Overview

The Check Payment resource represents a check written by a customer that has been deposited in a bank and received by Unit for cashing.

This resource becomes available either when a check payment is originated through the Unit API or after a check is written using Unit Deposit Account details (routing number and account number), deposited at a bank, and then received by Unit. Once a Check Payment is successfully processed (status: Processed ), a CheckPaymentTransaction is created, and the Deposit Account is debited.

Note

Check Payments are not enabled by default. Please contact Unit if you would like to enable this functionality.

Check Payment Statuses

When a check payment resource is created it will be created with one of the following statuses Processed, PendingReview, MarkedForReturn, or New if it originated in Unit. A checkPayment created webhook event will be fired for incoming check payments. You may track its progress using the status attribute or listening to relevant webhooks.

The possible status values are:

Status	Description
New	A request to originate a check payment has been registered and is being processed.
Rejected	See rejectReason for further details. The most common reason for a check payment to be rejected is an unsuccessful validation of the counterparty's address.
Pending	The check payment is pending submission and will be sent to the printers at the next cutoff time.
Canceled	The originated check payment was canceled. This can only be done while check payment is in Pending status, and cannot be undone.
PendingCancellation	a cancellation has been requested and is pending for a result. If the cancellation fails, the check will either return to Pending, or, if cut-off time has past, the check will transition directly into the next phase (most commonly InProduction)
InProduction	Cutoff time has passed. The check payment has been sent to the printers and can no longer be updated or canceled.
InDelivery	The check payment has been accepted by the mail service and is en route. see deliveryStatus for further tracking information.
Delivered	The check payment was delivered.
ReturnedToSender	The check payment could not be delivered and has been returned to the sender.
PendingReview	The check payment is pending review by Unit.
Processed	The check payment was processed and the deposit account was debited.
MarkedForReturn	The check payment was marked for return (see the return reason for more details). It will go into Returned next. If the check payment was already Processed, a ReturnedCheckPaymentTransaction be created to credit back the account.
Returned	The check payment was returned (see the return reason for more details).

Check Payment Return Reasons

Below is a list of some of the more common return reasons.

Note

Note that only some of the reasons can be used to initiate a return using the Return Check Payment Endpoint. see the full list for more details.

Return Reason	Description
NotSufficientFunds	Account has insufficient funds
UncollectedFundsHold	Funds are present in the account but are on hold
StopPayment	A matching Stop Payment request was identified and a Check Payment was returned
ClosedAccount	Account is closed
UnableToLocateAccount	Matching account not found
FrozenOrBlockedAccount	Account is Frozen or Check Payment is not enabled for client or Check Payment not enabled on Deposit Product
StaleDated	The date on the check is too far in the past
PostDated	The date on the check is in the future
NotValidCheckOrCashItem	The item is not a valid check
AlteredOrFictitious	The check has been altered or tampered with (e.g. the amount or recipient has been changed)
UnableToProcess	The check cannot be processed (e.g. information may be missing from the check)
ItemExceedsDollarLimit	Daily and/or monthly Check Payment limits have been crossed
NotAuthorized	The check is not authorized (e.g. a fake check)
ReferToMaker
UnusableImage	The check image quality is poor, unusable, or has multiple checks included
DuplicatePresentment	The check has already been deposited in the past
WarrantyBreach
UnauthorizedWarrantyBreach

Check Payment Delivery Status

DeliveryStatus is used to track the progress of the check payment's delivery. Following production, all check payments are sent from the printers to the mail service. As a check travels to its destination in the mail stream, any time it is scanned will yield an update to the deliveryStatus, alongside a CheckPayment.deliveryStatusChanged event.

Suggestion

Note that Unit does not have any control over the accuracy of scans or their availability. If one or more of the delivery status updates was not available, the corresponding events and statuses will be skipped as well.

You should be able to expect to start seeing your first delivery status update appear within 3 business days after the check's sendAt.

Delivery Status	Description
Mailed	The check has been handed off to and accepted by the mail service.
InLocalArea	The check payment is being processed at the destination facility. This is the final delivery status for checks sent to P.O boxes.
Delivered	The check payment has been delivered to its destination.
Rerouted	The check payment has been re-routed.
ReturnedToSender	The check payment could not be delivered and is being returned to the customer's address. No more tracking information will be available past this event.