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Overview

The PAPI3 Multi Flow Web Service exposes a set of APIs for the EPS Ensenta Consumer Mobile and Business Mobile products. With PAPI3 Multi Flow process, you will be able to integrate a smooth user experience for remote deposit capture within your mobile application. In doing so, financial institutions will be able to use the EZAdmin platform with its 200+ unique risk factors to assist with reviewing the captured deposits. Below are the features that are available through the PAPI3 APIs.

List of Features
  • User Eligibility - This feature allows an FI to allow or block account holders for the deposit workflow.
  • Account Type Eligibility - This feature lets the FI decide which account types are eligible for deposits.
  • Terms of Service - This feature allows EPS Ensenta to host the FI's Terms of Service and requires end users to accept the terms prior to using mobile deposit.
  • Attributes for Segmentation - This feature allows you to apply limits and risk settings to an end user by sending the tier associated with those settings.
  • Limits - This feature allows the FI to set limits on amounts and transaction velocity. Limit information is returned in the StartSession and GetSessionInfo responses.
  • Funds Availability - This feature allows the FI to set up a customer Funds Availability message that can be displayed to the end user.
  • History - This feature allows the end user to view their deposit history, such as item information, status, and check images.
  • Geolocation - This feature allows the FI to use our risk factors based on geolocation. It tracks and compares the end user's IP address to help identify potential fraud.
  • Email Alerts - This feature allows the FI to enable email notifications to be sent to the end user during specific events of the deposit process.
  • Mitek Misnap™ - A check image capturing SDK developed by our business partner Mitek that will auto-capture quality images for mobile processing.
  • Confirmable - A type of risk factor that is returned to end users to bring attention to potential issues with the deposit. It gives users a chance to make corrections or to confirm that the information is correct.
Glossary
  • EU - End user
  • FI - Financial institution
  • Bank of First Deposit - Bank that is accepting the checks for processing with the Federal Reserve
  • Mobile Vendor - Vendor building the mobile application (this may also be the financial institution if the FI is building the application)
  • UI - User interface
  • RDC - Remote deposit capture
  • SSL - Secure Socket Layer
  • SSO - Single sign-on
  • RF - Risk factors enabled through the EPS Ensenta service
  • OCR - Optical Character Recognition