Vortex Release Version (August 30, 2026)

Updated Vortex settlement file generation to use the client-provided Destination Country Code when available, preventing incorrect defaults to 840 (USA) for international transactions. The country code now aligns with the destination postal code and defaults to 840 only when no valid country code is provided. The update applies consistently across TSYS, Fiserv North, and Fiserv Omaha settlement formats.
Enhanced BIN lookup and routing logic to evaluate the most specific available BIN match in descending order of specificity (9-digit, 8-digit, 6-digit, then 4-digit). This ensures eligible debit transactions are correctly identified for PINLESS/SMS routing when less-specific BIN metadata is unavailable. Checkout and Vortex routing now correctly set the SMS flag for eligible PINLESS debit transactions so they are submitted as 0200 rather than 0100. Automated test coverage was also added for BIN matching fallbacks, multiple routing matches, missing BIN metadata, and non-eligible debit, credit, and Discover BINs.
Enhanced the Suspend Funds workflow to support SMS funds, allowing authorized Risk and Ops users to configure percentage-based SMS fund suspensions for defined date ranges. SMS suspension rules are saved against the merchant account, logged with the SMS fund source, and enforce the required validation and authorization rules.
Enhanced SMS fund processing to automatically divert the configured percentage of a merchant's SMS funds to a designated internal reserve account while an SMS suspension rule is active. The diversion updates reserve and suspended SMS fund balances while ensuring funds return to normal merchant settlement when the rule is inactive or expired.
Enhanced the Vortex-to-MXC payment flow to support reserve payments, allowing SMS reserve payment transactions to be recorded in MXC. Funding transaction records now flow from Vortex to MXC, providing visibility into reserve payments for reporting and reconciliation.
Enhanced the MXC Suspended Funds UI with a consolidated Total Reserve Funds view that combines processor reserve funds and SMS suspended funds. Risk and Ops users can now view total reserve exposure along with a breakdown of individual processor and SMS balances.
Enhanced the Suspended Funds SMS workflow to allow Risk users to initiate partial or full fund releases directly from the MXC UI. Releases now create a tracking case, reduce the displayed suspended balance, and record release details for PayOps processing and reconciliation.
Enhanced reserve audit logging to track changes to Priority reserves alongside existing TSYS reserve information. The audit log now combines reserve activity while preserving existing sorting, filtering, and formatting behavior.
Introduced the new MX VTX Reserve API as the central hub for Priority reserve logic. The service includes standard API configuration, documentation, health and version endpoints, and deployment support across environments.
Enhanced Stripe payment method update handling to verify that a payment method exists in the internal MXM vault before processing Vault and Forward requests. Requests are now executed only when the payment method is mapped to an internal token, with appropriate logging when no matching token is found.
Updated refund and void processing to ensure the original Sale Completion transaction's refundedAmount reflects only active, non-voided refund amounts. Full and partial refund voids, refund adjustments, and out-of-order or repeated voids are now handled correctly without allowing refundedAmount to become negative.

Impact

These updates improve settlement accuracy, payment routing, reserve management, and refund processing across the Vortex platform. Enhanced country code handling ensures international settlement files contain accurate destination information, while improved BIN matching ensures eligible PINLESS debit transactions are routed correctly. New SMS reserve capabilities provide greater control and visibility over suspended funds, including reserve tracking, audit logging, fund releases, and MXC reporting. The new MX VTX Reserve API establishes a centralized foundation for Priority reserve management, while Stripe payment validation and refund processing improvements strengthen payment data integrity and financial accuracy.