Introduction

Remote Deposit Capture (RDC) is a form of payment in which users can deposit a check by taking a picture of it. RDC is more convenient than depositing a check at an ATM or at a bank branch because it allows users to make the check depositfrom the comfort of their home. However, it exposes the platform to standard RDC fraud and return risks.

Transaction (Node) Type: RDC

Steps to Deposit a check via RDC

1. Make sure your controls (what you are allowed to do in our system) allow for RDC transactions.
2. Have an account owned by a user with SEND-AND-RECEIVE permissions and who is not a match in one of our sanctions lists click here for our guide on how to check for this.
3. Have the user take a picture of the front & back of the check and submit to us via Create RDC Transaction API call. Please look at Remote Deposit Capture.
4. Our machine learning stack will analyze and validate if the check is valid, if in doubt, our system will escalate the captures to our compliance team who will manually validate or invalidate the RDC. While we make these validations the transaction will have a QUEUED-BY-SYNAPSE status.
5. If the check capture passes our inspections we will process the transaction, at which point the transaction status will pass to PROCESSING-DEBIT.

Cutoff and Settlement Time

Sub-Resources

• Create RDC Transaction
• Mitigating Risk for RDC
• Check or RDC Return Codes

RDC (Remote Deposit Capture)

• Introduction
• Duplicate Presentment
• Other Financial Risk Sources
• Mitigating Other Financial Risks