Z9 | Risk assessment
This code indicates the transaction is undergoing risk assessment before the system decides whether it can proceed.
What This Code Means
Z9 is a processing status that signals a risk assessment step is being applied to the transaction or action. Risk assessment can include automated scoring, anomaly detection, policy checks, and contextual evaluation such as device and behavioral signals. The system uses this step to determine whether the request meets safety thresholds for authorization, posting, or settlement. This code is not a specific failure; it represents a risk-evaluation state that may resolve to approval, decline, hold, return, or reversal depending on outcome. It does not indicate the presence or absence of funds.
Where Users Usually See This Code
- In transaction detail screens showing risk review states
- In internal monitoring tools that track payment pipeline stages
- In audit logs or processor reporting for risk-scored transactions
Why This Code Appears
- Risk engine scoring is required for the transaction type or amount
- Unusual activity triggered enhanced risk assessment
- Policy rules require risk screening before settlement
- The system is waiting for risk decision signals from downstream services
What Typically Happens Next
- The transaction may remain pending briefly while risk assessment completes
- The status updates to a terminal outcome once a decision is recorded
- The system may route the item to manual review if risk scoring is inconclusive
What This Code Is Not
- It is not an issuer decline decision
- It is not a confirmation of fraud
- It is not a technical malfunction by itself
Troubleshooting Checklist
- □ Monitor the transaction status for progression to a final outcome
- □ Check whether other transactions are also delayed, indicating broader risk screening activity
- □ Avoid initiating duplicate transfers while the original remains in risk assessment
- □ If the state persists, contact official support to confirm whether additional verification is needed
Notes And Edge Cases
Risk assessment timing can vary depending on system load and whether multiple services contribute to the final risk decision. Some platforms evaluate risk continuously, meaning a transaction might move from risk assessment to hold or manual review without a visible intermediate reason. The code does not reveal the risk factors evaluated. In some cases, risk assessment may occur after initial acceptance of a request, resulting in delayed holds or reversals if risk thresholds are not met.