---
title: "Create a Partner Payer"
method: POST
path: "/v1/payments/payers/partner"
tags: ["Payers"]
---

# Create a Partner Payer

`POST /v1/payments/payers/partner`

To fund your FBO account, you must first link an external bank account by creating a Payer object. This object acts as the designated source of funds for all Payment to Platform transactions. You may create as many Payers as needed to represent various funding sources.
Upon a successful POST request, the API returns a PayerId. You will use this ID in subsequent calls to specify which account should be debited.

To create a valid Payer, you must provide either:
- accountNumber, routingNumber, and accountType
- token and tokenType

All other fields are mandatory as they are required by the loan servicers themselves.

## Request body

- CreatePartnerPayerRequest
  - `bankAccountDetails` PayerBankAccountDetails, required
    - `routingNumber` string — At least one of following sets of fields is required: [routingNumber, accountNumber, accountType] or [token, tokenType]
    - `accountNumber` string
    - `nameOnAccount` string, required
    - `institutionName` string, required
    - `accountType` string
    - `tokenType` 'PLAID' — At least one of following sets of fields is required: [token, tokenType] or [routingNumber, accountNumber, accountType]
    - `token` string
    - `accountHolderProfile` AccountHolderProfilePayer, required
      - `country` string, required
      - `city` string, required
      - `state` string, required
      - `zipCode` string, required
      - `email` string, required
      - `phone` string, required
      - `dateOfBirth` string
      - `addressLine1` string, required
      - `addressLine2` string

## Response `200`

Successful response

- CreatePartnerPayerResponse
  - `status` ResponseStatus, required
    - `code` number
    - `desc` string
    - `messages` Message[]
      - `desc` string, required
      - `type` 'ERROR' | 'WARN' | 'INFO'
  - `data` CreatePartnerPayerResponseData, required
    - `payerId` string, required
    - `payerType` string, required
    - `payerSubType` string, required
    - `accountLast4Digits` string
    - `institutionName` string, required
    - `tokenType` 'PLAID' — The source of the token used (if any)
    - `verificationStatus` VerificationStatusResponseData
      - `status` 'IN_PROGRESS' | 'UNVERIFIED' | 'VERIFIED' | 'FAILED' | 'ERROR' | 'APPROVED_AWAITING_USER', required
      - `statusUpdateTs` number, required
    - `createdOn` number, required
    - `updatedOn` number, required

## Other responses

- `400` — Bad request response
- `401` — Unauthorized response
- `404` — Not found response
- `500` — Internal server error response

---

[API](https://skmtc.dev/spinwheel/apis/discover.md) · [All operations](https://skmtc.dev/spinwheel/apis/discover/llms.txt) · [OpenAPI document](https://skmtc-service-production.skmtc.workers.dev/v1/apis/spinwheel/discover/revisions/55b90a2e1dd4/schema)