Overview

Highline enables payments directly from users' paychecks

Our intelligent payment network provides you with a smarter way to get paid.

Highline's pay by paycheck is:

• Easy to Embed: Designed to plug in to your existing automatic payment setup and management workflows just like any other payment method.
• Seamless: Consumers sign up within your user experience, in as little as 1 click, with no redirects or need to login to third party accounts or websites.
• Reliable: Funds for your payments are obtained before they reach consumer checking accounts.

Use this documentation for a greater understanding of how the pay by paycheck payment method works and to guide you through your implementation.

User Journey

1. Check User Eligibility

Determine if your consumers are eligible to pay through Highline before offering them pay by paycheck as a payment option. To determine a user's eligibility call our User Eligibility API endpoint.

2. Present Highline Link and Connect User

Once you've retrieved the applicant token from a match, you'll need to present them with the option to pay by paycheck. Once selected, you can prompt Highline Link and capture the user's authorization for payments and data - returning a new connection and user object.

3. Request Payments

Once the user connection has been created, you can submit a payment request to Highline. Pass the unique connection ID, along with the specified payment amount, payment start date, and payment due date via the Payment Request API endpoint.

4. Manage Payments

Highline will collect a payment from the user's next available paycheck after the start date is reached. You can monitor, update, or cancel requests for payments at any time.

5. Receive Settlements and Reconcile Payments

Highline batches and settles collected funds via same-day ACH to your designated bank account on a daily basis. Settlement reporting is available via API to reconcile payments for your specific products within a specified date range.

You have the option to utilize webhooks for notification on each individual payment. Settlement files are also available in the Highline member portal.

6. Manage Users

The employment status of a user can be confirmed at any time to determine their continued ability to make payments, as well as view their payment history and current payments in real-time. You have access to this information as long as the user's connection is active with your product.

Upon successful completion of their payments you can either covert them to some other products to continue facilitating pay by paycheck payments or offboard the user all together.