One integration for onboarding, payments, and treasury

{
  "legal_name": "Acme Coffee LLC",
  "owner": {
    "first_name": "Jordan",
    "last_name": "Lee",
    "ownership_percentage": 100
  }
}

Submit your first business in the sandbox, watch it move through review, and receive the approval webhook. Roughly fifteen minutes end to end.

{
  "id": "ent_8f2a",
  "legal_name": "Acme Coffee LLC",
  "owners": [{ "ownership_percentage": 100 }],
  "status": "in_review"
}

An entity is the business being boarded. Owners and beneficial owners are the people attached to it, and underwriting evaluates both before the entity can accept funds.

{
  "legal_name": "Acme Coffee LLC",
  "structure": "llc",
  "owner": { "ownership_percentage": 100 }
}

Submit the entity payload with legal name, structure, and required owner detail. The response includes an entity id and an initial review status.

{
  "owner": {
    "first_name": "Jordan",
    "last_name": "Lee"
  }
}

PATCH an entity to update details or add an owner, then re-submit it for review.

{
  "id": "ent_8f2a",
  "status": "approved"
}

Every state a business can hold: submitted, in_review, approved, or rejected.

{
  "amount": 4200,
  "currency": "usd",
  "payment_method": "pm_test_visa",
  "capture": true
}

Run a test card through authorization and capture, then reconcile the result against the payment object and its webhook events.

{
  "type": "card",
  "brand": "visa",
  "last4": "4242"
}

Cards, ACH, and wallets are all represented as a payment_method on the payment object — which are supported depends on the merchant configuration.

{
  "amount": 4200,
  "payment_method": "pm_test_visa",
  "capture": false
}

Authorize a charge against a payment method, then capture or void it.

{
  "amount": 4200
}

Issue a full or partial refund, and respond with evidence when a dispute is filed.

{
  "id": "pay_3c91",
  "status": "settled"
}

Every state a payment can hold, from authorized to captured, settled, refunded, or disputed.

{
  "amount": 150000,
  "currency": "usd",
  "from_account": "acct_sandbox_01",
  "rail": "ach"
}

Fund a sandbox account and move your first transfer.

{
  "entity_id": "ent_8f2a",
  "currency": "usd"
}

Create a ledger account and attach it to an entity.

{
  "amount": 150000,
  "from_account": "acct_sandbox_01",
  "rail": "ach"
}

Send a credit from a funded account, follow the transfer through submission and settlement, and handle returns when they arrive.

{
  "amount": 5000,
  "from_account": "acct_sandbox_01",
  "to_account": "acct_sandbox_02",
  "rail": "internal"
}

Transfer between two accounts you control.

{
  "routing_number": "110000000",
  "account_number": "000123456789"
}

Routing numbers and amounts that trigger each outcome — approval, insufficient funds, or a return.