External Accounts represent bank accounts that exist outside the Passport system. These accounts are linked to a customer to enable fund transfers such as debits (collects) or credits (payouts).

A customer can configure one or more external accounts, depending on their business needs.

When to Use External Accounts

Collect funds from a customer’s bank account
Send payouts to external bank accounts
Enable recurring payments

How it Works

Create an External Account Capture bank account details such as account number, routing number, and holder information.
Initiate Verification Based on program configuration, the account undergoes validation (EWS, Prenote, or Micro-deposit).
OFAC Screening The account holder name is screened against compliance lists.
Account Activation Upon successful verification, the external account becomes ACTIVE and ready for transactions.

Add an External Account

Use the POST v1/customer/id/{id}/externalAccount API endpoint External Account API to create and link a bank account to a customer.

Key Details Required

Field	Description
`holderName`	Name as per bank records
`accountNumber`	Bank account number
`routingNumber`	ACH routing number
`type`	Account type
`holderType`	Individual / Business
`purpose`	Reason for linking the account
`linkedDocument.document.type`	Possible Values: ATD EFT SPAA WEB_RECEIPT TEL_RECEIPT DMF ACCOUNT_SETUP_FORM
`linkedDocument.purpose`	`AUTHORIZATION`

💡
Only the last 4 digits of the account number are returned in API responses for security.

Key Capabilities

Link multiple external accounts per customer
Support for ACH and Wire routing
Attach authorization documents
Add metadata and tags for tracking
Perform validations based on program configuration. You can reach out to the PCE Account Management team to enable or disable an External Account Validation methods.

Compliance & Security

Every external account undergoes OFAC verification on the account holder name.
Transactions are allowed only after successful compliance checks.
Supporting documents can be uploaded for authorization and audit purposes.