Features

API

Payments

As a client, I can make payments
- I can make ach subscription payments via JPM
- I can make ach subscription payments via usio
- I can make ach float credits via usio
- I can make ach float debits via usio
- I can make pinless subscription payments via usio
- I can make pinless float credits via usio
- I can make pinless float debits via usio
As a client, I can get all payments for a user
As a client, I can get a specific payment by paymentID

Prenotes

As a client, I can submit ach prenotes
- To JPM
- To usio subscription account
- To usio float debit account

Debit Cards

As a client, I can add a tokenized debit card for a user
As a client, I can get a debit card for a user
As a client, I can remove a users debit card
As a client, I can check if a user’s debit card can be changed
As a client, I can toggle a debit card to fail (Test env only)

Fraud

As a client, I can perform a fraud check
- Evaluate userID
- Evaluate installID
- Evaluate bank account hash
- Evaluate debit card hash
As a client, I can save fraud check results

Usio

As a client, I can get all usio transactions for a user

Refunds

As a client, I can submit refunds
- I can refund usio transactions
- I can refund jpm transactions
- I can submit arbitrary refunds that are not tied to an existing transaction or payment

Bank Accounts

As a client, I can check to see if a bank account already exists in the database, and get a list of userIds that already have that bank account saved
As a client, I can get the last 4 digits of a users current bank account

Payment Syncing

As a system, I can accept jpm webhooks and update payment records accordingly
As a system, I can return and clear both jpm and usio ach payments
As a system, I can periodically dump raw transactions from usio’s api into our database

Usio balance reporting

As a system, I can report the balances of our usio merchant accounts once a day to slack

Bank Account Encryption

As a client, I can submit a users plaid account information and have it:
- Encrypt, hash and store the account and routing numbers for the main account
- Submit jpm and usio prenotes to the account