Lockboxes

In addition to creating Check Deposits directly via the API, lockboxes are a convenient way to deposit checks received in the mail into your Accounts.

A Lockbox Address is a physical mailing address that receives mail. Checks received at a Lockbox Address can be deposited into any of your Accounts.

To automate routing mailed checks to an Account, you can create Lockbox Recipients at a Lockbox Address. Each Lockbox Recipient is identified by a unique mail_stop_code that senders include in the mailing address. Checks addressed to a Lockbox Recipient are automatically deposited into its Account. A single Lockbox Address can have many Lockbox Recipients.

Getting started

1. Create a Lockbox Address. It is created in a pending status and transitions to active once it is ready to receive mail.
2. Optionally, create Lockbox Recipients for the Lockbox Address to route checks to specific Accounts.

Processing mail

When mail arrives at a Lockbox Address, an Inbound Mail Item is created and an inbound_mail_item.created webhook is sent.

The Inbound Mail Item’s status depends on what happens next:

• If the mail contains no checks, or if the Lockbox Address, Recipient, or Recipient’s Account is not active, the Inbound Mail Item will be rejected and contain a rejection_reason.
• If the mail is routed to a Lockbox Recipient, each check is deposited into the Lockbox Recipient’s Account and the Inbound Mail Item will be processed.
• If the mail is not routed to a Lockbox Recipient, the Inbound Mail Item will be pending. You can then action the mail item to specify which Account each check should be deposited into.