Find answers to the most common questions about Devdraft’s payment platform, virtual accounts, and transaction processing.

​
Common Payment Questions

Getting Help with Payments:Reach out to Devdraft support through any of these channels:
Please avoid contacting our banking partners directly, as they are not best suited to help you with Devdraft-related questions.
Missing Funds Investigation:Contact us immediately at support@devdraft.ai and we will investigate your transaction.To help us track your transaction faster, please provide:
For ACH Payments:
  • Request a Trace ID from your bank
  • Provide the exact amount and date sent
  • Include the reference/memo used
For Wire Transfers:
  • Request an IMAD (Input Message Accountability Data) from your bank
  • Provide the wire confirmation number
  • Include recipient account details
Most missing funds are due to incorrect reference information or network selection. Double-check these details before contacting support.
Processing Times by Method:

ACH Transfers

Next-Day ACH:
  • 1-3 business days to arrive
  • Cutoff: 1:00 PM EST
Same-Day ACH:
  • Same business day arrival
  • Must be sent before 4:00 PM EST

Wire Transfers

Domestic Wires:
  • Same day processing
  • Must be received before 5:00 PM EST
  • Usually arrive within 2-4 hours

Cryptocurrency

Network Confirmations:
  • Ethereum: 12-15 minutes
  • Polygon: 2-3 minutes
  • Bitcoin: 30-60 minutes
  • Arbitrum: 1-2 minutes

SEPA Transfers

European Payments:
  • SEPA Instant: Under 30 seconds
  • SEPA Credit: 1-2 business days
  • Available 24/7/365
Transaction Limits:
USD Banking:
  • Minimum: $1.00
  • Maximum: Varies by verification level
  • Daily limits apply based on account status
EUR Banking:
  • Minimum: €1.00
  • Maximum: Varies by verification level
  • SEPA limits may apply
Higher limits are available for verified business accounts. Contact support to discuss your specific needs.
Reference Field Instructions:The memo/reference field location varies by bank:

Common Banks

Standard Field Names:
  • “Memo” or “Reference”
  • “Payment Description”
  • “Notes” or “Comments”
  • “Wire Instructions”

Specific Banks

Bank-Specific Fields:
  • JP Morgan Chase: “Message to Recipient”
  • Mercury: “Message to Recipient”
  • Bank of America: “Payment Details”
  • Wells Fargo: “Memo Line”
The memo/reference is critical for processing. If you’re unsure where to enter it, contact your bank’s support team.
Routing Number Issues:Devdraft uses Lead Bank routing numbers:
  • Virtual Accounts: 101019644
  • Memo-based Payments: 101206101
Verification Resources:If your bank still has issues:
  1. Contact your bank’s support team
  2. Inform them the routing numbers are officially listed on FRB Services
  3. Explain these support both wire and ACH payments
  4. Ask them to verify through their internal systems
Most routing number issues are resolved once banks verify through official channels.

​
Virtual Account FAQs

These questions apply to users utilizing Devdraft’s virtual banking accounts for USD and EUR deposits.
International Transfer Support:Current Capabilities:
  • ✅ ACH transfers (US domestic)
  • ✅ US domestic wire transfers
  • ✅ SEPA transfers (European)
  • ❌ SWIFT international wires (not currently supported)
For International Transfers:
  • Use SEPA for European transfers
  • Consider cryptocurrency for global transfers
  • Contact support for alternative solutions
SWIFT support may be added in future updates. Subscribe to our changelog for the latest features.
Microdeposit Verification:Notification Channels: Microdeposit amounts are sent via:
  • 📧 Email notifications
  • 📱 In-app dashboard alerts
  • 🔔 Push notifications (if enabled)
Timeline:
  • Microdeposits typically arrive within 1 business day
  • Notifications are sent immediately upon receipt
  • Check your spam folder if you don’t see the email
If You Don’t Receive Notifications:
  1. Check your notification settings in the dashboard
  2. Verify your email address is correct
  3. Contact support with your virtual account details
Plaid Verification Code:Code Location: The 3-letter verification code is included in the descriptor of the microdeposit transaction.Where to Find It:
  • Check your bank statement or transaction history
  • Look for the microdeposit transaction (usually 0.01−0.01-0.99)
  • The code appears in the transaction description/descriptor
  • Format is typically “PLDxxxx” where “xxx” is your code
Example:
Transaction: $0.32 - PLD ABC - Plaid Verification
Your code: ABC
Permitted Transaction Types:
Fully Permitted Transactions:✅ First-Party Payments
  • Transfers from your own bank accounts
  • Transfers from your fintech apps
  • Transfers from your brokerage accounts
✅ Third-Party Business Payments
  • Payments from registered businesses
  • Business-to-business transactions
  • Invoice payments from companies
✅ Family Payments
  • Transfers from family members (shared surname required)
  • Domestic family support payments
✅ Person-to-Person Payments
  • P2P payments under $4,000
  • Friend and family transfers
  • Small personal transactions

​
Technical Support

API Questions

Developer Support:
  • API documentation issues
  • Integration problems
  • Webhook troubleshooting
  • Rate limiting questions

Account Issues

Account Management:
  • KYC verification problems
  • Account limitations
  • Feature access requests
  • Security concerns

​
Emergency Contact

For urgent payment issues or security concerns, contact our 24/7 emergency support:Emergency Hotline: Available in your dashboard
Critical Issues: support@devdraft.ai (mark as URGENT)

​
Additional Resources

Documentation

Complete guides and tutorials

API Reference

Technical documentation

Status Page

System status and updates
Can’t find the answer you’re looking for? Contact our support team at support@devdraft.ai or use the live chat in your dashboard. We’re here to help!