This section of the documentation isn't necessarily API specific but instead covers general systemwide functionality and issues. The sections below detail various parts of the system in an attempt to clarify various parts of the Checkissuing platform's functionality so that you as the end user may understand it better.

2 Factor Authentication

In order to make your account more secure, Checkissuing recommends you enable 2 factor authentication. This can be enabled by clicking the user menu in the top right hand corner of the panel and clicking 'My Account'. In the dialog that pops up, enter your mobile number in the phone number input and check the box that says 'Enable 2 Factor Auth' and then click the save button. Once enabled you will be required to enter the code that is texted to the number on file every time you login.

Repair Queue

From time to time you might receive a notification that a payment requires repairs or see a payment in the list marked as 'Needs Repaired'. The Checkissuing platform will place payments with invalid addresses or information that otherwise requires updating before it can be used to render a payment into the repair queue. When a payment requires repairs, you can use the edit payment functionality to see the error with the payment in question, edit the information required to fix it and save it. Once saved, the payment will leave the repair queue and continue to process like normal.

Posted / Cashed Checks Upload

One of the commonly received questions we get from new clients is if our system can report which payments have been cleared/cashed. While we are working on functionality in order to do this automatically, it's coverage is limited to certain banks. In order to provide this functionality to clients who's banks might not support it, we have provided an easy to use way to upload a file (either from your bank, or generated during your reconciliations) which can update the payments in our system to a status of Posted/Cashed.

This functionality can be found on the payments page and accessed by using the button on the right side of the 'Create Payment' button that has the three horizontal lines. When you click it, it will show a dropdown menu that has a link in it that says 'Upload Cashed Checks File'. When you click this, a popup will appear that allows you to specify the format of your file and upload it.

The default format is a comma seperated file with no headers. Each payment is on it's own line and contains the following information: Account ID,Check Number,Check Amount,Date Cashed. This format can be customized by clicking the 'Customize Format' link toward the bottom of the document. Once you click the link you are able to add/remove fields, as well as re-order them, set the delimiter the file uses and specify if the file contains headers or not.

While the formats allowed are flexible, each line must contain atleast one of the following combinations:

• Payment ID
• Account ID or Account Number and Check Number
• Payee Name and Amount

Additional information per line is helpful, but the system must contain atleast one of the above combinations in order to successfully match payments.

Once the format is set, simply upload your file by clicking the upload area or dropping the file onto it and clicking the 'Upload' button and any matching payments will be updated in the system and marked as 'Posted/Cashed'.

Automatic Updating of Posted/Cashed Checks

If your bank account was instantly verified by plaid and your bank supports transaction data through plaid the Checkissuing platform is able to pull the transaction data from plaid in order to automatically update checks sent through it to posted/cashed. When your bank is supported and your account is setup for automatic updating, no further action is required on your part, the platform will pull transaction data nightly and update payments it finds automatically.

SFTP Accounts / Integration

The Checkissuing platform supports automatically uploading positive pay files to your bank via SFTP. In order to setup autotomatic uplaods to your bank you must go to 'Reports » Positive Pay'. The first step is to configure the format your bank uses and this can be done by clicking the Download button (top right of the payment list, the purple button with the downward facing arrow), select the format or 'New Custom CSV...' from the dropdown. If you are creating a new custom format follow the instructions in the modal to create and save your format.

Once you have the format defined for your bank, close out of the dialog and click the upload button (blue button with the upward facing arrow). Click the Add link/button and then you'll need to fill in the details. Fill in a name for this bank/uploader, specify the bank account you want it attached to, and enter the SFTP details provided by your bank. When done, click the Save button.

Automatic SFTP uploads for positive pay are now setup. At the end of the day any printed checks that have been mailed from the associated account will cause a positive pay file to generate and upload. Digital checks will cause a file to get generated and uploaded as they are sent.

Payment File Uploads

Creating and uploading payment files within the Checkissuing Platform is now easier than ever. In order to add payments in bulk you must first create a CSV file containing the data for the payments you wish to add. In this file, you will have payments one per line with each column being a specific payment field. The first line in this file should be headers, specifying what field each column is. As long as these headers match our field names, the platform will be able to automatically figure out what data is in which column and all you'll have to do is upload the file. If there is an issue with the headers that cause the platform to be unable to automatically determine what column is what field, you will be prompted to map the file format. You can download a sample file here.

All fields have a maximum length of 255 characters unless stated otherwise. A list of the fields you can pass in a file, along w/ their associated header and a brief explanation of what they are can be found below.

Available Fields