Bridge a bank account

client.Bridge.Link.BankAccount(ctx, params) (*PaykeyV1, error)

POST/v1/bridge/bank_account

Use Bridge to create a new paykey using a bank routing and account number as the source. This endpoint allows you to create a secure payment token linked to a specific bank account.

ParametersExpand Collapse

params BridgeLinkBankAccountParams

AccountNumber param.Field[string]

Body param: The bank account number.

AccountType param.Field[BridgeLinkBankAccountParamsAccountType]

Body param

const BridgeLinkBankAccountParamsAccountTypeChecking BridgeLinkBankAccountParamsAccountType = "checking"

const BridgeLinkBankAccountParamsAccountTypeSavings BridgeLinkBankAccountParamsAccountType = "savings"

CustomerID param.Field[string]

Body param: Unique identifier of the related customer object.

formatuuid

RoutingNumber param.Field[string]

Body param: The routing number of the bank account.

minLength9

maxLength9

Config param.Field[BridgeLinkBankAccountParamsConfig]optional

Body param

ProcessingMethod stringoptional

One of the following:

const BridgeLinkBankAccountParamsConfigProcessingMethodInline BridgeLinkBankAccountParamsConfigProcessingMethod = "inline"

const BridgeLinkBankAccountParamsConfigProcessingMethodBackground BridgeLinkBankAccountParamsConfigProcessingMethod = "background"

const BridgeLinkBankAccountParamsConfigProcessingMethodSkip BridgeLinkBankAccountParamsConfigProcessingMethod = "skip"

SandboxOutcome stringoptional

One of the following:

const BridgeLinkBankAccountParamsConfigSandboxOutcomeStandard BridgeLinkBankAccountParamsConfigSandboxOutcome = "standard"

const BridgeLinkBankAccountParamsConfigSandboxOutcomeActive BridgeLinkBankAccountParamsConfigSandboxOutcome = "active"

const BridgeLinkBankAccountParamsConfigSandboxOutcomeRejected BridgeLinkBankAccountParamsConfigSandboxOutcome = "rejected"

const BridgeLinkBankAccountParamsConfigSandboxOutcomeReview BridgeLinkBankAccountParamsConfigSandboxOutcome = "review"

ExternalID param.Field[string]optional

Body param: Unique identifier for the paykey in your database, used for cross-referencing between Straddle and your systems.

Metadata param.Field[map[string, string]]optional

Body param: Up to 20 additional user-defined key-value pairs. Useful for storing additional information about the paykey in a structured format.

CorrelationID param.Field[string]optional

Header param: Optional client generated identifier to trace and debug a series of requests.

IdempotencyKey param.Field[string]optional

Header param: Optional client generated value to use for idempotent requests.

maxLength40

minLength10

RequestID param.Field[string]optional

Header param: Optional client generated identifier to trace and debug a request.

StraddleAccountID param.Field[string]optional

Header param: For use by platforms to specify an account id and set scope of a request.

formatuuid

ReturnsExpand Collapse

type PaykeyV1 struct{…}

Data PaykeyV1Data

ID string

Unique identifier for the paykey.

formatuuid

Config PaykeyV1DataConfig

ProcessingMethod stringoptional

One of the following:

const PaykeyV1DataConfigProcessingMethodInline PaykeyV1DataConfigProcessingMethod = "inline"

const PaykeyV1DataConfigProcessingMethodBackground PaykeyV1DataConfigProcessingMethod = "background"

const PaykeyV1DataConfigProcessingMethodSkip PaykeyV1DataConfigProcessingMethod = "skip"

SandboxOutcome stringoptional

One of the following:

const PaykeyV1DataConfigSandboxOutcomeStandard PaykeyV1DataConfigSandboxOutcome = "standard"

const PaykeyV1DataConfigSandboxOutcomeActive PaykeyV1DataConfigSandboxOutcome = "active"

const PaykeyV1DataConfigSandboxOutcomeRejected PaykeyV1DataConfigSandboxOutcome = "rejected"

const PaykeyV1DataConfigSandboxOutcomeReview PaykeyV1DataConfigSandboxOutcome = "review"

CreatedAt Time

Timestamp of when the paykey was created.

formatdate-time

Label string

Human-readable label used to represent this paykey in a UI.

Paykey string

The tokenized paykey value. This value is used to create payments and should be stored securely.

Source string

One of the following:

const PaykeyV1DataSourceBankAccount PaykeyV1DataSource = "bank_account"

const PaykeyV1DataSourceStraddle PaykeyV1DataSource = "straddle"

const PaykeyV1DataSourceMx PaykeyV1DataSource = "mx"

const PaykeyV1DataSourcePlaid PaykeyV1DataSource = "plaid"

const PaykeyV1DataSourceTan PaykeyV1DataSource = "tan"

const PaykeyV1DataSourceQuiltt PaykeyV1DataSource = "quiltt"

Status string

One of the following:

const PaykeyV1DataStatusPending PaykeyV1DataStatus = "pending"

const PaykeyV1DataStatusActive PaykeyV1DataStatus = "active"

const PaykeyV1DataStatusInactive PaykeyV1DataStatus = "inactive"

const PaykeyV1DataStatusRejected PaykeyV1DataStatus = "rejected"

const PaykeyV1DataStatusReview PaykeyV1DataStatus = "review"

const PaykeyV1DataStatusBlocked PaykeyV1DataStatus = "blocked"

UpdatedAt Time

Timestamp of the most recent update to the paykey.

formatdate-time

Balance PaykeyV1DataBalanceoptional

Status string

One of the following:

const PaykeyV1DataBalanceStatusPending PaykeyV1DataBalanceStatus = "pending"

const PaykeyV1DataBalanceStatusCompleted PaykeyV1DataBalanceStatus = "completed"

const PaykeyV1DataBalanceStatusFailed PaykeyV1DataBalanceStatus = "failed"

AccountBalance int64optional

Account Balance when last retrieved

formatint32

UpdatedAt Timeoptional

Last time account balance was updated.

formatdate-time

BankData PaykeyV1DataBankDataoptional

AccountNumber string

Bank account number. This value is masked by default for security reasons. Use the /unmask endpoint to access the unmasked value.

AccountType string

One of the following:

const PaykeyV1DataBankDataAccountTypeChecking PaykeyV1DataBankDataAccountType = "checking"

const PaykeyV1DataBankDataAccountTypeSavings PaykeyV1DataBankDataAccountType = "savings"

RoutingNumber string

The routing number of the bank account.

minLength9

maxLength9

CustomerID stringoptional

Unique identifier of the related customer object.

formatuuid

ExpiresAt Timeoptional

Expiration date and time of the paykey, if applicable.

formatdate-time

ExternalID stringoptional

Unique identifier for the paykey in your database, used for cross-referencing between Straddle and your systems.

InstitutionName stringoptional

Name of the financial institution.

Metadata map[string, string]optional

Up to 20 additional user-defined key-value pairs. Useful for storing additional information about the paykey in a structured format.

StatusDetails PaykeyV1DataStatusDetailsoptional

ChangedAt Time

The time the status change occurred.

formatdate-time

Message string

A human-readable description of the current status.

Reason string

One of the following:

const PaykeyV1DataStatusDetailsReasonInsufficientFunds PaykeyV1DataStatusDetailsReason = "insufficient_funds"

const PaykeyV1DataStatusDetailsReasonClosedBankAccount PaykeyV1DataStatusDetailsReason = "closed_bank_account"

const PaykeyV1DataStatusDetailsReasonInvalidBankAccount PaykeyV1DataStatusDetailsReason = "invalid_bank_account"

const PaykeyV1DataStatusDetailsReasonInvalidRouting PaykeyV1DataStatusDetailsReason = "invalid_routing"

const PaykeyV1DataStatusDetailsReasonDisputed PaykeyV1DataStatusDetailsReason = "disputed"

const PaykeyV1DataStatusDetailsReasonPaymentStopped PaykeyV1DataStatusDetailsReason = "payment_stopped"

const PaykeyV1DataStatusDetailsReasonOwnerDeceased PaykeyV1DataStatusDetailsReason = "owner_deceased"

const PaykeyV1DataStatusDetailsReasonFrozenBankAccount PaykeyV1DataStatusDetailsReason = "frozen_bank_account"

const PaykeyV1DataStatusDetailsReasonRiskReview PaykeyV1DataStatusDetailsReason = "risk_review"

const PaykeyV1DataStatusDetailsReasonFraudulent PaykeyV1DataStatusDetailsReason = "fraudulent"

const PaykeyV1DataStatusDetailsReasonDuplicateEntry PaykeyV1DataStatusDetailsReason = "duplicate_entry"

const PaykeyV1DataStatusDetailsReasonInvalidPaykey PaykeyV1DataStatusDetailsReason = "invalid_paykey"

const PaykeyV1DataStatusDetailsReasonPaymentBlocked PaykeyV1DataStatusDetailsReason = "payment_blocked"

const PaykeyV1DataStatusDetailsReasonAmountTooLarge PaykeyV1DataStatusDetailsReason = "amount_too_large"

const PaykeyV1DataStatusDetailsReasonTooManyAttempts PaykeyV1DataStatusDetailsReason = "too_many_attempts"

const PaykeyV1DataStatusDetailsReasonInternalSystemError PaykeyV1DataStatusDetailsReason = "internal_system_error"

const PaykeyV1DataStatusDetailsReasonUserRequest PaykeyV1DataStatusDetailsReason = "user_request"

const PaykeyV1DataStatusDetailsReasonOk PaykeyV1DataStatusDetailsReason = "ok"

const PaykeyV1DataStatusDetailsReasonOtherNetworkReturn PaykeyV1DataStatusDetailsReason = "other_network_return"

const PaykeyV1DataStatusDetailsReasonPayoutRefused PaykeyV1DataStatusDetailsReason = "payout_refused"

const PaykeyV1DataStatusDetailsReasonCancelRequest PaykeyV1DataStatusDetailsReason = "cancel_request"

const PaykeyV1DataStatusDetailsReasonFailedVerification PaykeyV1DataStatusDetailsReason = "failed_verification"

const PaykeyV1DataStatusDetailsReasonRequireReview PaykeyV1DataStatusDetailsReason = "require_review"

const PaykeyV1DataStatusDetailsReasonBlockedBySystem PaykeyV1DataStatusDetailsReason = "blocked_by_system"

const PaykeyV1DataStatusDetailsReasonWatchtowerReview PaykeyV1DataStatusDetailsReason = "watchtower_review"

const PaykeyV1DataStatusDetailsReasonValidating PaykeyV1DataStatusDetailsReason = "validating"

const PaykeyV1DataStatusDetailsReasonAutoHold PaykeyV1DataStatusDetailsReason = "auto_hold"

Source string

One of the following:

const PaykeyV1DataStatusDetailsSourceWatchtower PaykeyV1DataStatusDetailsSource = "watchtower"

const PaykeyV1DataStatusDetailsSourceBankDecline PaykeyV1DataStatusDetailsSource = "bank_decline"

const PaykeyV1DataStatusDetailsSourceCustomerDispute PaykeyV1DataStatusDetailsSource = "customer_dispute"

const PaykeyV1DataStatusDetailsSourceUserAction PaykeyV1DataStatusDetailsSource = "user_action"

const PaykeyV1DataStatusDetailsSourceSystem PaykeyV1DataStatusDetailsSource = "system"

Code stringoptional

The status code if applicable.

UnblockEligible booloptional

Indicates whether this paykey is eligible for client-initiated unblocking. Only present for blocked paykeys. True when blocked due to R29 returns and not previously unblocked, false otherwise. Null when paykey is not blocked.

Meta ResponseMetadata

Metadata about the API request, including an identifier and timestamp.

APIRequestID string

Unique identifier for this API request, useful for troubleshooting.

formatuuid

APIRequestTimestamp Time

Timestamp for this API request, useful for troubleshooting.

formatdate-time

ResponseType PaykeyV1ResponseType

Indicates the structure of the returned content.

"object" means the data field contains a single JSON object.
"array" means the data field contains an array of objects.
"error" means the data field contains an error object with details of the issue.
"none" means no data is returned.

One of the following:

const PaykeyV1ResponseTypeObject PaykeyV1ResponseType = "object"

const PaykeyV1ResponseTypeArray PaykeyV1ResponseType = "array"

const PaykeyV1ResponseTypeError PaykeyV1ResponseType = "error"

const PaykeyV1ResponseTypeNone PaykeyV1ResponseType = "none"

Bridge a bank account

package main

import (
  "context"
  "fmt"

  "github.com/straddleio/straddle-go"
  "github.com/straddleio/straddle-go/option"
)

func main() {
  client := straddle.NewClient(
    option.WithAPIKey("My API Key"),
  )
  paykeyV1, err := client.Bridge.Link.BankAccount(context.TODO(), straddle.BridgeLinkBankAccountParams{
    AccountNumber: "account_number",
    AccountType: straddle.BridgeLinkBankAccountParamsAccountTypeChecking,
    CustomerID: "182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e",
    RoutingNumber: "xxxxxxxxx",
  })
  if err != nil {
    panic(err.Error())
  }
  fmt.Printf("%+v\n", paykeyV1.Data)
}

{
  "data": {
    "id": "182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e",
    "config": {
      "processing_method": "inline",
      "sandbox_outcome": "standard"
    },
    "created_at": "2019-12-27T18:11:19.117Z",
    "label": "label",
    "paykey": "paykey",
    "source": "bank_account",
    "status": "pending",
    "updated_at": "2019-12-27T18:11:19.117Z",
    "balance": {
      "status": "pending",
      "account_balance": 0,
      "updated_at": "2019-12-27T18:11:19.117Z"
    },
    "bank_data": {
      "account_number": "****1234",
      "account_type": "checking",
      "routing_number": "021000021"
    },
    "customer_id": "182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e",
    "expires_at": "2019-12-27T18:11:19.117Z",
    "external_id": "external_id",
    "institution_name": "Bank of America",
    "metadata": {
      "foo": "string"
    },
    "status_details": {
      "changed_at": "2019-12-27T18:11:19.117Z",
      "message": "Bank account sucesfully validated",
      "reason": "insufficient_funds",
      "source": "watchtower",
      "code": "code"
    },
    "unblock_eligible": true
  },
  "meta": {
    "api_request_id": "182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e",
    "api_request_timestamp": "2019-12-27T18:11:19.117Z"
  },
  "response_type": "object"
}

Returns Examples

{
  "data": {
    "id": "182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e",
    "config": {
      "processing_method": "inline",
      "sandbox_outcome": "standard"
    },
    "created_at": "2019-12-27T18:11:19.117Z",
    "label": "label",
    "paykey": "paykey",
    "source": "bank_account",
    "status": "pending",
    "updated_at": "2019-12-27T18:11:19.117Z",
    "balance": {
      "status": "pending",
      "account_balance": 0,
      "updated_at": "2019-12-27T18:11:19.117Z"
    },
    "bank_data": {
      "account_number": "****1234",
      "account_type": "checking",
      "routing_number": "021000021"
    },
    "customer_id": "182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e",
    "expires_at": "2019-12-27T18:11:19.117Z",
    "external_id": "external_id",
    "institution_name": "Bank of America",
    "metadata": {
      "foo": "string"
    },
    "status_details": {
      "changed_at": "2019-12-27T18:11:19.117Z",
      "message": "Bank account sucesfully validated",
      "reason": "insufficient_funds",
      "source": "watchtower",
      "code": "code"
    },
    "unblock_eligible": true
  },
  "meta": {
    "api_request_id": "182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e",
    "api_request_timestamp": "2019-12-27T18:11:19.117Z"
  },
  "response_type": "object"
}