When you create a transaction through POST /v1/transactions, Reefpay determines the correct processor based on the payment method type. Card transactions route to TSYS and bank account transactions route to Vericheck. The routing is automatic — you do not need to specify a processor in the request.
TSYS (now FIS Total Issuing Solutions) is a global payment processor that handles credit and debit card transactions.
| Transaction type | Description |
|---|---|
sale | Authorize and capture in one step |
auth | Authorize only; capture separately via POST /v1/transactions/{id}/capture |
capture | Capture (complete) a prior authorization |
cancel | Cancel before settlement via POST /v1/transactions/{id}/cancel |
refund | Return funds for a settled transaction |
| Brand | Supported |
|---|---|
| Visa | Yes |
| Mastercard | Yes |
| American Express | Yes |
| Discover | Yes |
TSYS responses are returned in the processor_response object within the transaction response. Key fields include:
| Field | Description |
|---|---|
response_code | Processor result code (e.g., 00 for approved) |
authorization_code | Six-digit authorization code from the issuing bank |
response_message | Human-readable description of the result |
Merchants connect to TSYS by creating an integration through POST /v1/integrations with the appropriate Merchant Identifier (MID) and Terminal Identifier (TID) credentials. For step-by-step instructions, see Add an integration.
Vericheck is an ACH Network payment processor that handles bank account debits and credits through an automated clearing house (ACH) for electronic funds transfers.
| Transaction type | Description | Fund flow |
|---|---|---|
payment | Debit (pull funds) | Person → Merchant |
payout | Credit (push funds) | Merchant → Person |
cancel | Cancel before settlement via POST /v1/transactions/{id}/cancel |
ACH transactions do not settle in real time. Typical timelines:
| Event | Timeline |
|---|---|
| Transaction submitted | Immediate API response |
| Batch sent to ACH network | Next business day |
| Funds settled | 2–3 business days |
| Returns (NSF, closed account) | Up to 60 days |
Merchants connect to Vericheck by creating an integration through POST /v1/integrations. For step-by-step instructions, see Add an integration.
Manage processor connections (integrations) through the following endpoints.
| Endpoint | Method | Description |
|---|---|---|
/v1/integrations | GET | List all processor integrations |
/v1/integrations | POST | Create a new processor integration |
/v1/integrations/{id} | GET | Retrieve integration details |
/v1/integrations/{id} | PUT | Update integration credentials |
/v1/integrations/{id} | DELETE | Remove a processor integration |