Authentication

All API requests require a bearer token in the Authorization header.

Authorization: Bearer sk_live_••••••••••••••••

Virtual Accounts

POST /virtual-accounts

Create a new virtual account for an SMB entity on your platform.

{
  "platform_id": "string",
  "entity_ref": "string",
  "type": "checking | savings",
  "metadata": "object (optional)"
}

GET /virtual-accounts/:id

Retrieve a virtual account and its current balance.

GET /virtual-accounts/:id/transactions

List all transactions for a virtual account. Supports cursor-based pagination.

Payments

POST /payments

Initiate a payment from a virtual account. Supports ACH standard, ACH same-day, RTP, and FedNow.

{
  "virtual_account_id": "string",
  "amount": 42500,
  "rail": "ach_standard | ach_same_day | rtp | fednow",
  "destination": {
    "account_number": "string",
    "routing_number": "string",
    "name": "string"
  },
  "idempotency_key": "string"
}

KYB

POST /kyb

Submit a Know-Your-Business verification request for a virtual account entity.

GET /kyb/:id

Retrieve KYB status. Returns pending, approved, pending_review, or rejected.

Ledger

GET /ledger/entries

Query ledger entries for a platform or individual virtual account. Filter by date range, type, or account.

POST /ledger/entries

Create a manual journal entry. Used for adjustments, fee postings, and corrections.

Webhooks

POST /webhooks

Register a new webhook endpoint for your platform.

GET /webhooks

List all registered webhooks and their delivery status.

Error Codes

The API uses standard HTTP status codes. All error responses include a JSON body with code and message fields.

• 400 — Invalid request parameters
• 401 — Invalid or missing API key
• 404 — Resource not found
• 409 — Idempotency conflict
• 422 — KYB or compliance rejection
• 429 — Rate limit exceeded
• 500 — Internal server error

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