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Payee Bank Accounts allow you to store and manage external bank accounts for the individuals or businesses a user pays.
These accounts can be selected when sending ACH payments or bank-based payouts. You can:
  • Add a bank account for a payee
  • Retrieve details of a saved payee bank account
  • List all bank accounts linked to a payee
  • Remove an account when it is no longer needed
Each bank account is tied to both a user and one of their payees, keeping records organized and easy to manage.

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Available APIs

Add Payee Bank Account

Register a new external bank account for a payee.

Get Payee Bank Account

Retrieve complete details for a specific payee bank account.

List Payee Bank Accounts

View all stored bank accounts for a payee.

Delete Payee Bank Account

Remove a bank account from a payee’s profile.

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How Payee Bank Accounts Work

Payee bank accounts are maintained separately from a user’s own bank accounts.
They are typically used when:
  • A user pays payees through ACH
  • A payee prefers receiving funds directly into their bank
  • Multiple payees require different payout destinations

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Accuracy & Confirmation

Since bank information is added directly through your application, user should confirm the account details with the payee before using it for payouts.
This ensures correctness and follows common industry practice for external recipient bank accounts. (There is no micro-deposit verification for payee bank accounts, because they are owned by the recipient—not the sender—and verification typically happens through your platform’s own onboarding or validation process.)

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Best Practices

  • Allow users to double-check routing and account numbers before saving
  • Use clear nicknames (e.g., “Business Checking – Wells Fargo”) to help identify accounts
  • Mask account numbers in your UI to protect sensitive data
  • Remove old or unused bank accounts to keep the payee’s profile clean