Supported Rails

The metadata endpoint returns the supported rail catalog. Availability can still depend on customer type, country, currency, verification status, and flow.

Rail Catalog

Customer Rail Requests

Customer rail verification currently accepts qualified bank-transfer rails for ach, fedwire, sepa, swift, and pix, plus base aliases for those rails.

Customer rail status rows use cfr_* IDs. These are useful for rail tracking, but they are not bank account IDs. Account and payout flows expect acc_* customer account IDs or racc_* recipient account IDs.

If an account, recipient-account, pay-in quote, or payout quote call depends on a rail that is not yet ready_to_use, the API returns 409 rail_not_ready with the acceptable requiredRails and the requestRailEndpoint to call before retrying.

Business Rail Applications

Business customers also have v2 rail-state and rail-application resources:

GET  /v2/customers/business/{customerId}/rails
GET  /v2/customers/business/{customerId}/rails/{rail}
GET  /v2/customers/business/{customerId}/rail-applications
POST /v2/customers/business/{customerId}/rail-applications
GET  /v2/customers/business/{customerId}/rail-applications/{rail}

GET /v2/customers/business/{customerId}/rails returns every exposed rail for that business. Rail discovery statuses are:

Create or advance applications with:

{
  "data": [
    { "rail": "pse" },
    { "rail": "ach_named", "banks": ["jpmorgan_chase"] }
  ]
}

The response returns successful application resources in data and item-level failures in errors:

{
  "customerId": "cus_business123",
  "data": [
    {
      "id": "cfr_application123",
      "rail": "pse",
      "status": "in_review",
      "reason": {
        "code": "under_review",
        "message": "The rail application is under review."
      },
      "requirements": [],
      "banks": [],
      "submittedAt": "2026-05-29T12:00:00.000Z",
      "updatedAt": "2026-05-29T12:00:00.000Z"
    }
  ],
  "errors": [
    {
      "rail": "sepa_named",
      "code": "rail_unavailable",
      "message": "Named SEPA accounts are not supported yet."
    }
  ]
}

Application resources use the same review vocabulary except available and unavailable, which are rail discovery states only. Responses do not expose enabled, allowed, canSubmit, or a duplicate applicationId; the application id is the cfr_* rail row.

API Reference