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.

1. Id of the partner FBO account
2. 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.

See transfer request

3. Recapture Advance

Partners that want to recapture the funds that were distributed to their consumers need to have access to two properties.

1. Id of the partner FBO account
2. Id of the consumer bank account

On recaptures, partners need to set the memo field to card.advance.payback.

Recaptures are triggered the consumer account to the partner FBO account.

Recaptures use the same request as Advances but the originating_account_id and receiving_account_id are reversed.