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Interchecks - Instant Withdraw

Interchecks is a growing 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 to their services.

The paysafe payments API supports interchecks as a payment instrument for cards transactions using VISA direct as the core service.

Setup Requirements

  • Merchants can send an email to their Sales representative and/or Delivery team to get a test account
  • Legacy or Current Customer Vault

Typical Scenarios

  • Interchecks via direct Server to Server
  • Interchecks via PaysafeJS
  • Interchecks via Checkoutv2

API Contracts

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

Testing Instructions and Go-Live

  1. Card numbers must be entered correctly to operate efficiently.
    • MC VISA & US DEBIT BIN: 514377 411774 is the US DEBIT BIN.
  2. Since Interchecks is a ServerToServer Standalone credit request, webhooks are not required.
  3. 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 

Testing Details

Interchecks error code

Interchecks error message Paysafe HTTP status code Paysafe error code Paysafe error message Paysafe error details

Remarks

403 FORBIDDEN 403 FORBIDDEN 500 1000 Internal Server Error An internal error occurred.  
ERR_ACCOUNT_PROVIDER_MISMATCH Account invalid for provider 500 1000 Internal Server Error An internal error occurred.  
ERR_ACCOUNT_PROVIDER_NOT_ENABLED Payer not enabled for Account Provider 500 1000 Internal Server Error An internal error occurred.  
ERR_CARD_INELIGIBLE Card ineligible 502 1001 External gateway error An external gateway error occurred. A response from Visa designating that the card BIN is ineligible for OCT transactions.
ERR_CREDIT_CARD_NOT_SUPPORTED Credit cards not supported 502 1001 External gateway error An external gateway error occurred. This is based on BIN data from Visa indicating the card BIN is a credit card and not eligible for OCT (instant withdraw) transactions.
ERR_EMAIL_IN_USE Recipient email is assigned to another profile 502 1001 External gateway error An external gateway error occurred.   
ERR_INTERNAL_SERVER_ERROR Internal server error 502 1001 External gateway error An external gateway error occurred.   
ERR_INVALID_ACCOUNT_ID Invalid account ID 500 1000 Internal Server Error An internal error occurred.  
ERR_INVALID_CARD_DETAILS Invalid card details 400 5068 Field error(s) Missing a mandatory field or the value of a field does not match the format expected.  
ERR_INVALID_EMAIL Invalid email 400 5068 Field error(s) Missing a mandatory field or the value of a field does not match the format expected.  
ERR_INVALID_PAYER_ID Invalid payer ID 400 5068 Field error(s) Missing a mandatory field or the value of a field does not match the format expected.  
ERR_INVALID_RECIPIENT_EMAIL Invalid recipient email 400 5068 Field error(s) Missing a mandatory field or the value of a field does not match the format expected.  
ERR_INVALID_RECIPIENT_ID Invalid recipient ID 500 1000 Internal Server Error An internal error occurred.  
ERR_INVALID_RECIPIENT_ID Invalid recipient ID 400 5068 Field error(s) Missing a mandatory field or the value of a field does not match the format expected.  
ERR_MISSING_RECIPIENT Missing recipient ID or email 400 5068 Field error(s) Missing a mandatory field or the value of a field does not match the format expected.  
NOT_AUTHORIZED 401 UNAUTHORIZED 500 1000 Internal Server Error An internal error occurred.  
ERR_RETRIEVING_CARD_DETAILS Error determining card eligibility 502 1001 External gateway error An external gateway error occurred.  
ERR_INVALID_DATE_FORMAT Invalid Date 400 5068 Field error(s) Missing a mandatory field or the value of a field does not match the format expected.  
ERR_INVALID_EXP_DATE Invalid Exp Date 400 5068 Field error(s) Missing a mandatory field or the value of a field does not match the format expected.  
ERR_INVALID_CURRENCY_CODE Invalid Currency Code 400 5068 Field error(s) Missing a mandatory field or the value of a field does not match the format expected.  
ERR_INVALID_NAME Invalid or missing name fields 400 5068 Field error(s) Missing a mandatory field or the value of a field does not match the format expected.  
ERR_TRANSACTION_FAILURE message pertaining to failure 502 1001 External gateway error An external gateway error occurred.  
ERR_RECIPIENT_NOT_FOUND Recipient email not found 404 5269 Entity not found The ID(s) specified in the URL do not correspond to the values in the system  
ERR_INVALID_TRANSACTION           These are error codes designated by the recipient's issuer on specific transactions. Potentially these can be due to the bank not allowing gaming OCT transactions, or the recipient's bank account or card isn't eligible for OCT (instant withdraw) from the issuers side and not the networks. The recipient will need to reach out to their issuer for the exact reason why they failed the transaction with these error codes.
ERR_DO_NOT_HONOR           These are error codes designated by the recipient's issuer on specific transactions. Potentially these can be due to the bank not allowing gaming OCT transactions, or the recipient's bank account or card isn't eligible for OCT (instant withdraw) from the issuers side and not the networks. The recipient will need to reach out to their issuer for the exact reason why they failed the transaction with these error codes.

Instant Payouts Simulator Cases

Amount

Error
$9.01 503 Service unavailable
$9.02 200 Response with Decline error due to "Invalid Transaction". The format of a declined error message is: "{response code} - {error description}".
$9.03 200 Response with Generic Error
$9.04 422 Response with Payer NSF error
$9.05 422 Response with Card Velocity error
$9.06 200 Response with UNKNOWN Transaction Status due to VISA timeout.
$9.07 200 Response with UNKNOWN Transaction Status due to VISA "in process" workflow.

Changelog

Published Date Description
Aug 2022 Paysafe Payments API now includes Interchecks API as a new payment method.