Accounts

An account represents a payment account for a beneficiary, serving as the routing point for collections, channels, and settlements.

Accounts are the central routing concept in v1. Rather than sending funds directly from one partner to another, you create an account for a beneficiary and then route collections and channels through it. Every incoming payment is credited to an account's sub-ledger, which is what makes automated reconciliation possible — funds are matched to the correct party on arrival rather than reconciled afterwards.

Each account can have its own virtual account details or deposit address, depending on the currency and payment rail.

• A partner is the party the account belongs to. An account always has a beneficiary.
• A collection or channel is created against an account using its account_id. This is what routes the payment.
• A settlement draws from an account's balance to move funds to your designated destination.

• Create an account: Create a new payment account for a beneficiary.
• List accounts: Retrieve a list of all accounts, filterable by id, type, or status.
• Get account details: View the full details and current status of a single account.