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Getting Started as a Partner

Exact’s Implementation Team will create an account for your organization in the Sandbox environment, along with a test sub-merchant account, and a sample underwriting workflow to run your merchant applications against.

Receiving your credentials​

You will receive an email from Exact containing your organizationId, accountId, and a workflowId.

Once onboarded to the Sandbox, you will receive a second, invite email, similar to the one below:

getstarted-invite

Accepting the invitation will bring the user to the ExactPay Sandbox log-in screen where the user's credentials will be set:

getstarted-login

Authentication​

To get started with Exact's APIs, the user will first need to authenticate. It is important to note that Exact's API accepts two token types for authentication: User tokens and Application tokens.

Creating a User Token​

After setting your user password you will create a user token to authenticate with the API. Below are the default fields:

{
  "email": "[email protected]",
  "password": "yourPassword",
  "application": "admin-pwa",
  "mode": "live"
}

Upon creation you will receive a user token that expires after one-hour. The token response reflects the permissions and account access of the user that created it. It appears as follows:

{
    "isAuthenticated": true,
    "mode": "live",
    "token": "885b6b91add1c1a03ce036e8ceb24093d49999b55a5e0e41e4c9f7351fa3d038fa9b811c2a8ae7v2",
    "type": "user",
    "user": "627ec613dfb95f34e3658ve4",
    "application": "admin-pwa",
    "account": "57f424bb7e534ff71f6e5600",
    "accountType": "organization",
    "allowedPermissions": [
        "account-invites.read",
        "accounts.read",
        "organizations.read",
        "reports.read",
        "roles.read",
        "users.read"
    ],
    "allowedAccounts": [
        "57f424bb7e534ff71f6e5600"
    ],
    "apiVersion": "1.0.0",
    "expiresAt": "2023-06-01T22:59:23.030Z"
}

[Optional] Creating an Application​

Exact provides an application named admin-pwa for all its customers. This can be used to create an Application Token that does not expire. Partners or merchants who prefer to create their own Application have the ability to do so. For more information on creating an Application, please email [email protected].

Creating an Application Token​

An Application Token can be created with all of, or a subset of, the permissions of the user who creates it. For instance, an Application Token could be created solely for Payments, or Onboarding functionality, rather than having every permission that the user has. This allows for greater application security. Similar to the User Token, creating an Application Token provides an ID, a token, and a list of allowedPermissions, and allowedAccounts. The application token below has been granted the charges.create and charges.read permissions:

{
    "id": "645bf7e44bab8c7c1862d613",
    "label": "Allows Richards Test Application to make Payments",
    "type": "application",
    "token": "6b2a8g0a88d98c4f543112af6f9d7d88b8ebbae576b8c108622395d048e95fcedabd5b356820184",
    "allowedPermissions": [
       "charges.create",
       "charges.read"
    ]
    "allowedAccounts": [
        "62abab4bf85edc2248577ef1"
    ]
}

Onboarding Merchants​

There are two avenues to onboard sub-merchants: using Exact's hosted onboarding application, or integrating with the Create Onboarding and related APIs. It will not be possible to process a Payment until a merchant account has been created.

Facilitating Payments for Merchants​

Exact offers ExactJS embedded payments fields, and payments APIs to facilitate transaction processing for merchants. To learn more about how to integrate payments use the links below:

*For ACH payments, additional validation of the funding source is required before transaction processing can take place. Exact offers two mechanisms to facilitate this: instant verification via Plaid, or through microdeposits. Please reach out to one of our Implementation representatives for further information.

Reporting​

Once a merchant has been onboarded, Partners can begin viewing account level reports. As a payment is processed, and settled, additional transaction, settlement, and funding reports become available. Reporting on chargebacks is only viewable when a chargeback has been reported. Available reports can be generated both in the PayFac Dashboard and via the APIs and can be downloaded in either CSV or JSON format.

Additional Resources​

Further information on how a Partner can navigate, and integrate the PayFac service with its platform is available at the links below: