> ## Documentation Index
> Fetch the complete documentation index at: https://docs.fractalpay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# 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.



## OpenAPI

````yaml post /merchant/remote_deposit_capture
openapi: 3.0.3
info:
  title: Fractal
  version: 1.0.0
  contact: {}
servers:
  - url: https://testapi.fractalpay.com/api/v1
    description: Sandbox
  - url: https://api.fractalpay.com/api/v1
    description: Production
security: []
tags:
  - name: Merchant Onboarding
  - name: Payment Collection Methods
  - name: Requests
  - name: Preauthorizations
  - name: Customers
  - name: Charging Customer
  - name: Transactions
paths:
  /merchant/remote_deposit_capture:
    post:
      tags:
        - Payment Collection Methods
      summary: Remote Deposit Capture
      description: >-
        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.
      operationId: remoteDepositCapture
      requestBody:
        content:
          multipart/form-data:
            schema:
              type: object
              properties:
                amount:
                  type: number
                  description: Amount of the check.
                  example: 100
                merchant_key:
                  type: string
                  description: >-
                    The merchant's unique key. Returned in the `merchant_key`
                    field of the get merchants by client call.
                  example: '{{merchant_key}}'
                device:
                  type: string
                  description: Device OS name.
                  example: iOS
                front_file:
                  type: string
                  format: binary
                  description: Image of the front of the check.
                back_file:
                  type: string
                  format: binary
                  description: Image of the back of the check.
              required:
                - amount
                - merchant_key
                - device
                - front_file
                - back_file
      responses:
        '200':
          description: Remote Deposit Capture
          content:
            application/json:
              schema:
                type: object
                properties:
                  result:
                    type: boolean
                    example: true
                  message:
                    type: string
                    example: Remote deposit capture initiated successfully.
                  data:
                    type: object
                    properties:
                      transactionId:
                        type: string
                        example: txn_abc123
                      amount:
                        type: string
                        example: '100.00'
              examples:
                Remote Deposit Capture:
                  value:
                    result: true
                    message: Remote deposit capture initiated successfully.
                    data:
                      transactionId: txn_abc123
                      amount: '100.00'
      security:
        - basicAuth: []
components:
  securitySchemes:
    basicAuth:
      type: http
      scheme: basic
      description: |-
        Use your Fractal API credentials.

        Username = Client ID
        Password = Secret Key

        Sandbox credentials can be generated from the Test Portal.

````