Introduction to the API
1.1 OVERVIEW
1.2 SUPPLEMENTS
Our main processing API, the “Integration API Spec”, is the best place to start learning about our services and how to get up to speed on ACH in general. It also has a lot of information about our servers and geolocated datacenters.
You will also want to become familiar with the Fields list in the References section. That will have a flattened version of all the possible fields available.
The Active Reports API also may contain useful information for you on getting reporting related to your merchants.
1.3 MERCHANT FUNDAMENTALS
1.4 BOARDING FUNDAMENTALS
1.5 UNDERWRITING AND SETTLEMENTS
Once you’ve successfully boarded your merchants you may start processing. At the start of the next day, the underwriting team may or may not review your account. The underwriting systems will automate a lot of this and you should not see any delay in funding of your transactions. However, if a new account is flagged for review we can hold settlements by 3 days while the merchant is being risk-assessed. This is for our safely and our partners. To ensure that your merchants are able to be auto-boarded, we’ll need the pertinent business and primary contact information. Addresses, Names, Phone Numbers, true IRS Business names, without accurate information it will take longer for us to do our risk assessment.