Cash Deposits

MoveUSD's Cash Deposit product enables your customers to deposit physical cash at 30,000+ retail locations across the United States, including major retailers like Walmart, 7-Eleven, Walgreens, and CVS.

How It Works

<div class="process-steps"> <div class="process-step"> <div class="step-number">1</div> <h3>Your App Creates a Deposit Request</h3> <p>Your application initiates a cash deposit request via our API, specifying the deposit amount and customer identity.</p> <div class="code-snippet"> <pre><code> POST /v1/deposit/cash { "amount": 500, "identity_id": "id_1234567890", "currency": "USD" } </code></pre> </div> </div> <div class="process-step"> <div class="step-number">2</div> <h3>Customer Receives a Barcode</h3> <p>Our API returns a barcode image that you display to the customer in your application. This barcode is valid for 24 hours.</p> <div class="code-snippet"> <pre><code> { "id": "cdp_1234567890", "amount": 500, "barcode": "data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAA...", "barcode_number": "1234567890123456", "expires_at": "2025-02-27T15:30:45Z", "status": "PENDING" } </code></pre> </div> </div> <div class="process-step"> <div class="step-number">3</div> <h3>Customer Visits a Retail Location</h3> <p>The customer presents the barcode to a cashier at any participating retail location along with their cash.</p> <div class="info-box"> <strong>Partner Retailers Include:</strong> <div class="retailer-logos"> <img src="/images/retailers/walmart.png" alt="Walmart" /> <img src="/images/retailers/7-eleven.png" alt="7-Eleven" /> <img src="/images/retailers/walgreens.png" alt="Walgreens" /> <img src="/images/retailers/cvs.png" alt="CVS" /> <img src="/images/retailers/more.png" alt="And many more" /> </div> </div> </div> <div class="process-step"> <div class="step-number">4</div> <h3>Cashier Processes the Deposit</h3> <p>The cashier scans the barcode, collects the cash, and provides a receipt to the customer.</p> </div> <div class="process-step"> <div class="step-number">5</div> <h3>Funds Are Available Instantly</h3> <p>Once the transaction is processed, we send a webhook notification and update the deposit status. Funds are immediately available in the customer's account.</p> <div class="code-snippet"> <pre><code> // Example webhook notification { "event": "deposit.completed", "data": { "id": "cdp_1234567890", "amount": 500, "status": "COMPLETED", "completed_at": "2025-02-26T16:15:22Z", "retailer": "WALMART", "location": { "address": "123 Main St", "city": "San Francisco", "state": "CA", "zip": "94105" } } } </code></pre> </div> </div> </div>

Key Features

Nationwide Availability

<div class="tabs"> <div class="tab"> <input type="radio" id="tab-locations" name="features-tabs" checked> <label for="tab-locations">Location Coverage</label> <div class="tab-content"> <p>Our network includes 30,000+ retail locations across all 50 U.S. states, making cash deposits convenient for customers across the country.</p> <div class="data-viz"> <img src="/images/products/cash-deposit-map.png" alt="Cash Deposit Location Map" /> <p class="caption">Cash deposit locations by density across the United States</p> </div> <p>Popular retailers in our network include:</p> <ul> <li>Walmart</li> <li>7-Eleven</li> <li>Walgreens</li> <li>CVS</li> <li>ACE Cash Express</li> <li>Dollar General</li> <li>Family Dollar</li> </ul> <p>Customers can use our <a href="/api-reference/deposit/cash/getv1depositcashlocation">location finder API</a> to discover nearby deposit locations.</p> </div> </div> <div class="tab"> <input type="radio" id="tab-limits" name="features-tabs"> <label for="tab-limits">Transaction Limits</label> <div class="tab-content"> <p>Our cash deposit product supports a wide range of transaction amounts to accommodate various customer needs:</p> <div class="data-table"> <table> <thead> <tr> <th>Transaction Type</th> <th>Minimum</th> <th>Maximum</th> <th>Daily Limit</th> <th>Monthly Limit</th> </tr> </thead> <tbody> <tr> <td>Standard Deposit</td> <td>$20</td> <td>$500</td> <td>$1,500</td> <td>$5,000</td> </tr> <tr> <td>Enhanced Verification</td> <td>$20</td> <td>$1,500</td> <td>$3,000</td> <td>$10,000</td> </tr> </tbody> </table> </div> <p>Limits can be customized based on your specific business requirements and compliance program. Contact our <a href="mailto:[email protected]">sales team</a> to discuss custom limit configurations.</p> </div> </div> <div class="tab"> <input type="radio" id="tab-fees" name="features-tabs"> <label for="tab-fees">Fee Structure</label> <div class="tab-content"> <p>Our cash deposit service offers transparent, competitive fees with flexible pricing options:</p> <h4>Standard Pricing</h4> <div class="data-table"> <table> <thead> <tr> <th>Deposit Amount</th> <th>Fee</th> </tr> </thead> <tbody> <tr> <td>$20 - $100</td> <td>$3.95</td> </tr> <tr> <td>$100.01 - $300</td> <td>$4.95</td> </tr> <tr> <td>$300.01 - $500</td> <td>$5.95</td> </tr> <tr> <td>$500.01 - $1,500</td> <td>$7.95</td> </tr> </tbody> </table> </div> <h4>Fee Handling Options</h4> <p>You can configure how deposit fees are handled in your integration:</p> <ul> <li><strong>Customer Pays:</strong> The fee is deducted from the deposit amount</li> <li><strong>Business Absorbs:</strong> Your business covers the fee, and the customer receives the full deposit amount</li> <li><strong>Split Fee:</strong> Custom arrangements to share fee costs</li> </ul> <p>Volume discounts are available for businesses processing high transaction volumes. <a href="mailto:[email protected]">Contact our sales team</a> to discuss custom pricing options.</p> </div> </div> <div class="tab"> <input type="radio" id="tab-notifications" name="features-tabs"> <label for="tab-notifications">Real-time Notifications</label> <div class="tab-content"> <p>Stay informed about every step of the cash deposit process with our comprehensive webhook notification system:</p> <div class="data-table"> <table> <thead> <tr> <th>Event</th> <th>Description</th> <th>Typical Timing</th> </tr> </thead> <tbody> <tr> <td><code>deposit.created</code></td> <td>A new cash deposit request has been created</td> <td>Immediate</td> </tr> <tr> <td><code>deposit.pending</code></td> <td>Barcode has been generated and is ready for use</td> <td>Within seconds of creation</td> </tr> <tr> <td><code>deposit.in_progress</code></td> <td>Barcode has been scanned at a retail location</td> <td>When customer presents barcode</td> </tr> <tr> <td><code>deposit.completed</code></td> <td>Cash has been collected and funds are available</td> <td>Within minutes of cash collection</td> </tr> <tr> <td><code>deposit.expired</code></td> <td>Deposit request has expired without completion</td> <td>24 hours after creation if unused</td> </tr> <tr> <td><code>deposit.cancelled</code></td> <td>Deposit request has been cancelled</td> <td>Immediate after cancellation</td> </tr> </tbody> </table> </div> <p>All webhook notifications include detailed information about the deposit transaction. Learn more in our <a href="/guides/integration-fundamentals/webhooks">Webhooks Guide</a>.</p> </div> </div> </div>

Getting Started

API Integration

Integrating cash deposits into your application is straightforward with our RESTful API:

1. Set up your account - Create a developer account if you haven't already. 2. Configure webhooks - Set up webhook endpoints to receive real-time notifications. 3. Implement the deposit flow - Use our Cash Deposit API to create deposits and display barcodes. 4. Test the integration - Verify your implementation in our sandbox environment before going live.
   

Code Examples

<div class="code-tabs"> <div class="code-tab"> <input type="radio" id="code-tab-js" name="code-tabs" checked> <label for="code-tab-js">JavaScript</label> <div class="code-content"> ```javascript // Creating a cash deposit request const response = await fetch('https://api.moveusd.com/v1/deposit/cash', { method: 'POST', headers: { 'Content-Type': 'application/json', 'X-API-KEY': 'your_api_key', 'X-API-SECRET': 'your_api_secret' }, body: JSON.stringify({ amount: 500, identity_id: 'id_1234567890', currency: 'USD', fee_configuration: 'CUSTOMER_PAYS' }) });

const depositRequest = await response.json();

// Display the barcode to the customer document.getElementById('barcode-container').innerHTML = ` <img src="${depositRequest.barcode}" alt="Cash Deposit Barcode"> <p>Barcode Number: ${depositRequest.barcode_number}</p> <p>Amount: $${depositRequest.amount}</p> <p>Expires: ${new Date(depositRequest.expires_at).toLocaleString()}</p> `;

// Set up webhook handler (server-side) app.post('/webhooks/cash-deposit', (req, res) => { const event = req.body; if (event.event === 'deposit.completed') { // Update customer account with the deposited funds updateCustomerBalance(event.data.identity_id, event.data.amount); // Notify customer of successful deposit sendCustomerNotification(event.data.identity_id, 'deposit_success', event.data); } res.status(200).send('Webhook received'); }); ``` </div> </div> <div class="code-tab"> <input type="radio" id="code-tab-python" name="code-tabs"> <label for="code-tab-python">Python</label> <div class="code-content"> ```python import requests

# Creating a cash deposit request response = requests.post( 'https://api.moveusd.com/v1/deposit/cash', headers={ 'Content-Type': 'application/json', 'X-API-KEY': 'your_api_key', 'X-API-SECRET': 'your_api_secret' }, json={ 'amount': 500, 'identity_id': 'id_1234567890', 'currency': 'USD', 'fee_configuration': 'CUSTOMER_PAYS' } )

deposit_request = response.json()

# Display the barcode to the customer (in a web application) barcode_html = f""" <img src="{deposit_request['barcode']}" alt="Cash Deposit Barcode"> <p>Barcode Number: {deposit_request['barcode_number']}</p> <p>Amount: ${deposit_request['amount']}</p> <p>Expires: {deposit_request['expires_at']}</p> """

# Webhook handler (using Flask) from flask import Flask, request, jsonify

app = Flask(__name__)

@app.route('/webhooks/cash-deposit', methods=['POST']) def cash_deposit_webhook(): event = request.json if event['event'] == 'deposit.completed': # Update customer account with the deposited funds update_customer_balance(event['data']['identity_id'], event['data']['amount']) # Notify customer of successful deposit send_customer_notification(event['data']['identity_id'], 'deposit_success', event['data']) return jsonify({'status': 'success'}), 200 ``` </div> </div> <div class="code-tab"> <input type="radio" id="code-tab-java" name="code-tabs"> <label for="code-tab-java">Java</label> <div class="code-content"> ```java import org.springframework.http.HttpEntity; import org.springframework.http.HttpHeaders; import org.springframework.http.MediaType; import org.springframework.web.client.RestTemplate; import java.util.HashMap; import java.util.Map;

// Creating a cash deposit request public CashDepositResponse createCashDeposit() { RestTemplate restTemplate = new RestTemplate(); HttpHeaders headers = new HttpHeaders(); headers.setContentType(MediaType.APPLICATION_JSON); headers.set("X-API-KEY", "your_api_key"); headers.set("X-API-SECRET", "your_api_secret"); Map<String, Object> requestBody = new HashMap<>(); requestBody.put("amount", 500); requestBody.put("identity_id", "id_1234567890"); requestBody.put("currency", "USD"); requestBody.put("fee_configuration", "CUSTOMER_PAYS"); HttpEntity<Map<String, Object>> entity = new HttpEntity<>(requestBody, headers); return restTemplate.postForObject( "https://api.moveusd.com/v1/deposit/cash", entity, CashDepositResponse.class ); }

// Display the barcode to the customer (in a web application) // This would typically be done in a template or frontend framework

// Webhook handler using Spring Boot @RestController public class WebhookController { @PostMapping("/webhooks/cash-deposit") public ResponseEntity<String> handleCashDepositWebhook(@RequestBody WebhookEvent event) { if ("deposit.completed".equals(event.getEvent())) { // Update customer account with the deposited funds customerService.updateBalance( event.getData().getIdentityId(), event.getData().getAmount() ); // Notify customer of successful deposit notificationService.sendCustomerNotification( event.getData().getIdentityId(), "deposit_success", event.getData() ); } return ResponseEntity.ok("Webhook received"); } } ``` </div> </div> </div>

## Best Practices

### User Experience

To create the best experience for your customers:

1. **Clear Instructions** - Provide step-by-step guidance on how to complete a cash deposit

2. **Location Finder** - Integrate our location API to help customers find nearby deposit locations

3. **Real-time Updates** - Use webhooks to keep customers informed about their deposit status

4. **Receipt Confirmation** - Encourage customers to keep their retail receipt until the deposit is confirmed

5. **Support Information** - Display clear contact information for customer support

### Security

Implement these security measures to protect your integration:

1. **Validate Webhooks** - Verify webhook signatures to ensure notifications are authentic

2. **Store Transaction IDs** - Maintain records of deposit transaction IDs for reconciliation

3. **Implement Timeouts** - Handle expired deposit requests gracefully in your UI

4. **Monitor for Fraud** - Track unusual deposit patterns that might indicate suspicious activity

5. **Secure API Keys** - Never expose your API credentials in client-side code

## Customization Options

<div class="customization-options"> <div class="customization-option"> <h3>White-labeled Experience</h3> <p>Customize the deposit experience with your branding, including barcode presentation and receipts.</p> <a href="/products/cash-deposits/white-label" class="learn-more">Learn more →</a> </div> <div class="customization-option"> <h3>Custom Fee Structures</h3> <p>Configure custom fee arrangements based on your business model and customer relationships.</p> <a href="/products/cash-deposits/fee-configuration" class="learn-more">Learn more →</a> </div> <div class="customization-option"> <h3>Advanced Limits</h3> <p>Set custom transaction limits based on customer verification level, transaction history, and risk profile.</p> <a href="/products/cash-deposits/custom-limits" class="learn-more">Learn more →</a> </div> <div class="customization-option"> <h3>Retailer Selection</h3> <p>Limit deposit options to specific retailers or regions based on your operational preferences.</p> <a href="/products/cash-deposits/retailer-configuration" class="learn-more">Learn more →</a> </div> </div>

## Use Cases

Cash deposits enable a wide range of applications across different industries:

- **Remittance Companies** - Allow customers without bank accounts to send money internationally - **Digital Banking** - Provide cash deposit options for digital-only banks - **Cryptocurrency Platforms** - Offer cash on-ramps for crypto purchasing - **Gig Economy** - Enable immediate cash payments for workers without bank accounts - **Bill Payment Services** - Facilitate cash bill payments at retail locations

## Support

Our team is ready to help you implement cash deposits in your application:

- **Technical Documentation** - Explore our [API Reference](/api-reference/deposit/cash/) - **Implementation Guide** - Follow our [step-by-step integration guide](/guides/implementation-workflows/cash-deposit-integration) - **Developer Support** - [Contact our technical team](mailto:[email protected]) with integration questions - **Custom Solutions** - [Work with our sales team](mailto:[email protected]) on custom implementations

Ready to add cash deposits to your application? [Get started today →](/guides/getting-started/account-setup)