Payment operations
post seed disbursements, move money, process returns, rebuild projections, and prove the ledger stayed balanced
Open batch value
$638.95
3 staged entries
Submitted entries
1
settlement pending
Returns in review
1
API returned 401
Command reviews
1
dual approval / exceptions
| Loan | Borrower | Command | Status | Amount | Evidence |
|---|---|---|---|---|---|
| #58044 | Marcus Reyes | capture | posted | $351.45 | capture-20260504.json |
Seed disbursement
post a seeded ACH credit, increase receivable balance, attach it to an open credit batch, and retain evidence
| Account | Direction | Amount | Purpose |
|---|---|---|---|
| Principal receivable | debit | $297.10 | Seed loan #58044 receivable |
| Operating cash | credit | $297.10 | ACH credit funding outflow |
Payment command
balanced ledger entries, idempotency, projection rebuild, return case creation, and evidence capture
Current balance
$297.10
Next aggregate
v2
Evidence source
payment-ops
| Account | Direction | Amount | Purpose |
|---|---|---|---|
| Cash clearing | debit | $297.10 | ACH settlement cash |
| Principal receivable | credit | $297.10 | Reduce loan #58044 receivable |
Adjustments and approvals
queue corrections, fee waivers, refunds, and reversals before ledger posting
Request adjustment
Review queue
| Form | Event | Required |
|---|---|---|
| Manual debit | capture | loan, amount, reason, evidence key, stored bank last4 |
| Manual credit | adjust | loan, amount, coded reason, evidence key, maker-checker status |
| Manual return | return | trace, loan, or entry search, return code, return reason, evidence key |
Seed ACH return
target a submitted debit entry, reverse the ledger impact, open review, and retain evidence
Batch
B-04302026-A
Trace
043020260000001
Amount
$303.38
| Ledger account | Direction | Amount | Result |
|---|---|---|---|
| Principal receivable | debit | $303.38 | Restore loan #57941 balance |
| Cash clearing | credit | $303.38 | Reverse ACH settlement cash |
ACH batches
open files, submitted windows, return risk, and retained export evidence
| Batch | Status | Entries | Amount | Processor |
|---|---|---|---|---|
| B-04302026-A | returned | 1 | $303.38 | demo-ach |
Return handling
return commands create ACH return cases, queue work, and preserve evidence
| Code | Reason | Customer | Amount | Status | Action |
|---|---|---|---|---|---|
| R01 | Insufficient funds | Devon Ortega | $303.38 | needs review | Open |
Payment audit trail
ledger transactions, command reviews, audit events, payload hashes, and evidence keys from the database
| Loan | Borrower | Command | Amount | Status | Ledger | Hash | Evidence |
|---|---|---|---|---|---|---|---|
| #58044 | Marcus Reyes | capture | $351.45 | posted | abababab | eeeeeeeeeeee | capture-20260504.json |
Balance projections
latest payment projection snapshots by loan aggregate
| Loan aggregate | Projected | Events | Hash | Action |
|---|---|---|---|---|
| 44444444-0001 | $648.55 | 1 | eeeeeeeeeeee | Open |
Reconciliation
NACHA export, settlement, returns, and ledger totals compared before close
| Source | Expected | Matched | Variance | Status |
|---|---|---|---|---|
| NACHA export | $303.38 | $303.38 | $0.00 | Balanced |
| Settlement files | $303.38 | $283.38 | $20.00 | Variance open |
| Return file | $303.38 | $303.38 | $0.00 | Balanced |
| Ledger projections | $648.55 | $648.55 | $0.00 | Review |
Close-day blocker resolution
Clear command reviews, reconciliation variances, and ACH return cases before recording business-day close.
1. Resolve 1 open variance next.
2. Close 1 return case.
3. Run Recheck close to refresh the blocker status.
| Type | Item | Detail | Severity |
|---|---|---|---|
| Variance | Settlement file S-04302026-A | -$20.00 - open - Settlement processor total is $20.00 short against the submitted debit batch and must be resolved before close. | critical |
| ACH return | R01 #57941 | Devon Ortega - $303.38 - needs review | critical |