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Introduction

Welcome to the PDCflow API Docs! Here you can find information and examples on the diverse selection of APIs used to integrate with PDCflow.

Integrator Support

If you can’t find the information you are looking for, need an example not provided here, or have a specific question you want answered, email our API support team at apisupport@pdcflow.com.

Attribute Tables

Attribute tables include all the critical information that you will use to integrate with our APIs. The example below shows you where to find each piece of information for an Attribute.

Attribute Description
Attribute Name
FormatMax Length
If Required/Conditional
This is where there will be a description of the Attribute and what it is used for.
Format: formatted-sample
Constraint(s): Explanation of constraint(s)
Valid value(s): value1, value2
Default: The Default Value

Code Samples

wget https://packages.microsoft.com/config/ubuntu/20.04/packages-microsoft-prod.deb -O packages-microsoft-prod.deb
sudo dpkg -i packages-microsoft-prod.deb
// Libraries needed. On an Ubuntu system, run the following commands:

sudo apt-get install php-curl
sudo apt-get install php-json

Debugging REST in PHP:
<?php curl_setopt($curl, CURLOPT_VERBOSE, true); ?>
# Libraries needed. On an Ubuntu system, run the following commands:

sudo apt-get install cpanminus
sudo cpan App::cpanminus (take defaults)
sudo cpanm LWP::Authen::Wsse
# Libraries needed. On an Ubuntu system, run the following commands:

sudo apt-get install ruby-dev
sudo apt-get install zlib1g-dev
sudo gem install savon
sudo gem install curl
sudo apt-get install libcurl4-gnutls-dev
sudo gem install curb

You can view sample code in the dark area to the right. We provide examples in PHP, Perl, & Ruby. For the code samples to work, each language will require the installation of specific libraries which are listed to the right.

Integrator Support

If you can’t find the information you are looking for, need an example not provided here, or have a specific question you want answered, email our API support team at apisupport@pdcflow.com.

Appendix

Here you can find information that is not part of our actual APIs, but will be useful while setting up your integration.

ECheck SEC Codes

To process an echeck, an SEC code is required. The table below will help you determine which codes are correct for your business needs.


Code Description
ARC Received check in the mail

Special Rules: Originator must scan check and capture the Routing, Account and Check number with the scanner. The original check must not be presented for payment if an ARC is or will be processed.

Eligible Checks Must Have: Pre-printed check number, no auxiliary on-us field, less than $25,000, have the account, routing and check serial number encoded on MICR line and completed and signed by the Receiver(check writer).

BOC Back office conversion

Special Rules: Originator must scan check and capture the Routing, Account and Check number with the scanner. The original check must not be presented for payment if an BOC is or will be processed.

Eligible Checks Must Have: Pre-printed check number, no auxiliary on-us field, less than $25,000, have the account, routing and check serial number encoded on MICR line and completed and signed by the Receiver(check writer).

CCD Business check

Special Rules: Business accounts only, Corporate Receiver right to return as unauthorized limited to 2 banking days, unless account is actually a Consumer (personal) account.

Retention: Originator must retain the authorization for 2 years. Must provide a copy of authorization or customer service resolution number within 10 days of request by Originating/Receiving Financial Institution. (NOTE: Processor may require retention or production of authorization outside the NACHA proscribed parameters).

POP Point-of-purchase entry

Special Rules: Originator must scan check and capture the Routing, Account and Check number with the scanner. The original check must not be presented for payment if an POP is or will be processed.

Eligible Checks Must Have: Pre-printed check number, no auxiliary on-us field, less than $25,000, have the account, routing and check serial number encoded on MICR line and completed and signed by the Receiver(check writer).

POS Point-of-sale entry
PPD Received check from consumer in person (signature required)

Credit Entries: Authorization may be provided orally or through other non-written means. (NOTE: Obtaining written, or electronic authorization can reduce errors when obtaining account, routing and dollar amount information).

Debit Entries: Authorization must be in writing and signed or similarly authenticated. Similarly authenticated standard permits signed, written authorization to be provided electronically. The authorization must evidence both the consumer’s identity and the assent to the authorization. Electronic Authorizations Must be able to be displayed on a computer screen or other visual display that enables the consumer to read the communication, Writing and signature requirements are satisfied by the compliance with the E-sign Act. Electronic signatures include but are not limited to digital signatures and security codes.

Notification: If the amount of the debit entry to a Consumer account differs from that of the original authorization, the Originator must send the receiver a written notification of the new amount, at least 10 calendar days prior to debit. If the Originator changes the date on or after the entries are scheduled to be debited from a Receiver’s account, the Originator must send the Receiver written notification of the new date no less than 7 calendar days before the date of the first entry affected by the change.

Retention: Originator must retain the authorization for 2 years. Must provide a copy of authorization within 10 days of request by Originating/Receiving Financial Institution. (NOTE: Processor may require retention or production of authorization outside the NACHA proscribed parameters).

RCK Re-presented check entry

Special Rules: Company Entry Description (check memo) Must contain the word “REDEPCHECK”, Eligible Checks Must Have: The item amount must match the original check, no NSF or Collection fees can be added to the amount. The original check must have been returned for Insufficient or Uncollected funds, the check number must have been pre-printed on the check, the amount must be under $2,500, the check must not be over 180 days old, only consumer checks are eligible, cannot have been presented more than 3 times (once physically, 2 electronically as RCK, or twice physically, and once as RCK).

TEL Received check information via telephone

Special Rules: A TEL entry may only be used when there is an Existing Relationship between the Originator and the Receiver, OR when there is not an Existing Relationship and the Receiver initiates the call. (No Outbound Telemarketing is permitted). The Originator has employed a commercially reasonable method for authenticating the identity of the receiver and has validated the account and routing number.

Single Entries: The Originator must make an audio recording of the oral authorization OR provide the Receiver with written notice confirming the oral authorization prior to initiating the debit entry. A statement must also be made by the Originator confirming the authorization obtained is for a Single-Entry or one-time debit.

Recurring Entries: The Originator must make an audio recording of the oral authorization AND provide the Receiver with written notice confirming the oral authorization prior to initiating the debit entry.

Notification: If the amount of the debit entry to a Consumer account differs from that of the original authorization, the Originator must send the receiver a written notification of the new amount, at least 10 calendar days prior to debit. If the Originator changes the date on or after the entries are scheduled to be debited from a Receiver’s account, the Originator must send the Receiver written notification of the new date no less than 7 calendar days before the date of the first entry affected by the change.

Retention: Originator must retain the authorization (voice recording, or confirmation notice and original agreement from single entries, for 2 years. Must provide a copy of authorization within 10 days of request by Originating/Receiving Financial Institution. (NOTE: Processor may require retention or production of authorization outside the NACHA proscribed parameters).

WEB Internet authorized transaction

Special Rules: A commercially reasonable fraud detection system, routing number validation system, receiver identity verification system has been employed to screen each entry. Additionally, each originator of WEB entries shall conduct or have conducted an annual audit to ensure that Receiver financial information is protected by Physical Security, Personnel access restrictions, and Network (logical) security, at a minimum.

Single Entries: The “Payment Type Code” is set to a value of “S” for Single Entry.

Recurring Entries: The “Payment Type Code” is set to a value of “R” for Recurring Entry.

Notification: If the amount of the debit entry to a Consumer account differs from that of the original authorization, the Originator must send the receiver a written notification of the new amount, at least 10 calendar days prior to debit. If the Originator changes the date on or after the entries are scheduled to be debited from a Receiver’s account, the Originator must send the Receiver written notification of the new date no less than 7 calendar days before the date of the first entry affected by the change.

Retention: Originator must retain the authorization and identity verification for 2 years. Must provide a copy of authorization within 10 days of request by Originating/Receiving Financial Institution. (NOTE: Processor may require retention or production of authorization outside the NACHA proscribed parameters).

Test Credit Cards

This is a set of credit card numbers that can be used while testing our APIs to generate specific responses. We strongly recommend that you use these numbers instead of live credit card information while testing. Any expiration date can be used with these numbers.

Card Info Result
4000100011112224
EXP : 09/27CVV : 123
Success
4000300011112220
EXP : 09/27CVV : 999
Declined
4000300611112224
EXP : 09/27CVV : 999
Insufficient Funds
4000301311112225
EXP : 09/27CVV : 999
CVV failure
4000000011112234
EXP : 09/27
Simulate a slow processing time : approx. 15s
4000000011112259
EXP : 09/27
Simulate a slow processing time : approx. 45s