Bridge a bank account

bridge.link.bank_account() -> PaykeyV1

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

account_number: str

The bank account number.

account_type: Literal["checking", "savings"]

Accepts one of the following:

"checking"

"savings"

customer_id: str

Unique identifier of the related customer object.

formatuuid

routing_number: str

The routing number of the bank account.

minLength9

maxLength9

config: Optional[Config]

processing_method: Optional[Literal["inline", "background", "skip"]]

Accepts one of the following:

"inline"

"background"

"skip"

sandbox_outcome: Optional[Literal["standard", "active", "rejected", "review"]]

Accepts one of the following:

"standard"

"active"

"rejected"

"review"

external_id: Optional[str]

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

metadata: Optional[Dict[str, str]]

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

correlation_id: Optional[str]

idempotency_key: Optional[str]

request_id: Optional[str]

straddle_account_id: Optional[str]

ReturnsExpand Collapse

class PaykeyV1: …

data: Data

id: str

Unique identifier for the paykey.

formatuuid

config: DataConfig

processing_method: Optional[Literal["inline", "background", "skip"]]

Accepts one of the following:

"inline"

"background"

"skip"

sandbox_outcome: Optional[Literal["standard", "active", "rejected", "review"]]

Accepts one of the following:

"standard"

"active"

"rejected"

"review"

created_at: datetime

Timestamp of when the paykey was created.

formatdate-time

label: str

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

paykey: str

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

source: Literal["bank_account", "straddle", "mx", 3 more]

Accepts one of the following:

"bank_account"

"straddle"

"mx"

"plaid"

"tan"

"quiltt"

status: Literal["pending", "active", "inactive", 2 more]

Accepts one of the following:

"pending"

"active"

"inactive"

"rejected"

"review"

updated_at: datetime

Timestamp of the most recent update to the paykey.

formatdate-time

balance: Optional[DataBalance]

status: Literal["pending", "completed", "failed"]

Accepts one of the following:

"pending"

"completed"

"failed"

account_balance: Optional[int]

Account Balance when last retrieved

formatint32

updated_at: Optional[datetime]

Last time account balance was updated.

formatdate-time

bank_data: Optional[DataBankData]

account_number: str

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

account_type: Literal["checking", "savings"]

Accepts one of the following:

"checking"

"savings"

routing_number: str

The routing number of the bank account.

minLength9

maxLength9

customer_id: Optional[str]

Unique identifier of the related customer object.

formatuuid

expires_at: Optional[datetime]

Expiration date and time of the paykey, if applicable.

formatdate-time

external_id: Optional[str]

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

institution_name: Optional[str]

Name of the financial institution.

metadata: Optional[Dict[str, str]]

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

status_details: Optional[DataStatusDetails]

changed_at: datetime

The time the status change occurred.

formatdate-time

message: str

A human-readable description of the current status.

reason: Literal["insufficient_funds", "closed_bank_account", "invalid_bank_account", 17 more]

Accepts one of the following:

"insufficient_funds"

"closed_bank_account"

"invalid_bank_account"

"invalid_routing"

"disputed"

"payment_stopped"

"owner_deceased"

"frozen_bank_account"

"risk_review"

"fraudulent"

"duplicate_entry"

"invalid_paykey"

"payment_blocked"

"amount_too_large"

"too_many_attempts"

"internal_system_error"

"user_request"

"ok"

"other_network_return"

"payout_refused"

source: Literal["watchtower", "bank_decline", "customer_dispute", 2 more]

Accepts one of the following:

"watchtower"

"bank_decline"

"customer_dispute"

"user_action"

"system"

code: Optional[str]

The status code if applicable.

meta: ResponseMetadata

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

api_request_id: str

Unique identifier for this API request, useful for troubleshooting.

formatuuid

api_request_timestamp: datetime

Timestamp for this API request, useful for troubleshooting.

formatdate-time

response_type: Literal["object", "array", "error", "none"]

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.

Accepts one of the following:

"object"

"array"

"error"

"none"

Bridge a bank account

from straddle import Straddle

client = Straddle(
    api_key="My API Key",
)
paykey_v1 = client.bridge.link.bank_account(
    account_number="account_number",
    account_type="checking",
    customer_id="182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e",
    routing_number="xxxxxxxxx",
)
print(paykey_v1.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"
    }
  },
  "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"
    }
  },
  "meta": {
    "api_request_id": "182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e",
    "api_request_timestamp": "2019-12-27T18:11:19.117Z"
  },
  "response_type": "object"
}