Verified 3rd-Party Funding Source

Endpoint

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

• {environment} = api (production) or sandbox (testing)

Prerequisites

1. Customer
   You must already have a Paynote customer. Grab their user_id via Create a Customer.
2. Approval
   Your account must be enabled for 3rd-party verification.
3. Webhook (optional)
   Set up a listener for funding-source events (Verified, etc.) to track status changes.

Request Example

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

• user_id: Paynote customer ID
• routing_number / account_number: from your verified source
• account_type: "checking" or "savings"
• nickname: optional label for internal use

Sample Response

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

Flow Summary

1. Create a Customer → get user_id.
2. POST to the 3rd-party endpoint with verified routing/account numbers.
3. Receive an immediately Verified funding source—no micro-deposits needed.
4. Process ACH debits, credits, or subscriptions right away.

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.

Need Access?

Contact Paynote support at [email protected] to enable 3rd-party funding-source creation.