Create RDC transaction

Request Body

KeyTypeDescription
from.typestring[Required] Sending node type. Set as RDC
from.meta.check_frontstring[Required] Image (png/.jpg/.jpeg) of front of the check. Image must be a base64 string
from.meta.check_backstring[Required] Image (png/.jpg/.jpeg) of back of the check. Image must be a base64 string
to.typestring[Required] Receiving node type
to.idstring[Required] Receiving node ID
amount.amountfloat[Required] Amount to send
amount.currencystring[Required] Currency of the transaction amount
extra.ipstring[Required] IP address of the user device creating the transaction
extra.group_idstringGroup ID supplied to the transaction
extra.notestring[Max Length: 140] Memo tagged with the transaction
extra.process_onintegerWhen the transaction should be processed. The value is the delta value. Which means when 1 is supplied it means that the transaction will be processed tomorrow
extra.settlement_delayintegerUsed to dynamically delay transaction settlements. The value will be added to the current settlement time.
extra.supp_idstringID supplied to the transaction. Allows clients to track transactions based on specific events
extra.other.attachmentsarray of stringsList of padded base64 attachments
feesarray of objectsList of fee objects that designates where to debit fees for the transaction.

Receiving Nodes

Below are the nodes that will accept RDC transactions:

  • CLEARING-US
  • CUSTODY-US
  • DEPOSIT-US
  • IB-DEPOSIT-US
  • IC-DEPOSIT-US

Additional Information

  • Unlike our other payment products, you do not need to create an RDC node to deposit a check.
  • Checks should be photographed with a plain white background, horizontal (no skewed or crooked angles), and show all 4 corners of the check
  • Images of handwritten checks are also acceptable as long as they follow the same guidelines as printed checks
  • We recommend RDC images be a minimum of 850 x 470 pixels to prevent delays in processing
  • We will confirm that the transaction amount matches the amount printed on the check. We will also look at the check number, account/routing number, and user's name on the check image
  • Once the check is verified, the funds will get credited to the user's account
  • Credit for RDC transactions are issued and settled in 6-business days by default. This timeline can be reduced as needed. Please keep in mind, insufficient funds returns typically happen within the first 3-business days of the deposit
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