> For clean Markdown of any page, append .md to the page URL. > For a complete documentation index, see https://docs.mercoa.com/llms.txt. > For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.mercoa.com/_mcp/server. Bank Accounts can be considered the default payment method in Mercoa. They can be used as a funding source and disbursement method. ## Creating a Bank Account ### Create a Bank Account via Component If you are using the Mercoa Embed or React Component, your customer can add a bank account directly in your application. When creating the JWT token, you will need to make sure the `paymentMethods` page is enabled. ### Create a Bank Account via Plaid You can also use Plaid to create a bank account. See [this guide](/common-concepts/payment-methods/plaid-integration) to learn how to add a Plaid integration to your frontend. If you are already using Plaid in your application, you can use existing Plaid access tokens to create a bank account! ### Create a Bank Account with the API To create a bank account via API, you need to provide the following information: * Account Number * Routing Number * Account Type (Checking or Savings) ### Request POST [https://api.mercoa.com/entity/\{entityId}/paymentMethod](https://api.mercoa.com/entity/\{entityId}/paymentMethod) **`BankAccount`** ```curl BankAccount curl -X POST https://api.mercoa.com/entity/ent_8545a84e-a45f-41bf-bdf1-33b42a55812c/paymentMethod \ -H "Authorization: Bearer " \ -H "Content-Type: application/json" \ -d '{ "type": "bankAccount", "accountNumber": "99988767623", "accountType": "CHECKING", "routingNumber": "12345678" }' ``` **`BankAccount`** ```python BankAccount import requests url = "https://api.mercoa.com/entity/ent_8545a84e-a45f-41bf-bdf1-33b42a55812c/paymentMethod" payload = { "type": "bankAccount", "accountNumber": "99988767623", "accountType": "CHECKING", "routingNumber": "12345678" } headers = { "Authorization": "Bearer ", "Content-Type": "application/json" } response = requests.post(url, json=payload, headers=headers) print(response.json()) ``` **`BankAccount`** ```typescript BankAccount import { MercoaClient } from "@mercoa/javascript"; const client = new MercoaClient({ token: "YOUR_TOKEN" }); await client.entity.paymentMethod.create("ent_8545a84e-a45f-41bf-bdf1-33b42a55812c", { type: "bankAccount", routingNumber: "12345678", accountNumber: "99988767623", accountType: "CHECKING" }); ``` **`BankAccount`** ```go BankAccount package main import ( "fmt" "strings" "net/http" "io" ) func main() { url := "https://api.mercoa.com/entity/ent_8545a84e-a45f-41bf-bdf1-33b42a55812c/paymentMethod" payload := strings.NewReader("{\n \"type\": \"bankAccount\",\n \"accountNumber\": \"99988767623\",\n \"accountType\": \"CHECKING\",\n \"routingNumber\": \"12345678\"\n}") req, _ := http.NewRequest("POST", url, payload) req.Header.Add("Authorization", "Bearer ") req.Header.Add("Content-Type", "application/json") res, _ := http.DefaultClient.Do(req) defer res.Body.Close() body, _ := io.ReadAll(res.Body) fmt.Println(res) fmt.Println(string(body)) } ``` **`BankAccount`** ```ruby BankAccount require 'uri' require 'net/http' url = URI("https://api.mercoa.com/entity/ent_8545a84e-a45f-41bf-bdf1-33b42a55812c/paymentMethod") http = Net::HTTP.new(url.host, url.port) http.use_ssl = true request = Net::HTTP::Post.new(url) request["Authorization"] = 'Bearer ' request["Content-Type"] = 'application/json' request.body = "{\n \"type\": \"bankAccount\",\n \"accountNumber\": \"99988767623\",\n \"accountType\": \"CHECKING\",\n \"routingNumber\": \"12345678\"\n}" response = http.request(request) puts response.read_body ``` **`BankAccount`** ```java BankAccount import com.mashape.unirest.http.HttpResponse; import com.mashape.unirest.http.Unirest; HttpResponse response = Unirest.post("https://api.mercoa.com/entity/ent_8545a84e-a45f-41bf-bdf1-33b42a55812c/paymentMethod") .header("Authorization", "Bearer ") .header("Content-Type", "application/json") .body("{\n \"type\": \"bankAccount\",\n \"accountNumber\": \"99988767623\",\n \"accountType\": \"CHECKING\",\n \"routingNumber\": \"12345678\"\n}") .asString(); ``` **`BankAccount`** ```php BankAccount request('POST', 'https://api.mercoa.com/entity/ent_8545a84e-a45f-41bf-bdf1-33b42a55812c/paymentMethod', [ 'body' => '{ "type": "bankAccount", "accountNumber": "99988767623", "accountType": "CHECKING", "routingNumber": "12345678" }', 'headers' => [ 'Authorization' => 'Bearer ', 'Content-Type' => 'application/json', ], ]); echo $response->getBody(); ``` **`BankAccount`** ```csharp BankAccount using RestSharp; var client = new RestClient("https://api.mercoa.com/entity/ent_8545a84e-a45f-41bf-bdf1-33b42a55812c/paymentMethod"); var request = new RestRequest(Method.POST); request.AddHeader("Authorization", "Bearer "); request.AddHeader("Content-Type", "application/json"); request.AddParameter("application/json", "{\n \"type\": \"bankAccount\",\n \"accountNumber\": \"99988767623\",\n \"accountType\": \"CHECKING\",\n \"routingNumber\": \"12345678\"\n}", ParameterType.RequestBody); IRestResponse response = client.Execute(request); ``` **`BankAccount`** ```swift BankAccount import Foundation let headers = [ "Authorization": "Bearer ", "Content-Type": "application/json" ] let parameters = [ "type": "bankAccount", "accountNumber": "99988767623", "accountType": "CHECKING", "routingNumber": "12345678" ] as [String : Any] let postData = JSONSerialization.data(withJSONObject: parameters, options: []) let request = NSMutableURLRequest(url: NSURL(string: "https://api.mercoa.com/entity/ent_8545a84e-a45f-41bf-bdf1-33b42a55812c/paymentMethod")! as URL, cachePolicy: .useProtocolCachePolicy, timeoutInterval: 10.0) request.httpMethod = "POST" request.allHTTPHeaderFields = headers request.httpBody = postData as Data let session = URLSession.shared let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in if (error != nil) { print(error as Any) } else { let httpResponse = response as? HTTPURLResponse print(httpResponse) } }) dataTask.resume() ``` ## Using a Bank Account as a Funding Source To use a bank account as a funding source, you need to prove ownership of the account. If the account is added via Plaid, this is automatic. Otherwise, this is done by depositing a small amount of money into the account and verifying that the amount matches the amount deposited. This is done by calling the [Initiate Micro Deposit](/api-reference/entity/payment-method/bank-account/initiate-micro-deposits) endpoint and then the [Verify Micro Deposit](/api-reference/entity/payment-method/bank-account/complete-micro-deposits) endpoint with the appropriate amounts. ### Bank Statements Mercoa transactions will show up on the payer's bank statement with the following format: ``` VendorName Inv# ``` If there is no invoice number, it will follow the format: ``` VendorName AP{Invoice_ID} ``` Where `AP{Invoice_ID}` is the unique identifier for the invoice. #### Overriding the Statement Descriptor The `Inv#` portion can be overridden by setting the [description](/api-reference/invoice/create#request.body.paymentDestinationOptions.bankAccount.description) field on the invoice payment destination options. ## Using a Bank Account as a Disbursement Method Bank accounts do not need to be verified to be used as a disbursement method. ### Bank Statements Mercoa transactions will show up on the vendor's bank statement with the following format: ``` PayerName Inv# ``` If there is no invoice number, it will follow the format: ``` PayerName AP{Invoice_ID} ``` Where `AP{Invoice_ID}` is the unique identifier for the invoice. #### Overriding the Statement Descriptor The `Inv#` portion can be overridden by setting the [description](/api-reference/invoice/create#request.body.paymentDestinationOptions.bankAccount.description) field on the invoice payment destination options. The `PayerName` portion can be replaced with the `AccountName` of the bank account by configuring the [entity customization options](/api-reference/entity/customization/update#request.body.backupDisbursement.bankAccount.originatingCompanyName).