Alerts And Decisioning

Overview

Payment Decisioning allows you programmatically approve or reject payments held by bank screening controls. With Alerts and Decisioning API, you can act on held transactions or integrate decisioning directly into your Enterprise Resource Planning (ERP), Treasury Management System (TMS) or fraud management systems to ensure timely resolution.

Disclaimer

Payment Decisioning is designed to simplify the management of payment holds and reduce operational delays. However, clients remain responsible for payments initiated in their name, their own internal controls, compliance with applicable regulations, and the accuracy of all decisioning actions taken through the API.

Benefits

Key benefits of using Payment Decisioning through the API include:

Payment decision handling: Streamline the resolution of payment holds by integrating decisioning into your existing workflows, ensuring consistent and auditable actions.
Integration with our APIs: Embed decisioning capabilities into your ERP, TMS or fraud management platforms for a unified user experience.

When to use payment holds API

Use the payment holds API if you:

Initiate wire or U.S. domestic ACH payments.
Prefer API-based notifications over phone calls, emails or manual access login.
Want to reduce time spent managing blocked or held payments.
Need better visibility into your payment flows within the bank.
Want to monitor all payments for potential fraud or compliance issues.
Require timely intervention on payments needing additional review.
Aim to automate notification and escalation processes for held transactions directly within your own applications.

Next steps

Decision a Payment Hold to Release or Cancel a Payment

Find out how to submit a decision through the API to either release a held payment for processing or cancel it entirely.