Add Bank Account

A bank account plays an important role in transaction processing between the payer and payee. When using the registration API, you have the option to include the user’s bank account information along with their personal information. If, for some reason, the bank information was not provided during the registration API process, you can still request to add the bank account information for the person or business using this API. Additionally, if the existing bank account information for the person or business is not accessible in our system, you can add new bank account information through this API. This API includes a path parameter <user_uuid>, which refers to the unique identifier of the registered business or individual that was obtained from the registration API.

Account/Routing Validation

Our ACH API supports account and routing number validation to prevent failed transactions and fund reversals. This validation is performed by setting the validate_account_routing flag to true when adding a bank account to an existing user.

Validation Results:

valid: The account and routing number are valid, and the account is added successfully.
invalid: The account or routing number is invalid, and the account is not added to the application. This returns an HTTP response code - 406
not_validated: Validation could not be completed, but the account is still added to the application.

Billing

Our ACH API supports associating specific billable events with a particular merchant, enabling precise attribution for billing purposes. This feature allows you to link the UUID of a user tied to a merchant (a business that has undergone KYB verification) to the billing event recorded for the API call. To attribute the billing event to a merchant, include the following parameter in your request payload:

billing_merchant_user_uuid: The unique identifier (UUID) of the user associated with the merchant to whom this billable event should be attributed.

By leveraging this parameter, you can ensure accurate and detailed tracking of billable events across your integrations.

Endpoint

POST /3p/api/v1/bank-account/{user_uuid}

Request Payload

{
  "biling_merchant_user_uuid": "0bfecb72-4284-4f0d-be7d-082ae3331938",
	"custom": {
	    "account_number": "12345678901234",
	    "routing_number": "056008849",
	    "account_name": "Jack Jones",
	    "account_type": "checking", 
	    "valid_account_routing": true
	}
}

Fields	Type	Is Required	Description
plaid.access_token	string		Plaid user access token
plaid.account_id	string		Plaid user account id
custom.account_number	string		Bank account number maximum of 17 characters
custom.routing_number	string		Bank account routing number 9-digit ABA routing transit number associated with the account
custom.account_name	string		Name of account in bank
custom.account_type	string		Bank account type Possible values: savings checking
validate_account_routing	boolean	No	Perform validation on the account and routing number. If validation fails, the account will not be added.

Response Object

{
    "status": true,
    "message": "Bank account has been added.",
    "data": {
        "uuid": "9bb541c4-05bc-48f8-8bcd-fd0fe5c903d7",
        "account_number": "12345678901234",
        "routing_number": "056008849",
        "account_name": "Jack Jones",
        "account_type": "checking",
        "aggregator_type": "manual",
        "created_at": "2024-04-02 03:19:07",
        "is_default": true,
        "valid_account": "valid"
    },
    "errors": []
}

{
    "status": true,
    "message": "We found a matching bank account associated with your account.",
    "data": {
        "uuid": "9bb541c4-05bc-48f8-8bcd-fd0fe5c903d7",
        "account_number": "12345678901234",
        "routing_number": "056008849",
        "account_name": "Jack Jones",
        "account_type": "checking",
        "aggregator_type": "manual",
        "created_at": "2024-04-02 03:19:07",
        "is_default": true
    },
    "errors": []
}

Errors & Warnings

Code	Reason	Message
401
403
406	Invalid Account or Routing Number	The account or routing number provided is invalid
406	Billing Merchant User UUID invalid	The requested billing merchant user uuid does not exist.
406	Billing Merchant Deleted	The billing merchant is deleted and cannot be used for billing purposes.
422

Getting Started

Users

Transactions

Payouts

Refunds

Bank Accounts

Webhooks

Billing

Add Bank Account

Account/Routing Validation

Validation Results:

Billing

Endpoint

Request Payload

Response Object

Errors & Warnings

​Account/Routing Validation

​Validation Results:

​Billing

​Endpoint

​Request Payload

​Response Object

​Errors & Warnings

Account/Routing Validation

Validation Results:

Billing

Endpoint

Request Payload

Response Object

Errors & Warnings