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Paywint Bank Accounts provide users with a verified digital bank account issued directly by Paywint.
These accounts function like standard bank accounts but operate entirely digitally.
Once opened, users can use their Paywint bank account to make payments, receive transfers, and handle various financial operations both within and outside Paywint.

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Account Types

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PAYWINT_SAVINGS

For individual users.
Requires the user to have KYC verified.

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PAYWINT_BUSINESS

For business or entity users.
Requires the user to have both KYC and KYB verified. Each account requires a unique nickname, and users may open multiple Paywint accounts within allowed limits.

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How It Works

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1. Check user eligibility

Ensure the user has completed the required verification:
  • PAYWINT_SAVINGS: KYC approval
  • PAYWINT_BUSINESS: KYC and KYB approval
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2. Open a Paywint bank account

Call Open Paywint Bank Account with the account type and a unique nickname.
The account is created instantly if the user is eligible.
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3. Use the new bank account

Once created, the user receives access to a fully functional digital bank account that can be used to:
  • Make payments within Paywint
  • Receive incoming transfers
  • Perform internal and external fund movements
  • Use the account like a normal bank account for supported external purposes
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4. View account transactions

Use List Paywint Bank Account Transactions to retrieve transaction history for the Paywint bank account.

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Transaction Sync Behavior

  • When transaction history is requested for the first time, Paywint initiates a one-time background sync to fetch the latest bank transactions.
  • This process may take up to one minute.
  • Newly synced transactions will appear in subsequent requests.

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Available APIs

Open Paywint Bank Account

Create a new Paywint digital bank account.

List Transactions

Retrieve all transactions associated with a Paywint bank account.