On-Demand Payments

Integration Guide: On Demand Payments

Save Bank Details for Future Direct Debits & Credits

This guide will walk you through adding a button for users to add and authorize their bank accounts.

• Implement CheckoutJS
• Customize Request Parameters
• Facilitate Direct Debits and Credits
• Manage User Information

Update User Information

Step 1: Integrate with Paynote CheckoutJS

• Integrate with Paynote CheckoutJS by following the instructions provided in the CheckoutJS guide. Choose between iframe or redirect methods, and insert the JavaScript on your website/app's checkout page.

Note: Ensure that the On-Demand Payments feature is enabled by Paynote - reach out to [email protected] if you are unsure.

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SANDBOX: All transactions created within sandbox must be < $99.99.

Step 2: Configure Requests

1. Capture Authorization Only: To save the user's bank details for future ACH direct transactions (without creating one) set SaveBankDetails to 'true' in the request. This simply authorizes the funding source for future transactions, creates a customer, and verifies the bank account.

2. Save Bank Details & Create a Payment: To save the user’s bank details and create a transaction, set SaveBankDetails to 'false' in the request.

Step 3: Facilitate ACH Direct Debits & Credits

1. ACH Direct Debits: Once your customers bank account has been added, you can facilitate a direct debit.

2. ACH Direct Credits: Once your customers bank account has been added, you can facilitate a direct credit.

Step 4: Update User Information

If you need to update your customer's contact info, use this guide.

Additional Routes:

1. Create Customer

• Update Customer

2. Initiate Funding Source Verification

• Verify via Micro Deposits

3. Add Bank Account and Get Verified

• Add Bank Account using Plaid

4. Set Primary Funding Source (Use when multiple bank accounts are added)

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Feel free to reach out to [email protected] with any questions.