Issue a bank account

Use an issued bank account when the customer needs reusable bank details. For one-time funding instructions tied to a specific amount, use Receive funds instead.

Before you start

You need a customer ID, a ready bank capability for the intended method and currency, and a ready issued wallet owned by the same customer. Complete open work through Capabilities and tasks.

1. Create or select the settlement wallet

Create an issued wallet through Accounts and wallets, then read it again. Continue only when its current status permits settlement. Store its response-derived data.id as SETTLEMENT_WALLET_ID. Do not use an external wallet for settlement.accountId.

2. Create the issued bank account

Use POST /v3/customers/{customerId}/accounts with these headers:

X-API-Key: ${SWIPELUX_API_KEY}
Idempotency-Key: issued-bank-account-001
Content-Type: application/json

Send this request body:

{
  "origin": "issued",
  "type": "bank",
  "method": "ach",
  "country": "US",
  "currency": "USD",
  "settlement": {
    "accountId": "${SETTLEMENT_WALLET_ID}"
  },
  "label": "USD account"
}

Store the returned data.id as BANK_ACCOUNT_ID. Also retain data.status, data.openTaskIds, data.details, and the settlement relationship. The bank account ID and wallet ID have different roles. Read provisioning and bank details through the bank account ID. Use the settlement wallet ID to identify where deposits are credited.

3. Monitor provisioning

Read GET /v3/customers/{customerId}/accounts/{accountId} after creation and after each relevant webhook. Keep the customer interface pending while details is absent. If openTaskIds is not empty, complete the latest tasks and refetch the account. Do not infer readiness from elapsed time. If the latest statusReason.code is awaiting_assignment, create the first pay-in for the same customer, capability, and settlement wallet through Receive funds, then read the bank account again. Follow this branch only when the current account requests it.

4. Present bank details safely

Display only the complete details returned by the latest account read. When details.referenceRequired is true, show the exact details.reference and make it copyable. When it is false, do not invent a reference. These bank details are reusable. Do not replace them with funding coordinates from a quoted pay-in, which belong only to that transfer. Next, add Webhooks so provisioning updates reach your application without keeping the customer on a polling screen.

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Issue a bank account

Before you start

1. Create or select the settlement wallet

2. Create the issued bank account

3. Monitor provisioning

4. Present bank details safely

​Before you start

​1. Create or select the settlement wallet

​2. Create the issued bank account

​3. Monitor provisioning

​4. Present bank details safely

Before you start

1. Create or select the settlement wallet

2. Create the issued bank account

3. Monitor provisioning

4. Present bank details safely