Payment Card Advance Documentation
Overview
Upward provides a seamless and secure way for businesses to provide cash advances to there consumers. This pages shows exactly which API calls partners should make to take advantage of the advance feature. All calls are scoped to the authenticated Partner; accounts must belong to (or be valid for) that Partner.
Payments Workflow
1. Get Auth Token
Step one of the workflow is to get an auth token to perform this action. The token scope needed to perform this action is api:write or api:purchase:write
SEE Auth API
2. Create An Advance
Partners that want to give early cash advance to consumes needs to have access to two properties.
- Id of the partner FBO account
- Id of the consumer bank account
Partners need to set the memo field to card.advance
Advances are triggered from the partner FBO account to consumers account.
Example POST message to /v2/payments/transfer
to initiate a Card Advance.
Example response from the card.advance
payment creation. You will need to store the payment ID to complete the payback cycle (see details below).
_for more details on creating Book Transfers, see the transfer API request
3. Recapture Advance
Partners that want to recapture the funds that were distributed to their consumers need to have access to two properties.
- Id of the partner FBO account
- Id of the consumer bank account
- Id of the original payment from when the advance was initiated
On payback, partners need to set the memo field to card.advance.payback
and include the id of the initial payment in the reference_payment_id
field of the API request.
Payback use the same request as Advances but the originating_account_id and receiving_account_id are reversed.
Example POST message to /v2/payments/transfer
to pay back a Card Advance.