SFTP/FTPS

    sequenceDiagram

    participant M as Merchant/LMS
    participant S as SFTP/FTPS
    participant F as Flex API / CORE
    participant O as Flex OPS Team
    participant B as Bank
    
    M->>S: Send Flex Supported File
    Note over S: Files sit in batch
    O-->>F: Send request for import
    F-->>S: Gather imported files
    S->>O: Files gathered for queue
    Note over O: Files queued for transfer
    F-->>M: Imported files can be requested at anytime
    Note over M: Find out what imported.
    O->>B: Files sent to bank

RCC File Upload Instructions via SFTP/FTPS

This guide provides step-by-step instructions for merchants to securely upload Remotely Created Check (RCC) files for processing using SFTP or FTPS.

RCCs, also known as demand drafts, are check payments created by the payee without a physical signature from the payer.

Due to the sensitive nature of these transactions encrypted file transfer is required.

Supported Protocols

• SFTP (SSH File Transfer Protocol): A secure file transfer protocol that uses SSH to encrypt the connection.
• FTPS (FTP Secure): An extension of the File Transfer Protocol (FTP) that adds support for the Transport Layer Security (TLS) and the Secure Sockets Layer (SSL) cryptographic protocols.

Note

Plain FTP is not supported due to lack of encryption.

Prerequisites

Before uploading, ensure you have:

• An SFTP/FTPS client installed (e.g., FileZilla, WinSCP, or command-line tools).
• A valid username or IP address
• The hostname or IP address of the SFTP/FTPS server
• The required port:
  • SFTP: Port 22
  • FTPS: Port 21 (explicit)
  • FTPS: Port 990 (implicit)
• A valid RCC file in the Flex required format

File Structure

• Directory/

  • Directoryrcc/

    • Directoryin/

      • Directoryarchive/

        • …
    • Directorylatereturns/

      • …
    • Directoryresults/

      • …
    • Directoryreturns/

      • …
    • Directorysettlement/

      • …
  • Directoryach/

    • …

File Placement

Remember to place the files into rcc/{applicableDirectory}/.

Uploading Files via SFTP

1. Open your SFTP client.
2. Enter the following:
   • Host: sftp.provider.com
   • Port: 22
   • Username: your_username
   • Password: your_password
3. Connect to the server.
4. Navigate to the rcc/{applicableFolder} directory.
5. Drag and drop your files into the directory or use the upload function of your client.
6. Confirm file transfer completion.

Uploading Files via FTPS

1. Open your FTPS client.
2. Enter the following:
   • Host: ftps.provider.com
   • Port: 21 (explicit) or 990 (implicit)
   • Username: your_username
   • Password: your_password
3. Connect to the server.
4. Navigate to the rcc/{applicableFolder} directory.
5. Drag and drop your files into the directory or use the upload function of your client.
6. Confirm file transfer completion.

Post-Upload Verification

• After a successful upload, files are processed within standard window.
• Imported and rejected files can be viewed in a created .csv file in the rcc/results/ directory after processing.

Troubleshooting

• Can’t connect —> Verify host, port, and credentials. Check firewall settings.

• File rejected —> Ensure it meets naming conventions and format requirments.

• Transfer fails midway —> Use a stable network and resume file support if available.