Payments Overview

Check’s Payments API allows you to view payments initiated by Check on behalf of employers.

A Payment object can have one of the following parent types, which also indicates its purpose:

• Payroll: Payment was initiated to fund the cash requirement of the payroll, by debiting the employer’s account.
• Payroll Item: Payment was initiated to disburse earnings net of taxes to employees, by crediting the employee’s bank account
• Contractor Payment: Payment was initiated to disburse earnings to contractors, by crediting the contractor’s bank account

Payment Lifecycle

Each Payment has one or more associated Payment Attempts that have one of the following statues in the payments life cycle:

• draft: Payment is created in draft state after a Payroll is approved, but not yet submitted for processing.
• processing: Payment has been transmitted to the payment processor.
  • Payment Attempt sent via ACH will remain in this state until the end of the distribution and settlement timeline in the FedACH processing schedule
  • Payment Attempt sent via Wire will remain in this state until Check confirms the receipt of the wire payment
• paid: Payment was successfully processed and funds were transferred to the recipient.
  • Payment Attempt sent via ACH will automatically transition to this status at the end of the settlement timeline in the FedACH processing schedule. This may not be a terminal state, as the ACH Protocol allows for payments to be rejected up to two banking days following the expected settlement date.
  • This state is terminal for Payment Attempt sent via Wire
• failed: The Payment could not be processed. Common failures include insufficient funds or incorrect account details. You can recover failed payment attempts using the /retry or /refund endpoints.
• refunded: Indicative of a payment that has been refunded. Once a payment has been refunded, it cannot be undone.

Visit this section of the Docs for more details on the Payment and Payment Attempt objects.