API Reference

Subaccounts API

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Subaccounts enable segregated fund management within a root entity’s main account. Each subaccount maintains its own balance and transaction history, allowing businesses to track funds for different purposes (e.g., different stores, projects, or business units).

Requirements

Bank Configuration: Subaccounts is a bank-specific feature that must be enabled in your bank configuration. Contact your bank representative to enable subaccounts for your account.

Key Features

  • Create and manage subaccounts for fund segregation
  • Each subaccount has its own virtual account details (account number, routing numbers per rail)
  • routing_numbers.ach and routing_numbers.wire: Use ach for ACH, wire for wire transfers. For JPM VRNs they differ; for other banks they are the same.
  • Track balances and transaction history per subaccount
  • Move funds between subaccounts instantly
  • Seamless integration with existing payor and payee workflows

Operations

  • Create subaccount: Set up a new subaccount with virtual banking details
  • Rename subaccount: Update the display name for an existing subaccount
  • List subaccounts: Retrieve all subaccounts for your root entity
  • Get subaccount: Get details for a specific subaccount
  • Move funds: Transfer money instantly between subaccounts within your root entity