Digital lending
Payment rails

Check parameters

5min

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 .

IMPORTANT When you add a date field in a request, the format must be: yyyy-mm-dd, such as 1970-12-05.

Request parameters

JSON


Request parameters

Attribute

Description

Rails

array

Rail selected, in this case Check

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 (see below 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 

IsPrintedandMailed

boolean



Whether the check is being printed and mailed.

True if check is being printed and mailed, otherwise, false.

Required

CheckEmail

string

Recipient's email

Optional 

Priority

integer

Rail priority

Required 

Amount

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.
Document image




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