Origination Review

The Origination Review feature introduces an optional control point between payment readiness and origination. When enabled, payments must be manually released before they can be included in an origination file.

This feature is designed to help you:

• Review totals before origination

• Confirm counts and amounts by merchant, merchant group, or processor

• Reduce errors by adding a final verification step

• Release payments in bulk for efficiency

If Origination Review is not enabled for your account, your origination workflow remains unchanged.

Overview

When Manual Processing Release is enabled for a tenant, origination cannot proceed until eligible payments are explicitly released.

• Payments that are ready for origination will not be originated when you build files

• You must review and release payments first

• Only released payments can be included in an origination file

This review step is especially useful for teams that want additional control or visibility before funds are originated.

The Origination Review section is located in Processing > Originations if the feature is enabled.

Release Grouping

Payments are grouped into release groups to match how merchants typically reason about their activity.

Current Grouping

Each release group represents a master record with associated payment details. Groups are aggregated by the highest relationship available to the merchant.

• Processor (highest)

• Merchant Group

• Merchant (lowest)

What You See

• A list of groups with pending payments

• Aggregated totals per groups, including:

  • Number of payments

  • Debit totals

  • Credit totals

  • Net amount

• Release status for each group

This view is designed to match how merchants typically review their activity.

Reviewing Group Totals

Each row in the list represents a release group.

From this view, you can:

• Quickly scan totals across groups

• Identify which groups are ready to be released

• Select one or multiple groups for bulk actions

This allows you to confirm that amounts and counts look correct before moving forward.

Payment Details

Clicking on a group opens a detailed view showing the individual payments that make up the totals.

From this view, you can:

• See all payments included in the group

• Verify individual amounts

• Confirm totals match expectations

• Open individual payments for further review

Release Actions & Workflow

Supported Actions

Users can perform the following actions:

Group-Level Actions

• Release by group

• Bulk release multiple groups

• Unrelease a group or multiple groups prior to file build

Payment-Level Actions

• Release individual payments

• Bulk release selected payments

• Unrelease individual or bulk payments prior to file build

How to Release Payments

Release a Single Group

From the Origination Review screen:

1. Select the action button for the individual group

2. Click Release

3. Confirm the action

Once released, the payments for that group are eligible for origination.

Bulk Release Multiple Groups

To release multiple groups at once:

1. Select multiple groups (or use Select All)

2. Review the combined totals

3. Click Release

4. Confirm the action

This is the recommended workflow for high-volume processing.

Tip: Bulk release is the fastest way to approve large numbers of payments.

Release a Single Payment

Individual payments can also be released from the details view.

1. Select the action button for the individual payment

2. Click Release

3. Confirm the action

Bulk Release Multiple Payments

To release multiple payments at once:

1. Select multiple payments in a detail grid (or use Select All)

2. Review the combined totals

3. Click Release

4. Confirm the action

Unreleasing Payments

If a payment or merchant was released by mistake, you can undo the action as long as the origination file has not yet been built.

You Can Unrelease:

• An entire group

• Multiple groups at once

• Individual and bulk payments from the details view

Unreleased payments will return to a pending state and will not be included in origination.

What Happens After Release

• Released payments become eligible for origination

• Origination files will include only released payments

• Payments that are not released will remain pending

Frequently Asked Questions

Do I have to use Manual Processing Release?

No. This feature is optional and must be enabled for your account.

Can I still review individual payments?

Yes. You can drill into group details and view individual payments at any time.

Can I undo a release?

Yes, as long as the origination file has not been built yet.

What if I don’t see this screen?

If you do not see Origination Review, the feature is not enabled.