November 2024

Version 1.89

November 13

• Update Customer Name in Aggregation Portal and the Aggregation Request: This feature ensures that when a customer's name is updated in the Zum Rails portal, it automatically syncs with the aggregation portal. This change keeps customer information consistent across systems, and ensures all current and future aggregation requests reflect the updated customer name.

October 2024

Version 1.87.0

October 16

• Customer Country Display in the Customer list: This feature adds a field to display the customer's country (USA or Canada) in the customer list. Partners can quickly distinguish between customers by country and filter the list accordingly.
• Cross-Account Wallet Transfer for Partners: This feature allows partners to move funds directly between customer wallets across different accounts. It streamlines the process of transferring money between related customer accounts, reducing the number of transactions required and increasing the speed of fund movement.
• Temporary Fund Hold for Credit Card Customers: This feature enables credit card merchants in Canada to request a temporary hold on a specific amount of funds in their account. It allows merchants to reserve money for a future transaction or service, ensuring that the required funds will be available when needed.
• Display Transaction Types Based on Enabled Payment Methods: This feature ensures that only transaction types that are enabled for the customers will be optional when creating a new transactions. This reduces confusion by preventing the selection of transaction types that ca
• Late Failure Transaction Testing in Sandbox: This feature allows customers in the sandbox environment to fully test the flow of late failure transactions, ensuring their systems can handle such scenarios. It includes updates to transaction status, wallet balance adjustments, and visibility of failed transactions in both Zum admin and customer dashboards.

Version 1.86.0

October 1

• Insights Webhook – Enabling Completed Event: Customers using the Insights platform can now test both "Completed" and "Failed" webhook events within the Sandbox and Master environments. This capability allows customers to simulate real-world scenarios and ensure the webhooks behave as expected.
• Daily withdraws for EFT Desjardins: Customers who have Desjardins as their EFT provider can set up daily withdrawals from their wallet to their funding source.
• Create "Failed" transaction webhook event: Customers can opt to listen to failed transactions via webhook.
• Improve webhook-failure notifications: Customers can expect to receive more information related to the transaction part of the failed webhook.

September 2024

Version 1.85.0

September 18

• Credit Card Soft-Descriptor Configuration: US credit card customers can now customize soft descriptors on the payment method level or at the individual transaction level.
• Interac AP batch CSV: Customers using RBC Interac can now initiate multiple AccountsPayable transactions at once by uploading a transaction batch file.
• Real-Time Fraud Checks for US Credit Card Transactions: US credit card transactions are now subjected to fraud checks in near real-time. If a transaction is flagged for review, it is placed in “Under Review” status and the funds are held until the risk team completes the evaluation.

Version 1.84.0

September 04

• Aggregation Status Page Enhancements: The aggregation status page now includes pagination to handle a larger number of financial institutions. Users can also search and filter for specific institutions.
• Enhancements to Bank Accounts of Connected Users: If a customer manually updates their bank account information using the portal or API, the aggregation-based data for that bank account will no longer be visible.

August 2024

Version 1.83.0

August 19

• Auto Top up for Züm Wallet: Customers can now set up their wallet settings to maintain a minimum balance automatically. The system will automatically initiate a “Fund Zum Wallet” transaction from a pre-defined funding source, adding enough funds to reach the minimum balance required.
• Add webhooks for Insights: Customers can now receive real-time notifications via the Insights webhook when the Transaction Categorization process is completed or if it fails. To activate this feature, customers must configure it under Settings > Webhook & API Settings. They can choose to receive notifications for successful completions, failures, or both. The webhook payload includes the following data points: Event (Completed or Failed), CustomerId, RequestId, and CreatedAt.
• Increased Character Length for Business Usernames: Canadian customers can now create business user names with up to 100 characters.

Version 1.82.0

August 6

• Gross settlement & billing: we now support gross-billing for credit card acceptance in US.

July 2024

Version 1.81.0

July 23

• Improvements to batch page: The transaction batch page has been updated to enhance user experience.

Version 1.80.0

July 10

• Enhanced Account Verification for US Customers: US customers can now validate account owner information using Connect UI/SDK in addition to account verification.
• Real-time balance checks for US Customers: US customers can now request an update on a user's connected bank account balance using the UI or API.
• Extended coverage for Data Aggregation in Canada: We have added support for new financial institutions in Canada, including credit unions and business bank accounts.
• Batch Upload for AP Processing: US customers can now upload files to process accounts payable ACH transactions in bulk.

June 2024

Version 1.79.0

June 25

• Instant Account Verification using Connect UI/SDK: This update allows US users to securely connect and verify their account details in real-time.

Version 1.78.0

June 10

• Bulk ACH Processing for US Customers (Accounts Receivable Only). US businesses can now upload files containing multiple ACH transactions for faster, more efficient processing.
• API Access to Transaction Limits: Partners can leverage our API to retrieve information about a customer's configured transaction limits and remaining available balance.
• Enhanced API for Connected User Name Matching: Customers can now utilize the API and see if the user's provided name matches with the information obtained from the bank account.

May 2024

Version 1.77.0

May 28

• Improved Data Accuracy for Canadian Accounts: All chequing and savings account numbers retrieved through aggregation services are now validated for accuracy, ensuring reliable financial information.

Version 1.76.0

May 15

• Connect UI/SDK for US customers now supports ACH payment method.
• Users logging in to the portal UI can now choose to skip entering OTP code every time by selecting an option to trust the device for the next 15 days. OTP code is still required when the user attempts to login after 15 days, uses another device/browser, or updates the password.

April 2024

Version 1.75.0

April 29

• All reported chargebacks on US credit-card transactions are automatically accepted after the chargeback due-date has passed.
• Admins can now filter for chargebacks that are pending action, as well as chargebacks on which an action was performed.
• Aggregation users can be redirected to a specific institution’s credentials page.
• Customers can customize text on loading and success screens on Connect UI.
• Interac customers who receive fraud-alert emails for transactions that are in review can now click on the call-to-action to navigate to the transaction’s detail page. Customers are able to take an action on the transaction’s detail page.

Version 1.74.0

April 15

• For US credit card transactions, chargebacks that are disputed will raise a service ticket with support automatically. Customers are also able to filter.
• US customers can set up daily withdraw using ACH. Customers can download daily-withdrawal reports as well as set up notifications in the portal.
• The end-user terms and conditions for Aggregation have been updated.

Version 1.73.0

April 2

• Chargebacks for US credit card transactions are now reported in the portal, through webhooks and email notifications. Portal users will now be able to filter for chargebacks and export affected transactions.
• Late failures of US ACH transactions will adjust the wallet balance automatically.

March 2024

Version 1.72.0

March 5

• Enhancements have been implemented in the aggregation architecture to boost success rates and extend support to new institutions in the future.

February 2024

Version 1.71.0

February 13

• A customer, partner or Zum admin can now view extra fields supplied via Aggregation (Connector) UI/SDK under Aggregation > Requests on the portal. Portal users can also search for a request using these extra fields.
• End users can now view Aggregation request-id when a connection results in a failure.

January 2024

Version 1.70.0

January 22

• Customers can now save credit cards issued outside US, through portal UI or API.

Version 1.69.0

January 8

• The ability to take action for Under Review Interac transactions is now extended to the API user.
• Name matching threshold for Interac transactions can now be customized and configured per customer.

December 2023

Version 1.68.0

December 27

• Customers can now download a list of transactions constituting the lumpsum amount deposited through auto-withdrawal. This will help customers reconcile transactions on Zum with their bank accounts.
• Portal users can filter Users and Transactions by bank account number.

Version 1.67.0

December 11

• Customers can now customize call-to-action (CTA) on Connect UI, for each payment method. The CTA text can be customized in both English and French languages.
• Customers and partners can now navigate to the platform status page through the portal. The user-dropdown options in the top navigation bar have been reorganized.

November 2023

Version 1.66.0

November 27

• Allow customers and Zum admins to add account numbers up to 17-digits long.

October 2023

Version 1.64.0

October 31

• Customers can now pass an internal client user ID, and 2 extra fields through the connect UI and SDK and have those returned in all webhooks and responses.

Version 1.63.0

October 10

• Customers, partners and admins can now download all aggregation requests in .xls format.
• Customers testing Aggregation or Insights can now connect “Zum Rails Test Bank Account” and get realistic data and insights.
• Existing customers in sandbox and production who have set up webhook URLs will be automatically subscribed to the webhook-failure notifications.

September 2023

Version 1.62.0

September 26

• Customers using Connector UI/SDK can add a custom footer message on the account-selector screen.

Version 1.61.0

September 11

• Customers and partners can query the transaction limits using API.
• Customers can search for specific Interac transactions through the portal using the Reference ID.
• Customers will be automatically notified of webhook delivery failures every 8 hours.

August 2023

Version 1.59.0

August 15

• Logging into the portal UI requires entering OTP, unless in the case where SSO or 2FA are already enabled. The OTP code will be emailed to user’s email address.
• Customers can setup a new email notification when the wallet balance goes negative.

July 2023

Version 1.58.0

July 27

• Insights is out of beta and is now generally available.

Version 1.57.0

July 17

• Customers can now view and download a snapshot of their Zum wallets through wallet statements issued every month.
• Added aggregation support for Laurentian bank.

Version 1.56.0

July 04

• Per-transaction balances are now automatically calculated based on the last known balance and transaction amounts.
• Ability to specify an email specifically to receive Zum Rails billing invoices.

June 2023

Version 1.55.0

June 19

• Support aggregation for Vancity with multi-factor authentication.
• Merchants on Bambora can utilize subscriptions and recurring credit card payments to qualify end-users for a cashback and other discounts from card brands.
• Disable email notifications for invoicing and subscriptions to users from Zum Rails.

Version 1.54.0

June 05

• Consolidate ACH transaction events
• Subscribe to ACH transaction events through webhooks and notifications

May 2023

Version 1.53.0

May 23

• Cancel ACH transactions.
• Support AccountsReceivable (to funding source) for ACH.
• Add funding delay for inbound ACH transactions.
• Add a monthly volume limit field for all transaction types across US and CA payment methods. Note that this limit is not enforced.

Version 1.52.0

May 08

• Create and update AccountsReceivable (to wallet) and FundWallet transactions over ACH.
• Process funding files and be able to view these processed files in the portal.
• Transaction & counterparty risk monitoring for ACH.
• Support AccountsPayable (from funding source) over ACH.

April 2023

Version 1.51.0

April 12

• Insights has a new feature, “Conditional Formatting” that allows our customers (such as lenders) to spot anomalies and easily identify transactions that meet a certain criteria.
• We are now able to support General Ledger functionality for our Interac customers.
• We increased the character limit for the address-line fields to accommodate for long addresses

Version 1.50.0

April 3

• Changes to activity display-logic on the wallet page

March 2023

Version 1.49.0

March 27

• Instantly update AR transaction statuses for Interac (on RBC) by automatically reading the confirmation email.
• Onboard a US customer on ACH.

Version 1.48.0

March 13

• Support Alias registration for RBC.
• Added a new status, "Pending Cancellation", for ACH transactions.

February 2023

Version 1.47.0

February 27

• A feature to be able to specify the email address in the transactions batch file to avoid user duplication.
• The dashboard for customers has been updated to remove the “Month Billing” tile.

Version 1.46.0

February 13

• Ability to identify the type of transactions in the completed last day report for easy reconciliation
• Increased the character limit for the city field to 32 characters

January 2023

Version 1.45.0

January 30

• Added functionality to support setting up ACH as a payment method for customers
• Added functionality to specify US funding sources
• Added functionality to create & update US users

Version 1.44.0

January 16

• Adding support for product instrumentation and portal usage metrics
• Adding more FIs to the list of Interac ANR
• Adding more filters to audit log
• E-mail notification when webhook fail
• Sending welcome e-mails for partners
• Fixed minor bugs in the platform

Version 1.43.0

January 16

• Adding email notification for users when invoices fail
• Adding feature to collect feedback from partners
• Adding support for partners to add funding source directly in the portal with aggregation
• Improvements with Interact e-transfer
• Fixed minor bugs in the platform

December 2022

Version 1.42.0

December 28

• Improving banned accounts feature
• Improving insights UI
• Improving transaction monitoring
• Fixed minor bugs in the platform

Version 1.41.0

December 7

• Adding support to pause a subscription
• Adding the field FailedTransactionEvent in the transaction export feature
• Adding support for French language in data aggregation
• Adding new events to webhook settings
• Fixed minor bugs in the platform

Version 1.40.0

December 7

• Adding support for Amex cards
• Adding support to export users in csv format
• Disabling user transfers option
• Fixed minor bugs in the platform

November 2022

Version 1.39.0

November 30

• Adding support for partners to view customer integration codes
• Adding new transaction filters into the portal
• Adding 3D secure support for Connect UI and SDK
• Adding seed data for Insights in sandbox
• Fixed minor bugs in the platform

Version 1.38.0

November 16

• Improving Insights categorization
• Updating terms and conditions for the Connect UI and SDK
• Technical improvements related to performance of the application
• Fixed minor bugs in the platform

October 2022

Version 1.37.0

October 27

• Improving the layout for all emails sent by the application
• Improving Insights tooltips
• Adding Fintrac new fields into the portal
• Adding subscription start and end data into the invoices
• Improving Insights categorization
• Improving the brand customization in the portal
• Adding support to enable or disable permission for users to edit subscription
• Fixed minor bugs in the platform

Version 1.36.0

October 12

• Adding support to specify automatic retries for failed invoices
• Adding a new field in the API to allow our clients to specify a ClientUserId when adding a new user
• Improving Interac e-transfers send and request money
• Fixed minor bugs in the platform

September 2022

Version 1.35.0

September 28

• Adding support to reconnect an account in Data Aggregation
• Adding support to send SMS or Email invitaiton to connect an account with Data Aggregation
• Allow to specify the sender email address for Interac e-transfers
• Improving audit logs description
• Adding support for partial refunds for Credit Card
• Improving Insights categorization
• Fixed minor bugs in the platform

Version 1.34.0

September 14

• Adding support for Data Aggregation into the SDK and Integration Codes (iFrames)
• Adding Insights data dictionary

August 2022

Version 1.33.0

August 18

• Adding new capabilities to enable or disable payment types per customer
• Adding new columns to the transaction export feature in the portal
• Applying brand customization when using Connect and Aggregation name matching
• Adding French in the connect, ui and terms and conditions
• Sandbox automation
• Improving user permissions in invoices and subscriptions pages in the portal
• Fixed several minor bugs in the platform

Version 1.32.0

August 04

• New filters for portal aggregation page, allowing to search by customer
• New transactions limits configuration for multiple payment rails
• Allow to search users based on the rails available/enabled for the user
• New way to simulate Interac transactions in sandbox, we now send emails for all flows just like it would be in production
• New reports, Interac fraud alerts
• Fixed several minor bugs in the platform

July 2022

Version 1.31.0

July 28

• Automate sandbox onboarding
• Invoices/Subscription export: Add columns Customer Name, User Name, User Email...
• User full name pattern check
• Include transaction status in the transaction details page
• Fixed several minor bugs in the platform

Version 1.30.0

July 28

• Create fields to accept peoples trust account information for visa direct
• Enable aggregation and name matching with Zum Connect
• Fixed several minor bugs in the platform

Version 1.29.0

July 18

• Fraud alert response required for completed transactions
• A new section in the portal for clients to view all requests from aggregation
• A new section in the portal for clients to view the % success rate for each aggregation institution
• Adding some tooltip explanation to the portal
• Fixed several minor bugs in the platform

June 2022

Version 1.28.0

June 08

• Mobile connect UI Validation fix
• Production onboarding widget
• Security enhancements
• Fixed several minor bugs in the platform

May 2022

Version 1.27.0

May 26

• Add the ability to Assign Customers to a partner
• Add the ability to send an email request to a customer to add funding source
• Add the ability to set a daily Volume limit per day
• Interac AR limit increase from 10k to 25k
• improve the loading of data in the Portal by using the Pulse loading
• Fixed several minor bugs in the platform

Version 1.26.0

May 03

• Interac ANR for Banks who supports it
• Update layouts of Detail and View pages for (Product, invoices, Subscription, tax rate and shipping rate)
• Update several layouts of List pages
• Other layout improvement
• Fixed several minor bugs in the platform

April 2022

Version 1.25.0

April 13

• Enhance the loading pages process in the Zum Connect by adding the Pulse loading
• Filter changes in the portal pages
• Fixed several minor bugs in the platform

Version 1.24.0

April 13

• Add new webhook events for Invoices and Subscription
• Add Visa Debit Card type validation
• Revamping the User details page in the portal
• Fixed several minor bugs in the platform

March 2022

Version 1.23.0

March 23

• Add Invoices and Subscriptions Report
• Add Transaction Summary to Reports
• Add Embedded Code for Zum Connect
• Enable the possibility to integrate with ZumRails SDK
• Add Invoices and Subscriptions in the User details page in Zum Portal
• Add new query strings to pre-fill billing address for Zum Connect
• Fixed several minor bugs in the platform

Version 1.22.0

March 07

• Add Accounts Payable Report
• Add Accounts Receivable Report
• Add Last day Report
• User portal to allow users manage their invoices, manage, update and cancel their subscription
• Add a new invoice status "Draft"
• Fixed several minor bugs in the platform

February 2022

Version 1.21.0

February 10

• Bulk batch functionality
• Allow customers to manage and add shipping for invoices and subscriptions
• Allow customers to manage and add taxes for invoices and subscriptions
• Realtime invoice preview when creating it
• Portal Redesign
• Add Failure Report feature, that allow customers to view and analyse which transactions are failing and why they are failing.
• Welcome email update
• Activation email update
• Fixed several minor bugs in the platform

January 2022

Version 1.20.0

January 24

• Adding brand customization module, allowing clients to customize the look and feel of the public facing pages
• Added the transaction in review enhancement for Interac
• Add password requirement to send webhooks manually via portal
• Included Canadian territories to the dropdown list in the portal
• Date time, column alignments and ordering improvements in the portal
• Email confirmation when subscription is cancelled or updated
• Embedded codes new page in the portal, allowing clients to copy and paste the codes easily
• Fixed several minor bugs in the platform

December 2021

Version 1.19.0

December 22

• Invoices & Subscriptions: Allow to get the checkout URL for a particular product or specific product price
• Adding SSO authentication with Google and Microsoft services
• Adding two-step-authentication with Google Authenticator
• Adding an option allow defining the CSV delimiter, comma or semicolon
• Reorganized the portal tables and columns
• Other Minor fixes

Version 1.18.0

December 10

• Added the invoice payment iFrame
• Added the subscribe to product iFrame
• Added the customer name column for batch transaction list
• Added the account creation date for the customer list
• For team members with certain permissions, mask the user’s bank account information
• Other Minor fixes

November 2021

Version 1.17.0

November 26

• Adding audit trail logs
• Adding created, completed, cancelled and failed dates to the transaction details page in the portal
• Security improvements
• Allow partners to export to CSV the list of customers
• Other Minor fixes

Version 1.16.0

November 15

• Product, invoices and Subscription
• Other Minor fixes

October 2021

Version 1.15.0

October 01

• Accept terms and Conditions at first time login for new account was added as a mandatory step.
• Team Management - export team members list to excel
• Add/Edit User pages enhancement
• Bambora Credit card Refund (available only for account receivable transactions with CC and Bambora)
• Other Minor fixes

September 2021

Version 1.14.0

September 20

• Interac Accounts Payable - ANR - Account Routing Number. Now users with bank account information can receive Interac e-transfers directly in the informed bank account.
• Adding billing and shipping address for user profile
• User portal UI improvements
• Interac automatic expiration - Allow to specify how many days Interac transactions will automatically expire
• Several small portal UI improvements and fixes

August 2021

Version 1.13.0

August 23

• New portal UI
• Wallets unification, new accounts now have only 1 wallet for all rails
• Adding the Memo column in the Last Day Report csv file

May 2021

Version 1.12.0

May 31

• Localization (English and French) for Connect.
• Improve of the Time Response of Interac send money.
• Fixed several minor bugs in the platform.

Version 1.11.0

May 13

• Adding Team Management Feature.
• Adding the ClientTransactionId in transaction endpoint
• Adding capability to filter by ClientTransactionId from the portal
• Fixed several minor bugs in the platform.

Version 1.10.0

May 07

• Adding Interac intraday Reports.
• New design for Zūm Connect.
• Fixed several minor bugs in the platform.

April 2021

Version 1.9.0

April 19

• Adding password confirmation before generating a new API keys.
• Interac enhancements.
• Fixed several minor bugs in the platform.

March 2021

Version 1.8.0

March 24

• Adding the user to wallet -> wallet to user (User Transfer) type of transaction for EFT.
• Adding the user to wallet -> wallet to user (User Transfer) type of transaction for Visa Direct.
• Adding the capability to export to CSV the wallet history.
• Adding webhooks events for recurrent transactions.
• Adding new UI for batch transactions, to view, filter and delete transactions by batch CSV.

Version 1.7.0

March 06

• Adding the batch csv id for each batch csv imported.
• Adding the possibility to automatically daily withdraw all funds from wallet to funding source, grouped or not by batch csv.
• Portal enhancements for user, customer and wallet search.
• Several performance improvements in the platform.

February 2021

Version 1.6.0

February 21

• Minor improvements and hotfixes

Version 1.5.0

February 08

• Adding the possibility to verify if a credit card is valid by doing a 1 cent transaction. This feature allows our clients to verify a card while creating a new user entity, and then to make a decision to proceed or reject.
• Adding new billing functionalities for Interac and Visa Direct. Our client can now preview the monthly billing directly in the dashboard. The monthly billing will be available as well under the billing menu starting in January 2021.
• Adding the possibility to automatically withdraw funds from wallet. When enabled, all funds from the wallet will be withdrawn daily to the designated funding source.
• Adding the confirmation password field when redefining or creating a new password. This will help customers to memorize their password.
• Improved the portal dashboard performance.
• Fixed several minor bugs in the platform.

January 2021

Version 1.4.0

January 23

• Adding fast EFT option to enable faster Accounts Receivable and Accounts Payable transactions
• Adding the capability to include recurrent transactions for Visa Direct, Interact and Merchant Credit Cards
• Improving Interac error code descriptions to better understanding failures
• Adding the capability to include JPEG and PNG images for Zūm Connect
• New design for Zūm Connect
• Fixed several minor bugs in the platform

Version 1.3.0

January 05

• Introducing several security patches to the entire product
• Adding notifications module (beta)
• Adding transactions limit (beta)
• Adding the capability to filter wallet transactions

December 2020

Version 1.2.0

December 20

• Adding the possibility to add a new user directly in the transaction endpoint
• Creating PATCH endpoint to allow user information to be partially updated
• Adding webhook events for Credit Card and Visa Direct transactions
• Several minor improvements

Version 1.1.0

December 10

• Adding Plaid aggregation
• Adding webhooks events for new customers
• Adding recurrent transactions in request funds form
• Adding send funds form (beta)
• Several minor improvements