Changelog: 2020-Jul-06

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

  • :beach_umbrella: BillPay (RPPS): Added a new RPPS-US node type to allow users to link various bill pay accounts to pay their bills. RPPS nodes enable platforms to create regular bill payment transactions for their end users.

    • To create an RPPS node, you will need to supply a Biller ID (biller_id), an encrypted account number (account_num), and a nickname for the node (nickname). If we cannot decrypt account number provided then you will receive an error (invalid_account_num_encryption --- the account number was not encrypted the right way).
    • Pricing for RPPS payment returns is expected to be $5.00 per unauthorized return (regardless of transaction volume), and $2.00 per regular return. Platforms will not be charged for regular returns if they remain under a free returns threshold of 50 returns (i.e. Platform will be charged on 51st return), though this threshold is subject to change. This pricing overall may also be subject to change.
    • More details about RPPS nodes will be posted to Synapse Docs in the near future and this Changelog will be updated with the relevant links.
  • :beach_umbrella: Loans (Open Loans): Added a new Open Loan loan type ('loan_type": "OPEN") to allow users to have open-ended revolving loans without binding credit limits. The loan’s dynamic credit limit is dependent upon the user’s personal reserve (RESERVE-US) account balance associated with the loan. Additionally, cards can be issued for Open Loans.

    • More details about Open Loans will be posted to Synapse Docs in the near future and this Changelog will be updated with the relevant links.
  • :white_check_mark: Users (Node Sweeps for Closed Users): Created a tasker that automatically sweeps positive nodes when funds are dispersed back into their node for closed users (i.e. only for users who are either CLOSED or LOCKED and have nodes that are either LOCKED or INACTIVE).

  • :white_check_mark: Enhanced Due Diligence (Notifications): For Platforms subscribed to notifications, implemented notifications for users flagged for manual review by our compliance team or for users closed due either to high risk activity or involvement with a blocked industry. Flag codes and example notifications provided on the EDD User Flag Codes page.

    • Note: Synapse will send a text notification to the end user if their account is closed due to compliance concerns.
  • :white_check_mark: Business User Enhanced Due Diligence (Website Validation): New enhanced due diligence process can evaluate submitted websites of business users. Website validation requires passing several checks, including if either business name or business alias is found on the provided website.

    • More details about this updated Business User EDD process can be found on the Business User Enhanced Due Diligence page so that affected platforms can familiarize themselves with it and integrate it into business user onboarding over the coming weeks.
  • :white_check_mark: Transaction (Retry Logic): Added retry transaction logic for transactions from Synapse deposit nodes when the fee node doesn’t have sufficient funds, or when balance hasn’t updated (e.g. for Internal Transfers and ACH transactions). The new logic will allowed the transaction to stay in CREATED status for up to 7 days to allow for additional retries, but will continue as normal and cancel if necessary after.

    • Additionally, removed retry transaction logic when the transaction currency doesn’t match the node’s currency.
  • :white_check_mark: Wires (International Wires) Improved additional information required for WIRE-INT transactions based on country. Changes can be found here.

  • :white_check_mark: Native Card Issuance (Instant Auth Card Funding): Improved cancellation messages for Instant Auth (aka Just in Time / JIT) transactions. Various “TRANSACTION BLOCKED” messages have been changed to be more specific:

    • For responses to the webhook that do not include funding node or total amount: TRANSACTION_BLOCKED -- JIT fail. funding_nodes or total_amount missing from response has been updated to JIT_MISSING_REQUEST -- JIT fail. funding_nodes or total_amount missing from response
    • For partial approval: TRANSACTION_BLOCKED -- Partial approval not allowed has been updated to JIT_PARTIAL_NOT_ALLOWED -- Partial approval not allowed
    • For transaction timeouts in which a PASS decision is not received within 1.00s: TRANSACTION_BLOCKED -- JIT decision {decision_provided} has been updated to JIT_TRANSACTION_NOT_DECISIONED -- JIT decision {decision provided}
  • :white_check_mark: Native Card Issuance (Instant Auth Card Funding): Additionally, we are now enforcing $0.01 charge per every Instant Auth Card Funding request as originally planned in the spec.

Improvements

  • :beach_umbrella: Improved Mailing Address logic in Sandbox. Documents previously stuck in SUBMITTED|REVIEIWING are now validating.

  • :white_check_mark: Wires (International Wires): Improved WIRE-INT logic for checking against sanctions list and queuing transactions if user’s might be on screenings list.