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    What is the ACH transaction flow for Paya Connect?

    Product

    Paya Connect 

    Paya ACH 

    Description

    an ACH may take 2-5 days for the transaction to settle, below is the flow chart and the status meanings. 

    Resolution



    Transaction Status Definition

    Pending Origination/Originating

    ACH transaction has been initiated. Money has not moved at this stage.
    Originated The transaction is in process but has not been funded/settled yet.
    Declined Transaction not approved. It could be due to a velocity error (attempt to process a transaction over the allowed limit).
    Voided Transaction voided. The money will not be moved or settled.
    Settled Transaction completed and funded.

    Charged Back

    Transaction charged back. Could be due to insufficient funds, closed account, etc.


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