Embedded Payments

Routable account number

A Payment Routing Number (PRN) is a secure, clearing-routable identifier that enables seamless routing of incoming payments directly to the correct account. You can provide this PRN to a counterparty, allowing them to debit or credit your account from an external account. These incoming payments are typically not initiated by the platform or client. The platform is notified when funds are credited to the account. For more information, see Receive funds from external accounts and Allow direct debit request.

Each PRN is unique to an account, to ensure accurate allocations of funds. It is a compliant identifier that meets operational and regulatory requirements in various regions and business models. Payments sent to a PRN are processed and settled in real-time or near real-time.

PRN assignment

PRNs are assigned at the time of account creation. Once assigned, the PRN is activated immediately for limited accounts, enabling same-day ACH and wire payouts instantly and enabling Real-Time Payments (RTP) payouts on the next business day. For Transaction accounts, PRN activation occurs the following day. You cannot transfer or disable a PRN except by closing the account. PRN details are available through the API and notifications.

Account Type and PRN Assignment
Account Type	PRN Assignment
LIMITED_DDA_PAYMENTS	Assigned by default. It is the platform client’s account number.
LIMITED_DDA	Not applicable. No externally addressable account number.
TRANSACTION ACCOUNT	Assigned on request.

Sample response:

Json

{
  "category": "TRANSACTION_ACCOUNT",
  "state": "OPEN",
  "parentAccountId": "388f673db5574d419637e1ca8a578ad0",
  "paymentRoutingInformation": {
    "enableAccountNumber": true
  },
  "balanceLimits": {
    "minimumBalance": "0.00",
    "maximumBalance": "7600000000.95"
  }
}

Next steps

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