On-Demand Payments
In this section, we'll explain how to set up on-demand bank transfer authorization. This allows customers to grant permission for you to initiate variable ACH transfers to and from their bank account at a later date.
When on-demand authorization is enabled, customers will see a message during bank account setup requesting authorization for future variable payments.
Important: With this feature enabled, all payments will automatically capture authorization by default. This means future payments will be seamlessly transferred to or from your customer's authorized bank account on file.
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 link and authorize their bank accounts, allowing them to add funds to their balance account and cash out.
- 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 paynote@seamlesschex.com if you are unsure.
SANDBOX: All transactions created within sandbox must be < $99.99.
Step 2: Configure Requests
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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.
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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
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ACH Direct Debits: Once your customers bank account has been added, you can facilitate a direct debit.
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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:
- Add Bank Account using Plaid
- Set Primary Funding Source (Use when multiple bank accounts are added)
Feel free to reach out to paynote@seamlesschex.com with any questions.
Updated 4 months ago