iWallet FAQ

Mobile Check Upload FAQ

Q: How does mobile check improve cash flow?
A: Enjoy quick access to funds in as little as two(on approved accounts) to three business days

Q: Is getting authorization easy?
A: Quickly debit consumer checking accounts after receiving a check

Q: What about banking fees?
A: Banking fees and paper check handling costs are virtually eliminated

Q: Can multiple techs deposit remotely from their individual phones/tablets?
A: Mobile check is supported from multiple locations and users

Q: Can it recover checks simply?
A: Automatic notification of non-sufficient funds items and automatic resubmission

Q: Do I need to create a new account for funding?
A: Funds are conveniently and electronically deposited into your existing bank account (no separate account required)

Q: Do I have payment protection?
A: Process checks risk free with optional Check Guarantee protection

Q: Does mobile check have fraud detection?
A: Free fraud detection service instantly verifies consumer checking accounts before completing the transaction

Q: Is it simple to use
A: Intuitive web-based or app-based user interface

Q: How does it work?

  1. Consumers write your business a check to electronically debit their checking account.
  2. Transaction information is uploaded to the processor through a variety of options including web-based virtual terminals, android or ios app.
  3. Once transmitted, payment will be electronically debited from the customer’s checking account.
  4. Once the transaction clears, funds will be electronically deposited into your business bank account within 2-3 business days (contact us for expedited funding).


Q: What is an API?
A: API is the acronym for Application Programming Interface, a set of programmed codes that sends information back and forth between two different software products.

Q: Why is an API needed?
A: APIs bring applications together to perform sharing data and executing pre-defined processes. It allows integrate check processing into a persisted system or build own system for check deposits from a smartphone

Q: How does an API work?
A: APIs is a middleman that sits between the web server and application to process data transfers.

Q: What problems do APIs solve?
A: Building an application rather than using an existing solution is more cost effective. APIs also make software development fast for developers.

Q: How do you implement an API?
A: Get an API key, review the API documentation, write a request to an endpoint and connect your app.

Q: What is an API gateway?
A: API gateway is an API management tool gateway acts as a reverse proxy to accept all application programming interface (API) calls, aggregate the various services required to fulfill them, and return the appropriate result.

Q: How do I test the API
A: To confirm that your integration works correctly, simulate transactions without moving any money you could use a staging server and special test values to emulate different scenarios.

Q: Do I have to agree to iWallet Terms of Use just to test an API?
A: You should agree to iWallet Terms of Use before go-live with App.

Q: Can I process credit cards through the iWallet API?
A: We have it in our roadmap for Fall 2022

Q: Can I submit or request for the API?
A: Fill in the form https://iwallet.com/api

Q: How do I contact API support?
A: Email hello@iWallet.com. May take up to 24 hours for a response.