Cashing

Cashing checks implies a digital and a physical process.

1. Payin creation – You create a Payin object, with information about the Check
2. Check mail in – You send the physical check to Treezor via mail (within 14 days)

The funds are credited to the wallet when the physical check is received and approved.

When a check is physically processed, payin.update webhooks are sent informing you of the changes.

Information – Checks must:

• Be sent via mail, as no physical agencies are available
• Be received within 14 calendar days of the Payin creation (otherwise, the Payin status is set to 151134)
• Bear the following information: Name, Account Number, Date, Signature

Creation

Mandatory parameters

Attribute	Type	Description
paymentMethodId	integer	Must be 26 for checks.
amount	float	The amount of the check.
walletId	string	The unique identifier of the Wallet to credit (recipient).
currency	string	The currency of the check.
additionalData	object	Contains the cmc7 line, the drawer data and the RLMC key of the check.

Request example

Use the following request to create a Payin object for your check:

CURL

curl -X POST {baseUrl}/payins \
	--header 'Authorization: Bearer {accessToken}' \
	--header 'Content-Type: application/json' \
	-d '{payload}'

Here is an example of {payload}:

JSON

{
	"walletId": "123456",
	"paymentMethodId":26,
	"amount":991.25,
	"currency":"EUR",
	"additionalData":
	{
		"cheque":{
			"cmc7" : {									
				"a":"000036",						// required, 1st section of CMC7 line
				"b":"0230021566985",				// required, 2nd section of CMC7 line
				"c":"00700065456"					// required, 3rd section of CMC7 line
			},
			"RLMCKey":"22",							// required, RMLC key
			"drawerData":{							// required object
				"isNaturalPerson" : true,			// required, boolean, true: physical / false: legal entity
				"email":"aoak@example.com",			// drawer's email
				"firstName" : "Alex",				// drawer's firstname
				"lastName" : "Oak",					// drawer's lastname
				"address" : "22 Rosewood Lane",		// drawer's address
				"address2" : "App. 12",				// drawer's address continued
				"zipCode" : "75001",				// drawer's postcode
				"city" : "Paris"					// drawer's city
			}
		}
	}
}

Returns the Payin object if successful.

JSON

{
	"payins": [ 
		{ 
			"payinId": "cf7544f4-15ef-44df-9e6b-ac50ef5xxxx",
			"payinTag": null,
			"walletId": "123456",
			"userId": "852741",
			"payinStatus": "PENDING",
			"paymentMethodId": "26",
			"messageToUser": "",
			"subtotalItems": "100.00",
			"subtotalServices": "0.00",
			"subtotalTax": "0.00",
			"amount": "100.00",
			"currency": "EUR",
			"createdDate": "2018-01-01 17:00:00",
			"walletEventName": "Wallet Test",
			"walletAlias": "test-wallet-abcd",
			"userFirstname": "CMA",
			"userLastname": "",
			"codeStatus": "151124",
			"informationStatus": "",
			"refundAmount": null,
			"ibanFullname": "",
			"DbtrIBAN": "",
			"ibanBic": "",
			"ibanTxEndToEndId": "XXXXXXXXX",
			"ibanTxId": "180799999990292",
			"forwardUrl": null,
			"paymentAcceptedUrl": null,
			"paymentRefusedUrl": null,
			"paymentWaitingUrl": null,
			"paymentExceptionUrl": null,
			"paymentCanceledUrl": null,
			"payinDate": null,
			"mandateId": null,
			"creditorName": "ALEX OAK",
			"creditorAddressLine": null,
			"creditorCountry": null,
			"creditorIban": "FR761679999999999XX9011835",
			"creditorBIC": "TRZOFR21XXX",
			"virtualIbanId": null,
			"virtualIbanReference": null,
			"ibanId": "995d69d1839999999999a6935979ea8110d8"
		}
	]
}

Mail in

Once the Payin is created, the Check can mailed to the address indicated below. Checks must be received within 14 days after the Payin Creation.

CENTRE DE TRAITEMENT
TSA 80007
33625 BORDEAUX CEDEX 9

Life cycle

Checks cash-in may have different outcomes, whether they are accepted or not. If the check bounces within the 11-day delay, the Payin is canceled. Otherwise, a Payin refund is created.

Here is an illustration of the check life cyle:

Examples

Find below Check life cycle examples.

Accepted check

Step		Status	Code	Description
#1		PENDING	151124	Waiting for check mail-in
#2		PENDING	151132	Check has been received
#3		PENDING	151129	Check has been submitted to the bank
#4		PENDING	151130	Check is awaiting validation
#5		VALIDATED	140005	Payment validated

Error during handling

Step		Status	Code	Description
#1		PENDING	151124	Waiting for check mail-in
#2		PENDING	151132	Check has been received
#3		CANCELED	151125	Payin has been canceled due to an issue with the check