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Add Bank Account

POST 
/payers/:payerId/banks

Adds a bank account (ACH funding source) to an existing payer, so it can be used to fund a payment via Create Payment.

The payerId path parameter is the payer's internal id — the nested payer.id returned from Create Customer / Get Customer, not the top-level payerCustomerId.

⚠️ New accounts must be verified before they can be charged. A newly created bank account has dropped: false and verified: false. Before using it in Create Payment, send two test micro-deposits with Send Micro-Deposits and confirm the amounts with Verify Bank Drops — this is a one-time check per bank account.

Include billingAddress with a postalCode at creation time — a bank account without a postal code on file will fail at payment time. Use street1 (not line1) for the address line.

⛔ Do not send externalId. Despite its name it is not a free-form reference of your own: it is reserved for the payment-method id produced by Paystand's hosted bank-connect flow. Sending any other value makes this request fail with a generic 400 (apiError, "An error occurred while creating StripeSetupIntent").

To store your own reference for the bank account, send a meta object instead. It is free-form, persisted on creation, and returned both on this response and on later reads:

{
  "accountType": "checking",
  "accountNumber": "0123456789",
  "routingNumber": "110000000",
  "accountHolderType": "company",
  "country": "USA",
  "meta": {
    "erpBankAccountId": "BANK-10482"
  }
}

Request​

Responses​

Bank account created