Blacklist UML

Entity that represents blacklist information and settings.

Blacklist is a list of accounts that were previously processed and came back as irrecoverable (hard) ACH returns. Irrecoverable ACH returns include cases when account is closed or invalid.

Blacklists are introduced to prevent problems induced by the fact that ACH transactions do not get approved or declined in real-time like credit card transactions. To eliminate waiting for a certain ACH return, every ACH transaction is checked against a blacklist before it is submitted to the bank for processing.

Represents the type of the account (e.g. credit card or bank account) associated with the transaction.

The encoded account number of the customer.

Last four digits of the account number or credit card number. Used to serve as an account identifier, when full account number is not available.

Reference to the entity that represents real-time financial transaction.

Reference to a chargeback transaction representing either initial chargeback (for credit cards) or ACH return (for bank accounts). If not chargeback/return came in, the field is not set. The field is primarily used to quickly identify transactions that have chargebacks/returns.

Date when the record was created.

Identifier of the object used for references; auto-incremented integer value.

Gateway generated response code.

Gateway generated response message.