You can add an unverified bank account to a customer using only the routing and account number. However, this bank account can only be used for credits and direct deposits.***
Adding an Unverified Funding Source
This endpoint allows merchants to manually add a customer’s bank account using their routing and account numbers. This endpoint should only be used for sending credits (transferring funds from the merchant’s bank to the customer’s bank). Since the bank account is not verified, we recommend using the Micro-Deposit Verification process if you plan to debit the customer's account in the future.
Before using any endpoint, you need to set the environment:
Click on Environment in the Base URL and enter the appropriate option:
• api (Production) for the live environment.
• sandbox (Sandbox) for testing.