Fund By Wire

You can designate payrolls that will be funded with an incoming wire or facilitate the expedition of existing payrolls originally intended to be funded with an ACH debit that have missed their approval deadline.

API Implementation

A payroll can be designated as a wire payment upon creation of a payroll by doing the following:

Within the create POST request to the /payrolls endpoint. This field defaults to ach but within the request body, the object should contain: funding_payment_method = wire
Once this is done, the approval deadline should reflect 1 banking day before payday. This is the latest date that a wire must be sent to Check in order for the payroll to be paid on time.
The payroll must be approved prior to the approval deadline, and prior to the wire transfer being initiated. This can be done through the standard POST request to the /approve endpoint. At this point, the payroll will be approved and instantly moved into a processing state.

An existing payroll can be expedited by doing the following:

Send a PATCH request to the /payrolls endpoint. Within the request body, the object should contain: funding_payment_method = wire.
If the payroll was previously past the approval deadline, the payroll should now reflect an updated approval deadline after the previous step. The approval deadline should reflect the banking day before payday. This is the latest date that a wire must be sent to Check in order for the payroll to be paid on time.
The payroll must be approved prior to the approval deadline, and prior to the wire transfer being initiated. This can be done through the standard POST request to the /approve endpoint. At this point, the payroll will be approved and instantly moved into a processing state.
Once approved, the wire should be initiated to fund the payroll. Check must receive the wire payment by 2:00 PM PT in order for the payroll to be paid on time.

Important Considerations

Updating a payroll from ach to wire and back from wire to ach can be done at any point in time, but the payroll cannot be modified once it is approved.
The approval deadline will change when switching between funding payment methods.
Wires must be received by 2:00 PM PT. Payroll credits (contractor or employee payments) will only be sent out on receipt of the wire. We cannot guarantee payrolls being paid out on time if the wire is initiated past this deadline.
Wire details are in the payment attempt object that is associated with the debit. The payment attempt object can be found using the Payments API. The wire details object will contain all the information needed to complete the transfer, including account number, routing number, bank name, account name, account address, and amount.
Wires must be initiated with exactly the amount shown in the payment or payment attempt object following the exact details provided.