What Does “Action Required” Mean on ZendBusiness?

When you initiate a payment on ZendBusiness, the transaction first appears as Pending while our admin team reviews the details. If there is an issue that requires your attention, the status changes to Action Required.

This means that you must correct or update specific details before the payment can proceed.

Why Does Action Required Happen?

A payment status changes to Action Required when:

• Invalid or Missing Beneficiary Details – The recipient’s bank account number, name, or SWIFT/BIC code is incorrect or incomplete. If the bank cannot verify the beneficiary’s details, the payment will not be processed.
  
• Incomplete Compliance Documentation – If your payment requires KYC (Know Your Customer) or AML (Anti-Money Laundering) documents, but they are missing, outdated, or incorrect, the system will flag the transaction.
  
• Mismatched Payment Details – If the payment currency, amount, or reference number does not match the requirements of the recipient’s bank, the payment may be flagged.
  
• Bank-Specific Issues – Some banks require additional verification for transactions. If the recipient’s bank requests further information, you will need to provide the required details.
  
• Regulatory Checks – Payments undergo regulatory screening, and if a potential issue is detected (such as a sanctioned recipient or high-risk transaction), additional information may be required before approval.

What Should You Do?

1. Click on the Action Required notification on your ZendBusiness dashboard.
   
2. Review the specific reason for the status update.
   
   
3. Correct the necessary details, such as:
   • Updating the recipient’s bank account information.
     
   • Providing missing compliance documents.
     
   • Adjusting payment details to match the required format.
4. Resubmit your payment request.

Fixing these issues promptly ensures that your payment is processed without unnecessary delays.

Conclusion

When a payment status changes to Action Required, it means there’s an issue that needs your immediate attention.

Taking prompt action by reviewing the notification, correcting any errors, and resubmitting the request ensures that your transaction moves forward without delays.

By staying proactive and ensuring accurate payment details, you can avoid interruptions and keep your transactions running smoothly on ZendBusiness.