected error)
915	Failed to start	4115	Previous submit check request is waiting on acceptance or decline	Declined	Previous submit check request is waiting on acceptance or decline	Contact Partner Support	N/A (unexpected error)
920	Failed to acknowledge check error	4031-4036	System Failure	Declined	Display a generic system error message	Retry, if persists, contact Partner Support	N/A (unexpected error)

Address Verification Response Codes

Scenario	Code	subCode	Response	isVerified	matchLevel
Verified	0	0	Successful	true	verified
InteractionRequired	5	510	Could not find provided address. Pick an address	true	interactionRequired
PremisesPartial	5	511	(Street/Building number is missing)	true	premisesPartial
StreetPartial	5	512	(Street/Building number is missing)	true	streetPartial
Multiple	5	513	(Multiple matches found due to incomplete street name)	true	multiple
None	5	514	Cannot find address nor provide a pick list.	false	none
PO Box / General Delivery Address	5	515	Invalid Address Type such as PO Box or General Delivery.	false
Validation Error	5	516	Validation Error	false	none
Timeout/Error	5	http status 503 code: 503, subCode: 0	Timeout/Error	false	none

Adjustment Types

Description	Enum	Adjustment Type	Status
Unknown On-Us Credit	adjustment	other	completed
Unknown On-Us Debit	adjustment	other	completed
Balance Refund	adjustment	balanceRefund	completed
Escheatment	adjustment	escheatment	completed
Balance Refund Reversal	adjustment	balanceRefund	reversed
Escheatment Reversal	adjustment	escheatment	reversed
Dispute Temp Credit	adjustment	provisionalDispute	completed
Dispute Final Credit	adjustment	disputeFinal	completed
Courtesy Credit	adjustment	courtesy	completed
Write-Off	adjustment	balanceWriteoff	completed
Merchant Adjustment Credit	adjustment	merchantAdjustment	completed
Negative Balance Write-Off (Change to Write-Up)	adjustment	balanceWriteoff	completed
Generic Credit	adjustment	other	completed
Forfeiture	adjustment	forfeiture	completed
Dispute Temp Credit Reversal	adjustment	provisionalDisputeReversal	reversed
Dispute Final Credit Reversal	adjustment	disputeFinal	reversed
Courtesy Credit Reversal	adjustment	courtesy	reversed
Write-Off Recovery	adjustment	balanceWriteoff	completed
Merchant Adjustment Debit (Representment)	adjustment	merchantAdjustment	completed
Negative Balance Write-Off Recovery	adjustment	balanceWriteoff	completed
Generic Debit	adjustment	other	completed
Forfeiture Reversal	adjustment	forfeiture	reversed