Transfer Statuses

In Deliver, a transfer can have one of the following statuses, indicated by the status field.

• Created: A transfer was created.
• Pending: A transfer is currently being processed by Orum.
• Completed: A transfer request has been submitted to the payments network. This does not necessarily indicate the successful delivery of funds to the customer. For credits or Account-to-Account transfers, use the estimated funds delivery date to know when the funds will land in the destination account.
• Settled: A debit transfer has settled, which means the funds have moved from your pending balance to your available balance and are available for use.
• Failed: A transfer failed. The failure could have occurred either in Orum's system or at the processor. Refer to the status reason for more information.

The diagrams below show how a transfer can move through the above statuses. Note that a transfer can move from Completed or Settled to Failed if sent on the ACH network and a return occurs. To learn more about why a transfer is in the Failed state, refer to the status_reason field in the API response.

Flow of Credit and Account-to-Account Transfers

Flow of Debit Transfers