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The Payments API provides multiple funding options for deposits and withdrawals. Users can fund their accounts via bank transfers (ACH) through Aeropay or card payments through Checkout.com.
Authentication Required - All payment endpoints require a valid access token. See Authentication Setup for setup instructions.

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Payment Methods

MethodProviderTypeSpeed
Bank Transfer (ACH)AeropayBank account linking1-3 business days
Debit/Credit CardCheckout.comCard paymentsInstant
Apple PayCheckout.comMobile walletInstant

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APIs

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Aeropay API

Bank account linking and ACH transfers. Orchestrated Endpoints (Recommended):
MethodEndpointDescription
POST/v1/aeropay/initializeStart bank linking - handles user creation and MFA automatically
POST/v1/aeropay/validate-mfaSubmit MFA code if required
GET/v1/aeropay/methodsList payment methods with limits
POST/v1/aeropay/depositsCreate ACH deposit
POST/v1/aeropay/withdrawalsCreate ACH withdrawal
Aeropay Integration Guide

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Checkout API

Card payment processing:
MethodEndpointDescription
POST/v1/checkout/payment-sessionsRequest payment session for card tokenization
POST/v1/checkout/instrumentsSave tokenized card as instrument
POST/v1/checkout/depositsProcess card or Apple Pay deposit
POST/v1/checkout/withdrawalsProcess card or Apple Pay withdrawal
Checkout Integration Guide

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Funding API

Manage funding sources and transactions:
MethodEndpointDescription
GET/v1/funding/sourcesList funding sources
GET/v1/funding/accountsList funding accounts
PATCH/v1/funding/accounts/{id}Update funding account
GET/v1/funding/transactionsView transaction history
GET/v1/funding/transaction-requirementsCheck withdrawal requirements
Funding Management

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Typical Integration Flow

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New User Onboarding

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Deposit Flow

  1. Select funding source - User chooses linked bank/card
  2. Check limits - Validate amount against transaction limits
  3. Enter amount - Collect deposit amount
  4. Confirm - Process the deposit
  5. Track status - Monitor transaction completion

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Withdrawal Flow

  1. Check withdrawal requirements - Get withdrawal requirements from funding source
  2. Select destination - User chooses where to send funds
  3. Enter amount - Validate against available balance and requirements
  4. Confirm - Process the withdrawal
  5. Track status - Monitor transaction completion

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Funding Source Types

The FundingSourceType enum identifies the payment method:
TypeDescription
FUNDING_SOURCE_TYPE_BANK_ACCOUNTTraditional bank account
FUNDING_SOURCE_TYPE_AEROPAY_BANK_ACCOUNTAeropay-linked bank account
FUNDING_SOURCE_TYPE_CHECKOUT_CARDTokenized payment card
FUNDING_SOURCE_TYPE_APPLE_PAYApple Pay

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Transaction States

StateDescription
TRANSACTION_STATE_ACKNOWLEDGEDTransaction received
TRANSACTION_STATE_PROCESSINGBeing processed
TRANSACTION_STATE_COMPLETEDSuccessfully completed
TRANSACTION_STATE_CANCELLEDCancelled
TRANSACTION_STATE_ALLOCATEDFunds allocated
TRANSACTION_STATE_REFUNDEDFully refunded
TRANSACTION_STATE_PARTIALLY_REFUNDEDPartially refunded

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Transaction Types

TypeDescription
TRANSACTION_TYPE_DEPOSITFunds deposited
TRANSACTION_TYPE_WITHDRAWALFunds withdrawn
TRANSACTION_TYPE_TRANSFERInternal transfer
TRANSACTION_TYPE_EXECUTION_FEETrading fee
TRANSACTION_TYPE_SETTLEMENT_FEESettlement fee

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Best Practices

  1. Use orchestrated endpoints - For Aeropay, use /v1/aeropay/initialize instead of primitive endpoints
  2. Check limits before transactions - Use the Aeropay methods or funding transaction requirements APIs
  3. Check withdrawal requirements - Always check withdrawal requirements before processing
  4. Handle all states - Implement UI for pending, success, and failure
  5. Implement webhooks - Don’t rely solely on polling for status updates
  6. Validate amounts client-side - Reduce failed API calls
  7. Store payment method IDs - Cache linked payment methods for faster checkout