Customer Cash Deposits & Payments

The customer can use two methods to make cash deposits or payments through GDN retailers:

• Debit Card Swipe Reload (at the retail point of sale)
• eCash Mobile Barcode (cash-in for anything other than debit-card accounts)

Following is a description of each method.

Debit Card Swipe Reload

All Green Dot Retailer locations can perform cash deposits to debit cards. To accommodate this, partners have two options for API integration. Following are descriptions of these options and their key differences.

Integration Option 1:  Direct Authorization with Green Dot

APIs Used

• Consumption API

Key Features

• XML API
• Directly authorizes and posts funds in response to Green Dot requests triggered by the customer at the point of sale.
• The partner approves or declines the deposit in response to the Auth request from Green Dot.Note: If you approve the Cash Deposit Auth request, you must honor a subsequent Auth Commit call to post funds.
• Green Dot may send an Auth Void call if the retailer experiences technical problems with the transaction.
• The transaction type is identified.
• The Individual retail store information is included in the AuthCommit call.

Partner Requirements

• Set up the endpoints to accept the following Green Dot requests:
  • Auth
  • Auth Commit
  • Auth Void
• Configure the processing system to:
  • Determine when to authorize cash deposits when the Auth is received, based on the debit card PAN and amount only. 
  • Post funds when an Auth Commit call is received.
  • Void a previous Auth call if received.
• Provide credentials to access the endpoints you set up, and whitelist Green Dot IP addresses to enable our requests to reach your endpoints successfully.
• Pass the individual retail store information in the AuthCommit call.

Settlement Method

Using SFTP protocol, you can directly settle with Green Dot using the Settlement file posted the day after settlement.

Integration Option 2:  Lookup to Enable Usage of Debit Network Integration

APIs Used

• Point-of-Banking API

Key Features

• REST API
• To process and approve a cash deposit, the API:
  • Receives the information lookup call from Green Dot.
  • Receives the standard funds posting authorization call from the program’s preferred debit or ATM network.
• Green Dot only sends an information lookup API call, GET Customer information, then uses that information to send a combined funds authorization and posting call via its connection to the MasterCard Send gateway. 
• MasterCard Send matches your BIN to the best funds posting channel, which could be Visa OCT, MasterCard MoneySend, NYCE, STAR, and Pulse ATM networks. Note: These networks might already be set up.

Partner Requirements

• Configure the processing system to retrieve the information Green Dot needs to use the debit network rails to post funds.
• Make available a connection and established process for receiving account credits via the debit networks and configure it to specifically authorize cash deposits.

Settlement Method

Use the existing settle process that the debit networks use to push account credits.

eCash Mobile Barcode Cash In

If you seek to accept cash for any purpose other than a cash deposit to a debit card, you need to use an eCash mobile barcode.  Many of Green Dot’s leading retailers (including Walmart, 7-Eleven, CVS, Rite Aid, and Walgreens) accept eCash. We are always adding retailers, so please check with your account manager for the latest list of retailers supporting eCash.

Generally, the eCash mobile barcode is generated as a one-time usage transaction and must be generated fresh for each usage. If you require a repeat-usage barcode or need bulk barcodes generated for printed statements, etc., please contact your Green Dot account manager for assistance.

Completing an eCash facilitated cash-in transaction is a two-step process:

1. The Customer generates an eCash barcode or displays one already provided on their mobile phone to show the retail cashier.
2. After the customer tenders cash at the retailer, Green Dot authorizes the cash-in transaction with the partner and the funds are posted.

To integrate the eCash Mobile Barcode, there are two options:

• Real-time payments
• All payments accepted and posted the next day

The following table summarizes the functionality, options, and requirements for integrating to the eCash mobile barcode.