Unverified Funding Source (Bank Routing & Account Number)

Overview

Manually add a customer’s bank account using routing and account numbers.
Only supports credits (sending funds from you to the customer); debits aren’t allowed until the account is verified.
For future debits, verify via Micro-Deposits or Plaid Instant Verification. (docs.paynote.io, docs.paynote.io)

When to Use

Credit only transactions.
You need to issue refunds, payouts or other one-way payments quickly.
You don’t yet require debit capability on that account.

Prerequisites

Customer exists in Paynote (you have their user_id).
API key with on-demand funding-source permissions.
(Optional) Webhooks set up to receive funding-source events (e.g. to track status changes). (docs.paynote.io)

Endpoint

POST https://{environment}-paynote.seamlesschex.com/v2/on-demand/funding-source

Replace {environment} with sandbox-paynote.seamlesschex.com for testing or paynote.seamlesschex.com for production. (docs.paynote.io)

Authentication

Include your secret key in the header:

Authorization: Bearer sk_{YOUR_SECRET_KEY}
Content-Type: application/json

Request Body Parameters

Field	Type	Required	Description
`user_id`	string	Yes	Paynote customer’s ID.
`routing_number`	string	Yes	9-digit bank routing number.
`account_number`	string	Yes	Customer’s bank account number.
`account_type`	string	No	`"checking"` or `"savings"`. Defaults to checking.
`nickname`	string	No	Friendly label (e.g. `"Main Checking"`).	(docs.paynote.io)

Sample Request (cURL)

curl -X POST https://sandbox-paynote.seamlesschex.com/v2/on-demand/funding-source \
  -H "Authorization: Bearer sk_test_yourkey" \
  -H "Content-Type: application/json" \
  -d '{
    "user_id": "usr_abc123",
    "routing_number": "021000021",
    "account_number": "000123456789",
    "account_type": "checking",
    "nickname": "Customer Checking"
  }'

Sample Response (200)

{
  "success": true,
  "funding_source_id": "fs_123abc",
  "status": "Unverified",
  "bank_name": "Bank of America",
  "last_four": "6789"
}

Note: status will be Unverified. To debit this account later, run Micro-Deposit or Plaid verification. (docs.paynote.io)

What’s Next?

Send credits (refunds, payouts): use Create a Direct Credit.
Verify for debits: follow the Micro-Deposit Verification flow or use Plaid Instant Verification.

All examples assume you’ve set the correct environment (sandbox or api) in the Base URL.

Unique Account Number Requirement

Each account number in the Paynote system, including the sandbox environment, must be unique and can only be associated with a single customer at a time. To reuse an account number for a different customer or merchant, you must first delete it from the existing customer's profile using the /accounts/delete endpoint.

To avoid errors like "This bank account is associated with another user", always verify the account number's availability with the /accounts endpoint before attempting to assign it to a new customer.