Payment Statuses

Status Update Notification

If you would like to receive notifications when the status of a check has been updated, you can specify a webhooks URL in your developer settings. When the status of a check is updated, you will receive a POST request to the specified url containing the ID of the check that has been updated, and its new status.

Digital Payment Statuses

Direct Deposit ACH/EFT

Use Case 1 - Elected Direct Deposit ACH/EFT

ACH Direct Deposit option was selected by recipient.

UNPAID	IN PROCESS	PAID
Check email was sent but no action has been taken by the recipient	Recipient elected to have funds deposited and entered their bank account information	Final status. The payment has been successfully sent to the recipient's bank account

Use Case 2 - Direct Deposit ACH/EFT

Recipient bank information was included at the time of payment creation.

IN PROCESS	PAID
All necessary information has been included at the time of payment creation. Payment is pending deposit	Final status. The payment has been successfully sent to the recipient's bank account

Failed Status

Failed ACH payments will result in a notification to both the sender and recipient. In most cases, ACH returns are caused by incorrectly entering the wrong account information. Recipients will be able to submit a new credit destination. Once submitted the payment will reset to IN PROCESS and attempt to credit again.

Void Process

Direct Deposit ACH payments can only be voided while IN PROCESS before settlement is run at 2pm and 5pm PST daily. For manual exceptions, Checkbook can void payments.

Instant Pay (OCT)

Use Case 1 - Elected Instant Pay

Instant Pay option was selected by recipient.

UNPAID	IN PROCESS*	PAID
Check email was sent but no action has been taken by the recipient	Recipient elected to have funds deposited instantly and entered their debit card information	Final status. The payment has been successfully sent to the recipient's debit account

Use Case 2 - Direct Deposit Instant Pay

Recipient bank information was included at the time of payment creation.

IN PROCESS	PAID
All necessary information has been included at the time of payment creation. Payment is pending deposit	Final status. The payment has been successfully sent to the recipient's debit account

Note: Instant payments are sent instantly and therefore may only be IN PROCESS for a few seconds

Failed Status

Failed Instant Payments will result in a notification to both the sender and recipient. In most cases, OCT returns are caused by incorrectly entering the wrong card information. Recipients will be able to submit a new credit destination. Once submitted, the payment will reset to IN PROCESS and attempt to credit again.

Void Process

Due to the nature of Instant Payments, they can not be voided unless the status is UNPAID. For manual exceptions, Checkbook can void Instant Payments.

Expired Status

The status of EXPIRED is an end state. Expired payments can not be acted upon and must be re-issued.

Physical Payment Statuses

Mailed Checks

Use Case 1 - Elected Mail

Mailed check option was selected by recipient.

UNPAID	IN PROCESS*	MAILED
Check email was sent but no action has been taken by the recipient	Mailed check option was selected by the recipient. The check has been added to the print queue and will be printed in the next batch to be mailed	Final status. The check has been successfully printed and mailed

Use Case 2 - Direct Mail

IN PROCESS	MAILED
Mailed check option was selected by the recipient. The check will now be printed in the next batch to be mailed	Final status. The check has been successfully printed and mailed

Note: Checks created before 1PM PT are mailed same day via USPS First Class Mail.

Void Process

Mailed checks can not be voided from the checkbook dashboard. Payers wishing to void a mailed check must place a stop payment with their bank. For records and reconciliation purposes, Checkbook can change the status to void.

Printed Checks

UNPAID	PRINTED
Check email was sent but no action has been taken by the recipient	Final status. The recipient selected to print the check and downloaded the print PDF. Print PDF's can only be viewed 5 times before getting locked. Contact Checkbook to reset counter if necessary.

Void Process

Printed checks can not be voided from the checkbook dashboard. Payers wishing to void a printed check must place a stop payment with their bank. For records and reconciliation purposes, Checkbook can change the status to VOID.