Branch Transformation API

This API allow credit unions to optimize and provide an engaging member experience while supporting the overall Credit Union strategy using ATMs/kiosks or two-way video enabled ATMs.

With this API, members will have access to enriched transaction functionalities with a self-service or assisted self-service experience. Once Members identify their credit union, their identity is authenticated. The Member may access their various account information in order to perform inquiries and any other transactions such as cash withdrawal, deposit, payments, and transfers to their selected accounts.

With this API, third-party service providers can build interfaces to the CO-OP account-based network to enable credit union members to perform standard functions without requiring a card.

The following endpoints are consumable with this API:

• /kiosk/reverse-lookup: Allows tellers to query data to retrieve up a member's account.
• /kiosk/memo: Used by the acquirer only to identify services provided to a member.
• /kiosk/deposit: Requests deposit funds to a member’s account.
• /kiosk/member-verify: Retrieves member information to authenticate the member's identity.
• /kiosk/service-list.get: Requests a complete list of financial institutions.
• /kiosk/transfer.get: Transfers funds from either a deposit or a loan account to another deposit or loan account.
• /kiosk/payments.get: Requests to make a payment to member’s account. The payment can be cash, checks (drafts), or a combination of both.
• /kiosk/purchase-withdrawal: Requests a withdrawal of funds from an account.
• /kiosk/statement-print: Retrieves list of recent transactions for provided funding account.
• /kiosk/reversal: Reverses a failed transaction. See this API's Technical Notes for more detail.
• /ping: Used to verify connectivity.

Use Case Examples:

• Retrieves account information so the member can look ahead with the financial planning.
• Perform account deposits in the form of cash, paychecks, bonus checks, pension distributions, annuity and dividend payouts, or government reimbursements (including tax refunds or stimulus checks), to ensure that the transaction is processed swiftly by their financial institution to the member's satisfaction.
• Validate a member and their financial institution prior to processing transactions at the kiosk or ATM via Member Verification and Institutions Service List APIs.
• Perform account funds transfers instantly making funds available for new or existing accounts, or overdrawn/ low-funded accounts providing overdraft protection to cover expenses or financial transactions at their credit union for the member's reassurance.
• Provide your members with the ability to manage payments from the member's eligible funding accounts at their financial institution to auto loans, mortgage loans, or credit cards accounts.
• Request account cash withdrawals convenient for cash purchases at cash-only vendors like small businesses, local exchanges or even highway toll booths.
• Perform a transaction reversal when a transaction fails after it initiates. For instance, a deposit that fails requires a withdrawal be booked to settle correctly.