Bank account & routing number validation rules

Value	Meaning
`always`	Required regardless of the bank account scheme used
`local`	Required only when `bank_account.scheme` is `LOCAL`
`swift`	Required only when `bank_account.scheme` is `SWIFT`
`conditional`	Required based on the payment type (ACH vs wire for USA)
`null`	Optional — include if available

AUS — Australia

Allowed currencies: AUD, USDBank account

Field	Value
Schemes	`LOCAL`, `SWIFT`
Number regex	`^[0-9]{4,9}$`

Bank routing

Scheme	Regex	Required when
`BSB`	`^[0-9]{6}$`	`local`
`SWIFT`	`^[A-Z]{4}[A-Z]{2}[A-Z0-9]{2}([A-Z0-9]{3})?$`	`swift`
`BANK_IDENTIFIER`	`^[1-9]\d*$`	`always`
`BRANCH_IDENTIFIER`	`^[1-9]\d*$`	`conditional`

{
  "customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
  "counter_party": "FIRST_PARTY",
  "country": "AUS",
  "currency": "AUD",
  "account_holder": {
    "type": "INDIVIDUAL",
    "first_name": "Afroja",
    "last_name": "Akter",
    "email": "afroja@example.com",
    "phone": "+61412345678"
  },
  "bank_account": {
    "bank_name": "Commonwealth Bank of Australia",
    "number": "123456789",
    "scheme": "LOCAL",
    "type": "SAVINGS"
  },
  "bank_address": {
    "street_line_1": "Ground Floor Tower 1, 201 Sussex Street",
    "city": "Sydney",
    "state": "AU-SA",
    "postcode": "2000",
    "country": "AUS"
  },
  "account_holder_address": {
    "street_line_1": "42 Wallaby Way",
    "city": "Queensland",
    "state": "AU-SA",
    "postcode": "2000",
    "country": "AUS"
  },
  "receiver_meta_data": {
    "nationality": "AUS",
    "transaction_purpose_id": 1,
    "transaction_purpose_remarks": "Send to Family & Friends",
    "occupation_id": 504,
    "occupation_remarks": "Software quality assurance analyst and tester",
    "relationship": "FAMILY_MEMBER",
    "relationship_remarks": "Family & Friends"
  },
  "bank_routing": [
    { "scheme": "BSB", "number": 123456 },
    { "scheme": "BANK_IDENTIFIER", "number": 120 }
  ],
  "developer_fee": { "fixed": 1.25, "percentage": 0.45 },
  "deposit_instruction": { "currency": "USDC", "rail": "POLYGON" },
  "refund_instruction": {
    "wallet_address": "0x1b577931C1cC2765024bFbafad97bCe14FF2e87F",
    "currency": "USDC",
    "rail": "POLYGON"
  },
  "settlement_config": { "auto_settlement": false }
}

{
  "customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
  "counter_party": "FIRST_PARTY",
  "country": "AUS",
  "currency": "USD",
  "account_holder": {
    "type": "INDIVIDUAL",
    "first_name": "Michael",
    "last_name": "Connor",
    "email": "michael.oconnor@example.com",
    "phone": "+61412345678"
  },
  "bank_account": {
    "bank_name": "Commonwealth Bank of Australia",
    "number": "123456789",
    "scheme": "SWIFT",
    "type": "SAVINGS"
  },
  "bank_address": {
    "street_line_1": "Ground Floor Tower 1, 201 Sussex Street",
    "city": "Sydney",
    "state": "AU-SA",
    "postcode": "2000",
    "country": "AUS"
  },
  "account_holder_address": {
    "street_line_1": "42 Wallaby Way",
    "city": "Queensland",
    "state": "AU-SA",
    "postcode": "2000",
    "country": "AUS"
  },
  "receiver_meta_data": {
    "nationality": "AUS",
    "transaction_purpose_id": 1,
    "transaction_purpose_remarks": "Send to Family & Friends",
    "occupation_id": 504,
    "occupation_remarks": "Software quality assurance analyst and tester",
    "relationship": "FAMILY_MEMBER",
    "relationship_remarks": "Family & Friends"
  },
  "bank_routing": [
    { "scheme": "BANK_IDENTIFIER", "number": 3503 },
    { "scheme": "SWIFT", "number": "DBSSSGSG001" }
  ],
  "developer_fee": { "fixed": 1.25, "percentage": 0.45 },
  "deposit_instruction": { "currency": "USDC", "rail": "POLYGON" },
  "refund_instruction": {
    "wallet_address": "0x1b577931C1cC2765024bFbafad97bCe14FF2e87F",
    "currency": "USDC",
    "rail": "POLYGON"
  },
  "settlement_config": { "auto_settlement": false }
}

BGD — Bangladesh

Allowed currencies: BDTBank account

Field	Value
Schemes	`LOCAL`
Number regex	`^[0-9]{6,20}$`

Bank routing

Scheme	Regex	Required when
`BANK_IDENTIFIER`	`^[1-9]\d*$`	`always`
`BRANCH_IDENTIFIER`	`^[1-9]\d*$`	`conditional`

{
  "customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
  "counter_party": "FIRST_PARTY",
  "country": "BGD",
  "currency": "BDT",
  "account_holder": {
    "type": "INDIVIDUAL",
    "first_name": "Afroja",
    "last_name": "Akter",
    "email": "afro@email.com",
    "phone": "+8801688502814"
  },
  "bank_account": {
    "bank_name": "BRAC Bank Limited",
    "number": "1234567890123456",
    "scheme": "LOCAL",
    "type": "SAVINGS"
  },
  "bank_routing": [
    { "scheme": "BANK_IDENTIFIER", "number": 161 },
    { "scheme": "BRANCH_IDENTIFIER", "number": 125 }
  ],
  "bank_address": {
    "street_line_1": "BRAC Bank Tower, 75 Mohakhali",
    "city": "Dhaka",
    "state": "BD-03",
    "postcode": "1212",
    "country": "BGD"
  },
  "account_holder_address": {
    "street_line_1": "42 Dhanmondi Road",
    "city": "Dhaka",
    "state": "BD-03",
    "postcode": "1205",
    "country": "BGD"
  },
  "receiver_meta_data": {
    "nationality": "BGD",
    "transaction_purpose_id": 6,
    "transaction_purpose_remarks": "Education expenses",
    "occupation_id": 210,
    "occupation_remarks": "Software Engineer",
    "relationship": "FAMILY_MEMBER"
  },
  "developer_fee": { "fixed": 2.50, "percentage": 10.5 },
  "deposit_instruction": { "currency": "USDC", "rail": "POLYGON" },
  "refund_instruction": {
    "wallet_address": "0x1234567890123456789012345678901234567890",
    "currency": "USDC",
    "rail": "POLYGON"
  },
  "settlement_config": { "auto_settlement": true }
}

{
  "customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
  "counter_party": "FIRST_PARTY",
  "country": "BGD",
  "currency": "BDT",
  "account_holder": {
    "type": "INDIVIDUAL",
    "first_name": "Fahmi",
    "last_name": "Testbenvtwo",
    "email": "fahmitestbenv2ewallet@email.com",
    "phone": "+8801688502814"
  },
  "account_holder_address": {
    "street_line_1": "42 Chamelibag Shantinagar",
    "city": "Dhaka",
    "state": "BD",
    "postcode": "1217",
    "country": "BGD"
  },
  "receiver_meta_data": {
    "nationality": "BGD",
    "transaction_purpose_id": 1,
    "transaction_purpose_remarks": "Education expenses",
    "occupation_id": 2,
    "occupation_remarks": "Software Engineer",
    "relationship": "FRIEND"
  },
  "e_wallet": {
    "number": "+8801688502814",
    "scheme": "BKASH"
  },
  "developer_fee": { "fixed": 1.55, "percentage": 0.48 },
  "deposit_instruction": { "currency": "USDC", "rail": "POLYGON" },
  "refund_instruction": {
    "wallet_address": "0xabcdef1234567890abcdef1234567890abcdef12",
    "currency": "USDC",
    "rail": "POLYGON"
  },
  "settlement_config": { "auto_settlement": false }
}

CAN — Canada

Allowed currencies: CADBank account

Field	Value
Schemes	`LOCAL`
Number regex	`^[0-9]{7,12}$`

Bank routing

Scheme	Regex	Required when
`BRANCH_CODE`	`^[0-9]{3}$`	`null`
`TRANSIT_NUMBER`	`^[0-9]{5}$`	`local`
`BANK_IDENTIFIER`	`^[1-9]\d*$`	`always`
`BRANCH_IDENTIFIER`	`^[1-9]\d*$`	`conditional`

{
  "customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
  "counter_party": "FIRST_PARTY",
  "country": "CAN",
  "currency": "CAD",
  "account_holder": {
    "type": "INDIVIDUAL",
    "first_name": "Liz",
    "last_name": "Tomford",
    "email": "liztomford@email.com",
    "phone": "+12345678910"
  },
  "bank_account": {
    "bank_name": "Royal Bank of Canada",
    "number": "123456789",
    "scheme": "LOCAL",
    "type": "SAVINGS"
  },
  "bank_address": {
    "street_line_1": "Ground Floor Tower 1, 201 Sussex Street",
    "city": "Alberta",
    "state": "CA-BC",
    "postcode": "2000",
    "country": "CAN"
  },
  "account_holder_address": {
    "street_line_1": "42 Wallaby Way",
    "city": "Vancouver",
    "state": "CA-BC",
    "postcode": "4554",
    "country": "CAN"
  },
  "receiver_meta_data": {
    "nationality": "USA",
    "transaction_purpose_id": 1,
    "transaction_purpose_remarks": "Send to Family & Friends",
    "occupation_id": 504,
    "occupation_remarks": "Software quality assurance analyst and tester",
    "relationship": "FAMILY_MEMBER",
    "relationship_remarks": "Family & Friends"
  },
  "bank_routing": [
    { "scheme": "BANK_IDENTIFIER", "number": 163 },
    { "scheme": "TRANSIT_NUMBER", "number": 50201 }
  ],
  "developer_fee": { "fixed": 1.25, "percentage": 0.45 },
  "deposit_instruction": { "currency": "USDC", "rail": "POLYGON" },
  "refund_instruction": {
    "wallet_address": "0x1b577931C1cC2765024bFbafad97bCe14FF2e87F",
    "currency": "USDC",
    "rail": "POLYGON"
  },
  "settlement_config": { "auto_settlement": false }
}

EU — European Union

Allowed currencies: EUR for all EUR-supported countries in this regionBank account

Field	Value
Schemes	`LOCAL`
Number regex	`^[A-Z0-9]{8}([A-Z0-9]{3})?$`

Bank routing

Scheme	Regex	Required when
`IBAN`	`^[A-Z]{2}[0-9]{2}[A-Z0-9]{11,30}$`	`always`
`BANK_IDENTIFIER`	`^[1-9]\d*$`	`always`
`BRANCH_IDENTIFIER`	`^[1-9]\d*$`	`conditional`

{
  "customer_id": "{{customer_id}}",
  "counter_party": "FIRST_PARTY",
  "country": "FRA",
  "currency": "EUR",
  "account_holder": {
    "type": "INDIVIDUAL",
    "first_name": "Camille",
    "last_name": "Fontaine",
    "email": "camille.fontaine@orange.fr",
    "phone": "+33612345678"
  },
  "bank_account": {
    "bank_name": "BNP Paribas",
    "number": "30004007648",
    "scheme": "LOCAL",
    "type": "SAVINGS"
  },
  "bank_address": {
    "street_line_1": "16 Boulevard des Italiens",
    "city": "Paris",
    "state": "FR-75",
    "postcode": "75009",
    "country": "FRA"
  },
  "account_holder_address": {
    "street_line_1": "24 Rue de Rivoli",
    "city": "Paris",
    "state": "FR-75",
    "postcode": "75004",
    "country": "FRA"
  },
  "receiver_meta_data": {
    "nationality": "FRA",
    "occupation_id": 504,
    "transaction_purpose_id": 1,
    "transaction_purpose_remarks": "Personal remittance for living expenses and family support",
    "relationship": "EMPLOYEE",
    "relationship_remarks": "Individual beneficiary"
  },
  "bank_routing": [
    {
      "scheme": "IBAN",
      "number": "FR7630004007540001957675085"
    },
    {
      "scheme": "BANK_IDENTIFIER",
      "number": 1918
    }
  ],
  "developer_fee": {
    "fixed": 0,
    "percentage": 0
  },
  "deposit_instruction": {
    "currency": "USDC",
    "rail": "POLYGON"
  },
  "refund_instruction": {
    "wallet_address": "0x9c3d57fa82b401e7d2087ab36c1f8e3d20a647b1",
    "currency": "USDC",
    "rail": "POLYGON"
  },
  "settlement_config": {
    "auto_settlement": false
  }
}

{
  "customer_id": "{{customer_id}}",
  "country": "FRA",
  "currency": "USD",
  "account_holder": {
    "type": "BUSINESS",
    "business_name": "Lumiere Tech Solutions SAS",
    "email": "comptabilite@lumieretech.fr",
    "phone": "+33140298765"
  },
  "bank_account": {
    "bank_name": "Societe Generale",
    "number": "30102578492",
    "scheme": "SWIFT",
    "type": "CHECKING"
  },
  "bank_address": {
    "street_line_1": "29 Boulevard Haussmann",
    "city": "Paris",
    "state": "FR-75",
    "postcode": "75009",
    "country": "FRA"
  },
  "account_holder_address": {
    "street_line_1": "12 Rue du Faubourg Saint-Antoine",
    "city": "Paris",
    "state": "FR-75",
    "postcode": "75012",
    "country": "FRA"
  },
  "receiver_meta_data": {
    "nationality": "FRA",
    "transaction_purpose_id": 15,
    "transaction_purpose_remarks": "Payment for B2B software services and technology consulting exports",
    "relationship": "CUSTOMER",
    "relationship_remarks": "Corporate beneficiary"
  },
  "bank_routing": [
    {
      "scheme": "SWIFT",
      "number": "SOGEFRPPXXX"
    },
    {
      "scheme": "BANK_IDENTIFIER",
      "number": 1918
    }
  ],
  "developer_fee": {
    "fixed": 0,
    "percentage": 0
  },
  "deposit_instruction": {
    "currency": "USDC",
    "rail": "POLYGON"
  },
  "refund_instruction": {
    "wallet_address": "0xf4a823cd91e756b30d18ec47f2b0d3e85a91c027",
    "currency": "USDC",
    "rail": "POLYGON"
  },
  "settlement_config": {
    "auto_settlement": false
  }
}

GBR — United Kingdom

Allowed currencies: GBP, USDBank account

Field	Value
Schemes	`LOCAL`, `SWIFT`
Number regex (local)	`^[A-Z0-9]{8}([A-Z0-9]{3})?$`
Number regex (IBAN)	`^[A-Z]{2}[0-9]{2}[A-Z0-9]{11,30}$`

Bank routing

Scheme	Regex	Required when
`SWIFT`	`^[A-Z]{4}[A-Z]{2}[A-Z0-9]{2}([A-Z0-9]{3})?$`	`swift`
`IBAN`	`^[A-Z]{2}[0-9]{2}[A-Z0-9]{11,30}$`	`always`
`BANK_IDENTIFIER`	`^[1-9]\d*$`	`always`
`BRANCH_IDENTIFIER`	`^[1-9]\d*$`	`conditional`

{
  "customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
  "counter_party": "FIRST_PARTY",
  "country": "GBR",
  "currency": "GBP",
  "account_holder": {
    "type": "INDIVIDUAL",
    "first_name": "Michael",
    "last_name": "Connor",
    "email": "michael.oconnor@example.com",
    "phone": "+447912345678"
  },
  "bank_account": {
    "bank_name": "Barclays Bank UK",
    "number": "12345678",
    "scheme": "LOCAL",
    "type": "SAVINGS"
  },
  "bank_address": {
    "street_line_1": "1 Churchill Place",
    "city": "London",
    "state": "GB-ABE",
    "postcode": "E14 5HP",
    "country": "GBR"
  },
  "account_holder_address": {
    "street_line_1": "22 Baker Street",
    "city": "London",
    "state": "GB-ABE",
    "postcode": "W1U 3BW",
    "country": "GBR"
  },
  "receiver_meta_data": {
    "nationality": "GBR",
    "transaction_purpose_id": 1,
    "transaction_purpose_remarks": "Send to Family & Friends",
    "occupation_id": 504,
    "occupation_remarks": "Software quality assurance analyst and tester",
    "relationship": "FAMILY_MEMBER",
    "relationship_remarks": "Family & Friends"
  },
  "bank_routing": [
    {
      "scheme": "IBAN",
      "number": "NW11BKGB2LXXX1223456"
    },
    {
      "scheme": "BANK_IDENTIFIER",
      "number": 274
    }
  ],
  "developer_fee": {
    "fixed": 1.25,
    "percentage": 0.45
  },
  "deposit_instruction": {
    "currency": "USDC",
    "rail": "POLYGON"
  },
  "refund_instruction": {
    "wallet_address": "0x1b577931C1cC2765024bFbafad97bCe14FF2e87F",
    "currency": "USDC",
    "rail": "POLYGON"
  },
  "settlement_config": {
    "auto_settlement": false
  }
}

{
  "customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
  "counter_party": "FIRST_PARTY",
  "country": "GBR",
  "currency": "USD",
  "account_holder": {
    "type": "INDIVIDUAL",
    "first_name": "Michael",
    "last_name": "Connor",
    "email": "michael.oconnor@example.com",
    "phone": "+447912345678"
  },
  "bank_account": {
    "bank_name": "Barclays Bank UK",
    "number": "12345678",
    "scheme": "SWIFT",
    "type": "SAVINGS"
  },
  "bank_address": {
    "street_line_1": "1 Churchill Place",
    "city": "London",
    "state": "GB-ABE",
    "postcode": "E14 5HP",
    "country": "GBR"
  },
  "account_holder_address": {
    "street_line_1": "22 Baker Street",
    "city": "London",
    "state": "GB-ABE",
    "postcode": "W1U 3BW",
    "country": "GBR"
  },
  "receiver_meta_data": {
    "nationality": "GBR",
    "transaction_purpose_id": 1,
    "transaction_purpose_remarks": "Send to Family & Friends",
    "occupation_id": 504,
    "occupation_remarks": "Software quality assurance analyst and tester",
    "relationship": "FAMILY_MEMBER",
    "relationship_remarks": "Family & Friends"
  },
  "bank_routing": [
    {
      "scheme": "BANK_IDENTIFIER",
      "number": 3501
    },
    {
      "scheme": "IBAN",
      "number": "NW11BKGB2LXXX1223456"
    },
    {
      "scheme": "SWIFT",
      "number": "BARCGB22XXX"
    }
  ],
  "developer_fee": {
    "fixed": 1.25,
    "percentage": 0.45
  },
  "deposit_instruction": {
    "currency": "USDC",
    "rail": "POLYGON"
  },
  "refund_instruction": {
    "wallet_address": "0x1b577931C1cC2765024bFbafad97bCe14FF2e87F",
    "currency": "USDC",
    "rail": "POLYGON"
  },
  "settlement_config": {
    "auto_settlement": false
  }
}

IND — India

Allowed currencies: INR, USDBank account

Field	Value
Schemes	`LOCAL`, `SWIFT`
Number regex	`^[0-9]{6,18}$`

Bank routing

Scheme	Regex	Required when
`IFSC`	`^[A-Za-z]{4}0[A-Za-z0-9]{6}$`	`always`
`SWIFT`	`^[A-Z]{4}[A-Z]{2}[A-Z0-9]{2}([A-Z0-9]{3})?$`	`swift`
`BANK_IDENTIFIER`	`^[1-9]\d*$`	`always`
`BRANCH_IDENTIFIER`	`^[1-9]\d*$`	`conditional`

{
  "customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
  "counter_party": "FIRST_PARTY",
  "country": "IND",
  "currency": "INR",
  "account_holder": {
    "type": "INDIVIDUAL",
    "first_name": "Michael",
    "last_name": "Connor",
    "email": "michael.oconnor@example.com",
    "phone": "+919876543210"
  },
  "bank_account": {
    "bank_name": "State Bank of India",
    "number": "12345678901",
    "scheme": "LOCAL",
    "type": "CHECKING"
  },
  "bank_address": {
    "street_line_1": "SBI Tower, Bandra Kurla Complex",
    "city": "Mumbai",
    "state": "IN-AP",
    "postcode": "400051",
    "country": "IND"
  },
  "account_holder_address": {
    "street_line_1": "42 Marine Drive",
    "city": "Mumbai",
    "state": "IN-AP",
    "postcode": "400002",
    "country": "IND"
  },
  "receiver_meta_data": {
    "nationality": "IND",
    "transaction_purpose_id": 4,
    "transaction_purpose_remarks": "Send to Family & Friends",
    "occupation_id": 504,
    "occupation_remarks": "Software quality assurance analyst and tester",
    "relationship": "FAMILY_MEMBER",
    "relationship_remarks": "Family & Friends"
  },
  "bank_routing": [
    {
      "scheme": "BRANCH_IDENTIFIER",
      "number": 30690
    }, 
    { 
      "scheme": "IFSC",
      "number": "ABCD0A1B2C3"
    },
    {
      "scheme": "BANK_IDENTIFIER",
      "number": 1800
    }
  ],
  "developer_fee": {
    "fixed": 1.25,
    "percentage": 0.45
  },
  "deposit_instruction": {
    "currency": "USDC",
    "rail": "POLYGON"
  },
  "refund_instruction": {
    "wallet_address": "0x1b577931C1cC2765024bFbafad97bCe14FF2e87F",
    "currency": "USDC",
    "rail": "POLYGON"
  },
  "settlement_config": {
    "auto_settlement": true
  }
}

{
  "customer_id": "{{customer_id}}",
  "country": "IND",
  "currency": "USD",
  "account_holder": {
    "type": "BUSINESS",
    "business_name": "Zenith Exports Private Limited",
    "email": "finance@zenithexports.in",
    "phone": "+912240867531"
  },
  "bank_account": {
    "bank_name": "ICICI Bank",
    "number": "628374910234567",
    "scheme": "SWIFT",
    "type": "CHECKING"
  },
  "bank_address": {
    "street_line_1": "ICICI Bank Tower, Bandra Kurla Complex",
    "city": "Mumbai",
    "state": "IN-MH",
    "postcode": "400051",
    "country": "IND"
  },
  "account_holder_address": {
    "street_line_1": "Plot 7, MIDC Industrial Area, Andheri East",
    "city": "Mumbai",
    "state": "IN-MH",
    "postcode": "400093",
    "country": "IND"
  },
  "receiver_meta_data": {
    "nationality": "IND",
    "transaction_purpose_id": 13,
    "transaction_purpose_remarks": "Payment for export of manufactured goods",
    "relationship": "CUSTOMER",
    "relationship_remarks": "Corporate beneficiary"
  },
  "bank_routing": [
    {
      "scheme": "IFSC",
      "number": "ICIC0000021"
    },
    {
      "scheme": "SWIFT",
      "number": "ICICINBBMUM"
    },
    {
      "scheme": "BANK_IDENTIFIER",
      "number": 3855
    }
  ],
  "developer_fee": {
    "fixed": 0,
    "percentage": 0
  },
  "deposit_instruction": {
    "currency": "USDC",
    "rail": "POLYGON"
  },
  "refund_instruction": {
    "wallet_address": "0xb2d894f13c67a501e8d409bc27f3e82d1054a8c9",
    "currency": "USDC",
    "rail": "POLYGON"
  },
  "settlement_config": {
    "auto_settlement": false
  }
}

JPN — Japan

Allowed currencies: JPYBank account

Field	Value
Schemes	`LOCAL`
Number regex	`^[0-9]{7}$`

Bank routing

Scheme	Regex	Required when
`BANK_CODE`	`^[0-9]{4}$`	`always`
`BANK_IDENTIFIER`	`^[1-9]\d*$`	`always`
`BRANCH_IDENTIFIER`	`^[1-9]\d*$`	`conditional`

{
  "routing_scheme": "BANK_CODE",
  "routing_value": "<4-digit bank code>",
  "bank_identifier": "<value>",
  "branch_identifier": "<value>"
}

MEX — Mexico

Allowed currencies: MXNBank account

Field	Value
Schemes	`LOCAL`
Number regex	`^\d{18}$`

Bank routing

Scheme	Regex	Required when
`CLABE`	`^\d{18}$`	`local`

Only first-party payouts are currently supported for MXN. Third-party payouts are not available at this time.
auto_settlement must be true for MXN payouts.

      {
        "customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
        "counter_party": "FIRST_PARTY",
        "country": "MEX",
        "currency": "MXN",
        "account_holder": {
          "type": "BUSINESS",
          "business_name": "Acme Corp",
          "email": "contact@acmecorp.com",
          "phone": "+525512345678"
        },
        "bank_account": {
          "bank_name": "STP",
          "number": "646180402301253739",
          "scheme": "LOCAL",
          "type": "CHECKING"
        },
        "bank_routing": [
          {
            "scheme": "CLABE",
            "number": "646180402301253739"
          }
        ],
        "bank_address": {
          "street_line_1": "Paseo de la Reforma 510",
          "city": "Ciudad de Mexico",
          "state": "MX-CMX",
          "postcode": "06600",
          "country": "MEX"
        },
        "account_holder_address": {
          "street_line_1": "Avenida Insurgentes Sur 123",
          "city": "Ciudad de Mexico",
          "state": "MX-CMX",
          "postcode": "01000",
          "country": "MEX"
        },
        "receiver_meta_data": {
          "nationality": "USA",
          "transaction_purpose_id": 1,
          "transaction_purpose_remarks": "Education expenses",
          "occupation_id": 2,
          "occupation_remarks": "Software Engineer",
          "relationship": "FAMILY_MEMBER"
        },
        "developer_fee": {
          "fixed": 0,
          "percentage": 0
        },
        "deposit_instruction": {
          "currency": "USDC",
          "rail": "POLYGON"
        },
        "refund_instruction": {
          "wallet_address": "0x1b577931C1cC2765024bFbafad97bCe14FF2e87F",
          "currency": "USDC",
          "rail": "POLYGON"
        },
        "settlement_config": {
          "auto_settlement": true
        }
      }

NPL — Nepal

Allowed currencies: NPRBank account

Field	Value
Schemes	`LOCAL`
Number regex	`^[0-9]{8,20}$`

Bank routing

Scheme	Regex	Required when
`BANK_IDENTIFIER`	`^[1-9]\d*$`	`always`
`BRANCH_IDENTIFIER`	`^[1-9]\d*$`	`conditional`

{
  "customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
  "counter_party": "FIRST_PARTY",
  "country": "NPL",
  "currency": "NPR",
  "account_holder": {
    "type": "INDIVIDUAL",
    "first_name": "Michael",
    "last_name": "Connor",
    "email": "michael.oconnor@example.com",
    "phone": "+9779801234567"
  },
  "bank_account": {
    "bank_name": "Nabil Bank Limited",
    "number": "00123456789",
    "scheme": "LOCAL",
    "type": "CHECKING"
  },
  "bank_address": {
    "street_line_1": "Durbarmarg",
    "city": "Kathmandu",
    "state": "NP-2",
    "postcode": "44600",
    "country": "NPL"
  },
  "account_holder_address": {
    "street_line_1": "Thamel",
    "city": "Kathmandu",
    "state": "NP-2",
    "postcode": "44600",
    "country": "NPL"
  },
  "receiver_meta_data": {
    "nationality": "NPL",
    "transaction_purpose_id": 7,
    "occupation_id": 15,
    "relationship": "FAMILY_MEMBER",
    "relationship_remarks": "Family & Friends"
  },
  "bank_routing": [
    {
      "scheme": "BANK_IDENTIFIER",
      "number": "1768"
    }
  ],
  "developer_fee": {
    "fixed": 1.25,
    "percentage": 0.45
  },
  "deposit_instruction": {
    "currency": "USDC",
    "rail": "POLYGON"
  },
  "refund_instruction": {
    "wallet_address": "0x1b577931C1cC2765024bFbafad97bCe14FF2e87F",
    "currency": "USDC",
    "rail": "POLYGON"
  },
  "settlement_config": {
    "auto_settlement": false
  }
}

PAK — Pakistan

Allowed currencies: PKRBank account

Field	Value
Schemes	`LOCAL`
Number regex	`^PK[0-9A-Z]{22}$`

Bank routing

Scheme	Regex	Required when
`BANK_IDENTIFIER`	`^[1-9]\d*$`	`always`
`BRANCH_IDENTIFIER`	`^[1-9]\d*$`	`conditional`

{
  "customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
  "counter_party": "FIRST_PARTY",
  "country": "PAK",
  "currency": "PKR",
  "account_holder": {
    "type": "INDIVIDUAL",
    "first_name": "Michael",
    "last_name": "OConnor",
    "email": "michael.oconnor@example.com",
    "phone": "+923001234567"
  },
  "bank_account": {
    "bank_name": "Habib Bank Limited",
    "number": "PK36HABB1234567890123456",
    "scheme": "LOCAL",
    "type": "CHECKING"
  },
  "bank_address": {
    "street_line_1": "Habib Bank Plaza",
    "city": "Karachi",
    "state": "PK-SD",
    "postcode": "74400",
    "country": "PAK"
  },
  "account_holder_address": {
    "street_line_1": "42 Clifton Road",
    "city": "Karachi",
    "state": "PK-SD",
    "postcode": "74400",
    "country": "PAK"
  },
  "receiver_meta_data": {
    "nationality": "PAK",
    "transaction_purpose_id": 2,
    "transaction_purpose_remarks": "Send to Family & Friends",
    "occupation_id": 504,
    "occupation_remarks": "Software quality assurance analyst and tester",
    "relationship": "FAMILY_MEMBER",
    "relationship_remarks": "Family & Friends"
  },
  "bank_routing": [
    {
      "scheme": "BANK_IDENTIFIER",
      "number": 1778
    }
  ],
  "developer_fee": {
    "fixed": 1.25,
    "percentage": 0.45
  },
  "deposit_instruction": {
    "currency": "USDC",
    "rail": "POLYGON"
  },
  "refund_instruction": {
    "wallet_address": "0x1b577931C1cC2765024bFbafad97bCe14FF2e87F",
    "currency": "USDC",
    "rail": "POLYGON"
  },
  "settlement_config": {
    "auto_settlement": true
  }
}

PHL — Philippines

Allowed currencies: PHPBank account

Field	Value
Schemes	`LOCAL`
Number regex	`^[0-9]{8,16}$`

Bank routing

Scheme	Regex	Required when
`BANK_IDENTIFIER`	`^[1-9]\d*$`	`always`
`BRANCH_IDENTIFIER`	`^[1-9]\d*$`	`conditional`

{
  "customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
  "counter_party": "FIRST_PARTY",
  "country": "PHL",
  "currency": "PHP",
  "account_holder": {
    "type": "INDIVIDUAL",
    "first_name": "Michael",
    "last_name": "OConnor",
    "email": "michael.oconnor@example.com",
    "phone": "+639171234567"
  },
  "bank_account": {
    "bank_name": "Bank of the Philippine Islands",
    "number": "1234567890",
    "scheme": "LOCAL",
    "type": "SAVINGS"
  },
  "bank_address": {
    "street_line_1": "BPI Buendia Branch",
    "city": "Makati City",
    "state": "PH-03",
    "postcode": "1200",
    "country": "PHL"
  },
  "account_holder_address": {
    "street_line_1": "42 Ayala Avenue",
    "city": "Makati City",
    "state": "PH-03",
    "postcode": "1200",
    "country": "PHL"
  },
  "receiver_meta_data": {
    "nationality": "PHL",
    "transaction_purpose_id": 3,
    "transaction_purpose_remarks": "Send to Family & Friends",
    "occupation_id": 500,
    "occupation_remarks": "Software quality assurance analyst and tester",
    "relationship": "FAMILY_MEMBER",
    "relationship_remarks": "Family & Friends"
  },
  "bank_routing": [
    {
      "scheme": "BANK_IDENTIFIER",
      "number": 1770
    }
  ],
  "developer_fee": {
    "fixed": 1.25,
    "percentage": 0.45
  },
  "deposit_instruction": {
    "currency": "USDC",
    "rail": "POLYGON"
  },
  "refund_instruction": {
    "wallet_address": "0x1b577931C1cC2765024bFbafad97bCe14FF2e87F",
    "currency": "USDC",
    "rail": "POLYGON"
  },
  "settlement_config": {
    "auto_settlement": false
  }
}

SGP — Singapore

Allowed currencies: SGD, USDBank account

Field	Value
Schemes	`LOCAL`, `SWIFT`
Number regex	`^[0-9]{7,11}$`

Bank routing

Scheme	Regex	Required when
`SWIFT`	`^[A-Z]{4}[A-Z]{2}[A-Z0-9]{2}([A-Z0-9]{3})?$`	`swift`
`BANK_IDENTIFIER`	`^[1-9]\d*$`	`always`
`BRANCH_IDENTIFIER`	`^[1-9]\d*$`	`conditional`

{
  "customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
  "counter_party": "FIRST_PARTY",
  "country": "SGP",
  "currency": "SGD",
  "account_holder": {
    "type": "INDIVIDUAL",
    "first_name": "Michael",
    "last_name": "Connor",
    "email": "michael.oconnor@example.com",
    "phone": "+6591234567"
  },
  "bank_account": {
    "bank_name": "DBS Bank",
    "number": "1234567890",
    "scheme": "LOCAL",
    "type": "SAVINGS"
  },
  "bank_address": {
    "street_line_1": "12 Marina Boulevard",
    "city": "Singapore",
    "state": "SG-02",
    "postcode": "018982",
    "country": "SGP"
  },
  "account_holder_address": {
    "street_line_1": "5 Shenton Way",
    "city": "Singapore",
    "state": "SG-02",
    "postcode": "068808",
    "country": "SGP"
  },
  "receiver_meta_data": {
    "nationality": "SGP",
    "transaction_purpose_id": 1,
    "transaction_purpose_remarks": "Send to Family & Friends",
    "occupation_id": 504,
    "occupation_remarks": "Software quality assurance analyst and tester",
    "relationship": "FAMILY_MEMBER",
    "relationship_remarks": "Family & Friends"
  },
  "bank_routing": [
    {
      "scheme": "BANK_IDENTIFIER",
      "number": 1782
    }
  ],
  "developer_fee": {
    "fixed": 1.25,
    "percentage": 0.45
  },
  "deposit_instruction": {
    "currency": "USDC",
    "rail": "POLYGON"
  },
  "refund_instruction": {
    "wallet_address": "0x1b577931C1cC2765024bFbafad97bCe14FF2e87F",
    "currency": "USDC",
    "rail": "POLYGON"
  },
  "settlement_config": {
    "auto_settlement": true
  }
}

{
  "customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
  "counter_party": "FIRST_PARTY",
  "country": "SGP",
  "currency": "USD",
  "account_holder": {
    "type": "INDIVIDUAL",
    "first_name": "Michael",
    "last_name": "Connor",
    "email": "michael.oconnor@example.com",
    "phone": "+6591234567"
  },
  "bank_account": {
    "bank_name": "DBS Bank",
    "number": "1234567890",
    "scheme": "SWIFT",
    "type": "SAVINGS"
  },
  "bank_address": {
    "street_line_1": "12 Marina Boulevard",
    "city": "Singapore",
    "state": "SG-02",
    "postcode": "018982",
    "country": "SGP"
  },
  "account_holder_address": {
    "street_line_1": "5 Shenton Way",
    "city": "Singapore",
    "state": "SG-02",
    "postcode": "068808",
    "country": "SGP"
  },
  "receiver_meta_data": {
    "nationality": "SGP",
    "transaction_purpose_id": 1,
    "transaction_purpose_remarks": "Send to Family & Friends",
    "occupation_id": 504,
    "occupation_remarks": "Software quality assurance analyst and tester",
    "relationship": "FAMILY_MEMBER",
    "relationship_remarks": "Family & Friends"
  },
  "bank_routing": [
    {
      "scheme": "SWIFT",
      "number": "DBSSSGSG"
    },
    {
      "scheme": "BANK_IDENTIFIER",
      "number": 3499
    }
  ],
  "developer_fee": {
    "fixed": 1.25,
    "percentage": 0.45
  },
  "deposit_instruction": {
    "currency": "USDC",
    "rail": "POLYGON"
  },
  "refund_instruction": {
    "wallet_address": "0x1b577931C1cC2765024bFbafad97bCe14FF2e87F",
    "currency": "USDC",
    "rail": "POLYGON"
  },
  "settlement_config": {
    "auto_settlement": false
  }
}

USA — United States

Allowed currencies: USDBank account

Field	Value
Schemes	`LOCAL`, `SWIFT`
Number regex	`^[0-9]{4,17}$`
Account types	`CHECKING`, `SAVINGS`

Bank routing

Scheme	Regex	Required when
`ACH`	`^[0-9]{9}$`	`conditional`
`FEDWIRE`	`^[0-9]{9}$`	`conditional`
`SWIFT`	`^[A-Z]{4}[A-Z]{2}[A-Z0-9]{2}([A-Z0-9]{3})?$`	`swift`
`BANK_IDENTIFIER`	`^[0-9]{1}$`	`always`

{
  "customer_id": "8e08ca88-df60-41e7-b1ed-ff8f95480ff0",
  "counter_party": "FIRST_PARTY",
  "country": "USA",
  "currency": "USD",
  "account_holder": {
    "type": "BUSINESS",
    "business_name": "Rivertel",
    "email": "rivertel@rivertel.com",
    "phone": "+1041555526"
  },
  "bank_account": {
    "bank_name": "Column NA - Brex",
    "number": "202063425871811",
    "scheme": "LOCAL",
    "type": "CHECKING"
  },
  "bank_address": {
    "street_line_1": "7409 37th Ave Ste 403",
    "city": "Jackson Heights",
    "state": "US-CA",
    "postcode": "11372",
    "country": "USA"
  },
  "account_holder_address": {
    "street_line_1": "7409 37th Ave Ste 403",
    "city": "Jackson Heights",
    "state": "US-CA",
    "postcode": "11372",
    "country": "USA"
  },
  "receiver_meta_data": {
    "nationality": "USA",
    "transaction_purpose_id": 15,
    "transaction_purpose_remarks": "Business payment",
    "relationship": "FAMILY_MEMBER",
    "relationship_remarks": "Corporate beneficiary"
  },
  "bank_routing": [
    {
      "scheme": "ACH",
      "number": "121145349"
    },
    {
      "scheme": "BANK_IDENTIFIER",
      "number": "1"
    }
  ],
  "developer_fee": {
    "fixed": null,
    "percentage": 0.65
  },
  "deposit_instruction": {
    "currency": "USDC",
    "rail": "POLYGON"
  },
  "refund_instruction": {
    "wallet_address": "0x838c562c55c4e515417ea15b852ffa2bded9b990",
    "currency": "USDC",
    "rail": "POLYGON"
  },
  "settlement_config": {
    "auto_settlement": false
  }
}

{
  "customer_id": "{{customer_id}}",
  "counter_party": "FIRST_PARTY",
  "country": "USA",
  "currency": "USD",
  "account_holder": {
    "type": "BUSINESS",
    "business_name": "Meridian Cargo Solutions LLC",
    "email": "accounts@meridiancargosolutions.com",
    "phone": "+17189042371"
  },
  "bank_account": {
    "bank_name": "Column NA - Brex",
    "number": "787212236285345",
    "scheme": "SWIFT",
    "type": "CHECKING"
  },
  "bank_address": {
    "street_line_1": "1 Letterman Drive A Suite A4-700",
    "city": "San Francisco",
    "state": "US-CA",
    "postcode": "94129",
    "country": "USA"
  },
  "account_holder_address": {
    "street_line_1": "8437 170th St",
    "city": "Jamaica",
    "state": "US-NY",
    "postcode": "11432",
    "country": "USA"
  },
  "receiver_meta_data": {
    "nationality": "USA",
    "transaction_purpose_id": 14,
    "transaction_purpose_remarks": "International trade payment for logistics and freight services",
    "relationship": "FRIEND",
    "relationship_remarks": "Corporate beneficiary"
  },
  "bank_routing": [
    {
      "scheme": "ACH",
      "number": "121145349"
    },
    {
      "scheme": "SWIFT",
      "number": "CLNOUS66BRX"
    },
    {
      "scheme": "BANK_IDENTIFIER",
      "number": 3498
    }
  ],
  "developer_fee": {
    "fixed": 0,
    "percentage": 0
  },
  "deposit_instruction": {
    "currency": "USDC",
    "rail": "POLYGON"
  },
  "refund_instruction": {
    "wallet_address": "0x4e9ce36e442e55ecd9025b9a6e0d88485d628a67",
    "currency": "USDC",
    "rail": "POLYGON"
  },
  "settlement_config": {
    "auto_settlement": true
  }
}

Customers

Beneficiaries

Funding & Balances

Compliance

Pricing & Coverages

Orchestration Dashboard

Webhooks

Crypto Orchestration

Operational Information

Bank account & routing number validation rules

Required when values

​Required when values

Required when values