Add a Bank Account
curl --request POST \
--url https://api-sandbox.finogates.com/v1/platform/bank/add-bank-manually \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data '
{
"user_id": "b3a9b622-cc63-4d3c-aad6-2d8e29e6f9d4",
"account_holder_name": "John Doe",
"bank_account_number": "1234567890",
"routing_number": "021000021",
"account_type": "checking"
}
'import requests
url = "https://api-sandbox.finogates.com/v1/platform/bank/add-bank-manually"
payload = {
"user_id": "b3a9b622-cc63-4d3c-aad6-2d8e29e6f9d4",
"account_holder_name": "John Doe",
"bank_account_number": "1234567890",
"routing_number": "021000021",
"account_type": "checking"
}
headers = {
"Authorization": "Bearer <token>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
body: JSON.stringify({
user_id: 'b3a9b622-cc63-4d3c-aad6-2d8e29e6f9d4',
account_holder_name: 'John Doe',
bank_account_number: '1234567890',
routing_number: '021000021',
account_type: 'checking'
})
};
fetch('https://api-sandbox.finogates.com/v1/platform/bank/add-bank-manually', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api-sandbox.finogates.com/v1/platform/bank/add-bank-manually",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'user_id' => 'b3a9b622-cc63-4d3c-aad6-2d8e29e6f9d4',
'account_holder_name' => 'John Doe',
'bank_account_number' => '1234567890',
'routing_number' => '021000021',
'account_type' => 'checking'
]),
CURLOPT_HTTPHEADER => [
"Authorization: Bearer <token>",
"Content-Type: application/json"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api-sandbox.finogates.com/v1/platform/bank/add-bank-manually"
payload := strings.NewReader("{\n \"user_id\": \"b3a9b622-cc63-4d3c-aad6-2d8e29e6f9d4\",\n \"account_holder_name\": \"John Doe\",\n \"bank_account_number\": \"1234567890\",\n \"routing_number\": \"021000021\",\n \"account_type\": \"checking\"\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("Authorization", "Bearer <token>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api-sandbox.finogates.com/v1/platform/bank/add-bank-manually")
.header("Authorization", "Bearer <token>")
.header("Content-Type", "application/json")
.body("{\n \"user_id\": \"b3a9b622-cc63-4d3c-aad6-2d8e29e6f9d4\",\n \"account_holder_name\": \"John Doe\",\n \"bank_account_number\": \"1234567890\",\n \"routing_number\": \"021000021\",\n \"account_type\": \"checking\"\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api-sandbox.finogates.com/v1/platform/bank/add-bank-manually")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"user_id\": \"b3a9b622-cc63-4d3c-aad6-2d8e29e6f9d4\",\n \"account_holder_name\": \"John Doe\",\n \"bank_account_number\": \"1234567890\",\n \"routing_number\": \"021000021\",\n \"account_type\": \"checking\"\n}"
response = http.request(request)
puts response.read_body{
"status_code": 201,
"data": {
"payment_method_id": "e5f6a7b8-c9d0-1234-5678-9abcdef01234",
"user_id": "b3a9b622-cc63-4d3c-aad6-2d8e29e6f9d4",
"method_type": "bank",
"status": "active",
"card_transfer_aft_enabled": false,
"card_transfer_oct_enabled": false,
"bank_name": "Example Bank",
"account_mask": "****7890",
"routing_last4": "0021",
"account_type": "checking",
"account_holder_name": "John Doe",
"rail_code": "ach",
"rail_capabilities": {},
"created_at": "2026-04-01T10:30:00Z"
},
"query_generated_time": 1712847600000
}{
"detail": [
{
"loc": [
"<string>"
],
"msg": "<string>",
"type": "<string>"
}
]
}Add Bank Account
Save a bank account so one of your users can pay with it.
The bank account is stored safely and kept encrypted. After it is saved, our responses only ever show a masked version (a masked account number and the last 4 digits of the routing number) — the full account number is never shown again.
What you need to send
user_id— the user this bank account belongs toaccount_holder_name— the name on the bank accountbank_account_number— the full bank account numberrouting_number— the bank’s 9-digit routing number
POST
/
v1
/
platform
/
bank
/
add-bank-manually
Add a Bank Account
curl --request POST \
--url https://api-sandbox.finogates.com/v1/platform/bank/add-bank-manually \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data '
{
"user_id": "b3a9b622-cc63-4d3c-aad6-2d8e29e6f9d4",
"account_holder_name": "John Doe",
"bank_account_number": "1234567890",
"routing_number": "021000021",
"account_type": "checking"
}
'import requests
url = "https://api-sandbox.finogates.com/v1/platform/bank/add-bank-manually"
payload = {
"user_id": "b3a9b622-cc63-4d3c-aad6-2d8e29e6f9d4",
"account_holder_name": "John Doe",
"bank_account_number": "1234567890",
"routing_number": "021000021",
"account_type": "checking"
}
headers = {
"Authorization": "Bearer <token>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
body: JSON.stringify({
user_id: 'b3a9b622-cc63-4d3c-aad6-2d8e29e6f9d4',
account_holder_name: 'John Doe',
bank_account_number: '1234567890',
routing_number: '021000021',
account_type: 'checking'
})
};
fetch('https://api-sandbox.finogates.com/v1/platform/bank/add-bank-manually', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api-sandbox.finogates.com/v1/platform/bank/add-bank-manually",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'user_id' => 'b3a9b622-cc63-4d3c-aad6-2d8e29e6f9d4',
'account_holder_name' => 'John Doe',
'bank_account_number' => '1234567890',
'routing_number' => '021000021',
'account_type' => 'checking'
]),
CURLOPT_HTTPHEADER => [
"Authorization: Bearer <token>",
"Content-Type: application/json"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api-sandbox.finogates.com/v1/platform/bank/add-bank-manually"
payload := strings.NewReader("{\n \"user_id\": \"b3a9b622-cc63-4d3c-aad6-2d8e29e6f9d4\",\n \"account_holder_name\": \"John Doe\",\n \"bank_account_number\": \"1234567890\",\n \"routing_number\": \"021000021\",\n \"account_type\": \"checking\"\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("Authorization", "Bearer <token>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api-sandbox.finogates.com/v1/platform/bank/add-bank-manually")
.header("Authorization", "Bearer <token>")
.header("Content-Type", "application/json")
.body("{\n \"user_id\": \"b3a9b622-cc63-4d3c-aad6-2d8e29e6f9d4\",\n \"account_holder_name\": \"John Doe\",\n \"bank_account_number\": \"1234567890\",\n \"routing_number\": \"021000021\",\n \"account_type\": \"checking\"\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api-sandbox.finogates.com/v1/platform/bank/add-bank-manually")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"user_id\": \"b3a9b622-cc63-4d3c-aad6-2d8e29e6f9d4\",\n \"account_holder_name\": \"John Doe\",\n \"bank_account_number\": \"1234567890\",\n \"routing_number\": \"021000021\",\n \"account_type\": \"checking\"\n}"
response = http.request(request)
puts response.read_body{
"status_code": 201,
"data": {
"payment_method_id": "e5f6a7b8-c9d0-1234-5678-9abcdef01234",
"user_id": "b3a9b622-cc63-4d3c-aad6-2d8e29e6f9d4",
"method_type": "bank",
"status": "active",
"card_transfer_aft_enabled": false,
"card_transfer_oct_enabled": false,
"bank_name": "Example Bank",
"account_mask": "****7890",
"routing_last4": "0021",
"account_type": "checking",
"account_holder_name": "John Doe",
"rail_code": "ach",
"rail_capabilities": {},
"created_at": "2026-04-01T10:30:00Z"
},
"query_generated_time": 1712847600000
}{
"detail": [
{
"loc": [
"<string>"
],
"msg": "<string>",
"type": "<string>"
}
]
}Authorizations
The access token received from the authorization server in the OAuth 2.0 flow.
Body
application/json
Add a bank account as a payment method.
Owner user UUID.
Example:
"b3a9b622-cc63-4d3c-aad6-2d8e29e6f9d4"
Name of the account holder.
Maximum string length:
120Example:
"John Doe"
Full bank account number.
Required string length:
4 - 34Example:
"1234567890"
ACH routing number (9 digits).
Required string length:
9Example:
"021000021"
Account type (e.g. checking, savings).
Maximum string length:
30Example:
"checking"
Response
The saved bank account (sensitive numbers masked).

