Affects
Teams that create, cancel, or reconcile pending Midaz transactions with overdraft enabled.
What changed
The overdraft guide now correctly states that a
PENDING transaction creates a hold; it does not draw overdraft. If the hold would exceed Available, Midaz rejects the transaction with 0018 - Insufficient Funds Error and leaves Available, OnHold, and OverdraftUsed unchanged.
Cancelling a pending transaction releases its hold. A pending transaction created by an earlier Midaz version can already carry overdraft, and Midaz still unwinds that legacy state during cancellation. This documentation update records an existing runtime change; it does not announce a separate runtime release.
Impact
Classification: Action required.
What you need to do
1
Update pending-transaction handling, reconciliation, and tests to expect a hold rather than overdraft use and to handle error
0018.