Account Balance Verifications

When the Batch or Online transaction arrives, the platform performs a front-end check on each Funding Instruction within a Batch, as well as Online instructions. We verify sufficient account balances to cover the money movement from each account. If system detects insufficient funds in any account impacted by a funding instruction, The platform rejects the individual Online instruction or the entire Batch. The returned error message provides information about the account lacking funds. We also perform a back-end balance check on Batch files ready for delivery upstream. In this case, if the money movement of any Batch results in an insufficient balance in any account, we reject all Batches.

To avoid possible account balance verification issues, we recommend you submit debit transactions first, in a separate Session file from the credit transactions. Also, keep in mind that the system may not handle transactions within a Batch sequentially. This is likewise true for Batches within a Session, but we do handle Session files in the order sent. To guarantee sequential handling of Batch files, you must submit the Batch individually in Session files.

For example, you submit a Batch of funding instructions that include a number of reserveCredit and reserveDebit transactions, such that the net funds movement (credits - debits) results in $200,000 being moved from the Reserve Account to the Settlement Account. If the current balance in the Reserve account is less than $200,000, The front-end checks detect this situation and reject the entire Batch with a reject message similar to:

<cnpResponse version="12.24" xmlns="http://www.vantivcnp.com/schema" id="691" response="1" message="Over Balance (Cnp ID: 819812345678357001, session sequence: 2, unique ID: null) not processed - The specified Funding Instructions would result in a negative balance in your Reserve Account. Current settlement balance:20000000, current reserve balance:15000000"

cnpSessionId="810123456789357102"></cnpResponse>

The balance amounts shown in the example above are in cents. For example, the reserve account balance of 15000000 is $150000.00.