---
title: "Create funding account"
method: POST
path: "/funding-recipients/{recipientId}/funding-accounts"
tags: ["fundingRecipients"]
---

# Create funding account

`POST /funding-recipients/{recipientId}/funding-accounts`

## Request

- Base URL: `https://api.payroc.com/v1`
- URL: `https://api.payroc.com/v1/funding-recipients/{recipientId}/funding-accounts`
- Auth: HTTP bearer

Use this method to create a funding account and add it to a funding recipient.  

To add a funding account to a funding recipient, you need the recipientId. Our gateway returned the recipientId in the response of the [Create Funding Recipient](https://docs.payroc.com/api/schema/funding/funding-recipients/create) method.  

**Note:** If you don't have the recipientId, use our [List Funding Recipients](https://docs.payroc.com/api/schema/funding/funding-recipients/list) method to search for the funding recipient.  

In the request, include the following information:  
-	Account type, for example, if the account is a checking or savings account.  
-	Account holder's name.  
-	ACH information, including the routing number and account number of the account.  

Our gateway returns the fundingAccountId, which you can use to run follow-on actions.

## Path parameters

- `recipientId` integer, required

## Headers

- `Idempotency-Key` string, uuid, required

## Request body

- FundingAccount
  - `fundingAccountId` integer: Unique identifier that we assigned to the funding account.
  - `createdDate` string, date-time: Date and time that we received your request to create the funding account in our system.
  - `lastModifiedDate` string, date-time: Date and time that the funding account was last modified.
  - `status` 'approved' | 'rejected' | 'pending' | 'hold': Status of the funding account. The value is one of the following: - `approved` - We approved the funding account. - `rejected` - We rejected the funding account. - `pending` - We have not yet approved the funding account. - `hold` - Our Risk team have temporarily placed a hold on the funding account.
  - `type` 'checking' | 'savings' | 'generalLedger', required: Type of funding account.
  - `use` 'credit' | 'debit' | 'creditAndDebit', required: Indicates if we send funds or withdraw funds from the account. - `credit` - Send funds to the account. - `debit` - Withdraw funds from the account. - `creditAndDebit` - Send funds and withdraw funds from the account. **Note:** If the funding account is associated with a funding recipient, we accept only a value of `credit`.
  - `nameOnAccount` string, required: Name of the account holder.
  - `paymentMethods` PaymentMethodsItems[], required: Array of PaymentMethodAch objects.
    - `type` 'ach', required: Discriminator value: ach
    - `value` PaymentMethodsItemsDiscriminatorMappingAchValue: Object that contains information about the funding account.
      - `routingNumber` string, required: Routing number of the funding account.
      - `accountNumber` string, required: Account number of the funding account.
  - `metadata` object: [Metadata](https://docs.payroc.com/api/metadata) object you can use to include custom data with your request.
  - `links` Link[]: Array of HATEOAS links.
    - `rel` string, required: Indicates the relationship between the current resource and the target resource.
    - `method` string, required: HTTP method that you need to use with the target resource.
    - `href` string, required: URL of the target resource.

## Response `201`

Successful request. We created the funding account and added it to the funding recipient.

- FundingAccount
  - `fundingAccountId` integer: Unique identifier that we assigned to the funding account.
  - `createdDate` string, date-time: Date and time that we received your request to create the funding account in our system.
  - `lastModifiedDate` string, date-time: Date and time that the funding account was last modified.
  - `status` 'approved' | 'rejected' | 'pending' | 'hold': Status of the funding account. The value is one of the following: - `approved` - We approved the funding account. - `rejected` - We rejected the funding account. - `pending` - We have not yet approved the funding account. - `hold` - Our Risk team have temporarily placed a hold on the funding account.
  - `type` 'checking' | 'savings' | 'generalLedger', required: Type of funding account.
  - `use` 'credit' | 'debit' | 'creditAndDebit', required: Indicates if we send funds or withdraw funds from the account. - `credit` - Send funds to the account. - `debit` - Withdraw funds from the account. - `creditAndDebit` - Send funds and withdraw funds from the account. **Note:** If the funding account is associated with a funding recipient, we accept only a value of `credit`.
  - `nameOnAccount` string, required: Name of the account holder.
  - `paymentMethods` PaymentMethodsItems[], required: Array of PaymentMethodAch objects.
    - `type` 'ach', required: Discriminator value: ach
    - `value` PaymentMethodsItemsDiscriminatorMappingAchValue: Object that contains information about the funding account.
      - `routingNumber` string, required: Routing number of the funding account.
      - `accountNumber` string, required: Account number of the funding account.
  - `metadata` object: [Metadata](https://docs.payroc.com/api/metadata) object you can use to include custom data with your request.
  - `links` Link[]: Array of HATEOAS links.
    - `rel` string, required: Indicates the relationship between the current resource and the target resource.
    - `method` string, required: HTTP method that you need to use with the target resource.
    - `href` string, required: URL of the target resource.

## Other responses

- `400`: Validation errors
- `401`: Identity could not be verified
- `403`: Do not have permissions to perform this action
- `404`: Resource not found
- `406`: Not acceptable
- `409`: Conflict
- `500`: An error has occured

## Changes

- **2026-09-17** `9fc1e1d5b4a8`: 1 warning, 1 info
  - deleted the `header` request parameter `Authorization`
  - the endpoint scheme security `Bearer` was added to the API
- **2026-09-12** `9af893904873`: 1 info
  - api operation id `createAccount` removed and replaced with `fundingRecipients_createAccount`

[Operation history](https://skmtc.dev/payroc/apis/schema/changes/funding-recipients/:recipientId/funding-accounts/post.md)

---

[API](https://skmtc.dev/payroc/apis/schema.md) - [All operations](https://skmtc.dev/payroc/apis/schema/llms.txt) - [OpenAPI document](https://skmtc.dev/payroc/apis/schema/revisions/735467f6d8cd?raw)