Mercoa supports check payments to vendors who do not accept ACH payments. Mercoa will print and mail checks to vendors on your behalf, or your customers (C2) can print and mail checks themselves.
Key Considerations for Check Payments
Checks in Mercoa are printed using the account and routing number of the bank account you have linked to Mercoa.
Mercoa does not take custody of the funds, which allows your customer to maintain control of their cash flow.
Checks can only be printed against true checking accounts. Most BaaS providers' checking accounts are actually virtual accounts, which cannot be used for check payments.
We recommend printing a test check to deposit into your bank account to ensure that the check can be processed.
Enabling Check Payments
Once a bank account has been linked to Mercoa, you can enable check payments by updating the
checkEnabled field on the bank account.
For the vendor to receive a check, you will need to create a payment method for the vendor with the
type set to
Creating the Invoice
When creating the invoice, specify the source bank account as the
paymentSourceId and the vendor's check payment method as the
By default, checks will be printed and mailed to the vendor. This can be changed by setting the
paymentDestinationOptions on the invoice.
Printing the Check
Once the invoice has been created and is in the
SCHEDULED status, you can generate the check PDF by using the generate check endpoint.
Once this endpoint has been called, the invoice will be automatically marked as
PAID regardless of the delivery method selected on the invoice. This is to prevent duplicate payments.