Transaction Codes

Understanding Account History and Payment Details

In order to understand, properly parse, and join transaction and payment details a solid understand of key terms is essential:

Account history - is a reflection of transactions posted (memo or hard) to a bank account on Silvergate’s core system ledger. Note these transactions are final. They are never edited, rather reversal entries made if necessary. Account history is a global view of all transactions.

Payment history - shows deep details of certain payments which are processed via the Silvergate payments hub. Primary examples are domestic wires, international payments, and FX payments. Payment history may be joined with account history via a transaction’s “payment_id”.

Unique_id – is returned in the account history only and is especially useful to help recognize new transactions when polling intraday.

Payment_id – this is an identifier generated by the Silvergate back office payment hub system.

Transaction codes – all account history records have an associated transaction_code which classifies a transaction by type and often by channel as well. Transaction_code labels can be useful when looking to recognize and parse specific types of activity. See details in Specifications section below.

How Unique ID Is Tied with Transaction Type

The majority of account history transactions reflect back a unique_id immediately, including SEN transfers and all types of wire payments. There is also a group of transaction types for which the unique_id only becomes available after that transaction runs through an initial banking day close process (which occurs only on banking days at roughly 8:00 PM PST). As a result, we hold back in creating and displaying those unique_id values until they are ready. This is why you may return no value, i.e. “unique_id”: “ ”.

transaction_code specification

transaction_code	Transaction Description	unique_id Type
20	Deposit	Immediate
25	Transfer Credit	Immediate
44	Wire, Legacy	Immediate
71	Insufficient Funds Charge	Immediate
82	Transfer Debit	Immediate
90	Check	Immediate
94	Wire, Legacy	Immediate
4005	SEN Credit via API v2	Immediate
4007	SEN Credit via API v3	Immediate
4024	Internal FX Transfer Credit Portal	Immediate
4028	Portal SEN Credit	Immediate
4029	Portal Int Credit	Immediate
4031	API v3 Internal Transfer Credit	Immediate
4034	Internal FX Transfer Credit API	Immediate
4051	Wire Credit, Legacy	Immediate
4052	Wire Credit	Immediate
4054	Foreign Wire Credit	Immediate
4090	Book Transfer Credit	Immediate
4091	FX Credit	Immediate
4099	Wire Return Credit	Immediate
4225	Euro Internal Transfer Credit, API	Immediate
4226	Euro Internal Transfer Credit, Portal	Immediate
4227	Euro SEN Transfer Credit, API	Immediate
4228	Euro SEN Transfer Credit, Portal	Immediate
4254	EUR Wire Credit	Immediate
4290	Euro Book Transfer Credit, Legacy	Immediate
4299	EUR Wire Return Credit	Immediate
9024	Internal FX Transfer Debit Portal	Immediate
9028	Portal SEN Debit	Immediate
9029	Portal Int Debit	Immediate
9031	API v3 Internal Transfer Debit	Immediate
9034	Internal FX Transfer Debit API	Immediate
9056	Wire Debit	Immediate
9058	Foreign Wire Debit	Immediate
9062	Online Wire Debit	Immediate
9064	Online Foreign Wire Debit	Immediate
9071	Foreign Outgoing Wire Fee	Immediate
9073	Domestic Outgoing Wire Fee	Immediate
9082	API v2 Internal Transfer Debit	Immediate
9084	SEN Debit via API v2	Immediate
9086	SEN Debit via API v3	Immediate
9090	Book Transfer Debit	Immediate
9091	Online Book Transfer Debit	Immediate
9092	API Wire Debit	Immediate
9093	API Foreign Wire Debit	Immediate
9094	API Book Transfer Debit	Immediate
9095	FX Wire Debit	Immediate
9096	FX Conversion FX Debit	Immediate
9097	Wire Return Debit – Manual International	Immediate
9098	Wire Return Debit – Manual Domestic	Immediate
9099	Wire Return Debit	Immediate
9162	Correspondent Domestic Wire Debit	Immediate
9164	Correspondent Foreign Wire Debit	Immediate
9226	Euro Int Transfer Debit, Portal	Immediate
9227	Euro SEN Transfer Debit, API	Immediate
9228	Euro SEN Transfer Debit, Portal	Immediate
9258	Euro Wire Debit	Immediate
9282	Euro Int Transfer Debit, API	Immediate
9290	Euro Book Transfer Debit	Immediate
9293	Euro Wire Debit, API	Immediate
9299	Euro Wire Debit	Immediate
23	ATM Credit (authorization - temporary)	Ignore
53	ATM Debit (authorization - temporary)	Ignore
64	POS Debit (authorization - temporary)	Ignore
10	Debit Reversal (Non-Printing)	Delay
15	Interest Paid at Closing	Delay
16	Closing Debit	Delay
21	ACH Credit	Delay
22	ATS Credit	Delay
28	Telephone Transfer Deposit	Delay
30	Credit Memo	Delay
39	Interest Earned	Delay
41	Debit Reversal (Printing)	Delay
46	Mail / Lockbox Deposit	Delay
51	Credit Reversal (Printing)	Delay
52	Chargeback	Delay
54	Branch Withdrawal	Delay
56	Check	Delay
60	Debit Memo	Delay
61	Returned/Reprocessed Item Handling Fee	Delay
68	Debit Accruals	Delay
75	Service Charge	Delay
76	Cashiers Check	Delay
83	Bank Float	Delay
84	Telephone Transfer Withdrawal	Delay
86	ATS Debit	Delay
89	ACH Debit	Delay
92	Loan Payment	Delay
103	Refund Outgoing Wire Fee	Delay
111	Refund Returned/Reprocessed Item Fee	Delay
154	Refund of Analysis Fee	Delay
1075	Service Charge Credit	Delay
2025	eBanking external transfer credit	Delay
2100	ACH Return Credit	Delay
2190	ACH Offset for Originated Debits	Delay
2191	Federal Benefit Payment	Delay
2202	Surcharge Rebates Credit	Delay
2274	POS Purchase Return - PIN	Delay
2275	POS Purchase Return - PIN	Delay
2504	Sweep Primary Credit	Delay
2505	Sweep Secondary Credit	Delay
2510	ZBA Primary Credit	Delay
4013	Analysis Service Charge Refund	Delay
4020	Remote Deposit	Delay
4030	Mobile Deposit	Delay
5101	Stop Payment Fee	Delay
5302	ACH Origination Fee	Delay
5310	ACH Same Day Origination Fee	Delay
7100	ACH Return Debit	Delay
7189	Bill Pay Debit	Delay
7190	ACH Offset for Originated Credits	Delay
7214	ATM Withdrawal	Delay
7215	ATM Withdrawal	Delay
7255	POS Purchase With PIN	Delay
7264	POS Purchase Non-PIN	Delay
7265	POS Purchase Non-PIN	Delay
7291	Person-to-Person Transfer	Delay
7504	Sweep Primary Debit	Delay
7505	Sweep Secondary Debit	Delay