VIP Preferred

VIP Preferred (VIPP) is Pavilion’s guaranteed ACH program with a 7-day revolving limit that resets as payments are settled across the VIP Preferred network. Patrons can access funds up to their approved limit in single or multiple transactions within the 7-day cycle.

This product includes built-in Identity & Risk Verification during enrollment and for certain transactions.

Flow Overview

Step 1: The patron interacts with the VIP Preferred payment option. If a patron does not have a VIP account yet, they will be taken through the enrollment process. If a patron already has a VIP account, they will skip enrollment and proceed.

Step 2: The operator makes a POST request to either the Patron Session Existing or Patron Session New API.

Step 3: The Create Patron Session API creates and returns a session ID in response.

Step 4: The operator then invokes the VIP Connect Web Component with the given session ID.

Step 5: The patron is then able to make deposits, withdrawals, and manage their VIP Preferred account.

Step 6: The patron is redirected to the operator’s site.

Patron Experience

Patrons enrolled in VIP Preferred are able to perform ACH transactions to fund their account(s). The following are available in VIP Preferred web and mobile view:

• Dynamic VIP Preferred enrollment
• Accept terms and conditions, privacy, and GLBA notice
• Display available funds
• Deposit and withdraw funds to/from operator
• Add, remove and manage bank accounts
• Leverage Finicity or manually enter bank information
• Prepopulate patron-selected deposit or withdrawal amount from operator
• Operator name displayed for personalization
• Sessions ended through logout action or predefined timeouts

tip

The images in this section display the recommended half cashier view. To implement this view, see Cashier Half Page.

Deposit

When a patron wants to deposit funds to their VIP Preferred (VIPP) account, they complete a deposit transaction.

Enter amount and Select VIPP

Select Bank Account and Deposit

Success

Return to Operator App

Enter amount and Select VIPP

Select Bank Account and Deposit

Success

Return to Operator App

Enter amount and Select VIPP

Select Bank Account and Deposit

Success

Return to Operator App

Withdraw

When a patron wants to withdraw funds in their VIP Preferred account, steps for withdrawal are shown below.

Enter amount and Select VIPP

Select Bank Account and Withdraw

Success

Return to Operator App

Enter amount and Select VIPP

Select Bank Account and Withdraw

Success

Return to Operator App

Enter amount and Select VIPP

Select Bank Account and Withdraw

Success

Return to Operator App

Manage Account

Patrons can use Finicity to add up to four bank accounts on their VIP Connect account. Accounts can also be added manually. Patrons can remove bank accounts from their VIP Connect account, but they must have at least one bank account available on their account.

Select Bank

Enter Credentials

Success

Return to transaction

Start a transaction

Select Manage Funding Sources

View funding sources

Patrons can delete accounts

Patrons can add accounts

Link with Finicity

Select Bank

Enter Credentials

Success

Return to transaction

Start a transaction

Select Manage Funding Sources

View funding sources

Patrons can delete accounts

note

When using the cashier half-page view, managing and adding accounts must be done in full screen. See the integration steps in Cashier Half Page for details.

Session expiration

A session between an online operator, the patron, and VIP Preferred ends when one of the following occur:

• Patron selects “X” on the transaction successful page
• Patron selects “Continue to Operator” on the transaction successful page
• Patron refreshes web component page
• Patron selects “Close VIP Preferred” from the Navigation Menu
• Timeout duration of 10 minutes is reached

note

When a patron chooses to cancel a transaction by closing the web component, a User Exited Flow notification will be sent to the operator's Notification Callback URLs.

Legacy

Link a Bank Account with Plaid

Plaid integration has been replaced by Finicity. The following is a legacy, unsupported flow.

Integration Steps

To integrate with VIP Preferred, operators must complete the onboarding process and then invoke the web component.

Components

VIP Preferred is a combination of multiple front-end and back-end components. Certain components are owned and maintained by Pavilion, while others must be developed and maintained by operators.

Component	Type	Owner
VIP Connect API	Backend	Pavilion
VIP Connect Web Component	Frontend	Pavilion
Operator Web UI	Frontend	Operator
Operator API	Backend	Operator

IMPORTANT

Operators must call the API endpoint residing at the Create Patron Session API URL. This API call must invoke the VIP Connect API session creation endpoint and return the resulting session ID to the web component. This backend-to-backend call is required in order to secure an patron's personally identifiable information from being exposed.

Capabilities

VIP Preferred has multiple available capabilities that can enhance patron experience. These capabilities are optional and can be activated based on the operator's needs. Learn more about how to activate them below:

• One Click Funding
• Cashier Half Page

Additionally, VIP Preferred comes with Identity & Risk Verification built-in.