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Improvements & Bug Fixes

Cards & Digital Wallets

  • Fixed: Digital wallet tokens staying active after card reactivation
  • We resolved an issue where digital wallet tokens (Apple Pay, Google Pay, etc.) were being automatically suspended when cards were reactivated. The system now correctly maintains the token state during card lifecycle changes.

Account Holds

  • Fixed: Serialization errors when creating manual holds
  • We resolved 409 errors that were occurring during manual hold creation. The system now handles concurrent hold requests more reliably, preventing transaction conflicts.

Sandbox Performance

  • Fixed: Reduced 502 errors in sandbox environment
  • We addressed a performance issue that was causing intermittent 502 errors in our sandbox environment, improving reliability for development and testing.

Database Performance

  • Improved: Faster bank card data retrieval
  • We optimized database queries for card operations, resulting in faster response times when retrieving card information.

Error Handling

  • Improved: Better NSF (insufficient funds) detection
  • Added support for an additional NSF error code (8115) from our banking partners improving transaction failure detection and reporting.

Bank & Payment Processing

Wire Transfers

  • Fixed: Processing of non-standard ISO20022 wire formats
  • We improved our wire processing system to handle improperly formatted ISO20022 files from certain bank vendors, ensuring wire transfers continue to process correctly even when files don’t fully conform to standard formatting.

ACH Processing

  • Fixed: IAT (International ACH Transaction) return processing
  • We corrected an issue in our ACH processing library that prevented proper formatting of IAT return files. The system now correctly handles international ACH return transactions.

FedNow Payments

  • Fixed: Error handling for specific payment scenarios
  • We improved error handling for FedNow payments to prevent incorrect error states when payments are successfully processed by the bank but experience webhook communication issues.