# site.interchecks.com > AI-optimized mirror of site.interchecks.com containing 107 pages totalling 17,788 words of clean markdown content, structured data, and semantic HTML. Original source: https://site.interchecks.com. Last updated: 2026-07-18T07:17:46.818Z. Each page is available as HTML (with JSON-LD structured data) and Markdown (text-only, ideal for LLMs and RAG). ## Homepage - [Interchecks RESTful API v1](/content/docs-v1-interchecks-com/index.html): The Interchecks RESTful API enables payers to manage recipients, recipient payment accounts, and generate payments. # Latest News #### 01-07-2021 #### ##### API V2 Documentation API V2 documentation has been published to https://docs.interchecks.io. #### 09-09-2021 #### ##### Production URL Updates New implementations will not use the interchecks.com domain for API interaction. Please contact tech@interchecks.com to discuss the new production URL. #### 05-26-2020 ##### URL Housekeeping We have updated our sandbox URL to https://test.interchecks.com. The previous URL of https://sandbox.icapps.io will still work in the meantime, however Widget URLs will be test.interchecks.com. Customers with a White Labeled domain will receive a custom sandbox URL. #### 10-09-2018 ##### Widget UI for `CARD` collection Don't want to handle card data, but want to process `CARD` transactions? For PCI Compliance, we can handle the card data collection using a secure form. See the **Create Account with UI URL** call detail. The saved account information (`account_id` and `account_type`) can be posted back to the callback URL or can be retrieved via API call. ##### Payment Transactions We've introduced a new process for sending payments if a UI/Widget is not required and you would like to fully handle the user interface. The `transactions` endpoint will accept direct transactions with type of `CREDIT`. The caveat is an account must be created for each method to be passed via `account_id` in the request. The Workflows area has been updated to note this option. #### 08-29-2019 ##### DEBIT updated to CARD In order to enable a single CARD account to be used for both money-in and money-out, we have moved to a single account type of `CARD` - We will no longer store payment accounts of the type `DEBIT`. If you send in a type of `DEBIT` for a `Create Account` call, it will be stored as `CARD`. # Environments #### Development/Sandbox: https://test.interchecks.com #### Production: Contact tech@interchecks.com for the production URL # Authentication Every request must contain the Basic Authentication header using the **Account ID** and **Secret Key** values, base64 encoded as the Authorization header and prefixed with “Basic “. Example: Account ID abc and Secret Key xyz would be joined with a colon (abc:xyz) and base64 encoded. The resulting Authorization header value would be: `Basic YWJjOnh5eg==` Every request must also contain your **Payer ID** in the URL path. Contact support@interchecks.com to receive your set of API Credentials to begin testing. # Response Codes Response Code | Detail :---: | --- 200 | Successful request. The server received the request and processed it. 400 | Bad request caused from data structure or invalid parameters. 401 | The account used to invoke the request is not found. 403 | The account used to invoke the request does not have the appropriate API access. 404 | Invalid path to the API or API is being deployed. 405 | Method not allowed error - could be caused by a POST to an invalid URL. 409 | Duplicate request based on request_reference_id 500 | The application encountered an error while processing the request. # Error Structure Each object returned in the response can indicate there is an error with the corresponding request object. The error contain the following fields as an example: ```{ "error": true, "error_message": "Invalid recipient data", "error_code": "R02", "errors": [ "Invalid first name", "Invalid last name" ] }``` ## Error Codes Error codes are provided in the case you would like to translate the codes into your own error messaging. Error Code | Message --- | --- GE01 | An unknown error occured. Support has been notified P01 | Invalid Payer ID passed in the URL PR01 | Duplicate payment request based on Request Reference ID TR01 | Duplicate transaction request based on Request Reference ID R01 | Invalid recipient ID passed in the URL R02 | Invalid recipient data R03 | Error orccured while processing recipient data R04 | Recipient email already exists. Existing ID is reflected in the response R05 | Recipient not found R06 | TIN Verification error R07 | Recipient email exists with a different verified TIN. Correct the TIN or remove it from the request. PE01 | Payment amount must be greater than zero PE02 | Error occurred while processing payments request PE03 | Request contains no valid payments, check the payment_failures response for detail PE04 | Error processing payment PE05 | Recipient not found for payment PE06 | Payment amount greater than allowed maximum amount PE07 | Payment amount requires approval PE08 | Payer not setup for account type, contact your account manager PB01 | Invalid Request ID passed in the URL PB02 | Invalid Request Reference ID passed in the URL PB03 | Payments within this request have been paid S01 | Invalid or missing search parameters PO00 | Invalid amount PO01 | Payout error, see error message for detail PO02 | Payout error, see error message for detail PO03 | Payout method not available PO04 | Payout not found PO05 | Payout in immutable status RA00 | Invalid account ID RA01 | Missing account details RA02 | Invalid Routing Number RA03 | Invalid account details RA04 | Invalid account type RA05 | Account type does not match method RA06 | Account requires verification or not eligible for TransactionType RA07 | Error adding card RA08 | Error validating card RA09 | Invalid expiration date RA10 | Account not created RA11 | Account creation is processing, callback process will include final status RA12 | Invalid or missing Address PA00 | Payment method is not valid for Payer PA01 | Invalid account type PA02 | Invalid routing number PA03 | Invalid account number PA04 | Invalid account email PA05 | Invalid address - State or Province PA06 | Invalid account ID PA07 | Invalid address - Country Code PA08 | Invalid Security Code/CVV PA09 | Invalid zip code for account PA10 | Account not eligible PA11 | Account not eligible for requested action # Workflows If you have any questions on the best workflow for your use-case please email tech@interchecks.com. ## Payouts ### Payment with Widget/UI The **Create Payment API** call with the optional UI URL request parameter will create/find a recipient, create a payment, and generate a URL that can be framed-in or shown in any manner to the recipient. The recipient can select from the available payout methods and accept payment. ### Payment with Payout The **Create Payment API** call supports 3 operations in a nested structure: Create Recipient, Payment, and Payout Transaction or request a URL for the Recipient to accept payment. We'll maintain this legacy process for those who want a one-call-does-it-all integration. Payout Methods for `INSTANT_DEPOSIT` and any type of `PREPAID` require an `account_id` to be used. Review the **Create with INSTANT DEPOSIT payout** detail. Standard process for Payments with Payout + Create Account (if applicable - only required for `INSTANT_DEPOSIT` payout methods) + Create Payment w/ Payout Transaction structure Procedural process + Create Recipient + Create Account (if applicable - only required for `INSTANT_DEPOSIT` payout methods) + Create Payment w/ Payout Transaction structure ** The Direct Payments process below is better suited for procedural processing. ### Payment Transaction The **Transactions** API call now handles direct transactions (CREDIT). This process does not create a payment on the Interchecks platform, but performs a direct transaction for the recipient to the `account_id` specified. The request/response structure is greatly simplified from the **Payments** process. Transactions appear under the **Payments Completed** section of the Payer Portal. There are 3 required steps. + Create Recipient + Create Account - For PCI Compliance, we can handle the card data collection using a secure form. See the **Create Account with UI URL** call detail. + Create Transaction with `CREDIT` transaction type. # Test Debit/Credit Cards Any future expiration date will work. Card Number | Type | Pull (Money-In) | Push (Money-Out) --- | --- | --- | --- 9400100999999993 | DEBIT | N | N 9400101999999991 | DEBIT | N | Y 9400102999999999 | DEBIT | N | Y 9400103999999997 | DEBIT | N | Y 9400110999999992 | DEBIT | Y | N 9400111999999990 | DEBIT | Y | Y 9400112999999998 | DEBIT | Y | Y 9400113999999996 | DEBIT | Y | Y 9400120999999991 | DEBIT | Y | N 9400121999999999 | DEBIT | Y | Y 9400122999999997 | DEBIT | Y | Y 9400123999999995 | DEBIT | Y | Y 9400200999999991 | CREDIT | N | N 9400201999999999 | CREDIT | N | Y 9400202999999997 | CREDIT | N | Y 9400203999999995 | CREDIT | N | Y 9400210999999990 | CREDIT | Y | N 9400211999999998 | CREDIT | Y | Y 9400212999999996 | CREDIT | Y | Y 9400213999999994 | CREDIT | Y | Y 9400220999999999 | CREDIT | Y | N 9400221999999997 | CREDIT | Y | Y 9400222999999995 | CREDIT | Y | Y 9400223999999993 | CREDIT | Y | Y (125 words) - [Interchecks](/content/home-interchecks-com/index.html): Interchecks is a leading instant payment platform that delivers a broad range of deposit and withdrawal services to a large and diversified client base that includes sportsbooks, lenders, Fintechs and financial institutions. (231 words) ## Articles & Blog Posts - [docs-v2-interchecks-com/docs/create-payment/index.html](/content/docs-v2-interchecks-com/docs/create-payment/index.html) (56 words) - [docs-v2-interchecks-com/reference/card-accounts/index.html](/content/docs-v2-interchecks-com/reference/card-accounts/index.html) (846 words) - [Create Bank Widget](/content/docs-v2-interchecks-com/reference/create-bank-widget/index.html) (249 words) - [About Widgets](/content/docs-v2-interchecks-com/reference/about-widgets/index.html): Widgets are user interfaces to embed in an iFrame or modal window. We offer widgets for banks account linking with Plaid, debit card capture, payment acceptance, and prepaid account dashboards. The response contains a short-lived URL with a defined expiration date. (288 words) - [docs-v2-interchecks-com/reference/prepaid-accounts/index.html](/content/docs-v2-interchecks-com/reference/prepaid-accounts/index.html) (194 words) - [Create Card Widget](/content/docs-v2-interchecks-com/reference/create-card-widget/index.html): Create a Widget URL to add a Debit Card. View the About Widgets page to learn about optional widget_params . 201 - Created 400 - Bad Request, missing or invalid parameters (70 words) - [Create Payment Widget](/content/docs-v2-interchecks-com/reference/create-payment-widget/index.html): Create a Widget URL for a Recipient to accept Payment. View the About Widgets page to learn about optional widget_params . 201 - Created 400 - Bad Request, missing or invalid parameters 422 - Payment not in a PENDING status (73 words) - [Create Prepaid Dashboard Widget](/content/docs-v2-interchecks-com/reference/create-prepaid-dashboard-widget/index.html): Create a Widget URL for a Recipient view and manage their Prepaid Card account. View the About Widgets page to learn about optional widget_params . 201 - Created 400 - Bad Request, missing or invalid parameters (58 words) - [Update Account Status](/content/docs-v2-interchecks-com/reference/update-account-status/index.html): Update Account Status. Used to move Bank accounts into different statuses to simulate Plaid pending expiration, Plaid permission revoked, Bank account blocked due to ACH return scenarios, Bank account removed for lack of transaction. Response Codes 200 - Request Succeeded 400 - Bad Request, missing … (107 words) - [docs-v2-interchecks-com/reference/bank-account/index.html](/content/docs-v2-interchecks-com/reference/bank-account/index.html) (136 words) - [Update Transaction Status](/content/docs-v2-interchecks-com/reference/update-transaction-status/index.html): Update Transaction Status. 200 - Request Succeeded 400 - Bad Request, missing or invalid parameters 422 - Transaction not undateable (68 words) - [docs-v2-interchecks-com/reference/paypal-accounts/index.html](/content/docs-v2-interchecks-com/reference/paypal-accounts/index.html) (37 words) - [Update Payment Status](/content/docs-v2-interchecks-com/reference/update-payment-status/index.html): Update Payment Status. Payment can only be updated if in a non terminal status: PAID, PENDING_KYC, APPROVAL_REQUIRED, PENDING 200 - Request Succeeded 400 - Bad Request, missing or invalid parameters 422 - Transaction not updateable (55 words) - [Create Account with Plaid Link](/content/docs-v2-interchecks-com/reference/create-account-plaid/index.html): Create a Plaid-linked account bypassing the Plaid Link UI. First create a Bank Widget and supply the widget_id in the request body. Response Codes 200 - Request Succeeded 400 - Bad Request, missing or invalid parameters 404 - Invalid widget ID (85 words) - [About Transactions](/content/docs-v2-interchecks-com/reference/about-transactions/index.html): Transactions are funds transfers processed immediately, without Recipient interaction. (926 words) - [Post Payload Encryption Test End to End](/content/docs-v2-interchecks-com/reference/post-payload-encryption-test-end-to-end/index.html): Fully test payload encryption by sending an encrypted request and receiving an encrypted response with no business logic (77 words) - [About Test Harness](/content/docs-v2-interchecks-com/reference/about-test-harness/index.html): API Calls for testing status workflows (57 words) - [Get Encryption Public Key](/content/docs-v2-interchecks-com/reference/get-encryption-public-key/index.html) (42 words) - [Create Transaction](/content/docs-v2-interchecks-com/reference/create-transaction/index.html): Create Transaction for immediate disbursement. (538 words) - [About Encrypted Payloads](/content/docs-v2-interchecks-com/reference/about-encrypted-payloads/index.html): Encrypted payload requests and responses offer an additional layer of security for sensitive data being transmitted over the internet. Once your payer or aggregator has been configured for Encrypted Payloads, you can send and receive encrypted data using the existing API endpoints. Add an http heade… (116 words) - [Payload Encryption Test](/content/docs-v2-interchecks-com/reference/payload-encryption-test/index.html): Sandbox Only (25 words) - [Get Transaction](/content/docs-v2-interchecks-com/reference/get-transaction/index.html): Get Transaction by Transaction ID 200 - Request Succeeded 404 - Transaction ID not found (53 words) - [Get Bank Transactions Report](/content/docs-v2-interchecks-com/reference/get-bank-transactions-report/index.html) (61 words) - [Get Payer Bank Accounts](/content/docs-v2-interchecks-com/reference/get-payer-bank-accounts/index.html): Get Payer Bank Accounts for a Payer (34 words) - [Get User Activity Report](/content/docs-v2-interchecks-com/reference/get-user-activity-report/index.html): Get Payer user activity Report for a date range. The payer_id value passed in should reflect the requested Aggregator or Payer. There is a maximum date range of 31 days enforced.** Report returns a Content-Type of application/csv``200 - Request succeeded 400 - Bad Request, missing or invalid paramet… (119 words) - [About Payments](/content/docs-v2-interchecks-com/reference/about-payments/index.html): Payments created for a Recipient can be accepted in the Payments Portal or Widget UI. If the Recipient has a default payout method configured, the payment will be automatically transacted. PENDING payments will expire based on Payer configuration, the default being 30 days. (54 words) - [Get OCT Transactions Report](/content/docs-v2-interchecks-com/reference/get-payer-oct-transactions-report/index.html): Get Aggregator or Payer OCT Transactions Report for a date range. The payer_id value passed in should reflect the requested Aggregator or Payer. There is a maximum date range of 31 days enforced. ** Report returns a Content-Type of application/csv 200 - Request succeeded 400 - Bad Request, missing o… (81 words) - [Get OCT Settlement Report](/content/docs-v2-interchecks-com/reference/get-payer-oct-settlement-report/index.html): Get Aggregator or Payer OCT Settlement Report for a specific Settle Date. The payer_id value passed in should reflect the requested Aggregator or Payer. ** Report returns a Content-Type of application/csv 200 - Request succeeded 400 - Bad Request, missing or invalid parameters 404 - Report does not … (56 words) - [Get Payment by Reference ID](/content/docs-v2-interchecks-com/reference/get-payment-by-reference-id/index.html): Get Payment by Reference ID 200 - Request Succeeded 404 - Payment reference ID not found (65 words) - [Update Transaction](/content/docs-v2-interchecks-com/reference/update-transaction/index.html): ACH_FUNDING - Cancel an ACH Funding Transaction in PROCESSING or RETRY status. The applicable status value is CANCELLED INSTANT_FUNDING - Reverse an AFT Funding Transaction in PAID status. The applicable status value is REVERSED Response Codes 200 - Request Succeeded 400 - Bad Request, missing or in… (135 words) - [Get Transactions for Payment](/content/docs-v2-interchecks-com/reference/get-transactions-by-payment-id/index.html): Get Transactions by Payment ID. 200 - Request Succeeded 404 - Payment ID not found (66 words) - [Get Payment](/content/docs-v2-interchecks-com/reference/get-payment-by-id/index.html): Get Payment by ID 200 - Request Succeeded 404 - Payment ID not found (38 words) - [Update Payment](/content/docs-v2-interchecks-com/reference/update-payment/index.html): Update Payment Status for PENDING or APPROVAL_REQUIRED payments. The applicable status values are: CANCELLED - Cancels payment PENDING - Moves APPROVAL_REQUIRED payments to PENDING for recipients to accept. If the payment is in an immutable status, a 400 response will be returned. 200 - Request Succ… (58 words) - [Get Transactions by Payment Reference ID](/content/docs-v2-interchecks-com/reference/get-transactions-by-payment-reference-id/index.html): Get Transactions by Payment Reference ID. 200 - Request Succeeded 404 - Payment Reference ID not found (68 words) - [Get Transaction by Reference ID](/content/docs-v2-interchecks-com/reference/get-transaction-by-reference-id/index.html): Get Transaction by Transaction reference ID 200 - Request Succeeded 404 - Transaction reference ID not found (47 words) - [Create Payment](/content/docs-v2-interchecks-com/reference/create-payment/index.html): Create Payment for a Recipient to accept in the Recipient Portal or Widget UI. 102 - Idempotent matched request currently processing 201 - Created, will include a Location response header 400 - Bad Request, missing or invalid parameters 409 - Idempotent matched request already processed 422 - Cannot… (81 words) - [Get ACH Settlement Report](/content/docs-v2-interchecks-com/reference/get-ach-settlement-report/index.html) (44 words) - [Add Card Account](/content/docs-v2-interchecks-com/reference/add-card-account/index.html): Add a Card Account for a Recipient. (783 words) - [Verify Card Account](/content/docs-v2-interchecks-com/reference/verify-card-account/index.html): Card Account Verification for Account Name and/or Address on an existing active Card account (349 words) - [Create Prepaid Account](/content/docs-v2-interchecks-com/reference/create-prepaid-account/index.html): Creates a Prepaid account for a Recipient. 201 - Created, will include a Location response header 200 - Request Succeeded, but entity not created 400 - Bad Request, missing or invalid parameters 404 - Recipient ID not found 422 - Account exists or locked due identity verification failure (207 words) - [Post Payload Encryption Test Decryption](/content/docs-v2-interchecks-com/reference/post-payload-encryption-test-decryption/index.html): Return plaintext when sent an encrypted payload (78 words) - [Get Prepaid Account History](/content/docs-v2-interchecks-com/reference/get-prepaid-account-history/index.html): Get Prepaid Account History for Recipient. 200 - Request Succeeded 404 - Recipient ID or Account ID not found (110 words) - [Get Card Account Verification](/content/docs-v2-interchecks-com/reference/get-card-account-verify/index.html): Get Card Account Verification response (199 words) - [Add Bank Account](/content/docs-v2-interchecks-com/reference/add-bank-account-for-processor/index.html): Add a Plaid Linked Bank Account using a Plaid Processor Token. (162 words) - [Add Bank Account](/content/docs-v2-interchecks-com/reference/add-bank-account/index.html): Add a Bank Account for Recipient. 201 - Created, will include a Location response header 400 - Bad Request, missing or invalid parameters 404 - Recipient ID not found (113 words) - [Update Prepaid Account](/content/docs-v2-interchecks-com/reference/update-prepaid-account/index.html): Updates a Prepaid account based on action. 200 - Request Succeeded 400 - Bad Request, missing or invalid parameters 404 - Recipient ID or Account ID not found (62 words) - [Add Venmo Account](/content/docs-v2-interchecks-com/reference/add-venmo-account/index.html): Add a Venmo Account for Recipient. 201 - Created, will include a Location response header 400 - Bad Request, missing or invalid parameters 404 - Recipient ID not found (49 words) - [Delete Venmo Account](/content/docs-v2-interchecks-com/reference/delete-venmo-account/index.html): Delete Venmo Account for Recipient. 200 - Request Succeeded 404 - Recipient ID or Account ID not found (33 words) - [Get Venmo Account](/content/docs-v2-interchecks-com/reference/get-venmo-account/index.html): Get Venmo Account for Recipient. 200 - Request Succeeded 404 - Recipient ID or Account ID not found (39 words) - [Get Venmo Accounts](/content/docs-v2-interchecks-com/reference/get-venmo-accounts/index.html): Get Venmo Accounts for Recipient. 200 - Request Succeeded 404 - Recipient ID or Account ID not found (39 words) - [Delete Prepaid Account](/content/docs-v2-interchecks-com/reference/delete-prepaid-account/index.html): 200 - Request Succeeded 404 - Recipient ID or Account ID not found (46 words) - [Delete Card Account](/content/docs-v2-interchecks-com/reference/delete-card-account/index.html): Delete Card Account for Recipient. 200 - Request Succeeded 404 - Recipient ID or Account ID not found (32 words) - [Patch Recipient](/content/docs-v2-interchecks-com/reference/patch-recipient/index.html): Patch Recipient profile. Parameters included in the request will be applied to the Recipient. Omitted parameters will not be changed. 200 - Request succeeded 400 - Bad Request, missing or invalid parameters 404 - Recipient ID not found 409 - Recipient email already exists for another profile (131 words) - [Get Prepaid Account](/content/docs-v2-interchecks-com/reference/get-prepaid-account/index.html): Get Prepaid Account for Recipient. 200 - Request Succeeded 404 - Recipient ID or Account ID not found (48 words) - [Update Bank Account Status](/content/docs-v2-interchecks-com/reference/update-bank-account-status/index.html): Update Plaid linked account status (63 words) - [Get PayPal Accounts](/content/docs-v2-interchecks-com/reference/get-paypal-accounts/index.html): Get PayPal Accounts for Recipient. 200 - Request Succeeded 404 - Recipient ID or Account ID not found (34 words) - [Add PayPal Account](/content/docs-v2-interchecks-com/reference/add-paypal-account/index.html): Add a PayPal Account for Recipient. 201 - Created, will include a Location response header 400 - Bad Request, missing or invalid parameters 404 - Recipient ID not found (48 words) - [Get Card Account](/content/docs-v2-interchecks-com/reference/get-card-account/index.html): Get Card Account for Recipient. 200 - Request Succeeded 404 - Recipient ID or Account ID not found (36 words) - [Delete PayPal Account](/content/docs-v2-interchecks-com/reference/delete-paypal-account/index.html): Delete PayPal Account for Recipient. 200 - Request Succeeded 404 - Recipient ID or Account ID not found (44 words) - [Get PayPal Account](/content/docs-v2-interchecks-com/reference/get-paypal-account/index.html): Get PayPal Account for Recipient. 200 - Request Succeeded 404 - Recipient ID or Account ID not found (30 words) - [Get Card Account Verifications](/content/docs-v2-interchecks-com/reference/get-card-account-verifications/index.html): Get Account Verifications for Card account (35 words) - [Verify TIN](/content/docs-v2-interchecks-com/reference/verify-recipient-tin/index.html): TIN Verification will return the verification_status . To view the full details of the TIN Verification, invoke the GET method. 200 - Request Succeeded 400 - Bad Request, missing or invalid parameters 403 - Payer not enabled for Verification 404 - Recipient not found (57 words) - [Get Bank Account](/content/docs-v2-interchecks-com/reference/get-bank-account/index.html): Get Bank Account for Recipient. 200 - Request Succeeded 404 - Recipient ID or Account ID not found (64 words) - [Update Recipient](/content/docs-v2-interchecks-com/reference/update-recipient/index.html): Update Recipient profile. A full request object is required, as the Recipient record will be overwritten with the supplied parameters. 200 - Request succeeded 400 - Bad Request, missing or invalid parameters 404 - Recipient ID not found 409 - Recipient email already exists for another profile (136 words) - [Delete Bank Account](/content/docs-v2-interchecks-com/reference/delete-bank-account/index.html): Delete Bank Account for Recipient. 200 - Request Succeeded 404 - Recipient ID or Account ID not found (33 words) - [Get TIN Verification](/content/docs-v2-interchecks-com/reference/get-tin-verification/index.html): Get TIN Verification detail for Recipient. 200 - Request Succeeded 403 - Payer not enabled for Verification 404 - Recipient not found (30 words) - [Get Emails](/content/docs-v2-interchecks-com/reference/get-emails/index.html): Retrieves an array of email objects for the Recipient. 200 - Request Succeeded 404 - Recipient ID not found (85 words) - [Get Recipient by Email](/content/docs-v2-interchecks-com/reference/get-recipient-by-email/index.html): Retrieve Recipient by email. 200 - Request succeeded 404 - Email address not found (65 words) - [Get Bank Accounts](/content/docs-v2-interchecks-com/reference/get-bank-accounts/index.html): Get Bank Accounts for Recipient. 200 - Request Succeeded 404 - Recipient ID or Account ID not found (39 words) - [Create Recipient](/content/docs-v2-interchecks-com/reference/create-recipient/index.html): Create Individual or Company 201 - Created, will include a Location response header 400 - Bad Request, missing or invalid parameters 409 - Recipient already exists (94 words) - [Plaid Processing Partner](/content/docs-v2-interchecks-com/reference/plaid-processing-partner/index.html): Interchecks is a supported Plaid Processor Partner. (62 words) - [Get Access Token](/content/docs-v2-interchecks-com/reference/get-access-token/index.html): Generate an OAuth 2.0 access token in the form of a JWT. The access_token returned in the response is to be used when authenticating API calls as the Authentication Bearer value. (75 words) - [Get Card Accounts](/content/docs-v2-interchecks-com/reference/get-card-accounts/index.html): Get Card Accounts for Recipient. 200 - Request Succeeded 404 - Recipient ID or Account ID not found (39 words) - [Recipient Verification](/content/docs-v2-interchecks-com/reference/recipient-verification/index.html): Recipient Verification is for verifying the TIN and Name for the Recipient. Access to the verification methods are configured per Payer. Verification is required for Payers enrolled in our year-end 1099 processing. If the 1099 delivery method is Mail, an Address should be added for the Recipient. (61 words) - [Get Address](/content/docs-v2-interchecks-com/reference/get-address/index.html): Get address for Recipient. 200 - Request Succeeded 404 - Recipient ID not found (34 words) - [About Recipient Payment Accounts](/content/docs-v2-interchecks-com/reference/recipient-payment-accounts-1/index.html): Recipient Payment Accounts belong to Recipients and are the destination of funds when calling the Transaction endpoint. Bank accounts, Debit cards, PayPal, and Venmo accounts can be added for a Recipient. Prepaid Card accounts can be created for a Recipient. (23 words) - [Add Address](/content/docs-v2-interchecks-com/reference/add-address/index.html): Set address for Recipient. If Recipient already has an address, the POST method will overwrite. 200 - Request Succeeded 400 - Bad Request, missing or invalid parameters 404 - Recipient ID not found (69 words) - [Add Email](/content/docs-v2-interchecks-com/reference/add-email/index.html): Add an email as primary/non-primary for Recipient. Adding a primary email address will demote the current primary to a secondary address. Recipients can receive payments at any active email address on record, but will only receive notifications to their primary email address. 200 - Request Succeeded… (66 words) - [Get Recipient](/content/docs-v2-interchecks-com/reference/get-recipient-by-id/index.html): Retrieve Recipient by ID. 200 - Request succeeded 404 - Recipient ID not found (43 words) - [Get Recipient by Reference ID](/content/docs-v2-interchecks-com/reference/get-recipient-by-reference-id/index.html): Retrieve Recipient by Reference ID. 200 - Request succeeded 404 - Recipient Reference ID not found (37 words) - [About Recipients](/content/docs-v2-interchecks-com/reference/about-recipients/index.html): A Recipient can be an individual or company which is assigned to the payer_id in the URL. Recipients are identified by their primary email address or the recipient_id in the Create Recipient response. (91 words) - [ACH Funding Transactions](/content/docs-v2-interchecks-com/docs/funding-transactions/index.html): ACH Funding Overview ACH Funding Transactions initiate a Same-Day ACH debit from the user's bank account to the Payer's merchant account. Funds are debited/posted 3 times per business day. Transactions initiated after the last submission deadline debit/post the following business day. Funds are debi… (1,028 words) - [Encrypted Requests](/content/docs-v2-interchecks-com/docs/encrypted-requests/index.html): Encrypted payload requests and responses offer an additional layer of security for sensitive data being transmitted over the internet. A payer or aggregator can be configured to use envelope encryption to encrypt the data in the request and response of any API call. Interchecks will provide a payer … (630 words) - [AFT Funding Transactions](/content/docs-v2-interchecks-com/docs/aft-funding-transactions/index.html): AFT Funding Overview AFT Funding Transactions initiate an instant debit from the user's debit card account to the Payer's merchant account. Funds are generally available within 30 minutes. API Workflow Create Recipient (referred to as "user") Add Card Account Create Transaction with INSTANT_FUNDING (591 words) - [Card Processing Failure Codes](/content/docs-v2-interchecks-com/docs/instant-deposit-failure-codes/index.html): Instant Deposit (OCT) and Instant Funding (AFT) transaction declines will return a code in the error_message field as : { "http_status": 200, "error_code": "ERR_OCT_DECLINE", "error_message": "15:No such issuer" } { "http_status": 200, "error_code": "ERR_AFT_DECLINE", "error_me… (702 words) - [Test Data](/content/docs-v2-interchecks-com/docs/test-data/index.html): Sandbox testing guidelines (682 words) - [Post Payload Encryption Test Encryption](/content/docs-v2-interchecks-com/reference/post-payload-encryption-test-encryption/index.html): Returns encrypted response when sent plaintext JSON (70 words) - [About Reports](/content/docs-v2-interchecks-com/reference/about-reports/index.html): Download OCT Reports for an Aggregator or Payer. (44 words) - [ACH Return Codes](/content/docs-v2-interchecks-com/docs/ach-return-code/index.html): ACH Funding and Payout Transactions are processed by the Automated Clearing House and can be returned for a variety of reasons. Below are common Return Codes that could be encountered during ACH processing. (565 words) - [Workflows](/content/docs-v2-interchecks-com/docs/workflows/index.html): Payments API Implementation (267 words) - [Response Errors](/content/docs-v2-interchecks-com/docs/error-codes/index.html): API Error format and codes (199 words) - [About Authentication](/content/docs-v2-interchecks-com/reference/index.html) (89 words) - [Glossary](/content/docs-v2-interchecks-com/docs/glossary/index.html): Terms referenced throughout the documentation (142 words) - [HTTP Status Codes](/content/docs-v2-interchecks-com/docs/http-status-codes/index.html): API Status Codes (135 words) - [Documentation Updates](/content/docs-v2-interchecks-com/docs/documentation-updates/index.html): Changelog of documentation updates (194 words) - [Idempotent Requests](/content/docs-v2-interchecks-com/docs/idempotent-requests/index.html): Safely retry requests without fear of duplication (86 words) - [docs-v2-interchecks-com/docs/index.html](/content/docs-v2-interchecks-com/docs/index.html) (122 words) - [Environments](/content/docs-v2-interchecks-com/docs/environments/index.html): API Environments (29 words) - [Webhooks](/content/docs-v2-interchecks-com/docs/webhooks/index.html): Don't call us, we'll call you (836 words) - [API Error Codes](/content/docs-v2-interchecks-com/docs/api-error-codes/index.html): Error Code Description ERR_ACCOUNT_ALREADY_REGISTERED Account already registered ERR_ACCOUNT_AUTH_REQUIRED Account authorization required ERR_ACCOUNT_BALANCE_THRESHOLD Account balance insufficient ERR_ACCOUNT_BALANCE_UNAVAILABLE Account balance unavailable ERR_ACCOUNT_CLOSED Account frozen ERR_ACCOU… (675 words) - [Payouts | Interchecks](/content/home-interchecks-com/payouts/index.html): Interchecks is a leading instant payment platform that delivers a broad range of deposit and withdrawal services to a large and diversified client base that includes sportsbooks, lenders, Fintechs and financial institutions. (237 words) - [Funding | Interchecks](/content/home-interchecks-com/funding/index.html): Interchecks is a leading instant payment platform that delivers a broad range of deposit and withdrawal services to a large and diversified client base that includes sportsbooks, lenders, Fintechs and financial institutions. (257 words) - [Developers | Interchecks](/content/home-interchecks-com/developers/index.html): Interchecks is a leading instant payment platform that delivers a broad range of deposit and withdrawal services to a large and diversified client base that includes sportsbooks, lenders, Fintechs and financial institutions. (191 words) - [Introduction](/content/docs-v2-interchecks-com/docs/getting-started/index.html): Payments API (115 words) ## About Pages - [About | Interchecks](/content/home-interchecks-com/about/index.html): Interchecks is a leading instant payment platform that delivers a broad range of deposit and withdrawal services to a large and diversified client base that includes sportsbooks, lenders, Fintechs and financial institutions. (410 words) ## Resources - [Full Page Index](/index.html): Browse all cached pages with rich metadata - [About This Cache](/content/about.html): Methodology, technical details, and usage guidelines - [XML Sitemap](/sitemap.xml): Machine-readable sitemap for crawler discovery - [Robots.txt](/robots.txt): Crawler directives