Vortex Release Version (October 11, 2026)

Updated Discover processing to support Apple Pay 3DS transactions by passing the wallet cryptogram through DE122 DS03 and allowing valid transactions to proceed. Wallet transactions without a required cryptogram are handled appropriately, while DE55 and DE61 processing has been updated to align with Discover R26.2 requirements.
Updated AMEX wallet payment processing to support Apple Pay and other payment-token transactions when an ECI is not supplied by the wallet. For AMEX wallet payments, the ECI now defaults to 20 when missing or blank, while supplied ECI values continue to be preserved and persisted for settlement processing.
Updated chargeback funding processing to use the dispute ID as the funding transaction identifier when a batch ID is not available, allowing SMS PIN-debit chargebacks to proceed through ACH funding while preventing duplicate transactions during reprocessing. Existing SMS funding behavior remains unchanged, and invalid funding lines without a batch ID or dispute ID are rejected instead of creating transactions with undefined identifiers.
Enhanced funding processing to support multiple S3 source directories through configurable directory metadata, allowing SMS chargeback disbursement files to be detected and processed independently alongside existing SMS funding files. SMS chargeback funding now selects the merchant’s Billing/fees or Funding/deposits account based on the Use Deposits Account For Chargebacks setting.
Updated dispute funding files to use the funding/chargeback prefix and .csv extension so they can be processed by the funding bot. Dispute records now include a unique 15-character ACH external ID that distinguishes chargebacks from settlement transactions while preserving the correct debit or credit amount.
Updated ACS Stripe responses to include network decline and advice codes, along with corresponding messages and seller information for declined transactions. Approved transactions now consistently return standardized approval codes, messages, and network status information across account verification, authorization, adjustment, refund, reversal, sale, sale completion, and token transactions.
Added email notifications for ACSS debit transactions. When an ACSS debit enters processing, the merchant receives an email with the transaction amount, currency, and last four digits of the account.

Impact

These updates improve wallet payment processing, chargeback funding, transaction response handling, and merchant notifications across the Vortex platform. Apple Pay and AMEX wallet transactions now receive more consistent network processing, while enhanced chargeback funding workflows improve transaction identification and prevent duplicate processing. Improved S3 file handling, standardized ACS Stripe responses, and ACSS debit notifications provide more reliable funding operations, payment status information, and merchant visibility.