The "Create Unverified Funding Source" endpoint allows merchants to manually add a customer's bank account using their routing and account numbers. This endpoint should only be used when sending credits (transferring funds from the merchant's bank to the customer's bank). Since the bank account will not be verified, we recommend using the Micro-Deposit Verification process if you plan to debit the customer's account in the future.
To add a funding source to a customer using Micro-Deposits, you will need to follow the steps below:
Create a Customer
Add a Funding Source - This step links a bank account to your Customer's profile. While it's authorized for direct debits, it needs verification through micro deposits. Follow the next steps.
Send Micro-Deposits to the Customer
Customer verifies by entering micro-deposit amounts which will verify the bank account for direct credits / debits
Listen for funding source webhooks
Start creating direct debits / credits / subscriptions
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.