Q2 BaaS Integration

Open checking and savings accounts, issue cards, ACH



Integrations > Q2 BaaS



Q2 BaaS is powered by CorePro, a light and modern core banking API offered by Q2 Banking. CorePro gives you all the functionality you need to design, launch, and support bank accounts and debit cards.

Setup

1. To get started, you'll first need to be approved by Q2 and their partner banking institutions. A Hydrogen representative will help you get pre-qualified after completing our interactive onboarding process.

2. Once approved, you can enter the user name (under ID/Key Name) and password (under Password/Key Value) into Hydrogen's Integrations Admin under the "Credentials" tab. You will also need to obtain a Product ID for your checking account and savings account (if applicable) which can be entered under the "BaaS" settings tab.

Client Creation

All clients must first be created in Hydrogen Nucleus through the POST /nucleus/v1/client service. We recommend using the Corepro onboarding mobile responsive UI that is offered by Hydrogen which will collect the data necessary in Nucleus to open the account. If you do not wish to use our UI we can send you the requirements instead. After creating the client in Nucleus, we can now do so at the vendor through the integration service below:

POST /integration/v1/baas/client


{
      nucleus_client_id: '<nucleus_client_id>', 
      electron_document_id: '[<electron_document_id]>]' 
}

KYC

The default integration will assume that you are doing your own KYC of the client before client creation at Q2. This will need to be approved by Q2 before proceeding. We currently support document image and identity verification through vendors Onfido and IDology if you do your own KYC.

Account Creation

All accounts must first be created in Hydrogen Account through the POST /nucleus/v1/account service. Under each account you will then create a Hydrogen Portfolio through the POST /nucleus/v1/portfolio service. A portfolio will hold all of the balances and transactions for the account. Corepro does not support subaccounts so you should only create one portfolio under the account. After creating the account and portfolio in Nucleus, we can now do so at the vendor through the integration service below:

POST /integration/v1/baas/account


{
      nucleus_client_id: '<nucleus_client_id>', 
      nucleus_account_id: '<nucleus_account_id>', 
      electron_document_id: '[<electron_document_id]>]' 
}

Cards

All cards must first be created in Hydrogen Nucleus through the POST /nucleus/v1/card service. Minimal details should be provided. Once the card is issued by Corepro, the integration service will update the card details including the last 4 digits of the PAN and the expiry date. We do not store full account numbers in our API.

Events

The following events will automatically be pulled by the Hydrogen integration service and stored in Nucleus for consumption:

  • Client Status
  • Account Status
  • Card Status
  • Transactions
  • Balances
ACH

Coming soon


*Q2 BaaS is a technology integration on the Hydrogen platform. There is no implied partnership or company affiliation unless otherwise stated.

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