October 3rd

New Features & Enhancements

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

**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

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)

**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

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

**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