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Instant Withdrawal - Interchecks

To do a payout/withdrawal using Interchecks, the consumer's card has to be saved on checkout: 

  1. Create a consumer and save the cards (Saved Cards Integration). 
  2. After the card is saved to the consumer, you can call the withdrawal endpoint for all transactions. 
  3. Use the permanent paymentHandleToken and Interchecks specific account ID to complete the withdrawal.
    • POST: paymenthub/v1/standalonecredits
  4. After completing the transaction, you will receive gateway.id parameter that can be used for reconciliation purposes.

Paysafe recommends that you use a webhook or GET API call so that you know the latest status. 

Withdrawals - Apple Pay

Apple Pay is a pass-through wallet, that facilitates contactless payments by securely transmitting consumer's credit or debit card information to merchants. It acts as an intermediary, encrypting and tokenizing sensitive data to protect consumer's financial details. Integration with the Apple Pay SDK enables a seamless payment experience within apps or on websites. Only VISA debit cards are allowed for withdrawals using Apple Pay saved cards feature. 

Implementation

To do a payout/withdrawal using Interchecks, the card has to be saved on checkout:

  1. Use the Apple Pay SDK to do a payment (Integrate with Apple Pay). 
  2. Create a consumer and save the cards (Saved cards integration). 
  3. After the card is saved to the consumer, call the withdrawal endpoint for all transactions:
    • Use the permanent paymentHandleToken and Interchecks specific account ID to complete the withdrawal. 
    • POST: paymenthub/v1/standalonecredits
  4. After completing the transaction, you will receive gateway.id parameter that can be used for reconciliation purposes. 

Appendix

Testing Overview

  1. Use the following BIN number.
    • MasterCard, VISA, and US DEBIT BIN: 514377 411774.
  2. Sample Cards
VISA MasterCard
4117743221353359
4117744492503326
4117749879655490
4117749445933454
4117745498114513
4117749225034648
4117747516230610
4117749451647261
4117747282051521
4117747063157471

 

 5143775365194442
5143773383937124
5143778046774970
5143778795941416
5143779352388967
5143771643717237
5143779341119127
5143773317766706
5143779504024551
5143773958176835

Error Codes

To view the error codes, use the following links: 

Simulation 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
}
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