Changelog: 2020-Aug-31

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: Nodes (Negative Balance Reconciliation): The logic to lock overdrawn users has been amended to first check if the user has sufficient funds in their other native Synapse nodes to transfer the needed funds instead of locking the user if possible.

    • If the user does not have sufficient funds to cover the negative balance, they’ll go through the normal logic to lock overdrawn users if necessary (as outlined here).
  • :white_check_mark: KYC (Sanctions Tiers): Added new basic OFAC sanctions tier (tier_0) for sanctions screenings.

  • :white_check_mark: Native Card Issuance (Transaction Status Notes): In cases where the provided billing address does not match the address on file for a user, a new full_reversal|merchant_cancellation_avs_mismatch reversal reason will be returned when the merchant decides to cancel the transaction due to the mismatch. To view other reversal reasons, please refer to the Native Card Issuance Transaction Status Notes page in Synapse Docs.

  • :white_check_mark: RPPS (RPPS Batch Timing): Changed the time RPPS batches take place. Please refer to RPPS Cutoff Times for more information.

New Features

  • :white_check_mark: Native Card Issuance (Secondary Label): Added an optional secondary label (secondary_label) when shipping physical cards. The line would be printed beneath the cardholder name.

    • When the associated user has a mailing address (MAILING_ADDRESS) on file, if a secondary label is not provided, the address_care_of field may be printed as a secondary label. Refer to Add Mailing Address for more details.
  • :white_check_mark: Users (Business Users): Added VENDOR business entity type for cases where a common vendor relationship (e.g. a lawyer) may be used in different contexts by multiple different business users on the same Platform.

    • Users set up as vendors should not trigger duplicate user detection logic based on Name, DOB, email, address, or phone number (i.e. by design, to allow distinct vendor relationships across a Platform).
  • :white_check_mark: Subnet (Subnet Limits): As subnet limits are set at the user level (as determined by Platform controls that set maximum number of subnets allowed per user within a CIP tag), and both the user’s current subnet count and terminated subnet count can factor into the determination of this subnet limit, we have built in a way to work around the terminated subnet count if needed. You can exclude terminated subnets from the terminated subnet count by setting "allowed_status_code": "USER_REQUESTED".

  • :beach_umbrella: Card Processing (Dispute Chargebacks): Building out functionality for dispute chargebacks via a new endpoint. This feature is still in development.

  • :beach_umbrella: Native Card Issuance (Mobile Wallet Integration via Subnet Push): Building out functionality for Subnet Push mobile wallet integration. The new endpoint will support adding Apple Pay, Google Pay, and Samsung Pay mechanisms (by setting type to APPLE_PUSH, GOOGLE_PUSH, or SAMSUNG_PUSH) to an existing native Synapse card subnet via the API. This feature is still in development.

  • :beach_umbrella: Nodes (Notifications): Added notifications for payment reminders, adverse action notices (e.g. loan rejections), and account opening notifications (for loan, advance, and deposit accounts).


  • :white_check_mark: Physical Document Verification (Video Auth): Video Auth has been improved to allow additional physical document types (i.e. previously submitted documents on file that can be used for facial vector comparisons). For the full list of valid document types, please refer to the Prerequisite section of the Video Auth page.

  • :white_check_mark: ACH (ACH Processing): Improved logic for ACH Processing to prevent rare cases of early processing

  • :white_check_mark: Accounts (Accounts Closure Logic): Added logic to prevent automatic issuance of additional checks to closed users whose most recent balance sweep check has been voided (e.g. a check that hasn’t been cashed within 90 days of issuance and was automatically voided by Synapse).

  • :white_check_mark: Native Card Issuance (Card Shipping): When a card ships, regardless if tracking is enabled, the node associated with the card subnet will now have a comment added as a means of shipping notification.

    • If shipping method does have tracking enabled, then the shipping notification comment on the node will include with the tracking number for the card shipment.
  • :white_check_mark: Remote Deposit Capture (RDC Machine Learning Model): V3 Text Extraction and Processing System deployed for more accurate text predictions.


  • :white_check_mark: Accounts (Negative Balance Reconciliation): Fixed bug that caused excess transfer for negative balance reconciliation to a user’s reserve node.
  • :white_check_mark: KYC (Watchlists Flag): Fixed bug that switched user’s watchlists flag from “SOFT_MATCH” to “NO_MATCH” when the user was updated and they were still on a screenings list.
  • :white_check_mark: KYC (Watchlists Flag): Fixed bug where users were matched on a screenings list multiple times after screenings set to False Positive