Embedded Payments

Payout on behalf of an unregistered party

Some platforms, including non-banking solutions, enable businesses to make payments to their customers. These platforms serve as intermediaries, facilitating the transfer of funds between customers and businesses. You can process payouts to third-party customers on behalf of the business, even if those customers are not registered with our organization. This flexibility allows businesses to provide third-party customer details at the time of payout.

For example, a marketplace platform making a payout to a seller’s vendor on behalf of the seller. Other scenarios include a loan servicing company facilitating payments to mortgage holders or service providers, and payroll processing companies disbursing funds directly to employees or contractors on behalf of a business.

Supported payment methods

Currently, U.S. domestic payouts are supported through the following methods. Additional requirements may apply depending on the payment method selected.

ACH (Automated Clearing House)
RTP (Real-Time Payments)
Wire transfers

Note

For ACH, RTP, and wire payouts, select the debtor type as “On Behalf Of.”

Sample request:

Json

{
  "transactionReferenceId": "MuwdWHRmBS3QIsn",
  "type": "ACH",
  "amount": 0.01,
  "currency": "USD",
  "localInstrumentCode": "CCD",
  "memo": "Invoice 1234",
  "debtor": {
    "type": "ON_BEHALF_OF",
    "account": {
      "type": "REGISTERED_ACCOUNT",
      "registeredAccount": {
        "id": "e3ccad773c4e4e42bdb8effe95d47122"
      }
    },
    "partyDetails": {
      "type": "ORGANIZATION",
      "businessName": "Jane Doe",
      "address": {
        "type": "RESIDENTIAL_ADDRESS",
        "buildingNumber": "90",
        "streetName": "Bedford Street",
        "city": "Chicago",
        "country": "US",
        "postalCode": "60601"
      }
    }
  },
  "creditor": {
    "account": {
      "type": "CHECKING",
      "externalAccount": {
        "number": "93991289052",
        "currency": "USD",
        "country": "US",
        "routingInformation": [
          {
            "routingNumber": "122199983",
            "transactionType": "ACH",
            "routingCodeType": "USABA"
          }
        ]
      }
    },
    "partyDetails": {
      "type": "ORGANIZATION",
      "businessName": "CAROLYN BROWN",
      "address": {
        "type": "BUSINESS_ADDRESS",
        "streetName": "Rose Garden",
        "buildingNumber": "491",
        "city": "California",
        "countrySubDivision": "CA",
        "postalCode": "10005",
        "country": "US"
      },
      "contacts": {
        "emailAddress": "rob4568.smith@gmail.com",
        "phoneNumber": "+1-5343245789"
      }
    }
  }
}

Sample response:

Json

{
  "id": "bGIZbazECFZSsaB",
  "transactionReferenceId": "MuwdWHRmBS3QIsn",
  "requestedExecutionDate": "2025-12-31"
}