Create a linked bank account

embed.linked_bank_accounts.create(**kwargs) -> LinkedBankAccountV1 { data, meta, response_type }

post/v1/linked_bank_accounts

Creates a new linked bank account associated with a Straddle account. This endpoint allows you to associate external bank accounts with a Straddle account for various payment operations such as payment deposits, payout withdrawals, and more.

ParametersExpand Collapse

account_id: String

The unique identifier of the Straddle account to associate this bank account with.

formatuuid

bank_account: { account_holder, account_number, routing_number}

account_holder: String

The name of the account holder as it appears on the bank account. Typically, this is the legal name of the business associated with the account.

account_number: String

The bank account number.

routing_number: String

The routing number of the bank account.

minLength9

maxLength9

description: String

Optional description for the bank account.

metadata: Hash[Symbol, String]

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

platform_id: String

The unique identifier of the Straddle Platform to associate this bank account with.

formatuuid

purposes: Array[:charges | :payouts | :billing]

The purposes for the linked bank account.

Accepts one of the following:

:charges

:payouts

:billing

correlation_id: String

idempotency_key: String

request_id: String

ReturnsExpand Collapse

class LinkedBankAccountV1 { data, meta, response_type }

data: { id, account_id, bank_account, 8 more}

id: String

Unique identifier for the linked bank account.

formatuuid

account_id: String

The unique identifier of the Straddle account related to this bank account.

formatuuid

bank_account: { account_holder, account_mask, institution_name, routing_number}

account_holder: String

account_mask: String

institution_name: String

routing_number: String

created_at: Time

Timestamp of when the bank account object was created.

formatdate-time

purposes: Array[:charges | :payouts | :billing]

The purposes for the linked bank account.

Accepts one of the following:

:charges

:payouts

:billing

status: :created | :onboarding | :active | 3 more

The current status of the linked bank account.

Accepts one of the following:

:created

:onboarding

:active

:rejected

:inactive

:canceled

status_detail: { 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 | :in_review | :pending | 5 more

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

Accepts one of the following:

:unverified

:in_review

:pending

:stuck

:verified

:failed_verification

:disabled

:new

source: :watchtower

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

Accepts one of the following:

:watchtower

updated_at: Time

Timestamp of the most recent update to the linked bank account.

formatdate-time

description: String

Optional description for the bank account.

metadata: Hash[Symbol, String]

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

platform_id: String

The unique identifier of the Straddle Platform relatd to this bank account.

formatuuid

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: Time

Timestamp for this API request, useful for troubleshooting.

formatdate-time

response_type: :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

Create a linked bank account

require "straddle"

straddle = Straddle::Client.new(
  api_key: "My API Key",
  environment: "production" # defaults to "sandbox"
)

linked_bank_account_v1 = straddle.embed.linked_bank_accounts.create(
  account_id: "182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e",
  bank_account: {account_holder: "account_holder", account_number: "account_number", routing_number: "xxxxxxxxx"}
)

puts(linked_bank_account_v1)

{
  "data": {
    "id": "182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e",
    "account_id": "182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e",
    "bank_account": {
      "account_holder": "account_holder",
      "account_mask": "account_mask",
      "institution_name": "institution_name",
      "routing_number": "routing_number"
    },
    "created_at": "2019-12-27T18:11:19.117Z",
    "purposes": [
      "charges"
    ],
    "status": "created",
    "status_detail": {
      "code": "code",
      "message": "message",
      "reason": "unverified",
      "source": "watchtower"
    },
    "updated_at": "2019-12-27T18:11:19.117Z",
    "description": "description",
    "metadata": {
      "foo": "string"
    },
    "platform_id": "182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e"
  },
  "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",
    "account_id": "182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e",
    "bank_account": {
      "account_holder": "account_holder",
      "account_mask": "account_mask",
      "institution_name": "institution_name",
      "routing_number": "routing_number"
    },
    "created_at": "2019-12-27T18:11:19.117Z",
    "purposes": [
      "charges"
    ],
    "status": "created",
    "status_detail": {
      "code": "code",
      "message": "message",
      "reason": "unverified",
      "source": "watchtower"
    },
    "updated_at": "2019-12-27T18:11:19.117Z",
    "description": "description",
    "metadata": {
      "foo": "string"
    },
    "platform_id": "182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e"
  },
  "meta": {
    "api_request_id": "182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e",
    "api_request_timestamp": "2019-12-27T18:11:19.117Z"
  },
  "response_type": "object"
}