Resources
FAQs
Common questions and answers about using Devdraft’s payment platform
Find answers to the most common questions about Devdraft’s payment platform, virtual accounts, and transaction processing.
Common Payment Questions
I have a question about a payment. How can I contact support?
I have a question about a payment. How can I contact support?
Getting Help with Payments:Reach out to Devdraft support through any of these channels:
- Email: support@devdraft.ai
- Live Chat: Available in your dashboard
- Help Center: help.devdraft.ai
- Community Forum: forum.devdraft.ai
Please avoid contacting our banking partners directly, as they are not best suited to help you with Devdraft-related questions.
My funds are missing or have not landed in my account.
My funds are missing or have not landed in my account.
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
- 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.
When will the funds land in my account?
When will the funds land in my account?
Processing Times by Method:
ACH Transfers
Next-Day ACH:
- 1-3 business days to arrive
- Cutoff: 1:00 PM EST
- 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
What are the minimum and maximum amounts I can send or receive?
What are the minimum and maximum amounts I can send or receive?
Transaction Limits:
USD Banking:
- Minimum: $1.00
- Maximum: Varies by verification level
- Daily limits apply based on account status
- 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.
Where do I input the memo when making a payment?
Where do I input the memo when making a payment?
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.
My bank doesn't recognize the routing number. What should I do?
My bank doesn't recognize the routing number. What should I do?
Routing Number Issues:Devdraft uses Lead Bank routing numbers:
- Virtual Accounts: 101019644
- Memo-based Payments: 101206101
- FRB Services Website - Official Federal Reserve listing
- ABA Routing Number Lookup - American Bankers Association tool
- Contact your bank’s support team
- Inform them the routing numbers are officially listed on FRB Services
- Explain these support both wire and ACH payments
- 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.
Does Devdraft provide SWIFT codes or account numbers to customers?
Does Devdraft provide SWIFT codes or account numbers to customers?
International Transfer Support:Current Capabilities:
- ✅ ACH transfers (US domestic)
- ✅ US domestic wire transfers
- ✅ SEPA transfers (European)
- ❌ SWIFT international wires (not currently supported)
- 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.
My bank made a microdeposit to my virtual account. How do I get the amounts?
My bank made a microdeposit to my virtual account. How do I get the amounts?
Microdeposit Verification:Notification Channels:
Microdeposit amounts are sent via:
- 📧 Email notifications
- 📱 In-app dashboard alerts
- 🔔 Push notifications (if enabled)
- Microdeposits typically arrive within 1 business day
- Notifications are sent immediately upon receipt
- Check your spam folder if you don’t see the email
- Check your notification settings in the dashboard
- Verify your email address is correct
- Contact support with your virtual account details
I'm being asked for a 3-letter code by Plaid. Where can I find this code?
I'm being asked for a 3-letter code by Plaid. Where can I find this code?
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 0.99)
- The code appears in the transaction description/descriptor
- Format is typically “PLDxxxx” where “xxx” is your code
What types of transactions can I receive in my virtual account?
What types of transactions can I receive in my virtual account?
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
- Payments from registered businesses
- Business-to-business transactions
- Invoice payments from companies
- Transfers from family members (shared surname required)
- Domestic family support 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)
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!