Create ACH source - Marqeta Docs

POST//

Create an ACH funding source for an existing account holder. Specify the account holder of the funding source by passing a user or business token. The response body returns details about the account, including the verification status. Possible ACH verification status values include ACH_VERIFIED, ACH_FAILED, and VERIFICATION_PENDING.

Request body

Fields	Description
account_number string Required	ACH account number. Allowable Values: 36 char max
account_type string Required	Type of account. Allowable Values: `checking`, `savings`, `corporate`, `loan`
bank_name string Optional	Name of the financial institution where the ACH account is held. Allowable Values: 255 char max
business_token string Optional	Unique identifier of the business account holder. This token is required if a `user_token` is not specified. Allowable Values: 1–36 chars
is_default_account boolean Optional	If there are multiple funding sources, this field specifies which source is used by default in funding calls. If there is only one funding source, the system ignores this field and always uses that source. Allowable Values: `true`, `false` Default value: `false`
name_on_account string Required	Name on the ACH account. Allowable Values: 1–50 chars
routing_number string Required	Routing number for the ACH account. Allowable Values: 9 digits
token string Optional	Unique identifier of the funding source. If you do not include a token, the system will generate one automatically. This token is necessary for use in other calls, so we recommend that rather than let the system generate one, you use a simple string that is easy to remember. This value cannot be updated. Allowable Values: 1–36 chars
user_token string Optional	Unique identifier of the user account holder. This token is required if a `business_token` is not specified. Allowable Values: 1–36 chars
verification_notes string Optional	Free-form text field for holding notes about verification. This field is returned only if `verification_override = true`. Allowable Values: 255 char max
verification_override boolean Optional	Allows the ACH funding source to be used, regardless of its verification status. Set this field to `true` if you can attest that you have verified the account on your own and that it will not be returned by the Federal Reserve. NOTE: When using `PLAID` to validate a funding source, this field is always set to `true`. Allowable Values: `true`, `false` Default value: `false`

Sample request body

JSON

{
  "token": "my_user_01_fundingsource_token_01",
  "user_token": "my_user_01",
  "routing_number": "121000358",
  "name_on_account": "Jane Doe",
  "is_default_account": false,
  "account_number": "987654321",
  "account_type": "savings",
  "verification_notes": "These are my verification notes.",
  "verification_override": true
}

Response body

Fields	Description
account_suffix string Returned	ACH account identifier appended to the bank account number. Allowable Values: 255 char max
account_type string Returned	Type of account. Allowable Values: `checking`, `savings`, `corporate`, `loan`
active boolean Returned	Specifies whether the account is active. Allowable Values: `true`, `false`
bank_name string Conditionally returned	Name of the bank holding the account. This field is returned if it exists in the resource. Allowable Values: 255 char max
business_token string Conditionally returned	Unique identifier of the business account holder. This token is returned if a `user_token` is not specified. Allowable Values: Existing business token
created_time datetime Returned	Date and time when the resource was created, in UTC. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
date_sent_for_verification datetime Conditionally returned	Date and time in UTC when the request for account validation was sent to the third-party partner. This field is returned if it exists in the resource. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
date_verified datetime Conditionally returned	Date and time when the account was verified, in UTC. This field is returned if it exists in the resource. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
is_default_account boolean Conditionally returned	If there are multiple funding sources, this field specifies which source is used by default in funding calls. If there is only one funding source, the system ignores this field and always uses that source. This field is returned if it exists in the resource. Allowable Values: `true`, `false`
last_modified_time datetime Returned	Date and time when the resource was last modified, in UTC. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
name_on_account string Returned	Name on the ACH account. Allowable Values: 1–50 chars
partner string Conditionally returned	Name of the partner who validated the account holder. Returned when a third-party partner was used for account validation. Allowable Values: `PLAID`
partner_account_link_reference_token string Conditionally returned	Supplied by the account validation partner, this value is a reference to the account holder’s details, such as the account number and routing number. Returned when a third-party partner was used for account validation. Allowable Values: 255 char max
token string Returned	Unique identifier of the funding source. Allowable Values: Existing funding source token
user_token string Conditionally returned	Unique identifier of the user account holder. This token is returned if a `business_token` is not specified. Allowable Values: Existing user token
verification_notes string Conditionally returned	Free-form text field for holding notes about verification. This field is returned only if `verification_override = true`. Allowable Values: 255 char max
verification_override boolean Conditionally returned	Allows the ACH funding source to be used regardless of its verification status. This field is returned if it exists in the resource. NOTE: When using `PLAID` to validate a funding source, this field is always set to `true`. Allowable Values: `true`, `false`
verification_status string Conditionally returned	Account verification status. This field is returned if it exists in the resource. Allowable Values: `ACH_FAILED`, `ACH_VERIFIED`, `VERIFICATION_PENDING`

Sample response body

JSON

{
  "token": "my_user_01_fundingsource_token_01",
  "created_time": "2023-02-26T18:46:06Z",
  "last_modified_time": "2023-03-26T12:44:02Z",
  "account_suffix": "4321",
  "verification_status": "ACH_VERIFIED",
  "account_type": "savings",
  "name_on_account": "Jane Doe",
  "active": true,
  "date_sent_for_verification": "2023-02-27T07:36:05Z",
  "user_token": "my_user_01",
  "is_default_account": false,
  "date_verified": "2023-02-27T11:03:45Z",
  "verification_override": true,
  "verification_notes": "These are my verification notes."
}