Domestic Wire

Notifications and States

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

States and Events

For outgoing wires, a wire will generally move from initiated to completed in rapid succession. Below are the states and events that an outgoing wire transfer may go through.

Stage
Webhook Event
Description
Initiated
wire.outgoing_transfer.initiated
Column will submit your wire to the Fed once it is open (for wires that are submitted between 6:45pm ET and 9:00pm ET).
Completed
wire.outgoing_transfer.completed
The wire transfer request is successfully processed, requiring no further action.
Manual Review
wire.outgoing_transfer.manual_review
The wire transfer request is undergoing a manual review which will be approved or rejected by Column.
Rejected
wire.outgoing_transfer.rejected
The wire transfer request has been rejected by Column or by the Federal Reserve (this event will rarely happen).

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

Stage
Webhook Event
Description
Completed
wire.incoming_transfer.completed
Column has received an incoming wire transfer (credit only) from another ODFI, and processed it successfully.

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

Stage
Webhook Event
Description
Initiated
wire.incoming_return_request.initiated
Column has received an incoming wire return request.
Manual Review
wire.incoming_return_request.manual_review
The incoming return request was placed in manual review.
Approved
wire.incoming_return_request.approved
The incoming return request has been approved, and Column has initiated an outgoing wire to return the funds to the requesting financial institution with the details in the return request.
Rejected
wire.incoming_return_request.rejected
The incoming return request was rejected.
Completed
wire.incoming_return_request.completed
The incoming return request response has been completed.

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

Stage
Webhook Event
Description
Initiated
wire.outgoing_return_request.initiated
Column has initiated an outgoing wire return request.
Scheduled
wire.outgoing_return_request.scheduled
The outgoing return request has been scheduled to be sent.
Sent
wire.outgoing_return_request.sent
The outgoing return request has been sent to the Fed.
Manual Review
wire.outgoing_return_request.manual_review
The outgoing return request was placed in manual review.
Approved
wire.outgoing_return_request.approved
The outgoing return request has been approved, and the RDFI has initiated an incoming wire to return the funds to Column.
Rejected
wire.outgoing_return_request.rejected
The outgoing return request was rejected.
Completed
wire.outgoing_return_request.completed
The outgoing return request response has been completed.

Below are the states and events a wire drawdown request may go through. See wire drawdowns for more information.

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