Embedded Payments

Receive funds from external account

You can receive funds from external parties to your account and your client’s account. Funds transfer from an external party's bank account to an eligible account using a Payment Routing Number (PRN). For more information, see Routable Account Numbers.

Currently funds can only be received in USD from accounts within the U.S. region and from accounts outside the U.S. via cross border wires.

A platform, client and any external party need an externally addressable account and routing number to add funds to an eligible account. You receive a notification after the transaction is processed. For more information, see Notifications.

Note

There is no platform or client-facing endpoint to initiate this transaction as this is an externally initiated transaction into the platform or platform client’s account.

Applicable account types

The table lists account types, incoming fund eligibility and accepted sources.

Applicable Account Types
Account type	Incoming funds allowed	What can it receive
TRANSACTION_ACCOUNT	Yes	Inbound payments via ACH, wire, and RTP from any third-party if active PRN is assigned.
LIMITED_DDA_PAYMENTS	Yes	Inbound payments via ACH, wire and RTP using its active PRN from sources other than the platform and the platform’s Processing Account.
PROCESSING	Yes	Inbound payments via ACH, wire and RTP from any third-party, if active PRN is assigned.
LIMITED_DDA	No	No active account number.
MANAGEMENT	Yes	Inbound payments via ACH, wire and RTP from any third-party, if active PRN is assigned.

How to get addressable account information

You can follow the following steps to get addressable account information:

Retrieve account details: Get the addressable account number for the eligible account by making a request to GET /accounts/{id}. This will provide the necessary account details, including the paymentRoutingInformation.
Locate account number: Use the accountNumber found in the paymentRoutingInformation object of the account with "category" as "LIMITED_DDA_PAYMENTS or TRANSACTION_ ACCOUNT”.
Routing numbers for fund transfers:
- ACH payments: For transferring funds via ACH payment, use the routing number 028000024.
- Wire payments: For transferring funds via wire payment, use the routing number 021000021.
- Wire and RTP payments: For transferring funds via wire and RTP, use the routing number 021000021.

Sample notification:

Json

{
  "resourceType": "TRANSACTIONS",
  "eventId": "178865",
  "eventType": "TRANSACTION_COMPLETED",
  "resource": "{\"id\":\"EWCkKiFIais7RqM\",\"clientId\":\"5005690756\",\"type\":\"ACH\",\"amount\":\"0.01\",\"currency\":\"USD\",\"status\":\"COMPLETED\",\"transactionReferenceId\":\"NzRK1jOH47wdn0Lo\",\"localInstrumentCode\":\"WEB\",\"valueDate\":\"2026-04-30\",\"requestedExecutionDate\":\"2026-04-29\",\"debtor\":{\"id\":\"1a4e52bc-02aa-4fd6-98d0-23df5f5d9842\",\"account\":{\"type\":\"NOT_APPLICABLE\",\"externalAccount\":{\"number\":\"...9052\",\"routingInformation\":[{\"transactionType\":\"ACH\"}],\"currency\":\"USD\",\"country\":\"US\"}}},\"creditor\":{\"clientId\":\"5005690756\",\"account\":{\"type\":\"REGISTERED_ACCOUNT\",\"registeredAccount\":{\"id\":\"c5b42a9923fe4fe39421e61933b60d7f\",\"number\":\"...7687\",\"ledgerBalance\":\"0.01\",\"postingVersion\":1}}}}",
  "resourceObject": {
    "id": "EWCkKiFIais7RqM",
    "clientId": "5005690756",
    "type": "ACH",
    "amount": "0.01",
    "currency": "USD",
    "status": "COMPLETED",
    "transactionReferenceId": "NzRK1jOH47wdn0Lo",
    "localInstrumentCode": "WEB",
    "valueDate": "2026-04-30",
    "requestedExecutionDate": "2026-04-29",
    "debtor": {
      "id": "1a4e52bc-02aa-4fd6-98d0-23df5f5d9842",
      "account": {
        "type": "NOT_APPLICABLE",
        "externalAccount": {
          "number": "...9052",
          "routingInformation": [
            {
              "transactionType": "ACH"
            }
          ],
          "currency": "USD",
          "country": "US"
        }
      }
    },
    "creditor": {
      "clientId": "5005690756",
      "account": {
        "type": "REGISTERED_ACCOUNT",
        "registeredAccount": {
          "id": "c5b42a9923fe4fe39421e61933b60d7f",
          "number": "...7687",
          "ledgerBalance": "0.01",
          "postingVersion": 1
        }
      }
    }
  }
}