Example Requests

These are sample payloads that can be used when creating a payment order.

Initiating an ACH Credit

The following request will push $10 from the originating account to the receiving account.

{
  "type": "ach",
  "amount": 1000,
  "direction": "credit",
  "currency": "USD",
  "originating_account_id": "<Internal Account ID>",
  "receiving_account_id": "<External Account ID>"
}

Initiating an ACH Debit

The following request will pull $10 from the receiving account and place it into the originating account.

{
  "type": "ach",
  "amount": 1000,
  "direction": "debit",
  "currency": "USD",
  "originating_account_id": "<Internal Account ID>",
  "receiving_account_id": "<External Account ID>"
}

Initiating an RTP Credit

The following request will initiate an RTP payment of $50.00 from the originating internal account and send it to the receiving account.

Note

Only RTP credits are supported at this time. In order to originate an RTP payment from an internal account, you'll need a bank account at an institution that supports RTP.

{
  "type": "rtp",
  "amount": 5000,
  "direction": "credit",
  "currency": "USD",
  "originating_account_id": "<Internal Account ID>",
  "receiving_account_id": "<External Account ID>"
}

Initiating an EFT credit

The following will initiate an EFT payment of $50.00 CAD from the originating internal account and send it to the receiving account. Note that the purpose field is mandatory for all EFT payments.

{
  "type": "eft",
  "amount": 5000,
  "direction": "credit",
  "currency": "CAD",
  "purpose": "371",
  "originating_account_id": "<Internal Account ID>",
  "receiving_account_id": "<External Account ID>"
}

Initiating a book transfer

You may want to do a transfer between two bank accounts that you own. This is often called a book transfer. In this case, the receiving_account_id will be one of your internal account IDs.

{
  "type": "book",
  "amount": 1000,
  "direction": "credit",
  "currency": "USD",
  "originating_account_id": "<Internal Account #1 ID>",
  "receiving_account_id": "<Internal Account #2 ID>",
  "remittance_information": "Some helpful information to include"
}'

Initiating a check payment

{
  "type": "check",
  "amount": 1000,
  "direction": "credit",
  "currency": "USD",
  "statement_descriptor": "invoice 4",
  "originating_account_id": "<Internal Account #1 ID>",
  "receiving_account": {
    party_name: "Sesame Inc.",
    party_address: {
      line1: "1234 Ingredients Lane",
      line2: "Office 7",
      locality: "City of Industry",
      region: "CA",
      postal_code: "94714",
      country: "US"
  }
}'

Initiating a SEN (Silvergate Exchange Network) Credit

The following request will initiate a SEN payment of $50.00 from the originating internal account and send it to the receiving account.

Note

To send a SEN payment, both the originating and the receiving accounts need to be bank accounts at Silvergate bank. Only credits are supported.

{
  "type": "sen",
  "amount": 5000,
  "direction": "credit",
  "currency": "USD",
  "originating_account_id": "<Internal Silvergate Account ID>",
  "receiving_account_id": "<External Silvergate Account ID>"
}

Initiating Signet Payments

Signet Deposit

Signet deposits pull funds from the linked demand deposit account (DDA) into the Signet wallet. The receiving account must be an internal account representing the linked DDA at Signature Bank NY. Note that we debit the DDA when creating this Payment Order.

{
  "type": "signet",
  "amount": 1000,
  "direction": "debit",
  "currency": "USD",
  "originating_account_id": "<Internal Account ID>",
  "receiving_account_id": "<Internal Account ID>"
}

Signet Transfer

Signet transfers are payments between two accounts representing Signet wallets.

{
  "type": "signet",
  "amount": 1000,
  "direction": "credit",
  "currency": "USD",
  "originating_account_id": "<Internal Account ID>",
  "receiving_account_id": "<Internal or External Account ID>"
}

When providing a receiving account as part of the request body, account_number_type must be provided and set to "wallet_address".

{
  "type": "signet",
  "amount": 1000,
  "direction": "credit",
  "currency": "USD",
  "originating_account_id": "<Internal Account ID>",
  "receiving_account": {
        "party_name": "Harry Potter",
    "account_details": [
            {
                "account_number": "0x1234....",
                "account_number_type": "wallet_address"
            }
    ]
    }
}

Signet Redeem

Signet redeems transfer money from the Signet wallet into the linked DDA. The receiving account must be an internal account representing the linked DDA at Signature Bank NY. This payment is similar to a deposit, except the direction is now credit.

{
  "type": "signet",
  "amount": 1000,
  "direction": "credit",
  "currency": "USD",
  "originating_account_id": "<Internal Account ID>",
  "receiving_account_id": "<Internal Account ID>"
}

Working with Line Items

Line items allow you to save a detailed breakdown of the individual amounts contained in a Payment Order. For Example, the following $10 transfer is actually composed of 2 individual $5 payments, each with their own description and/or metadata.

{
  "type": "ach",
  "amount": 1000,
  "direction": "credit",
  "currency": "USD",
  "originating_account_id": "<Internal Account ID>",
  "receiving_account_id": "<External Account ID>",
  "line_items": [
    {
      "amount": 500,
      "description": "Payment #1",
      "metadata": {
        "Payment Type": "One time fee"
      }
    },
    {
      "amount": 500,
      "description": "Payment #2",
      "metadata": {
        "Payment Type": "Recurring Fee"
      }
    }
  ]
}

Working with Metadata

Metadata are key/value pairs that can be assigned to a Payment Order. For example, the following $10 transfer is for a specific User that we have keep track of using the "User ID" metadata key.

{
  "type": "ach",
  "amount": 1000,
  "direction": "credit",
  "currency": "USD",
  "originating_account_id": "<Internal Account ID>",
  "receiving_account_id": "<External Account ID>",
  "metadata": {
    "User ID": "123"
  }
}