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Overview

About JHA SmartPay mRDCTM (Mobile Remote Deposit Complete). Commercial Mobile Remote Deposit Capture Solution​

Today’s businesses expect to conduct more and more of their interactions and transactions using smartphones and tablets. In order to attract, serve, and retain lucrative commercial account holders, you must support their growing demand for “anytime, anywhere” banking. It’s more critical than ever to keep pace with the mobile evolution by delivering your financial services in an environment that is easy-to-use, modern, engaging, and secure. With JHA SmartPay mRDC, your business account holders can conveniently deposit checks anytime, anywhere using camera-enabled smartphones and tablets. When you choose JHA SmartPay mRDC, you gain the ability to:

  • support multiple users
  • maintain all login credentials
  • accommodate multiple checks in a single deposit
  • enable checks to be deposited into multiple accounts
  • track all deposit activity, and
  • allow payment data to be added to deposits It is an ideal, low-cost mobile solution for businesses with low check volumes and remote field personnel.

Full integration of JHA SmartPay mRDC with JHA SmartPay Remote Deposit CompleteTM (RDC) and JHA SmartPay Remote Deposit NowTM (RDN) means you can support diverse businesses and locations with highly scalable mobile and desktop solutions, expediting funds availability and improving cash flow.

About the JHA mRDC Web Service​

The mRDC Web Service exposes a set of API’s for the mRDC product that enables an easy integration for a smooth remote deposit capture workflow from within your mobile application. Following are the features that are available through the mRDC API’s.

List of features

  • Multi Item Batches - This feature allows the bundling of multiple check items in one batch for a single deposit.
  • Display Deposit History - This feature displays previous deposit history for the user with item and status information.
  • Display Images - This feature adds the ability to view front and back check images along with the deposit history.
  • Data Entry - This feature gives a user the ability to enter extra transaction information with the check for reporting purposes. Note the enabling of Data Entry fields are controlled from the SPM portal.
  • Custom Batch ID - This feature gives the user a field where they can enter a custom description of the batch for their reporting. Note the enabling of this field is controlled from the SPM portal.
  • Geo Location - Not used at this time but a value can be passed and stored.
  • Associate Customer - This feature will allow a user to associate information about the check writer (Customer) to the deposit.
  • Soap or JSON - The requests can be passed to our web service in either Soap or JSON format.
  • Misnap - A check image capturing SDK developed by our business partner Mitek that will auto capture quality images for mobile processing.
  • Create Customer - This feature allows the creation of a new customer to associate with the deposit.