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When a transaction is created via the API and passes initial validation, it will return a status of QUEUED. This indicates the transaction has been accepted and entered into GrailPay’s processing pipeline. Transactions in a QUEUED state are processed in FIFO (First In, First Out) order based on their queued_at timestamp. No priority is applied based on merchant, transaction type, amount, or modality. In rare cases, a transaction may be re-queued — for example, if an internal processing error occurs that requires the transaction to be retried. When this happens, the queued_at timestamp is overwritten with the new queue time, so the transaction’s position in the queue is determined by the updated timestamp rather than the original submission time. This means a re-queued transaction may process after transactions that were submitted later.

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How it works

Once queued, GrailPay handles ACH creation and webhook delivery asynchronously. This means your integration receives a successful response at transaction creation — processing happens in the background as soon as conditions allow.

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Why transactions may remain queued

A transaction will remain in a QUEUED state until it can be processed. Common reasons include:
  • Banking partner unavailability — The transaction will process as soon as the partner comes back online, in FIFO order.
  • Origination limit reached — If the 24-hour origination limit has been reached, the transaction will process once the limit rolls over.
Prior to this change, either of the above conditions would result in a transaction creation error. Transactions are now accepted regardless, eliminating failures caused by partner outages or usage limits.

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Webhooks

You will receive a webhook notification when your transaction moves out of QUEUED and begins processing. See Transaction Webhook Events for details.