There are scenarios in which you may want to update your existing account on the Platform, as opposed to adding a new bank account. This could be the result of fraudulent activity on your account where your bank provides you with a new account and/or routing number.

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

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This guide will walk you through the update and validation process required to update the information for

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your existing bank account

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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}

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Bank Account Types and Requirements

All Merchants or Referrers boarded to the Platform are required to must have an active U.S.-based bank account on file. A bank account serves two purposes for an entity:

• Account for Deposits - Arequired bank account on file to receive deposits from Available Balance funds.

• Account for Debits - A required bank account on file to be debited to cover Negative Balances negative balances owed.

Merchants or Referrers can use one bank account on file for both payouts and debits, individual bank accounts for deposits and debits, or multiple bank accounts with unique, individual purposes.

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As a Payment Facilitator, the Platform validates any bank account submitted by an entity. This validation includes active status, type of account, & ownership and prevents funds from being sent to an incorrect bank account as the result of due to a typo or invalid information.

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

1. Update the existing information for the bank account - PUT /accounts/{id}

2. 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}

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

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

{
    "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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