Add funds to accounts by initiating deposits from your platform or by receiving transfers sent from external bank accounts.

PCE supports multiple credit flows so you can fund accounts through payment methods you control, as well as transfers initiated outside your platform. This lets you support use cases such as check deposits, ACH pulls, wire pulls, payroll funding, and one-time inbound transfers.

Prepare inbound funding

Before adding funds, make sure the account is set up for the funding method you plan to use.

External Accounts (Domestic): Link and verify external bank accounts used for platform-initiated funding flows such as ACH or Wire pulls.
Direct Transfers: Retrieve and share routable account details so third parties can send ACH credits or wire credits into the account.

This helps you choose the right setup path depending on whether your platform initiates the transfer or receives it from an external sender.

Types of Credit Flows

At a high level, funds can be added to an account through the following credit flows:

Initiate deposits

Funds are added by initiating a deposit from your platform using a supported payment method.

Remote Check Deposits: Deposit paper checks digitally by capturing check images from a mobile device.
Lockbox Deposits: Process mailed physical checks through a bank-managed lockbox service.
Pull Funds via ACH: Initiate an ACH debit from a customer’s external bank account to move funds into their account.
Pull Funds via Wire: Initiate a wire debit from a customer’s external bank account to move funds into their account.

Use these flows when your platform is responsible for starting the funding transaction.

Receive external transfers

Funds are added when a third party sends money into the account using routable account details such as account and routing numbers.

ACH Credits: Funds sent through the ACH network from an external bank account.
Wire Credits: Funds sent through the wire network from an external bank account.

Use these flows when the sender initiates the transfer outside your platform, such as for payroll deposits, business disbursements, or one-time bank transfers.

Refer to Direct Transfers to learn how to retrieve and share routable account details for receiving inbound transfers.