Changelog: 2020-Aug-17

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

  • :white_check_mark: Chatbot (Chatbot Bank Logins): Capital One external bank accounts can now utilize the 2-Legged OAuth (Secure Redirect) Flow of Chatbot Bank Logins.
  • :white_check_mark: Transaction (Transaction Status Notes): Transaction Status Notes (recent_status.note) that would have previously included [Returned on Debit] or [Returned on Credit] prefixes have had these prefixes stripped and will now just have the transaction status code and message.
  • :white_check_mark: Base Doc (Mailing Address): Added mailing address field to base doc to allow for synchronous verification of both base doc address and mailing address.
  • :white_check_mark: Base Doc (Address Verification Invalid Reason): Added field in base doc for providing invalid reason when address fails verification. Refer to Verify Address API call for examples of invalid reasons.
  • :white_check_mark: Physical Document Type (Articles of Incorporation): Removed duplicate physical document type ARTICLES_INCORPORATION. The preferred physical document type for Articles of Incorporation (i.e. the only one that should be used now) is AOI.

New Features

  • :white_check_mark: v3 Controls (Allowed Countries for Transactions): Added countries.allowed_strict control to allow overwriting of default allowed countries list (i.e. instead choose to use a limited list of countries specifically selected by Platform).

  • :white_check_mark: Card Processing (Error Messages): Error messages may now include a reference ID that will be used to track transaction and account creation requests.

    • Account Creation ({"error_details": None, "message": "Card number does not exist -- prenote failure {reference_id}"})
      • This message is provided to help with reporting and tracking errors, and may change in the future.
    • Reference IDs will not be included if there are issues with the API request such as:
      • Invalid Card (400: "invalid request -- card number query")
      • Invalid Card Permissions (400: "credit/debit permissions disabled on card"
      • Account Not Found (404: "Unable to find customer {user_id}")
      • Unable to Reverse Transaction (400: "transaction already reversed" or 501: "unable to reverse transaction -- contact support")
        - This type of issue will require manual intervention(s).


  • :white_check_mark: ACH Return Codes: Improved return transaction logic to provide a more specific message for R02 returns when additional details are available (with R02 Account Closed remaining as the default message).
  • :white_check_mark: Transactions (Return Settlements): Added transaction ID (transaction_id) to the screenings_matches object for return settlements.
  • :white_check_mark: Accounts (Account Closure Logic): Improved account closure logic to correctly send checks to or from the platform reserve as required when closing customer accounts.
  • :white_check_mark: Notifications (User Notifications): Improved user notification logic to prevent sending notifications to users who are in the process of being verified or being unlocked (i.e. who may temporarily be UNVERIFIED or LOCKED).


  • :white_check_mark: Native Card Issuance (Green Dot Locator): Fixed issue with the Find ATM Locations API Call when set to filter for Green Dot locations based on ZIP code.
    • 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 .