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Flinks Guaranteed EFT (G-EFT) reduces the risk and inefficiencies of traditional EFT transactions by providing a payment guarantee before funds are moved. This ensures that the payment will be honored, reducing exposure to NSF (Non-Sufficient Funds) returns.

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How G-EFT works

The Guaranteed EFT flow adds a guarantee step before the standard EFT process:
  1. Session creation: Your server calls /Authorize and /Sessions/Initiate to create a payment session.
  2. Customer authentication: The customer authenticates through Flinks Connect, selects their account, and specifies the payment amount.
  3. Guarantee issuance: Flinks analyzes the account and issues a payment guarantee (or refuses if risk is too high).
  4. Guarantee acceptance: You can explicitly accept or reject the guarantee, or configure auto-acceptance for low-risk guarantees.
  5. Payment processing: Once the guarantee is accepted, Flinks initiates the EFT and delivers funds to your settlement account.

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Key features

FeatureDescription
Guarantee webhookReceive a webhook notification when a guarantee is issued
Accept/rejectExplicitly accept or reject guarantees before completing the session
Auto-acceptanceConfigure automatic acceptance for low-risk guarantees
Next Best OfferOptionally receive an alternative amount suggestion if the requested amount can’t be guaranteed
Flexible settlementDirect funds to your organization’s settlement account or individual user accounts
Session status webhookReceive notifications when a session moves to failed, cancelled, or completed status
Payor details endpointRetrieve complete payor account details (institution code, transit number, account number)

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Setting up G-EFT

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Prerequisites

  • An active Flinks Pay instance with EFT enabled
  • G-EFT feature enabled by your Flinks Representative

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Integration flow

  1. Authorize: Call the /Authorize endpoint to get an access_token.
  2. Initiate session: Call /Sessions/Initiate with the access_token to create a G-EFT session.
  3. Launch the application: Open the Flinks Pay application for the customer using your session URL: 
    https://{BaseURL}/app/?sessionId={sessionId}
  4. Handle guarantee: Listen for the guarantee webhook or poll the session status to determine if a guarantee was issued.
  5. Accept or reject: Use the guarantee details to accept or reject the payment.
  6. Monitor settlement: Track the payment through to settlement using the /PaymentRequests GET endpoint or status webhooks.

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Sandbox testing

To test G-EFT in the sandbox environment:
  1. Use your sandbox credentials provided by Flinks during onboarding.
  2. Create a session using the test institution Flinks Capital.
  3. Authenticate with username Greatday and password Everyday.
  4. Complete the payment flow and verify the guarantee webhook is received.
Webhook testing is not available in sandbox environments. To test webhooks with G-EFT, you’ll need to use your staging or production instance. Contact your Flinks Representative for staging access.