Remote Deposit Capture
curl --request POST \
--url https://testapi.fractalpay.com/api/v1/merchant/remote_deposit_capture \
--header 'Authorization: Basic <encoded-value>' \
--header 'Content-Type: multipart/form-data' \
--form amount=100 \
--form 'merchant_key={{merchant_key}}' \
--form device=iOS \
--form front_file='@example-file' \
--form back_file='@example-file'import requests
url = "https://testapi.fractalpay.com/api/v1/merchant/remote_deposit_capture"
files = {
"front_file": ("example-file", open("example-file", "rb")),
"back_file": ("example-file", open("example-file", "rb"))
}
payload = {
"amount": "100",
"merchant_key": "{{merchant_key}}",
"device": "iOS"
}
headers = {"Authorization": "Basic <encoded-value>"}
response = requests.post(url, data=payload, files=files, headers=headers)
print(response.text)const form = new FormData();
form.append('amount', '100');
form.append('merchant_key', '{{merchant_key}}');
form.append('device', 'iOS');
form.append('front_file', '<string>');
form.append('back_file', '<string>');
const options = {method: 'POST', headers: {Authorization: 'Basic <encoded-value>'}};
options.body = form;
fetch('https://testapi.fractalpay.com/api/v1/merchant/remote_deposit_capture', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://testapi.fractalpay.com/api/v1/merchant/remote_deposit_capture",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => "-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"amount\"\r\n\r\n100\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"merchant_key\"\r\n\r\n{{merchant_key}}\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"device\"\r\n\r\niOS\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"front_file\"; filename=\"example-file\"\r\nContent-Type: application/octet-stream\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"back_file\"; filename=\"example-file\"\r\nContent-Type: application/octet-stream\r\n\r\n<string>\r\n-----011000010111000001101001--",
CURLOPT_HTTPHEADER => [
"Authorization: Basic <encoded-value>",
"Content-Type: multipart/form-data"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://testapi.fractalpay.com/api/v1/merchant/remote_deposit_capture"
payload := strings.NewReader("-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"amount\"\r\n\r\n100\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"merchant_key\"\r\n\r\n{{merchant_key}}\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"device\"\r\n\r\niOS\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"front_file\"; filename=\"example-file\"\r\nContent-Type: application/octet-stream\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"back_file\"; filename=\"example-file\"\r\nContent-Type: application/octet-stream\r\n\r\n<string>\r\n-----011000010111000001101001--")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("Authorization", "Basic <encoded-value>")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://testapi.fractalpay.com/api/v1/merchant/remote_deposit_capture")
.header("Authorization", "Basic <encoded-value>")
.body("-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"amount\"\r\n\r\n100\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"merchant_key\"\r\n\r\n{{merchant_key}}\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"device\"\r\n\r\niOS\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"front_file\"; filename=\"example-file\"\r\nContent-Type: application/octet-stream\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"back_file\"; filename=\"example-file\"\r\nContent-Type: application/octet-stream\r\n\r\n<string>\r\n-----011000010111000001101001--")
.asString();require 'uri'
require 'net/http'
url = URI("https://testapi.fractalpay.com/api/v1/merchant/remote_deposit_capture")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Basic <encoded-value>'
request.body = "-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"amount\"\r\n\r\n100\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"merchant_key\"\r\n\r\n{{merchant_key}}\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"device\"\r\n\r\niOS\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"front_file\"; filename=\"example-file\"\r\nContent-Type: application/octet-stream\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"back_file\"; filename=\"example-file\"\r\nContent-Type: application/octet-stream\r\n\r\n<string>\r\n-----011000010111000001101001--"
response = http.request(request)
puts response.read_body{
"result": true,
"message": "Remote deposit capture initiated successfully.",
"data": {
"transactionId": "txn_abc123",
"amount": "100.00"
}
}Payment Collection Methods
Remote Deposit Capture
Submit a check image for remote deposit capture. Sends the front and back images of a check as a multipart/form-data upload.
Note: The merchant must have Skyfi ACH credentials configured — requests will fail with "Skyfi merchant or account detail not found" if credentials are not set up.
POST
/
merchant
/
remote_deposit_capture
Remote Deposit Capture
curl --request POST \
--url https://testapi.fractalpay.com/api/v1/merchant/remote_deposit_capture \
--header 'Authorization: Basic <encoded-value>' \
--header 'Content-Type: multipart/form-data' \
--form amount=100 \
--form 'merchant_key={{merchant_key}}' \
--form device=iOS \
--form front_file='@example-file' \
--form back_file='@example-file'import requests
url = "https://testapi.fractalpay.com/api/v1/merchant/remote_deposit_capture"
files = {
"front_file": ("example-file", open("example-file", "rb")),
"back_file": ("example-file", open("example-file", "rb"))
}
payload = {
"amount": "100",
"merchant_key": "{{merchant_key}}",
"device": "iOS"
}
headers = {"Authorization": "Basic <encoded-value>"}
response = requests.post(url, data=payload, files=files, headers=headers)
print(response.text)const form = new FormData();
form.append('amount', '100');
form.append('merchant_key', '{{merchant_key}}');
form.append('device', 'iOS');
form.append('front_file', '<string>');
form.append('back_file', '<string>');
const options = {method: 'POST', headers: {Authorization: 'Basic <encoded-value>'}};
options.body = form;
fetch('https://testapi.fractalpay.com/api/v1/merchant/remote_deposit_capture', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://testapi.fractalpay.com/api/v1/merchant/remote_deposit_capture",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => "-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"amount\"\r\n\r\n100\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"merchant_key\"\r\n\r\n{{merchant_key}}\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"device\"\r\n\r\niOS\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"front_file\"; filename=\"example-file\"\r\nContent-Type: application/octet-stream\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"back_file\"; filename=\"example-file\"\r\nContent-Type: application/octet-stream\r\n\r\n<string>\r\n-----011000010111000001101001--",
CURLOPT_HTTPHEADER => [
"Authorization: Basic <encoded-value>",
"Content-Type: multipart/form-data"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://testapi.fractalpay.com/api/v1/merchant/remote_deposit_capture"
payload := strings.NewReader("-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"amount\"\r\n\r\n100\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"merchant_key\"\r\n\r\n{{merchant_key}}\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"device\"\r\n\r\niOS\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"front_file\"; filename=\"example-file\"\r\nContent-Type: application/octet-stream\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"back_file\"; filename=\"example-file\"\r\nContent-Type: application/octet-stream\r\n\r\n<string>\r\n-----011000010111000001101001--")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("Authorization", "Basic <encoded-value>")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://testapi.fractalpay.com/api/v1/merchant/remote_deposit_capture")
.header("Authorization", "Basic <encoded-value>")
.body("-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"amount\"\r\n\r\n100\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"merchant_key\"\r\n\r\n{{merchant_key}}\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"device\"\r\n\r\niOS\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"front_file\"; filename=\"example-file\"\r\nContent-Type: application/octet-stream\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"back_file\"; filename=\"example-file\"\r\nContent-Type: application/octet-stream\r\n\r\n<string>\r\n-----011000010111000001101001--")
.asString();require 'uri'
require 'net/http'
url = URI("https://testapi.fractalpay.com/api/v1/merchant/remote_deposit_capture")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Basic <encoded-value>'
request.body = "-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"amount\"\r\n\r\n100\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"merchant_key\"\r\n\r\n{{merchant_key}}\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"device\"\r\n\r\niOS\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"front_file\"; filename=\"example-file\"\r\nContent-Type: application/octet-stream\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"back_file\"; filename=\"example-file\"\r\nContent-Type: application/octet-stream\r\n\r\n<string>\r\n-----011000010111000001101001--"
response = http.request(request)
puts response.read_body{
"result": true,
"message": "Remote deposit capture initiated successfully.",
"data": {
"transactionId": "txn_abc123",
"amount": "100.00"
}
}Authorizations
Use your Fractal API credentials.
Username = Client ID Password = Secret Key
Sandbox credentials can be generated from the Test Portal.
Body
multipart/form-data
Amount of the check.
Example:
100
The merchant's unique key. Returned in the merchant_key field of the get merchants by client call.
Example:
"{{merchant_key}}"
Device OS name.
Example:
"iOS"
Image of the front of the check.
Image of the back of the check.
⌘I