ValidiFI

Your AI needs input!

Providing ACH data closes the feedback loop to train our Payment Behavior AI to improve your decisioning.

With your ACH data, your AI will:

Continually monitor and update trends in your portfolio vs market

Provide recommendations on new attributes and score cutoffs

Deliver rapid fraud network activity alerts

Backfill

Instantly train your AI to your payment environment by backfilling 36 months of ACH data upon onboarding. This spins up your custom AI with a general basis of knowledge specific to your ecosystem.

Closed-Loop Updates

Your AI provides Recommended Action Codes in real-time. It is strongly advised that you use our API to append your ACH data in real-real time as well. This allows your AI to generate attributes, scoring, and RA Codes from the most relevant and recent data and eliminates errors generated by stale data.

Uploading ACH Data via Flat File / Secure FTP

Transactions can be sent multiple times (usually to update return, refund, or recovery data) as long as the TransactionId remains the same for each transaction

Upload your files to our Secure FTP site

Accessible using an FTP client at: ftp.followthefrogfiles.com
Using your web browser: https://followthefrogfiles.com

Please contact us at support@RIBBIT.ai for FTP username and password

You must use a secure FTP protocol. We do not allow unsecure access via FTP

File Structure

File Name
The file must be named: ach_upload_MerchantID_yyyyMMdd

Your MerchantID can be found in your FTP setup e-mail
yyyyMMdd is the date that the file is uploaded
The file should be a pipe-delimited .txt file

File Header
The file should have a header record with the column names.
You can copy this line and add it as your header:

customerUniqueId|bvpRequestGuid|blpRequestGuid|bqRequestId|merchantId|firstName|lastName|email|phone|street|city|state|zip|businessName|businessEmail|businessPhone|businessStreet|businessCity|businessState|businessZip|routingNumber|accountNumber|transactionAmount|transactionDateTime|transactionId|transactionDescription|returnCode|returnAmount|returnDate|recoveredAmount|recoveredDate|refundAmount|refundDate

File Contents

Data must be in the order of the columns below
Data must be separated with the pipe character ( | )
Be sure to include a file header. Data on row 1 will NOT be imported
Fields marked with a red asterisk ( * ) are required

Unique Customer ID *

string

Unique Customer ID from your system

BankVERIFY+ Request / Inquiry ID

GUID

The BankVERIFY+ ID associated with this transaction
If available and when there is only one BankVERIFY+ id associated with the transaction

BankLOGIN+ Request / Inquiry ID

GUID

The BankLOGIN+ ID associated with this transaction
If available and when there is only one BankLOGIN+ id associated with the transaction

BankQUALIFY Request / Inquiry ID

GUID

The BankQUALIFY ID associated with this transaction
If available and when there is only one BankQUALIFY id associated with the transaction

Merchant ID *

integer

The RIBBIT Merchant ID associated with the portfolio

Customer First Name *

string

Customer Last Name *

string

Customer Email Address *

string

Customer Phone Number *

string

Customer Address (Street) *

string

Include Unit/Suite/Apt when available

Customer Address (City) *

string

Customer Address (State) *

string

Customer Address (Zipcode) *

string

Business Name

string