Common Flow (includes API references)

A high-level overview of our API Flow is below. For more details, check out our common flow on our API docs.

Please review your Flow of Funds + CIP for details on how to setup your specific payment flow.

Common Flow:

Initialization

(1) Create User -- Create a user in our system

(2) Oauth User -- Authorize access to that user

(3) Add Documents -- Supply a user's personal/business information. Required documents may vary based on your agreed upon CIP.

  • Virtual Document -- Typically a user's SSN or EIN number. If this fails, you may be prompted to upload additional info.
  • Physical Document -- Typically a user's photo ID or EIN Verification Letter
  • Social Document -- Typically a user's authenticated Facebook profile

(4) Add Node -- Add nodes to a user (nodes can be bank accounts, deposit accounts, sub-accounts, etc)

(5) Create Transaction -- Where the magic happens...

 

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Deprecated Flow (as of May 16, 2016):

Initialization

(1) Create User -- Create a user in our system

(2) Oauth User -- Authorize access to that user

(3) Add Documents -- 

(3) Add Virtual Document -- Supply KYC information (name, address, DOB, last 4 of SSN)

(4) Add Physical Document -- Upload supporting documents

  • For Businesses: EIN Verification Letter
  • For Individuals: Photo ID (only required if debiting an account)

(5) Add Node --

(6) Create Transaction -- Where the magic happens...

 

 

 

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