API 0.2.103

Released into Sandbox: 11/7/2024
Released into Production: 11/18/2024

API 0.2.103 contains various bug fixes and system improvements including the below:

• New endpoints:
  • /check_bank_account_capabilities
    • Check the capabilities (eg: RTP, FedNow) of a bank account that has been linked to a Sila entity with the bank account ID (aka: payment instrument UUID).
  • /check_card_capability
    • Check the capabilities (eg: RTP, FedNow) of the account tied to a debit card by providing the 6-digit BIN.
  • /register_with_verification_data
    • For customers with special circumstances ONLY.
    • Register an end user that has passed IDV/KYC with a separate provider in order to skip Sila's KYC process for that entity and begin transacting.
  • /ach_funds_availability
    • This endpoint takes either already submitted transaction ID's or an estimated future type and ACH type to pull the expected settlement time of those funds into an end user's Sila wallet.
    • NOTE: Does NOT provide expected settlement times for funds availability in the end user's RDFI.
• Added validation that only checking accounts are linked with a Plaid or MX token in /link_account.
• New extended_status field added to /get_transactions response to show refunded status when transactions made with cards using the CKO integration are refunded.
• New route_selection_behavior option in /transact request: instant. Setting "route_selection_behavior": "instant" will try sending that transaction via different instant rail networks (eg: RTP and FedNow), and will fail if all networks are unable to send the transaction.
• error_description field added to /get_transactions response for human-readable errors.