Start trusting a beneficiary

Begin trusting (whitelisting) an external account so future sends to it can skip the per-transaction SCA ceremony. Returns the scaChallenge to satisfy (when one is issued). Complete with POST /customers/external-accounts/{externalAccountId}/trust/confirm.

This endpoint is only meaningful for customers in a region where SCA is required (e.g. EU). For customers outside SCA-regulated regions, this returns 409.

post/customers/external-accounts/{externalAccountId}/trust

Response

Beneficiary trust started; the SCA challenge (if any) is returned.

Example response

{
  "scaChallenge": {
    "id": "ScaChallenge:019542f5-b3e7-1d02-0000-000000000007",
    "expiresAt": "2025-10-03T12:05:00Z",
    "availableFactors": [
      "SMS_OTP"
    ],
    "purpose": "PAYOUT",
    "passkeyAllowedOrigins": [
      "https://app.example.com"
    ]
  }
}

Changes

Changed in 7 of the 24 revisions of this API.102

Aug 14, 2026aaa1fb8782c81See the full diff
- ●
  added the new EXTERNAL_ACCOUNT_VERIFICATION_REQUIRED enum value to the code response property for the response status 400
  response-property-enum-value-added
This revision also has 1 change that name no endpoint, such as unreferenced schemas being removed. See the revision's changelog
Aug 13, 2026df12ec487f0e1See the full diff
- ●
  added the new TRANSACTION_SIZE_LIMIT_EXCEEDED enum value to the code response property for the response status 400
  response-property-enum-value-added
Aug 11, 2026b06902b6595a4See the full diff
- ●
  added the new CARDHOLDER_KYC_NOT_APPROVED enum value to the code response property for the response status 400
  response-property-enum-value-added
- ●
  added the new CARD_ALREADY_CLOSED enum value to the code response property for the response status 409
  response-property-enum-value-added
- ●
  added the new CARD_NOT_MUTABLE enum value to the code response property for the response status 409
  response-property-enum-value-added
- ●
  added the new INVALID_STATE_TRANSITION enum value to the code response property for the response status 409
  response-property-enum-value-added
Aug 6, 2026526036c126091See the full diff
- ●
  added the new END_USER_TERMS_VERSION_NOT_FOUND enum value to the code response property for the response status 400
  response-property-enum-value-added
Jul 31, 2026b21ed434ee6e21See the full diff
- ●
  added the new BENEFICIARY_TRUSTED enum value to the code response property for the response status 409
  response-property-enum-value-added
- ●
  added the new SCA_SESSION_REQUIRED enum value to the code response property for the response status 409
  response-property-enum-value-added
- ○
  added the optional property details/errors to the response with the 400 status
  response-optional-property-added
Jul 26, 2026094458a989d21See the full diff
- ●
  added the new TRANSACTION_NOT_CANCELLABLE enum value to the code response property for the response status 409
  response-property-enum-value-added
This revision also has 1 change that name no endpoint, such as unreferenced schemas being removed. See the revision's changelog
Jul 21, 2026483d0a08414b1See the full diff
- ○
  endpoint added
  endpoint-added
This revision also has 1 change that name no endpoint, such as unreferenced schemas being removed. See the revision's changelog

Full history