Page Comparison

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Follow the instructions below for the twomulti-step update process:

Update the information for the bank account - PUT /accounts/{id}
Upload supporting documentation for the change:
1. Create the new Note Resource - POST /notes
2. Create a Document Resource to associate with the upload - POST /noteDocuments
3. Upload the document or image file - POST /files/noteDocuments/{id}

Info
This process and its review period applies to Merchant and Referrer level users.

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If an entity manually submits its bank account information, they are required to submit documentation to Platform Risk for account validation. See Steps 2-4 of the Manually Update with the API

Qualifying Bank Account Supporting Documentation is:

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Info

Minor Updates to Existing Bank Accounts

For existing bank accounts, supporting documents are only required if the routing or account number fields are being updated.

Note: Changes to account types do not require supporting documentation.

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Manually Update in the Portal

The Portal uses the Banking tab within the Merchant or Referrer Profile to update or add new bank account information to a specific Entity. In instances where an entity’s banking institution does not currently integrate with Plaid, or the Entity would like to manually add the account, this option is useful.

Expand

title	Click here to see Portal steps for manually updating an existing bank account.

To manually update an existing bank account in the Portal, follow the steps below:

Step 1: Navigate to the Merchants or Referrers page within the Management category.

Step 2: Click on the desired Merchant to bring up their Merchant Profile or Referrer Profile.

Step 3: Click the Banking tab on the left.

Step 4: Click the edit icon button in the upper right-hand corner.

Step 5: Click the ADD ACCOUNT MANUALLY button in the lightbox and view the prompt below:

Info

“Adding a new bank account will take up to 5 business to verify, you can continue to use your current bank account until your new account is confirmed

You will be required to upload a void check, bank statement, or bank letter to verify your account, Thank you for helping to keep your account safe.”

Step 6: Click Continue on the prompt, then click the ENTER ACCOUNT MANUALLY button.

Step 7: Enter the Type of bank account, Routing & Account Number, and Usage Options

Click ADVANCED OPTIONS to add an optional bank account name and description.

Step 8: Upload one of the qualifying support documents into the Upload and Attach Files field.

Step 9: Click the ADD button to complete the process.

Warning
Note: You will not be able to use this manually added account for up to 5 business days from update or creation.

Manually Update with the API

See the multi-step process below to update an existing bank account’s information and upload supporting documentation:

Expand

title	Step 1 - Update existing bank account information.

Updating an existing Bank Account - Example Code Snippet

Visit our API Documentation for parameter descriptions and valid values.

Request URL & Header

Code Block
GETPUT /accounts/{id} HTTP/1.1 Accept: application/json Host: api-test.payrix.com APIKEY:{{private_api_key}}

Example Request Body

Code Block

language	json

{
    "entity": "t1_ent_xxxxxxxxxxxxxx",
    "primary": "0",
    "currency": "USD",
    "name":"Bank Account Non-Primary",
    "account": {
        "method": "10",
        "number": "{{New_Account_Number}}",
        "routing": "{{New_Routing_Number}}"
        }
}

Example Response

Code Block

language	json

{
    "account": {
        "id": "t1_pmt_xxxxxxxxxxxxxxxxx",
        "method": "8",
        "number": "1234567890123456",
        "routing": "123456789",
        "bin": "123456789",
        "payment": null,
        "lastChecked": null,
        "last4": "1111"
    },
    "id": "t1_act_xxxxxxxxxxxxxxxxx",
    "created": "2023-08-18 15:37:56.9284",
    "modified": "2024-08-18 15:37:56.9284",
    "creator": "t1_log_xxxxxxxxxxxxxxx",
    "modifier": "t1_log_xxxxxxxxxxxxxxxx",
    "entity": "t1_ent_xxxxxxxxxxxxxxxxx",
    "token": "ac1234cc5ae67b89101a11213d1a4e15",
    "name": "Bank Account Non-Primary",
    "description": "",
    "primary": "0",
    "status": 0,
    "currency": "USD",
    "inactive": 0,
    "frozen": 0,
    "expiration": null,
    "type": "all",
    "reserved": 0,
    "checkStage": null
}

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title	Step 2 - Create a new note associated with the entity (Merchant).

Create a Note Resource to Associate with an Entity and Documents - Example Code Snippet

Visit our API Documentation for parameter descriptions and valid values.

Request URL & Header

Code Block
POST /notes HTTP/1.1 Accept: application/json Content-Type: application/json Host: api-test.payrix.com APIKEY:{{private_api_key}}

Example Request Body

Code Block

language	json

{
  "login": "t1_log_xxxxxxxxxxxxxxxx"
  "entity": "t1_ent_xxxxxxxxxxxxxxxx",
  "type": "note",
  "data": "ABC Company Bank Account Change Request",
  "note": "Supporting documents for account change.",
}

Example Response

Code Block

language	json

{
  "id": "t1_not_xxxxxxxxxxxxxxxxxx",
  "created": "2023-10-25T19:10:44.278Z",
  "modified": "2024-10-25T19:10:44.278Z",
  "creator": "t1_log_xxxxxxxxxxxxxxxx",
  "modifier": "t1_log_xxxxxxxxxxxxxxxx",
  "login": "t1_log_xxxxxxxxxxxxxxxx",
  "entity": "t1_ent_xxxxxxxxxxxxxxxxx",
  "type": "note",
  "data": "ABC Company Bank Account Change Request",
  "note": "Supporting documents for account change.",
  "inactive": "0",
  "frozen": "0"
}

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title	Step 3 - Create a new document (noteDocument) associated with the new Note.

Submit Bank Account Supporting Documents using the API

Create a Document Resource to Associate with the Note - Example Code Snippet

Visit our API Documentation for parameter descriptions and valid values.

Request URL & Header

Code Block
POST /noteDocuments HTTP/1.1 Accept: application/json Content-Type: application/json Host: api-test.payrix.com APIKEY:{{private_api_key}}

Example Request Body

Code Block

language	json

{
  "note": "t1_not_xxxxxxxxxxxxxxxxxx",
  "type": "png",
  "documentType": "voidCheck",
  "description": "Updating Existing Bank Account.",
  "name": "Voided Bank Check for ABC Company",
  "status": "created",
  inactive: "0",
  frozen: "0"
}

Info

voidCheck is used in the example above, but any of the following documents can be used in this process:

voidCheck - A voided check for bank account verification.
bankStatement - A bank statement.
bankLetter - A bank letter for verification.

Example Response

Code Block

language	json

{
  "id": "t1_ntd_xxxxxxxxxxxxxxxxxx",
  "created": "2024-08-18 13:22:51.2252",
  "modified": "2024-08-18 13:22:51.2252",
  "creator": "t1_log_xxxxxxxxxxxxxxxxxx",
  "modifier": "t1_log_xxxxxxxxxxxxxxxxxx",
  "note": "t1_not_xxxxxxxxxxxxxxxxxx",
  "type": "png",
  "documentType": "voidCheck",
  "name": "Voided Bank Check for ABC Company",
  "description": "Updating Existing Bank Account",
  "status": "created",
  "inactive": "0",
  "frozen": "0"
}

Expand

title	Step 4 - Upload the document file to the associated new document (noteDocument).

Upload the Image or Document File Associated with the Entity’s Note - Example Code Snippet

Visit our API Documentation for parameter descriptions and valid values.

Request URL & Header

Code Block
POST /files/noteDocuments/{id} HTTP/1.1 Accept: application/json Content-Type: multipart/form-data Body: form-data Host: api-test.payrix.com

Example Request Body (form-data)

Code Block
name: Document Name filename: <Selected File>

Example Request Body (JSON)

Code Block

language	json

{
  "credential": "string",
  "type": "png",
  "integration": "PAYRIX",
  "direction": "upload",
  "status": "pending",
  "retries": 0,
  "name": "Voided Bank Check for ABC Company",
  "inactive": 0,
  "frozen": 0
}

Example Response

Code Block

language	json

{
  "id": "t1_fil_xxxxxxxxxxxx",
  "created": "2023-10-25T19:10:44.278Z",
  "modified": "2023-10-25T19:10:44.278Z",
  "creator": "t1_log_xxxxxxxxxxxxx",
  "modifier": "t1_log_xxxxxxxxxxxxx",
  "credential": "string",
  "integration": "PAYRIX",
  "name": "Voided Bank Check for ABC Company",
  "file": "string",
  "type": "png",
  "status": "pending",
  "retries": 0,
  "direction": "upload",
  "inactive": 0,
  "frozen": 0
}

Manually Update in the Portal

The Portal uses the Banking tab within the Merchant or Referrer Profile to update or add new bank account information to a specific Entity. In instances where an entity’s banking institution does not currently integrate with Plaid, or the Entity would like to manually add the account, this option is useful.

Expand

title	Click here to see Portal steps for manually updating a new bank account.

To manually update an existing bank account in the Portal, follow the steps below:

Step 1: Navigate to the Merchants or Referrers page within the Management category.

Step 2: Click on the desired Merchant to bring up their Merchant Profile or Referrer Profile.

Step 3: Click the Banking tab on the left.

Step 4: Click the edit icon button in the upper right-hand corner.

Step 5: Click the ADD ACCOUNT MANUALLY button in the lightbox and view the prompt below:

Info

“Adding a new bank account will take up to 5 business to verify, you can continue to use your current bank account until your new account is confirmed

You will be required to upload a void check, bank statement, or bank letter to verify your account, Thank you for helping to keep your account safe.”

Step 6: Click Continue on the prompt, then click the ENTER ACCOUNT MANUALLY button.

Step 7: Enter the Type of bank account, Routing & Account Number, and Usage Options

Click ADVANCED OPTIONS to add an optional bank account name and description.

Step 8: Upload one of the qualifying support documents into the Upload and Attach Files field.

Step 9: Click the ADD button to complete the process.

Warning
Note: You will not be able to use this manually added account for up to 5 business days from update or creation.

Versions Compared

Old Version 9

New Version 10

Key

Minor Updates to Existing Bank Accounts

Manually Update in the Portal

Manually Update with the API

Updating an existing Bank Account - Example Code Snippet

Create a Note Resource to Associate with an Entity and Documents - Example Code Snippet

Create a Document Resource to Associate with the Note - Example Code Snippet

Upload the Image or Document File Associated with the Entity’s Note - Example Code Snippet

Manually Update in the Portal