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Steps To Determine Relevant Files For Your Program

To determine relevant files or APIs for your program, combine the following:

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Relevant Files from one of Product Type and..

  • Credit: Includes term loans, line of credit, credit or charge card (secured or unsecured)
  • Deposit: Includes deposit accounts, debit card or prepaid card (secured or unsecured)
    If you are using virtual account numbers, you must use Entity API to submit entity information.

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Relevant Files from one of Account Holder Type and…

  • If your customers are Consumer only, only Customer file will be relevant
  • If your customers are commercial or commercial and consumer, both Customer and Customer Relationship files are relevant

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Relevant Files or API from any of Disbursement Type

  1. For card programs, we will receive information on Card from you and Network Settlement from your Issuing Processor
  2. For outgoing bank transfers, either ACH or Wire are supported through API or ACH via Nacha files
For incoming bank transfers, we support incoming ACH and Wire transfers Diagram of the relevant files for different program types such as credit or debit or both. 1. This will be relevant for credit products utilizing incoming ACH for disbursements and funds need to be funded in accounts real-time prior to scheduled ACH.
2. This will be relevant for secured debit or credit products to notify Lead of details on the collateral for reconciliation and bank oversight.
3. If you are using virtual account numbers, you must use the Entity API to submit entity information.

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File Submission FAQs

Only entity files can be submitted multiple times a day. All other files are processed once per day.
Submit an empty file for a day when there are no updates. This will allow your files to stay up to date.
We require files on a daily basis with every calendar day’s files sent before 6:00 a.m. CT the following business day (T+1).

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Daily Files Delivered by Lead