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New Features & Enhancements

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Card & Digital Wallet Services

  • Card Management Performance - Significantly improved cards page loading speed by optimizing data loading patterns and reducing initial page load times
    • What Changed: Deferred person data loading to per-row instead of loading all data upfront
    • Benefits: Faster initial page load, especially for organizations with many cards
  • Digital Wallet Token Management - Resolved issues with digital wallet tokens becoming suspended after card reactivation, improving user experience for mobile payments
  • Google Wallet Integration - Fixed device ID mismatch and digital wallet token (DWT) update issues for improved Google Wallet functionality

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Prime Banking

  • **Internal Account Transfers - **Added book transfer capability for end users with multiple accounts, enabling self-service transfers between their own accounts.
    • Use Case: 401(k) clients can now move funds between pre-tax, after-tax, and Roth accounts
    • Benefits: Automated internal transfers without manual intervention

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Payment Processing & ACH

  • Plaid Integration Fix - Resolved 500 errors when creating counterparties with Plaid processor tokens in sandbox environment.
    • What Was Fixed: Improved error handling and logging for bad Plaid tokens
    • Impact: Users can now receive proper error messages instead of internal server errors
  • FedNow Error Handling - Enhanced FedNow transaction processing with proper NSF (insufficient funds) error messaging for better customer experience
    • What Changed: FedNow NSF failures now display “Insufficient funds” or “Not enough funds: < ”
  • Zero-Dollar ACH Optimization - Eliminated unnecessary book transfer creation for $0 incoming ACH transactions (typically pre-notifications)

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Statements & Reporting

  • **Authorized Representative Support on Account Statements - **Enhanced statement capabilities to display authorized users (such as representative payees) on customer account statements, supporting ABLE accounts and government benefit requirements.
    • What’s New: Statements can now show both the primary account owner and an authorized representative with proper designations
    • Format: {authorized_user}, Representative Payee for {owner}
    • Benefits: Meets compliance requirements for government deposits (SSI/SSA) and ABLE account programs
    • Configuration: New display_authorized_user statement configuration option available

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Platform & Infrastructure

  • Response Header Logging - Added external response header storage for better tracking and debugging of core banking system interactions
  • Horizon CC Book Transfer Tracking - Improved book transfer UUID storage for Horizon CC core to enhance troubleshooting capabilities

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Documentation Updates

  • **FedNow API Documentation Update - **Added missing “blocked” status to FedNow payment API documentation.
  • **Idempotency Key Documentation - **Clarified idempotency key retention policy in API documentation.
    • What’s Documented: Idempotency keys are retained for 7 days
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