Notifications and States
When you initiate a Realtime transfer with Column it goes through multiple state transitions. One of Column's most powerful features lies in our ability to notify you during each transition. This keeps you updated throughout the payment process and allows you to track the outcome of any transfer.
States and Events
Generally, Realtime transfers will flow through several states in rapid succession. For outgoing realtime transfers, a transfer will move from intiated to completed right away. In some cases transfer can be rejected either by Federal Reserve / The Clearing House or receiving Financial Institution in which case its status will be rejected.
Below are the states and events that an outgoing Realtime transfer may go through.
| Stage | Webhook Event | Description |
|---|---|---|
| Initiated | realtime.outgoing_transfer.initiated | Column will submit your realtime transfer to the Federal Reserve or The Clearing House. |
| Manual Review | realtime.outgoing_transfer.manual_review | Column is manually reviewing your request, and will submit it once it is approved. |
| Manual Review Approved | realtime.outgoing_transfer.manual_review_approved | Column is manually reviewing your request, and it was approved and will be submitted. |
| Manual Review Rejected | realtime.outgoing_transfer.manual_review_rejected | Column has manually reviewed your request, and it was rejected. |
| Rejected | realtime.outgoing_transfer.rejected | Column has attempted to submit the transfer to the Federal Reserve or The Clearing House but that this realtime transfer request has been rejected |
| Completed | realtime.outgoing_transfer.completed | Column has received an acknowledgement from the Federal Reserve or The Clearing House that this realtime transfer request has been processed successfully. |
Below are the states and events that an incoming Realtime transfer may go through.
| Stage | Webhook Event | Description |
|---|---|---|
| Completed | realtime.incoming_transfer.completed | Column has received an incoming realtime transfer (credit only) from an originating financial institution, and processed it successfully. |