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Hold Expirations

Holds are a critical part of the standard flow of a debit card transaction. Ordinarily, the following flow of events happens:

• The card transaction is initiated
• A hold is placed on the requested funds
• A clearing request is made by the merchant
• The hold is released and funds are debited from the account

However, sometimes funds will be put on hold for a card transaction, but Treasury Prime will not receive a clearing request for an extended period of time.

To account for this, Treasury Prime has built an expired hold release feature. This allows you to decide if you would like holds that have stagnated to be released. Treasury Prime’s default expired hold release will be set to 30 days. However, you can decide to extend or shorten this based on your own preferences.

Once a day at 3am PST Treasury Prime will check for and release any expired holds.

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Hold Release Notifications

You will need to register to receive the hold_expiration.create webhook in order to be notified when an expired hold is released. In the payload Treasury Prime will pass the ID of the hold_release transaction. You can leverage this ID to lookup all the related transactions, including the initial hold transaction via the trace_id on the hold_release transaction.

Example Hold Release Notification

{
  "event": "hold_expiration.create",
  "op": "create",
  "url": "https://api.treasuryprime.com/transaction/ttx_11gqg7am69g1s9",
  "id": "ttx_11gqg7am69g1s9"
}