generated: '2026-08-23'
method: generated
source: openapi/interchecks-payments-api-v2.json
provider_published_skills: false
provider_published_skills_note: >-
  No provider-published Agent Skill, AGENTS.md or skills/ directory was found on any Interchecks
  host or in the github.com/interchecks organisation. These skills are authored by API Evangelist
  from the provider's own published OpenAPI and documentation; every operationId referenced was
  verified against openapi/interchecks-payments-api-v2.json before writing.
api: Interchecks Payments API v2
skill_count: 5
skills:
- name: interchecks-onboard-recipient-bank-payout
  file: interchecks-onboard-recipient-bank-payout.md
  summary: >-
    Create a recipient, link a bank account through the Plaid widget or a processor token, and pay
    them by ACH — with the idempotency and reversibility rules that decide whether the payout can
    be taken back.
  operations:
  - get-access-token
  - create-recipient
  - create-bank-widget
  - get-bank-accounts
  - create-transaction
  - get-transaction
  - update-transaction
- name: interchecks-instant-card-payout
  file: interchecks-instant-card-payout.md
  summary: >-
    Capture a debit card through the hosted widget without taking PCI scope, verify it, push funds
    with INSTANT_DEPOSIT (Visa/Mastercard OCT), and read the network action code out of an
    HTTP 200 decline.
  operations:
  - get-access-token
  - create-card-widget
  - add-card-account
  - get-card-accounts
  - verify-card-account
  - get-card-account-verify
  - create-transaction
  - get-transaction
- name: interchecks-verify-webhook
  file: interchecks-verify-webhook.md
  summary: >-
    Verify the RS256 x-verification JWT, the SHA-256 body hash and the 5-minute freshness window
    before acting on any Interchecks event, then dispatch on webhook_type.
  operations:
  - get-access-token
- name: interchecks-ach-funding-pull
  file: interchecks-ach-funding-pull.md
  summary: >-
    Pull funds by ACH Funding Plus — handle the balance/risk pre-checks and their documented
    bypasses, cancel inside the PROCESSING/RETRY window, and refund with ACH_REFUND once that
    window has closed.
  operations:
  - get-access-token
  - create-bank-widget
  - get-bank-accounts
  - create-transaction
  - get-transaction
  - update-transaction
  - get-ach-settlement-report
- name: interchecks-encrypted-payloads
  file: interchecks-encrypted-payloads.md
  summary: >-
    Implement and prove Interchecks envelope encryption (AES-GCM body, RSA-OAEP SHA-256 key wrap,
    X-ENCRYPTED header) against the sandbox encryption test harness before enabling it on live
    money movement.
  operations:
  - get-access-token
  - get-encryption-public-key
  - post-payload-encryption-test-encryption
  - post-payload-encryption-test-decryption
  - post-payload-encryption-test-end-to-end
  - encryption-health-check
grounding:
  operationid_source: openapi/interchecks-payments-api-v2.json
  conventions: conventions/interchecks-conventions.yml
  errors: errors/interchecks-error-codes.yml
  decline_codes: errors/interchecks-decline-codes.yml
  webhooks: asyncapi/interchecks-webhooks.yml
  sandbox: sandbox/interchecks-sandbox.yml
  authentication: authentication/interchecks-authentication.yml