> ## Documentation Index
> Fetch the complete documentation index at: https://developer.paywint.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Overview

> Add, retrieve, list, and delete bank accounts saved for a user's payees.

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.

***

## Available APIs

<CardGroup cols={3}>
  <Card title="Add Payee Bank Account" icon="plus" href="/api-reference/payees/bank-accounts/add" arrow="true">
    Register a new external bank account for a payee.
  </Card>

  <Card title="Get Payee Bank Account" icon="bank" href="/api-reference/payees/bank-accounts/get" arrow="true">
    Retrieve complete details for a specific payee bank account.
  </Card>

  <Card title="List Payee Bank Accounts" icon="list" href="/api-reference/payees/bank-accounts/list" arrow="true">
    View all stored bank accounts for a payee.
  </Card>
</CardGroup>

<CardGroup cols={3}>
  <Card title="Delete Payee Bank Account" icon="trash" href="/api-reference/payees/bank-accounts/delete" arrow="true">
    Remove a bank account from a payee’s profile.
  </Card>
</CardGroup>

***

## 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

### 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.)

***

## 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