Changelog: 2020-Aug-03

Please Note: Additional items may be appended to this Changelog in the near future once finalized.

Pushed to production :white_check_mark:, Pushed to Sandbox :beach_umbrella: .

Critical Updates

  • Users (Enhanced Due Diligence): The former process of locking and closing user accounts is now expected to be retired from the API on August 10th (previously planned for July 27th). Platforms will need to follow the new Enhanced Due Diligence flow after this date.

  • :beach_umbrella: Card Processing (V2): V2 of Card Processing (INTERCHANGE-US) is currently available for testing in Sandbox. Notable changes include:

    • Improved response times at both node and transaction creation.
    • Added support for Address Verification System (AVS) for external cards. Please note that this feature is currently disabled in Sandbox and still in early testing, but should generally be enabled by default once fully implemented. AVS will place more stringent requirements on the accuracy of both the provided address and ZIP code when linking a new card.
    • Added support for Duplicate Card prevention. This is currently disabled in Sandbox and undergoing additional internal testing, but will similarly be enabled in the near future.
    • Improved error handling/responses (more useful error messages).
  • :white_check_mark: Native Card Issuance (Green Dot Locator): The Find ATM Locations API Call can now take an additional value for the atm_network_type query parameter to filter for Green Dot locations (?atm_network_type=green_dot).

    • Please note that this is a convenience feature and that Green Dot reload locations are eligible locations for reloading Green Dot prepaid cards rather than actual ATM locations as would normally be the case when supplying other values for atm_network_type.
  • :white_check_mark: Loans (Open Loans): The user reserve must now be funded prior to creating an Open Loan.

    • In line with this new requirement, the reserve balance will be returned in the response upon creation of an Open Loan.
  • :white_check_mark: Transaction Decisioning (Instant Auth and Partial Approval): For transactions in which partial approval is allowed, the Transaction Decisioning and Instant Auth logic has been updated. You can now provide a simple pass (i.e. {"decision" : "PASS"}) response to the webhook, without the need to also supply a partial approval amount or supply additional funding nodes.

    • If the associated node has sufficient funds to cover the transaction, then the transaction will proceed as intended.
    • If a simple pass is provided but the associated node does not have the sufficient funds to cover the transaction, then the transaction will fail.
  • :white_check_mark: ACH (Reset Micro-Deposits): Whenever you send micro-deposits to a node, the micro-deposit attempt count (extra.other.micro_meta.micro_attempts) will now be reset to 0.


  • :white_check_mark: Mailing Address (Care Of Instructions): Added optional “care of” field (address_care_of, normally written as “c/o” when addressee may not be primary resident at the specified address) for mailing addresses (MAILING_ADDRESS). Currently set up for card subnets.


  • :white_check_mark: Client Dashboard (Create Ticket UI): Improved “Create Ticket” interface to improve quality of communications between Synapse and clients. Users can select “Transaction Limits,” “Account Limits,” and “Add Fund” options to fill out a structured/pre-formatted change request forms.

  • :white_check_mark: Client Dashboard (Users Table): For select platforms, business user document profile will display a valid alias (document.alias) if available.

  • :white_check_mark: Client Dashboard (Documents): Blacklisted documents ("status": "SUBMITTED|INVALID|BLACKLIST") will now be marked as such in the Dashboard (i.e. not simply as “INVALID”).

  • :white_check_mark: Admin Dashboard (International Wires): Additional Wire Return Codes are expected to be pushed to production in the near future (primarily return codes associated with international wires). Refer to Wire Return Codes page for more details.

  • :white_check_mark: Admin Dashboard (RDC Return Codes): Similar to above, additional RDC Return Codes are expected to be pushed to production in the near future.

  • :white_check_mark: Transactions (Transaction Risk Model): Improved transaction risk model to reduce number of false positives and therefore reduce the frequency with which transactions are queued for manual review.

  • :white_check_mark: Users (Business User Name Validation): Simplified business user name validation to better handle unexpected edge cases not accounted for by old validation model.

  • :white_check_mark: Chatbot Servicing (Ticket Claiming): Changed error code for agent attempting to comment on a ticket they have not claimed to "agent_not_authorized --- The agent is not authorized for this ticket. Please CLAIM the ticket".

  • :white_check_mark: Chatbot Servicing (Ticket Viewing): Now allow agents to view tickets they have not claimed.

  • :white_check_mark: Notifications: Added new notifications for Account Closure, Payment Reminders, Snooze Payment, Opening Account, Adverse Action Notices, and Potential Fraud Notice. Full list below:

    • account_closure_user_request_positive_balance
    • account_closure_user_request_zero_balance
    • account_closure_duplicate_account_zero_balance
    • account_closure_no_activity_zero_balance
    • adverse_action_notice
    • adverse_action_notice_soft_pull
    • account_opening_loan_us
    • account_opening_credit_card
    • payment_reminder
    • snooze_payment
    • potential_fraud_notice
    • account_opening_deposit_or_custody
    • account_opening_debit_card_subnet
    • account_opening_repay


  • :white_check_mark: Client Dashboard (Physical Documents): Resolved issue with Articles of Incorporation sub-document ("document_type": "AOI") uploads.