Changelog

Notable changes to the Payload API

Changes that may affect your integration, newest first and dated by production release. Each entry is tagged Added, Changed, Deprecated, Removed, or Fixed.

2026-07-07

Added

• New decline code: balance_unverifiable. Bank account transactions can now be declined with balance_unverifiable when balance check is enabled but the account's bank doesn't provide an available balance to verify against. This is distinct from a balance-check failure, so you can tell the two apart and prompt the customer to use a different payment method. It comes through as a standard TransactionDeclined with the new value on status.code, so existing decline handling continues to work. See Handling Payment Declines.
• Capture processing agreement acceptance when boarding via the API. When you create a processing account through the Accounts API, you can now submit the business's ESIGN-compliant acceptance directly on the account as the processing.agreement object — the acceptance timestamp, the verbatim assent statement, the authorized signer and their device, an optional consent-event timeline, and a content-addressed reference to the exact terms revision accepted (Payload returns a tamper-evident SHA-256 hash of that document). Re-signing updated terms creates a new agreement and preserves the prior one as history. See the Processing Agreement reference.