Native check processing, now built into dhango

dhango now processes checks natively, with no third-party check provider. You scan the checks, dhango sends them to the bank, and they settle through your dashboard like your other payments.

• Check Bundles: deposit a whole stack of checks at once
• Upload your scanner folder as it is. dhango matches each check's front and back by reading the check itself, not by file names, so it works with any scanner's naming style.
• Details are read for you. Payer, payee, memo, amount, check number, and routing and account numbers are pulled from each image. You can review and correct them before you post.
• Routing numbers are checked. An invalid routing number is flagged right away and can't be posted.
• See the original scan. Click the magnifier on any check to open the scanned image, and switch between front and back.
• Easy-to-read deposit numbers. Each bundle gets a deposit number that counts up for each account (Deposit #1, #2, …), plus a reference code to quote to support.
• Pick the right account. The deposit account list shows only accounts you can access. If you have only one, it's already selected.

Behind the scenes

• Check images are converted to the format banks require automatically.
• Posted checks are sent to the bank each business day at the daily cut-off, then settle on the normal check settlement schedule.
• Returned checks are handled automatically and go through the same return process and notifications you already get for ACH returns.

Availability: Check Bundles appears for accounts set up for native check processing. Accounts on the current check deposit flow keep it unchanged. Contact your dhango representative to switch.

Paid customers and invoices on transaction details

If your integration sends paidCustomers or paidInvoices with a pay, authorize, capture or payout request, the transaction details page now shows them:

• Customers: each customer's name, your customer ID and the amount paid.
• Invoices: each invoice ID, the customer it belongs to and the amount paid.

These show on refunds and reversals as well.

Automatic onboarding (API)

Platforms can now choose automatic onboarding when creating an application session. Add an autoOnboarding object to POST /v1/applicationSessions:

"autoOnboarding": {

"backgroundChecks": ["BankAccountAndName", "TinOnly"]

}

• BankAccountAndName checks that the deposit bank account belongs to the applicant.
• TinOnly verifies the applicant's Tax ID Number (TIN).

When the applicant finishes sign-up and accepts the terms, dhango creates their account and runs the checks you selected, with no manual review. These accounts are set up to receive payouts. If you leave out autoOnboarding or send an empty list, onboarding stays manual as it is today.