Register a payout bank account
curl --request POST \
--url https://api.venlyfinance.com/v1/parties/{partyId}/payout-bank-accounts \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data @- <<EOF
{
"rail": "US_ACH",
"fiatCurrency": "USD",
"label": "Jane's checking account",
"accountHolderName": "Jane Doe",
"railDetails": {
"accountNumber": "123456789012",
"abaRoutingNumber": "021000021",
"accountType": "CHECKING"
},
"bankName": "Example National Bank",
"bankAddress": {
"street1": "270 Park Avenue",
"city": "New York",
"region": "NY",
"postalCode": "10017",
"country": "US"
}
}
EOFimport requests
url = "https://api.venlyfinance.com/v1/parties/{partyId}/payout-bank-accounts"
payload = {
"rail": "US_ACH",
"fiatCurrency": "USD",
"label": "Jane's checking account",
"accountHolderName": "Jane Doe",
"railDetails": {
"accountNumber": "123456789012",
"abaRoutingNumber": "021000021",
"accountType": "CHECKING"
},
"bankName": "Example National Bank",
"bankAddress": {
"street1": "270 Park Avenue",
"city": "New York",
"region": "NY",
"postalCode": "10017",
"country": "US"
}
}
headers = {
"Authorization": "Bearer <token>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
body: JSON.stringify({
rail: 'US_ACH',
fiatCurrency: 'USD',
label: 'Jane\'s checking account',
accountHolderName: 'Jane Doe',
railDetails: {
accountNumber: '123456789012',
abaRoutingNumber: '021000021',
accountType: 'CHECKING'
},
bankName: 'Example National Bank',
bankAddress: {
street1: '270 Park Avenue',
city: 'New York',
region: 'NY',
postalCode: '10017',
country: 'US'
}
})
};
fetch('https://api.venlyfinance.com/v1/parties/{partyId}/payout-bank-accounts', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.venlyfinance.com/v1/parties/{partyId}/payout-bank-accounts",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'rail' => 'US_ACH',
'fiatCurrency' => 'USD',
'label' => 'Jane\'s checking account',
'accountHolderName' => 'Jane Doe',
'railDetails' => [
'accountNumber' => '123456789012',
'abaRoutingNumber' => '021000021',
'accountType' => 'CHECKING'
],
'bankName' => 'Example National Bank',
'bankAddress' => [
'street1' => '270 Park Avenue',
'city' => 'New York',
'region' => 'NY',
'postalCode' => '10017',
'country' => 'US'
]
]),
CURLOPT_HTTPHEADER => [
"Authorization: Bearer <token>",
"Content-Type: application/json"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api.venlyfinance.com/v1/parties/{partyId}/payout-bank-accounts"
payload := strings.NewReader("{\n \"rail\": \"US_ACH\",\n \"fiatCurrency\": \"USD\",\n \"label\": \"Jane's checking account\",\n \"accountHolderName\": \"Jane Doe\",\n \"railDetails\": {\n \"accountNumber\": \"123456789012\",\n \"abaRoutingNumber\": \"021000021\",\n \"accountType\": \"CHECKING\"\n },\n \"bankName\": \"Example National Bank\",\n \"bankAddress\": {\n \"street1\": \"270 Park Avenue\",\n \"city\": \"New York\",\n \"region\": \"NY\",\n \"postalCode\": \"10017\",\n \"country\": \"US\"\n }\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("Authorization", "Bearer <token>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api.venlyfinance.com/v1/parties/{partyId}/payout-bank-accounts")
.header("Authorization", "Bearer <token>")
.header("Content-Type", "application/json")
.body("{\n \"rail\": \"US_ACH\",\n \"fiatCurrency\": \"USD\",\n \"label\": \"Jane's checking account\",\n \"accountHolderName\": \"Jane Doe\",\n \"railDetails\": {\n \"accountNumber\": \"123456789012\",\n \"abaRoutingNumber\": \"021000021\",\n \"accountType\": \"CHECKING\"\n },\n \"bankName\": \"Example National Bank\",\n \"bankAddress\": {\n \"street1\": \"270 Park Avenue\",\n \"city\": \"New York\",\n \"region\": \"NY\",\n \"postalCode\": \"10017\",\n \"country\": \"US\"\n }\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.venlyfinance.com/v1/parties/{partyId}/payout-bank-accounts")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"rail\": \"US_ACH\",\n \"fiatCurrency\": \"USD\",\n \"label\": \"Jane's checking account\",\n \"accountHolderName\": \"Jane Doe\",\n \"railDetails\": {\n \"accountNumber\": \"123456789012\",\n \"abaRoutingNumber\": \"021000021\",\n \"accountType\": \"CHECKING\"\n },\n \"bankName\": \"Example National Bank\",\n \"bankAddress\": {\n \"street1\": \"270 Park Avenue\",\n \"city\": \"New York\",\n \"region\": \"NY\",\n \"postalCode\": \"10017\",\n \"country\": \"US\"\n }\n}"
response = http.request(request)
puts response.read_body{
"success": true,
"result": {
"id": "a1b2c3d4-e5f6-4708-9a1b-2c3d4e5f6071",
"partyId": "7e3b9c2a-1f4d-4a8b-9c11-2d6e8f0a1b22",
"rail": "US_ACH",
"fiatCurrency": "USD",
"label": "Jane's checking account",
"accountHolderName": "Jane Doe",
"details": {
"accountNumberLast4": "9012",
"abaRoutingNumber": "021000021",
"accountType": "CHECKING"
},
"bankName": "Example National Bank",
"bankAddress": {
"street1": "270 Park Avenue",
"city": "New York",
"region": "NY",
"postalCode": "10017",
"country": "US"
},
"status": "PENDING",
"createdAt": "2026-07-14T09:12:44Z",
"updatedAt": "2026-07-14T09:12:44Z"
}
}{
"success": false,
"errors": [
{
"code": "invalid-request",
"message": "The request contains invalid parameters."
}
],
"result": {}
}{
"success": false,
"errors": [
{
"code": "unauthenticated",
"message": "Please authenticate to perform this action."
}
]
}{
"success": false,
"errors": [
{
"code": "invalid-request",
"message": "The request contains invalid parameters."
}
],
"result": {}
}{
"success": false,
"errors": [
{
"code": "invalid-request",
"message": "The request contains invalid parameters."
}
],
"result": {}
}Payout Bank Accounts
Register a payout bank account
Allow-list a beneficiary bank account as a pay-out destination for a party.
POST
/
parties
/
{partyId}
/
payout-bank-accounts
Register a payout bank account
curl --request POST \
--url https://api.venlyfinance.com/v1/parties/{partyId}/payout-bank-accounts \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data @- <<EOF
{
"rail": "US_ACH",
"fiatCurrency": "USD",
"label": "Jane's checking account",
"accountHolderName": "Jane Doe",
"railDetails": {
"accountNumber": "123456789012",
"abaRoutingNumber": "021000021",
"accountType": "CHECKING"
},
"bankName": "Example National Bank",
"bankAddress": {
"street1": "270 Park Avenue",
"city": "New York",
"region": "NY",
"postalCode": "10017",
"country": "US"
}
}
EOFimport requests
url = "https://api.venlyfinance.com/v1/parties/{partyId}/payout-bank-accounts"
payload = {
"rail": "US_ACH",
"fiatCurrency": "USD",
"label": "Jane's checking account",
"accountHolderName": "Jane Doe",
"railDetails": {
"accountNumber": "123456789012",
"abaRoutingNumber": "021000021",
"accountType": "CHECKING"
},
"bankName": "Example National Bank",
"bankAddress": {
"street1": "270 Park Avenue",
"city": "New York",
"region": "NY",
"postalCode": "10017",
"country": "US"
}
}
headers = {
"Authorization": "Bearer <token>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
body: JSON.stringify({
rail: 'US_ACH',
fiatCurrency: 'USD',
label: 'Jane\'s checking account',
accountHolderName: 'Jane Doe',
railDetails: {
accountNumber: '123456789012',
abaRoutingNumber: '021000021',
accountType: 'CHECKING'
},
bankName: 'Example National Bank',
bankAddress: {
street1: '270 Park Avenue',
city: 'New York',
region: 'NY',
postalCode: '10017',
country: 'US'
}
})
};
fetch('https://api.venlyfinance.com/v1/parties/{partyId}/payout-bank-accounts', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.venlyfinance.com/v1/parties/{partyId}/payout-bank-accounts",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'rail' => 'US_ACH',
'fiatCurrency' => 'USD',
'label' => 'Jane\'s checking account',
'accountHolderName' => 'Jane Doe',
'railDetails' => [
'accountNumber' => '123456789012',
'abaRoutingNumber' => '021000021',
'accountType' => 'CHECKING'
],
'bankName' => 'Example National Bank',
'bankAddress' => [
'street1' => '270 Park Avenue',
'city' => 'New York',
'region' => 'NY',
'postalCode' => '10017',
'country' => 'US'
]
]),
CURLOPT_HTTPHEADER => [
"Authorization: Bearer <token>",
"Content-Type: application/json"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api.venlyfinance.com/v1/parties/{partyId}/payout-bank-accounts"
payload := strings.NewReader("{\n \"rail\": \"US_ACH\",\n \"fiatCurrency\": \"USD\",\n \"label\": \"Jane's checking account\",\n \"accountHolderName\": \"Jane Doe\",\n \"railDetails\": {\n \"accountNumber\": \"123456789012\",\n \"abaRoutingNumber\": \"021000021\",\n \"accountType\": \"CHECKING\"\n },\n \"bankName\": \"Example National Bank\",\n \"bankAddress\": {\n \"street1\": \"270 Park Avenue\",\n \"city\": \"New York\",\n \"region\": \"NY\",\n \"postalCode\": \"10017\",\n \"country\": \"US\"\n }\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("Authorization", "Bearer <token>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api.venlyfinance.com/v1/parties/{partyId}/payout-bank-accounts")
.header("Authorization", "Bearer <token>")
.header("Content-Type", "application/json")
.body("{\n \"rail\": \"US_ACH\",\n \"fiatCurrency\": \"USD\",\n \"label\": \"Jane's checking account\",\n \"accountHolderName\": \"Jane Doe\",\n \"railDetails\": {\n \"accountNumber\": \"123456789012\",\n \"abaRoutingNumber\": \"021000021\",\n \"accountType\": \"CHECKING\"\n },\n \"bankName\": \"Example National Bank\",\n \"bankAddress\": {\n \"street1\": \"270 Park Avenue\",\n \"city\": \"New York\",\n \"region\": \"NY\",\n \"postalCode\": \"10017\",\n \"country\": \"US\"\n }\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.venlyfinance.com/v1/parties/{partyId}/payout-bank-accounts")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"rail\": \"US_ACH\",\n \"fiatCurrency\": \"USD\",\n \"label\": \"Jane's checking account\",\n \"accountHolderName\": \"Jane Doe\",\n \"railDetails\": {\n \"accountNumber\": \"123456789012\",\n \"abaRoutingNumber\": \"021000021\",\n \"accountType\": \"CHECKING\"\n },\n \"bankName\": \"Example National Bank\",\n \"bankAddress\": {\n \"street1\": \"270 Park Avenue\",\n \"city\": \"New York\",\n \"region\": \"NY\",\n \"postalCode\": \"10017\",\n \"country\": \"US\"\n }\n}"
response = http.request(request)
puts response.read_body{
"success": true,
"result": {
"id": "a1b2c3d4-e5f6-4708-9a1b-2c3d4e5f6071",
"partyId": "7e3b9c2a-1f4d-4a8b-9c11-2d6e8f0a1b22",
"rail": "US_ACH",
"fiatCurrency": "USD",
"label": "Jane's checking account",
"accountHolderName": "Jane Doe",
"details": {
"accountNumberLast4": "9012",
"abaRoutingNumber": "021000021",
"accountType": "CHECKING"
},
"bankName": "Example National Bank",
"bankAddress": {
"street1": "270 Park Avenue",
"city": "New York",
"region": "NY",
"postalCode": "10017",
"country": "US"
},
"status": "PENDING",
"createdAt": "2026-07-14T09:12:44Z",
"updatedAt": "2026-07-14T09:12:44Z"
}
}{
"success": false,
"errors": [
{
"code": "invalid-request",
"message": "The request contains invalid parameters."
}
],
"result": {}
}{
"success": false,
"errors": [
{
"code": "unauthenticated",
"message": "Please authenticate to perform this action."
}
]
}{
"success": false,
"errors": [
{
"code": "invalid-request",
"message": "The request contains invalid parameters."
}
],
"result": {}
}{
"success": false,
"errors": [
{
"code": "invalid-request",
"message": "The request contains invalid parameters."
}
],
"result": {}
}Requires scope:
manage:pay-outs — see Required scopes.
Allow-lists a beneficiary bank account so it can receive pay-outs. The owning party comes from the path, never the body.
This is the only endpoint that accepts raw rail credentials. The account number is KMS-encrypted at rest immediately on persistence and is never returned — this response and every read path expose only
accountNumberLast4. The ABA routing number is a public bank identifier and is returned in full.bankAddress is the beneficiary bank’s postal address, not the recipient’s. All components are required, and country must be a valid ISO 3166-1 alpha-2 code.
The initial supported rail is US_ACH, which requires fiatCurrency: USD. A new account starts PENDING and becomes ACTIVE once activated for pay-outs.
Next: pair it with a deposit asset by creating a payout route.
Errors
The codes this endpoint can return, in addition to the standard errors. Branch oncode, never the message.
| HTTP | code | When |
|---|---|---|
400 | invalid-rail | unsupported rail |
400 | invalid-currency | currency is inconsistent with the rail (US_ACH requires USD) |
400 | missing-field | a required field is absent |
400 | invalid-account-number | the account number is not 4–17 digits |
400 | invalid-routing-number | the ABA routing number failed its checksum |
400 | invalid-account-type | accountType is not CHECKING or SAVINGS |
400 | invalid-bank-address | a bank-address component is missing or country is not a valid ISO 3166-1 alpha-2 code |
Authorizations
OAuth2 client credentials flow. Token endpoints:
Path Parameters
Unique party identifier
Body
application/json
Allow-lists a beneficiary bank account as a pay-out destination. The owning party comes from the path, never the body.
The fiat rail a payout bank account settles over.
US_ACH— US ACH transfer. RequiresfiatCurrency: USD.
Available options:
US_ACH ISO 4217 currency. Must be consistent with the rail — US_ACH requires USD.
Maximum string length:
3Example:
"USD"
Human-readable label for this destination
Maximum string length:
255Name on the beneficiary bank account
Maximum string length:
255Raw US-ACH rail credentials. Accepted only when registering a payout bank account.
Show child attributes
Show child attributes
Maximum string length:
255Structured postal address of the beneficiary's bank — not the recipient's own address. All
components are required on registration, and country must be a valid ISO 3166-1 alpha-2
code; anything missing or invalid yields 400 invalid-bank-address.
Show child attributes
Show child attributes
Beneficiary contact email, forwarded to the payment provider as part of the Travel-Rule record. Optional for providers that do not require it, but some destinations are refused without both a beneficiary email and phone number, so supply both on every bank account you register.
When the email is omitted the beneficiary party's email is used as a fallback; the phone
number has no such fallback and must be supplied on the bank account itself. A bank
account cannot be edited after registration, so if the resolved email or the phone is
missing, the route fails terminally with beneficiary-data-incomplete and the
beneficiary has to be registered again.
Maximum string length:
255Example:
"finance@acme.com"
Beneficiary contact phone in E.164 form (leading +, no spaces or punctuation). Same
applicability as beneficiaryEmail. Forwarded to the payment provider verbatim and not
normalised, so a non-E.164 number is rejected here rather than failing the route
registration later.
Maximum string length:
16Pattern:
^\+[1-9][0-9]{7,14}$Example:
"+12125550123"
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