Check parameters
To pay down loan proceeds, you can transfer funds by sending a physical check to the borrower or a biller (merchant or business). This is useful when you have to pay billers that don't accept payments via Mastercard RPPS.
You can add an optional Base64 encoded attachment to accompany the check, and it will be mailed as a PDF.
Check delivery
After a check is issued, it takes about 5 - 7 business days for receipt (CR uses USPS first class mail). If a check isn't cashed after 15 calendar days, it is canceled.
You can contact MPL Ops to stop payment on a check, and for any questions regarding check delivery or receipt.
Webhooks are reported when a check is processed, mailed, cashed or expired. For more information on webhooks, see View Webhook events available.
When you add a date field in a request, the format must be: yyyy-mm-dd, such as 1970-12-05.
Request parameters
JSON
{
{
"FundingInfoUpdate": {
"Rails": [
{
"CheckFields": {
"PhysicalAddressOfRecipient": {
"Line_1": "Anita Loan",
"Line_2": "Strawberry Fields Lane",
"City": "Paradise City",
"State": "NY",
"Zip": "11252",
"Country": "USA"
},
"Name": "Anita",
"Attachment": "{Encoded64 text here}",
"Description": "Loan from Cross River",
"Remittance_advice": "",
"IsPrintedandMailed": "0",
"CheckEmail": "anita@gmail.com"
},
"RailType":"CHECK",
"Priority":1,
"Amount":200.0
}
]
}
},Request parameters
|
Attribute |
Description |
|---|---|
|
array |
Rail selected, in this case |
|
Line_1 string |
Check delivery address, line 1 Required |
|
Line_2 string |
Check delivery address, line 2 Optional |
|
City string |
City of business for check delivery Required |
|
State string
|
State of business for check delivery. 2 letters. Required |
|
Zip string |
Zip code of business for check delivery Required |
|
Country string |
Recipient's country. Always US. 2-letter country code. Optional |
|
Name string |
Name of the borrower Optional |
|
Description string |
The name of the loan being paid. This is printed on the check and looks best if under 100 chars. Optional |
|
Attachment string |
Base64 encoded 1 page PDF. It must be encoded and inserted here as text. Optional |
|
Remittance_advice array |
Base64 encoded text. Up to 700 chars before encoding. Appears on the top third of the page. The check is located on the bottom third of the page. Optional |
|
boolean
|
Whether the check is being printed and mailed. True if check is being printed and mailed, otherwise, false. Required |
|
string |
Recipient's email Optional |
|
integer |
Rail priority Required |
|
integer |
Amount being funded Required |
Attachments
If your team utilizes our inserts with checks feature, please make sure you follow the requirements listed below (see Attachment attribute). Inserts must be in PDF format.
These are the requirements for creating your PDF:
-
TrueType fonts must be used.
-
8.5 x 11 margins are required. Any margins that are smaller or larger than this will not run properly through our programs.
-
PDF must be created by Adobe Version 1.4 or better.
-
PDF must be in portrait orientation. Inserts oriented in landscape may not print correctly.
-
All security on PDF must be removed. PDF can not have edit restriction locks and can not be password protected.
-
PDF must be able to display the full page on “actual size” print settings. If an insert is too large to print on the “actual size” setting, the insert will not print properly and the page may be cut off.
-
The insert must have all settings embedded/flattened. Fillable form PDF’s that are not embedded cannot be processed correctly and will be rendered blank.
-
The blue shaded area shown below should be kept clear. This area is where 2D barcodes are placed.
