Interchecks - Instant Withdraw
Interchecks is a payment service providing quick money transfers, solving the problem of delayed money settlements, leading it to become the popular choice among merchants who want to provide quick withdrawal services. The Paysafe Payments API supports Interchecks as a payment instrument for card transactions, using VISA direct as the core service.
Setup Requirements 
- You can email the sales representative or delivery team to get a test account.
- Legacy or current customer vault.
Typical Scenarios
- Interchecks via direct server-to-server
- Interchecks via Paysafe JS
- Interchecks via Checkout v2
Code Examples
Standalone Credit Call
Endpoint: /paymenthub/v1/standalonecredits
Standalone credit request with multi-use payment handle
{
"paymentHandleToken": "CkhCQct6njVNEJV",
"amount": 987,
"merchantRefNum": "08afbafc-f169-4ed8-a404-345greuif783",
"currencyCode": "USD",
"customerIp": "172.10.12.64",
"dupCheck": false,
"accountId" : "1020976470"
}
Standalone credit response with multi-use payment handle
{
"id": "11ed70b2-d9f3-462f-bf3f-e0ce489b7e43",
"paymentType": "CARD",
"paymentHandleToken": "CkhCQct6njVNEJV",
"merchantRefNum": "08afbafc-f169-4ed8-a404-345greuif783",
"currencyCode": "USD",
"dupCheck": false,
"txnTime": "2022-10-25T14:45:27Z",
"customerIp": "172.10.12.64",
"status": "COMPLETED",
"gatewayReconciliationId": "e3f178ce-faba-4744-9dd1-1bd4802d9e37",
"amount": 987,
"liveMode": false,
"simulator": "EXTERNAL",
"updatedTime": "2022-10-25T14:45:31Z",
"statusTime": "2022-10-25T14:45:31Z",
"gatewayResponse": {
"amount": 987,
"id": "ICTN-177883-22298-53131-TES",
"transactionTime": "2022-10-25T14:45:27.127Z",
"processor": "INTERCHECKS",
"status": "PAID"
},
"source": "SingleAPI",
"card": {
"holderName": "jackpot797",
"cardExpiry": {
"month": "12",
"year": "2026"
},
"lastDigits": "0233",
"cardBin": "451530",
"cardCategory": "PREPAID",
"cardType": "VI"
},
"profile": {
"firstName": "Team101342",
"lastName": "Test9-3",
"email": "atlanta.jackpot17@pay.com",
"dateOfBirth": {
"day": 15,
"month": 12,
"year": 1993
},
"phone": "404-444-8888",
"locale": "en_US"
}
}
Testing Overview
- Use the following BIN number.
- MC VISA and US DEBIT BIN: 514377 411774 is the US DEBIT BIN.
- Since Interchecks is a server-to-server standalone credit request, webhooks are not required.
- The delivery team will validate the solution process.
Applying for a Test Account
Sign up for an Interchecks sandbox (test account) here: https://test.interchecks.com/login
To view the error codes, use the following links:
Instant Payouts Simulator Cases
| Simulation Amount in minor Unit (901=9.01 USD) | HTTP Error Code | API Response |
|---|---|---|
| 901 | 503 | { "error": { "code": "1007", "message": "Gateway Error", "details": [ "Error communicating with downstream provider.", "Interchecks service is unavailable" ] }, "id": "64074eef-02c7-4f5d-b93d-90dd5cd206c8", "liveMode": false } |
| 902 | 402 | { "error": { "code": "3037", "message": "Your request has been declined because it is invalid.", "details": [ "ERR_OCT_DECLINE", "12:Invalid transaction" ] }, "id": "00321a88-8127-45ed-8b80-bd6bd61cbad5", "liveMode": false } |
| 903 | 502 | { "error": { "code": "1001", "message": "External Gateway Error.", "details": [ "ERR_TRANSACTION_FAILURE", "Error depositing funds" ] }, "id": "0593f4e8-c08a-431e-8ffd-8725cb0e6759", "liveMode": false } |
| 904 | 402 | { "error": { "code": "5021", "message": "Your transaction request has been declined.", "details": [ "ERR_INSUFFICIENT_FUNDS", "Insufficient funds" ] }, "id": "a5d03253-05ee-4f17-b284-69347638cfac", "liveMode": false } |
| 905 | 402 | { "error": { "code": "3027", "message": "The external processing gateway has reported a limit has been exceeded.", "details": [ "ERR_VELOCITY_LIMIT", "Transaction failed due to velocity controls" ] }, "id": "3c15bb2f-94df-408c-83ee-3a216d57df24", "liveMode": false } |
Changelog
| Published Date | Description |
|---|---|
| Aug 2022 | Paysafe Payments API now includes Interchecks API as a new payment method. |