New Account Type Field for ATM Transactions

Release Date

July 1, 2025

Products Affected

ASA and Transaction APIs

Impact

New field added to ASA requests and Transaction events providing account type visibility for ATM transactions

Audience

All customers

Action Required

None, this change is additive only

Overview

The new account_type field included in transaction data shows which account (checking, savings, etc.) cardholders select at ATMs. This enables accurate decline messages and account-specific authorization decisions, avoiding confusing generic errors when cardholders select accounts not linked to their card.

Details

The new account_type field appears at the root level of ASA and transaction event objects for ATM transactions only (withdrawals, deposits, balance inquiries). The field is null for point-of-sale transactions.

Values:

DEFAULT - The cardholder's default account when they don't select a specific account or the ATM doesn't offer account selection
CHECKING - Checking account when the cardholder selects "Checking" at the ATM
SAVINGS - Savings account when the cardholder selects "Savings" at the ATM
CREDIT_CARD - Credit card account when accessing available credit
null - No account type specified for non-ATM transactions or when account type cannot be determined

Example: ASA Request with Account Type

{
  "merchant": {
    "acceptor_id": "333301802529120",
    "descriptor": "ATM WITHDRAWAL",
    "mcc": "6011"
    // ... other merchant fields
  },
  "card": {
    "token": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
    "last_four": "1234"
    // ... other card fields
  },
  "account_type": "SAVINGS",  // New field
  "amount": 10000,
  // ... additional required fields
}

Release Timeline

Production: Tuesday, July 1st, 2025

User Impact

This change is additive only and doesn't require modifications to any existing integrations.

Updated Documentation

Visit our API Reference for integration details.

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