Knowledge Base Overview

Cashela API – Knowledge Base

The Knowledge Base is designed to help integrators, developers, and business teams understand the foundational concepts, compliance requirements, and operational best practices when working with the Cashela API.

It consolidates technical definitions, security guidelines, and usage workflows to ensure secure, compliant, and efficient integrations.

Core Concepts

API Authentication & Credentials

Business Key and Business Secret are generated in the Cashela Business Dashboard.
All API requests require Basic Authentication using these credentials.
Enable IP whitelisting to restrict access.

Environments

Sandbox for development and testing.
Production for live transactions.
Different Base URLs for each environment.

Financial Instruments Overview

Cashela enables global deposits through a diverse array of financial instruments. Each channel has unique operational characteristics and regional advantages, ensuring your business can support the most effective payment options per market.

Bank Transfers

These are traditional deposit channels where funds are transferred directly from a customer’s bank account. Cashela supports:

ACH (Automated Clearing House) in the United States for low-cost, domestic transfers.
SEPA (Single Euro Payments Area) for euro-denominated payments within Europe.
SWIFT for international wire transfers across banks worldwide.

These methods are commonly used in B2B settings or for high-value transactions due to their reliability and auditability.

Card Payments

Cashela supports major card schemes including Visa, Mastercard, and American Express. Card payments are widely accepted and ideal for e-commerce, subscriptions, and instant deposits.

Digital Wallets

Digital wallets enable users to make payments using mobile apps or regionally popular payment rails. Cashela supports:

Pix (Brazil)
M-Pesa (East Africa)
Tigo Money, Nequi (LATAM)

These instruments are especially valuable for reaching underbanked populations and mobile-first economies.

Vouchers

Vouchers act as prepaid codes that users can purchase from retail outlets or online, and redeem digitally. Cashela integrates with:

Ualá, Western Union, Walmart, 7-Eleven

Cash Deposits

In countries where digital adoption is lower, Cashela supports physical cash deposit systems through agents or retail locations, such as:

Boleto Rápido, Oxxo (Mexico)
Bancolombia (Colombia)

Cashela dynamically exposes the appropriate methods per country and currency context during integration.

Compliance & Security

KYC/KYB Processes

Cashela enforces strict Know Your Customer (KYC) and Know Your Business (KYB) procedures before enabling production transactions. This ensures compliance with international anti-money laundering (AML) regulations and local licensing requirements.

KYC – For Individual Customers:

Full name, date of birth, and nationality.
Valid government-issued photo ID (passport, national ID, driver’s license).
Proof of address (utility bill, bank statement).
In some jurisdictions, selfie verification or biometric validation.

KYB – For Businesses:

Certificate of incorporation or business registration.
Tax Identification Number (TIN) or equivalent.
Proof of address (lease agreement, utility bill).
Identification and verification of company directors and ultimate beneficial owners (UBOs).
Bank account verification for settlement purposes.

Cashela’s compliance team reviews and approves all KYC/KYB submissions before granting production API credentials.

Transaction Monitoring

Real-Time Screening: Every transaction is screened against sanctions lists, politically exposed persons (PEP) databases, and high-risk jurisdictions.
AML Pattern Detection: Automated systems identify unusual patterns, such as rapid high-value deposits or multiple small transactions indicative of structuring.
Manual Review: Transactions flagged by the system undergo manual investigation by the compliance team.
Reporting Obligations: Suspicious transactions may be reported to relevant financial intelligence units (FIUs) as required by law.

Data Protection

PCI DSS Level 1 Compliance: Cashela adheres to the highest industry standards for payment card data security.
Encryption in Transit and at Rest: All communication occurs over HTTPS with TLS 1.2+ and sensitive data is encrypted at rest using AES-256.
No Plain Text Storage: Credentials, cardholder data, and sensitive identifiers are never stored in plain text.
Data Minimization: Only essential personal data is collected, processed, and stored.
GDPR & Data Privacy Compliance: For applicable regions, Cashela complies with GDPR and similar data protection laws.