1 | Credit Origination | An original push transaction that credits funds to a consumer’s account. |
5 | Debit Origination | An original pull transaction that debits funds from a consumer’s account. |
10 | Return — Push | The original push transaction was not accepted by the issuing bank and has been returned to Ingo. Most common on push-to-credit-card transactions. Also triggered by consumer or issuer-initiated disputes and chargebacks. Returns typically occur days after the original disbursement. |
14 | Refund | The original push or pull transaction was accepted by Ingo but declined by the issuing bank or payment network — typically because the consumer’s account is not in good standing. Refunds are generally created in real time. |
19 | Return — Pull | The original pull transaction was not accepted by the issuing bank and has been returned to Ingo. Most common on pull-from-account transactions. Also triggered by consumer or issuer-initiated disputes and chargebacks. Returns typically occur days after the original request. |
24 | Adjustment Credit | A settlement credit adjustment to an original push or pull transaction that was accepted by both Ingo and the issuer. Issued in response to a transaction-related event after the transaction has settled. |
25 | Adjustment Debit | A settlement debit adjustment to an original push or pull transaction that was accepted by both Ingo and the issuer. Issued in response to a transaction-related event after the transaction has settled. The reason for the adjustment is indicated by the reported reason code. |
