Sending E-Checks using the API

E-Checks allow you to create digital copies of checks that can be sent electronically (for example, through e-mail) or printed by yourself. The feature needs to be enabled for your organization. To request it, please contact [e-mail]

The E-Check uses the same standard template as our postal cheques. The E-Checks created through our API will not be sent out. They will instead be created with a cancelled status and a cancellation reason of digital_only.

Our full API documentation to create an E-check can be viewed here.

To create an E-Check, you can send a POST request to /cheques, and the field digitalOnly must be specified in the request body with a watermarkstring that will overlay the preview PDF of the E-Check.

JSON

"digitalOnly": {"watermark": "Test"}

This link to the preview PDF is available in the urlfield of the chequeobject, similar to regular cheques in the API. This preview does not contain all the information needed to deposit a check. For example, the full account number is not visible.

A sample of the preview PDF of a digitalOnly check.

To get the deposit-ready check, you must call the GET endpoint /cheques/:id/with_deposit_ready_pdf with the id of the digital-only cheque you want to retrieve. This endpoint cannot be used to retrieve regular/postal cheques. This endpoint can only be called by users with admin permissions, which can be granted by the administrator of your account.

This returns the cheque object with an additional field depositReadyPDFURL, which is a link to the non-watermarked, deposit-ready version of the E-Check.

A sample of the deposit-ready PDF of a digitalOnly check.

NOTE: When a Test API key is used, the deposit-ready PDF will be the same as the preview PDF.