Accounts

Accounts represent businesses using Straddle through your platform. Each account must complete automated verification before processing payments. Use accounts to manage your users' payment capabilities, track verification status, and control access to features. Accounts can be instantly created in sandbox and require additional verification for production access.

Lookup an account

GET/v1/accounts/{account_id}

Update an account

PUT/v1/accounts/{account_id}

Create an account

POST/v1/accounts

List accounts

GET/v1/accounts

Onboard an account

POST/v1/accounts/{account_id}/onboard

Simulate status transitions for a sandbox account

POST/v1/accounts/{account_id}/simulate

ModelsExpand Collapse

AccountPagedV1 = object { data, meta, response_type }

data: array of object { id, access_level, organization_id, 11 more }

id: string

Unique identifier for the account.

formatuuid

access_level: "standard" or "managed"

The access level granted to the account. This is determined by your platform configuration. Use standard unless instructed otherwise by Straddle.

One of the following:

"standard"

"managed"

organization_id: string

The unique identifier of the organization this account belongs to.

formatuuid

status: "created" or "onboarding" or "active" or 2 more

The current status of the account (e.g., 'active', 'inactive', 'pending').

One of the following:

"created"

"onboarding"

"active"

"rejected"

"inactive"

status_detail: object { code, message, reason, source }

code: string

A machine-readable code for the specific status, useful for programmatic handling.

message: string

A human-readable message describing the current status.

reason: "unverified" or "in_review" or "pending" or 6 more

A machine-readable identifier for the specific status, useful for programmatic handling.

One of the following:

"unverified"

"in_review"

"pending"

"stuck"

"verified"

"failed_verification"

"disabled"

"terminated"

"new"

source: "watchtower"

Identifies the origin of the status change (e.g., bank_decline, watchtower). This helps in tracking the cause of status updates.

type: "business"

The type of account (e.g., 'individual', 'business').

business_profile: optional BusinessProfileV1 { name, website, address, 7 more }

The operating or trade name of the business.

website: string

URL of the business's primary marketing website.

formaturi

address: optional AddressV1 { city, line1, postal_code, 3 more }

The address object is optional. If provided, it must be a valid address.

city: string

City, district, suburb, town, or village.

line1: string

Primary address line (e.g., street, PO Box).

postal_code: string

Postal or ZIP code.

state: string

Two-letter state code.

country: optional string

The country of the address, in ISO 3166-1 alpha-2 format.

line2: optional string

Secondary address line (e.g., apartment, suite, unit, or building).

description: optional string

A brief description of the business and its products or services.

industry: optional IndustryV1 { category, mcc, sector }

category: optional string

The general category of the industry. Required if not providing MCC.

mcc: optional string

The Merchant Category Code (MCC) that best describes the business. Optional.

sector: optional string

The specific sector within the industry category. Required if not providing MCC.

legal_name: optional string

The official registered name of the business.

phone: optional string

The primary contact phone number for the business.

support_channels: optional SupportChannelsV1 { email, phone, url }

email: optional string

The email address for customer support inquiries.

formatemail

phone: optional string

The phone number for customer support.

url: optional string

The URL of the business's customer support page or contact form.

formaturi

tax_id: optional string

The business's tax identification number (e.g., EIN in the US).

use_case: optional string

A description of how the business intends to use Straddle's services.

capabilities: optional object { consent_types, customer_types, payment_types }

consent_types: object { internet, signed_agreement }

internet: CapabilityV1 { capability_status }

Whether the internet payment authorization capability is enabled for the account.

capability_status: "active" or "inactive"

One of the following:

"active"

"inactive"

signed_agreement: CapabilityV1 { capability_status }

Whether the signed agreement payment authorization capability is enabled for the account.

capability_status: "active" or "inactive"

One of the following:

"active"

"inactive"

customer_types: object { businesses, individuals }

businesses: CapabilityV1 { capability_status }

capability_status: "active" or "inactive"

One of the following:

"active"

"inactive"

individuals: CapabilityV1 { capability_status }

capability_status: "active" or "inactive"

One of the following:

"active"

"inactive"

payment_types: object { charges, payouts }

charges: CapabilityV1 { capability_status }

capability_status: "active" or "inactive"

One of the following:

"active"

"inactive"

payouts: CapabilityV1 { capability_status }

capability_status: "active" or "inactive"

One of the following:

"active"

"inactive"

created_at: optional string

Timestamp of when the account was created.

formatdate-time

external_id: optional string

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

metadata: optional map[string]

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

settings: optional object { charges, payouts }

charges: object { daily_amount, funding_time, linked_bank_account_id, 3 more }

daily_amount: number

The maximum dollar amount of charges in a calendar day.

formatint32

funding_time: "immediate" or "next_day" or "one_day" or 4 more

The amount of time it takes for a charge to be funded. This value is defined by Straddle.

One of the following:

"immediate"

"next_day"

"one_day"

"two_day"

"three_day"

"four_day"

"five_day"

linked_bank_account_id: string

The unique identifier of the linked bank account associated with charges. This value is defined by Straddle.

formatuuid

max_amount: number

The maximum amount of a single charge.

formatint32

monthly_amount: number

The maximum dollar amount of charges in a calendar month.

formatint32

monthly_count: number

The maximum number of charges in a calendar month.

formatint32

payouts: object { daily_amount, funding_time, linked_bank_account_id, 3 more }

daily_amount: number

The maximum dollar amount of payouts in a day.

formatint32

funding_time: "immediate" or "next_day" or "one_day" or 4 more

The amount of time it takes for a payout to be funded. This value is defined by Straddle.

One of the following:

"immediate"

"next_day"

"one_day"

"two_day"

"three_day"

"four_day"

"five_day"

linked_bank_account_id: string

The unique identifier of the linked bank account to use for payouts.

formatuuid

max_amount: number

The maximum amount of a single payout.

formatint32

monthly_amount: number

The maximum dollar amount of payouts in a month.

formatint32

monthly_count: number

The maximum number of payouts in a month.

formatint32

terms_of_service: optional TermsOfServiceV1 { accepted_date, agreement_type, agreement_url, 2 more }

accepted_date: string

The datetime of when the terms of service were accepted, in ISO 8601 format.

formatdate-time

agreement_type: "embedded" or "direct"

The type or version of the agreement accepted. Use embedded unless your platform was specifically enabled for direct agreements.

One of the following:

"embedded"

"direct"

agreement_url: string

The URL where the full text of the accepted agreement can be found.

accepted_ip: optional string

The IP address from which the terms of service were accepted.

accepted_user_agent: optional string

The user agent string of the browser or application used to accept the terms.

updated_at: optional string

Timestamp of the most recent update to the account.

formatdate-time

meta: PagedResponseMetadata { api_request_id, api_request_timestamp, max_page_size, 6 more }

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

api_request_id: string

Unique identifier for this API request, useful for troubleshooting.

formatuuid

api_request_timestamp: string

Timestamp for this API request, useful for troubleshooting.

formatdate-time

max_page_size: number

Maximum allowed page size for this endpoint.

formatint32

page_number: number

Page number for paginated results.

formatint32

page_size: number

Number of items per page in this response.

formatint32

sort_by: string

The field that the results were sorted by.

sort_order: "asc" or "desc"

One of the following:

"asc"

"desc"

total_items: number

Total number of items returned in this response.

formatint32

total_pages: number

The number of pages available.

formatint32

response_type: "object" or "array" or "error" or "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.

One of the following:

"object"

"array"

"error"

"none"

AccountV1 = object { data, meta, response_type }

data: object { id, access_level, organization_id, 11 more }

id: string

Unique identifier for the account.

formatuuid

access_level: "standard" or "managed"

The access level granted to the account. This is determined by your platform configuration. Use standard unless instructed otherwise by Straddle.

One of the following:

"standard"

"managed"

organization_id: string

The unique identifier of the organization this account belongs to.

formatuuid

status: "created" or "onboarding" or "active" or 2 more

The current status of the account (e.g., 'active', 'inactive', 'pending').

One of the following:

"created"

"onboarding"

"active"

"rejected"

"inactive"

status_detail: object { code, message, reason, source }

code: string

A machine-readable code for the specific status, useful for programmatic handling.

message: string

A human-readable message describing the current status.

reason: "unverified" or "in_review" or "pending" or 6 more

A machine-readable identifier for the specific status, useful for programmatic handling.

One of the following:

"unverified"

"in_review"

"pending"

"stuck"

"verified"

"failed_verification"

"disabled"

"terminated"

"new"

source: "watchtower"

Identifies the origin of the status change (e.g., bank_decline, watchtower). This helps in tracking the cause of status updates.

type: "business"

The type of account (e.g., 'individual', 'business').

business_profile: optional BusinessProfileV1 { name, website, address, 7 more }

The operating or trade name of the business.

website: string

URL of the business's primary marketing website.

formaturi

address: optional AddressV1 { city, line1, postal_code, 3 more }

The address object is optional. If provided, it must be a valid address.

city: string

City, district, suburb, town, or village.

line1: string

Primary address line (e.g., street, PO Box).

postal_code: string

Postal or ZIP code.

state: string

Two-letter state code.

country: optional string

The country of the address, in ISO 3166-1 alpha-2 format.

line2: optional string

Secondary address line (e.g., apartment, suite, unit, or building).

description: optional string

A brief description of the business and its products or services.

industry: optional IndustryV1 { category, mcc, sector }

category: optional string

The general category of the industry. Required if not providing MCC.

mcc: optional string

The Merchant Category Code (MCC) that best describes the business. Optional.

sector: optional string

The specific sector within the industry category. Required if not providing MCC.

legal_name: optional string

The official registered name of the business.

phone: optional string

The primary contact phone number for the business.

support_channels: optional SupportChannelsV1 { email, phone, url }

email: optional string

The email address for customer support inquiries.

formatemail

phone: optional string

The phone number for customer support.

url: optional string

The URL of the business's customer support page or contact form.

formaturi

tax_id: optional string

The business's tax identification number (e.g., EIN in the US).

use_case: optional string

A description of how the business intends to use Straddle's services.

capabilities: optional object { consent_types, customer_types, payment_types }

consent_types: object { internet, signed_agreement }

internet: CapabilityV1 { capability_status }

Whether the internet payment authorization capability is enabled for the account.

capability_status: "active" or "inactive"

One of the following:

"active"

"inactive"

signed_agreement: CapabilityV1 { capability_status }

Whether the signed agreement payment authorization capability is enabled for the account.

capability_status: "active" or "inactive"

One of the following:

"active"

"inactive"

customer_types: object { businesses, individuals }

businesses: CapabilityV1 { capability_status }

capability_status: "active" or "inactive"

One of the following:

"active"

"inactive"

individuals: CapabilityV1 { capability_status }

capability_status: "active" or "inactive"

One of the following:

"active"

"inactive"

payment_types: object { charges, payouts }

charges: CapabilityV1 { capability_status }

capability_status: "active" or "inactive"

One of the following:

"active"

"inactive"

payouts: CapabilityV1 { capability_status }

capability_status: "active" or "inactive"

One of the following:

"active"

"inactive"

created_at: optional string

Timestamp of when the account was created.

formatdate-time

external_id: optional string

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

metadata: optional map[string]

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

settings: optional object { charges, payouts }

charges: object { daily_amount, funding_time, linked_bank_account_id, 3 more }

daily_amount: number

The maximum dollar amount of charges in a calendar day.

formatint32

funding_time: "immediate" or "next_day" or "one_day" or 4 more

The amount of time it takes for a charge to be funded. This value is defined by Straddle.

One of the following:

"immediate"

"next_day"

"one_day"

"two_day"

"three_day"

"four_day"

"five_day"

linked_bank_account_id: string

The unique identifier of the linked bank account associated with charges. This value is defined by Straddle.

formatuuid

max_amount: number

The maximum amount of a single charge.

formatint32

monthly_amount: number

The maximum dollar amount of charges in a calendar month.

formatint32

monthly_count: number

The maximum number of charges in a calendar month.

formatint32

payouts: object { daily_amount, funding_time, linked_bank_account_id, 3 more }

daily_amount: number

The maximum dollar amount of payouts in a day.

formatint32

funding_time: "immediate" or "next_day" or "one_day" or 4 more

The amount of time it takes for a payout to be funded. This value is defined by Straddle.

One of the following:

"immediate"

"next_day"

"one_day"

"two_day"

"three_day"

"four_day"

"five_day"

linked_bank_account_id: string

The unique identifier of the linked bank account to use for payouts.

formatuuid

max_amount: number

The maximum amount of a single payout.

formatint32

monthly_amount: number

The maximum dollar amount of payouts in a month.

formatint32

monthly_count: number

The maximum number of payouts in a month.

formatint32

terms_of_service: optional TermsOfServiceV1 { accepted_date, agreement_type, agreement_url, 2 more }

accepted_date: string

The datetime of when the terms of service were accepted, in ISO 8601 format.

formatdate-time

agreement_type: "embedded" or "direct"

The type or version of the agreement accepted. Use embedded unless your platform was specifically enabled for direct agreements.

One of the following:

"embedded"

"direct"

agreement_url: string

The URL where the full text of the accepted agreement can be found.

accepted_ip: optional string

The IP address from which the terms of service were accepted.

accepted_user_agent: optional string

The user agent string of the browser or application used to accept the terms.

updated_at: optional string

Timestamp of the most recent update to the account.

formatdate-time

meta: ResponseMetadata { api_request_id, api_request_timestamp }

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

api_request_id: string

Unique identifier for this API request, useful for troubleshooting.

formatuuid

api_request_timestamp: string

Timestamp for this API request, useful for troubleshooting.

formatdate-time

response_type: "object" or "array" or "error" or "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.

One of the following:

"object"

"array"

"error"

"none"

AddressV1 = object { city, line1, postal_code, 3 more }

The address object is optional. If provided, it must be a valid address.

city: string

City, district, suburb, town, or village.

line1: string

Primary address line (e.g., street, PO Box).

postal_code: string

Postal or ZIP code.

state: string

Two-letter state code.

country: optional string

The country of the address, in ISO 3166-1 alpha-2 format.

line2: optional string

Secondary address line (e.g., apartment, suite, unit, or building).

BusinessProfileV1 = object { name, website, address, 7 more }

The operating or trade name of the business.

website: string

URL of the business's primary marketing website.

formaturi

address: optional AddressV1 { city, line1, postal_code, 3 more }

The address object is optional. If provided, it must be a valid address.

city: string

City, district, suburb, town, or village.

line1: string

Primary address line (e.g., street, PO Box).

postal_code: string

Postal or ZIP code.

state: string

Two-letter state code.

country: optional string

The country of the address, in ISO 3166-1 alpha-2 format.

line2: optional string

Secondary address line (e.g., apartment, suite, unit, or building).

description: optional string

A brief description of the business and its products or services.

industry: optional IndustryV1 { category, mcc, sector }

category: optional string

The general category of the industry. Required if not providing MCC.

mcc: optional string

The Merchant Category Code (MCC) that best describes the business. Optional.

sector: optional string

The specific sector within the industry category. Required if not providing MCC.

legal_name: optional string

The official registered name of the business.

phone: optional string

The primary contact phone number for the business.

support_channels: optional SupportChannelsV1 { email, phone, url }

email: optional string

The email address for customer support inquiries.

formatemail

phone: optional string

The phone number for customer support.

url: optional string

The URL of the business's customer support page or contact form.

formaturi

tax_id: optional string

The business's tax identification number (e.g., EIN in the US).

use_case: optional string

A description of how the business intends to use Straddle's services.

CapabilityV1 = object { capability_status }

capability_status: "active" or "inactive"

One of the following:

"active"

"inactive"

IndustryV1 = object { category, mcc, sector }

category: optional string

The general category of the industry. Required if not providing MCC.

mcc: optional string

The Merchant Category Code (MCC) that best describes the business. Optional.

sector: optional string

The specific sector within the industry category. Required if not providing MCC.

SupportChannelsV1 = object { email, phone, url }

email: optional string

The email address for customer support inquiries.

formatemail

phone: optional string

The phone number for customer support.

url: optional string

The URL of the business's customer support page or contact form.

formaturi

TermsOfServiceV1 = object { accepted_date, agreement_type, agreement_url, 2 more }

accepted_date: string

The datetime of when the terms of service were accepted, in ISO 8601 format.

formatdate-time

agreement_type: "embedded" or "direct"

The type or version of the agreement accepted. Use embedded unless your platform was specifically enabled for direct agreements.

One of the following:

"embedded"

"direct"

agreement_url: string

The URL where the full text of the accepted agreement can be found.

accepted_ip: optional string

The IP address from which the terms of service were accepted.

accepted_user_agent: optional string

The user agent string of the browser or application used to accept the terms.

AccountsCapability Requests

Capabilities enable specific features and services for an Account. Use capability requests to unlock higher processing limits, new payment types, or additional platform features as your users' businesses grow. Track approval status and manage documentation requirements through a single interface.

Request a capability

POST/v1/accounts/{account_id}/capability_requests

List capability requests

GET/v1/accounts/{account_id}/capability_requests

ModelsExpand Collapse

CapabilityRequestPagedV1 = object { data, meta, response_type }

data: array of object { id, account_id, category, 6 more }

id: string

Unique identifier for the capability request.

formatuuid

account_id: string

The unique identifier of the account associated with this capability request.

formatuuid

category: "payment_type" or "customer_type" or "consent_type"

The category of the requested capability. Use payment_type for charges and payouts, customer_type to define individuals or businesses, and consent_type for signed_agreement or internet payment authorization.

One of the following:

"payment_type"

"customer_type"

"consent_type"

created_at: string

Timestamp of when the capability request was created.

formatdate-time

enable: boolean

Whether this capability request is to enable or disable the capability.

status: "active" or "inactive" or "in_review" or 3 more

The current status of the capability request.

One of the following:

"active"

"inactive"

"in_review"

"rejected"

"approved"

"reviewing"

type: "charges" or "payouts" or "individuals" or 3 more

The specific type of capability being requested within the category.

One of the following:

"charges"

"payouts"

"individuals"

"businesses"

"signed_agreement"

"internet"

updated_at: string

Timestamp of the most recent update to the capability request.

formatdate-time

settings: optional map[unknown]

Any specific settings or configurations related to the requested capability.

meta: PagedResponseMetadata { api_request_id, api_request_timestamp, max_page_size, 6 more }

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

api_request_id: string

Unique identifier for this API request, useful for troubleshooting.

formatuuid

api_request_timestamp: string

Timestamp for this API request, useful for troubleshooting.

formatdate-time

max_page_size: number

Maximum allowed page size for this endpoint.

formatint32

page_number: number

Page number for paginated results.

formatint32

page_size: number

Number of items per page in this response.

formatint32

sort_by: string

The field that the results were sorted by.

sort_order: "asc" or "desc"

One of the following:

"asc"

"desc"

total_items: number

Total number of items returned in this response.

formatint32

total_pages: number

The number of pages available.

formatint32

response_type: "object" or "array" or "error" or "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.

One of the following:

"object"

"array"

"error"

"none"