Notifications and States

When you initiate a Realtime transfer with Column, it goes through multiple state transitions. One of Column's most powerful features lies in our ability to notify you during each transition. This keeps you updated throughout the payment process and allows you to track the outcome of any transfer.

States and Events

Generally, Realtime transfers will flow through several states in rapid succession. For outgoing realtime transfers, a transfer will move from initiated to completed right away. A transfer can be rejected by the Federal Reserve / The Clearing House or a receiving Financial Institution in which case its status will be rejected.

Below are the states and events that an outgoing Realtime transfer may go through.

Stage

Webhook Event

Description

Hold

realtime.outgoing_transfer.hold_created

The transfer was created with hold: true. The funds are locked in the holding balance and nothing is routed or sent until the transfer is cleared. The rail (FedNow or RTP) is selected when the transfer is cleared, which fires the standard initiated event.

Initiated

realtime.outgoing_transfer.initiated

Column will submit your Realtime transfer to the Federal Reserve or The Clearing House.

Manual Review

realtime.outgoing_transfer.manual_review

Column is manually reviewing your request, and will submit it once it is approved.

Manual Review Approved

realtime.outgoing_transfer.manual_review_approved

Column is manually reviewing your request, and it was approved and will be submitted.

Manual Review Rejected

realtime.outgoing_transfer.manual_review_rejected

Column has manually reviewed your request, and it was rejected.

Rejected

realtime.outgoing_transfer.rejected

Column has attempted to submit the transfer to the Federal Reserve or The Clearing House and the realtime transfer request has been rejected.

Completed

realtime.outgoing_transfer.completed

Column has received an acknowledgement from the Federal Reserve or The Clearing House that this realtime transfer request has been processed successfully.

Canceled

realtime.outgoing_transfer.canceled

A held Realtime transfer has been canceled, and the held funds have been returned to the available balance.

Below are the states and events that an incoming Realtime transfer may go through.

Stage

Webhook Event

Description

Hold

realtime.incoming_transfer.hold_created

Column has received an incoming Realtime transfer and placed it on hold (available if enabled for your platform). The funds are held in the holding balance until the hold is cleared. Clearing the hold fires the standard completed event.

Completed

realtime.incoming_transfer.completed

Column has received an incoming Realtime transfer (credit only) from an originating financial institution, and processed it successfully.

Below are the states and events that an incoming Realtime return request may go through.

Stage

Webhook Event

Description

Pending

realtime.incoming_return_request.pending

Column has received an incoming Realtime transfer return request from the originating financial institution.

Accepted

realtime.incoming_return_request.accepted

The incoming Realtime transfer return request has been accepted. A new outgoing transfer has been created.

Rejected

realtime.incoming_return_request.rejected

The incoming Realtime transfer return request has been rejected.

Below are the states and events that an outgoing Realtime return request may go through.

Stage

Webhook Event

Description

Pending

realtime.outgoing_return_request.pending

Column has sent an outgoing Realtime transfer return request and has not received a response from the receiving financial institution.

Accepted

realtime.outgoing_return_request.accepted

The outgoing Realtime transfer return request has been accepted. A new incoming realtime transfer has been received.

Rejected

realtime.outgoing_return_request.rejected

The outgoing Realtime transfer return request has been rejected.