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Create a Bank Account
curl --request POST \
  --url https://api.spherepay.co/v2/bank-account \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "customerId": "customer_66c4168d418a410eae282b83883bdc39",
  "bankName": "Chase",
  "accountName": "Jane Doe Checking",
  "currency": "usd",
  "accountDetails": {
    "accountNumber": "1234567890",
    "routingNumber": "021000021",
    "accountType": "checking"
  },
  "accountOwner": {
    "accountHolderName": "Jane Doe",
    "address": {
      "line1": "233 South Wacker Drive",
      "city": "Chicago",
      "state": "IL",
      "postalCode": "60606",
      "country": "USA"
    }
  },
  "networks": [
    "ach",
    "wire"
  ]
}
'
{
  "id": "bankAccount_ce745ef7f3df4b9a8bff1301ce24b045",
  "status": "active",
  "bankName": "Chase",
  "accountName": "Jane Doe Checking",
  "customerId": "customer_66c4168d418a410eae282b83883bdc39",
  "created": "2025-01-01T00:00:00Z",
  "updated": "2025-01-01T00:00:00Z",
  "currency": "usd",
  "accountDetails": {
    "accountNumber": "****7890",
    "routingNumber": "021000021",
    "accountType": "checking"
  },
  "accountOwner": {
    "accountHolderName": "Jane Doe",
    "relationship": "self"
  },
  "networks": [
    "ach",
    "wire"
  ]
}
Usa este endpoint para registrar la cuenta bancaria fiat existente de un cliente en SpherePay. SpherePay no abre ni gestiona cuentas bancarias — vincula una cuenta que tu cliente ya tiene a su perfil de SpherePay para que pueda usarse como origen o destino para transferencias fiat. Debes registrar al menos una cuenta bancaria antes de crear una transferencia que involucre divisa fiat. El cliente debe tener al menos un perfil de verificación aprobado antes de que puedas registrar una cuenta bancaria en su nombre.

Autorizaciones

​
Authorization
string
header
requerido

Bearer authentication header of the form Bearer <token>, where <token> is your auth token.

Cuerpo

application/json
​
customerId
string
requerido

The unique identifier of the customer who owns this bank account.

Minimum string length: 1
Ejemplo:

"customer_66c4168d418a410eae282b83883bdc39"

​
bankName
string
requerido

The name of the financial institution where the account is held.

Minimum string length: 1
Ejemplo:

"Bank of America"

​
accountName
string
requerido

A descriptive name for this bank account (e.g., "Checking Account", "Business Account").

Minimum string length: 1
Ejemplo:

"Checking Account"

​
currency
enum<string>
requerido

The currency of the bank account. When set to usd, accountDetails must contain accountNumber, routingNumber, and accountType.

Opciones disponibles:
usd
Ejemplo:

"usd"

​
accountDetails
object
requerido

USD account details. Required fields: accountNumber, routingNumber, accountType.

​
accountOwner
object
requerido

Information about the account owner, including their name, address, and relationship to the customer.

​
networks
enum<string>[]
requerido

The payment networks supported by this bank account. For USD accounts, must include at least one of "ach" or "wire" (specify both wire and ach if unsure).

Minimum array length: 1
Opciones disponibles:
ach,
wire
Ejemplo:
["wire", "ach"]

Respuesta

​
id
string
requerido

The unique identifier of the bank account.

Ejemplo:

"bankAccount_ce745ef7f3df4b9a8bff1301ce24b045"

​
status
enum<string>
requerido

The current status of the bank account.

Opciones disponibles:
pending,
active,
inactive,
invalid
Ejemplo:

"active"

​
bankName
string
requerido

The name of the financial institution where the account is held.

Ejemplo:

"Bank of America"

​
accountName
string
requerido

A descriptive name for this bank account.

Ejemplo:

"Checking Account"

​
customerId
string
requerido

The unique identifier of the customer who owns this bank account.

Ejemplo:

"customer_66c4168d418a410eae282b83883bdc39"

​
created
string
requerido

The ISO 8601 timestamp when the bank account was created.

Ejemplo:

"2025-01-01T00:00:00Z"

​
updated
string
requerido

The ISO 8601 timestamp when the bank account was last updated.

Ejemplo:

"2025-01-01T00:00:00Z"

​
currency
enum<string>
requerido

The currency of the bank account.

Opciones disponibles:
usd
Ejemplo:

"usd"

​
accountDetails
object
requerido

USD account details including accountNumber, routingNumber, and accountType.

​
accountOwner
object
requerido

Information about the account owner, including their name and relationship to the customer.

​
networks
enum<string>[]
requerido

The payment networks supported by this bank account. For USD accounts, includes at least one of "ach" or "wire".

Opciones disponibles:
ach,
wire
Ejemplo:
["wire", "ach"]
Última modificación el 18 de junio de 2026