Unit.co: what happens to pending payments when an account closes

TL;DR

Closing an account does not cancel in-flight activity.

Fix

1. Closing an account does not cancel in-flight activity. Expected: you can confirm this matches your situation.

When to use

• You are setting up or using this Unit.co feature.
• The symptom matches: what happens to pending payments when an account closes.

When NOT to use

• Unrelated Unit.co issues (different feature, different failure).
• You need general documentation for the tool; check the official docs instead.

Compatibility

Reported against Unit.co. Source: https://support.unit.co/hc/en-us/articles/23596061278228-Will-closing-an-account-cancel-any-pending-payments-from-the-ac.

Variant phrasings

what happens to pending payments when an account closes

Why it happens

Closing an account with pending payments and authorizations. Pending ACHs and authorized card transactions still settle; new ones decline.

Edge cases

• If your error message differs even slightly, this is probably a different issue; search the exact text.
• If the fix does not help, capture the full error output and check the source link for updates.

Source

https://support.unit.co/hc/en-us/articles/23596061278228-Will-closing-an-account-cancel-any-pending-payments-from-the-account

Source: Closing an account with pending payments and authorizations. Pending ACHs and authorized card transactions still settle; new ones decline.

Verified resolution: [Unit help center]: closing an account does not cancel in-flight activity. Pending debit-card authorizations in Authorized status go through; new authorizations are declined automatically. Outgoing ACHs initiated before closure still go through. Incoming ACHs after closure are returned with AccountClosed (R02); you get webhook events for them and can see them in the dashboard, as you can for declined post-closure card authorizations. Plan webhook handling for the AccountClosed return code before closing accounts programmatically.

Source URL: https://support.unit.co/hc/en-us/articles/23596061278228-Will-closing-an-account-cancel-any-pending-payments-from-the-account