Straddle Docs

API Reference

Dashboard

Update a customer verification status

Address line 2 (e.g., apartment, suite, unit, or building)

Two letter abbreviation of the state in which the customer is located

Postal code of customer permanent location.

ISO 8601 formatted Date of birth for individual customers. IF DOB IS PROVIDED SSN IS REQUIRED

Full 9 digits of the a business’ Employer Identification Number.

Two letter abbreviation of the state in which the business was originally registered.

Full 9 digits of the an individual ‘s Social Security Number or government identifier. IF SSN IS PROVIDED DOB IS REQUIRED

The date and time when the customer was created

A unique string value attached to a customer which can be used for traceability between Straddle and your application.

Unique customer token generated by Straddle UUID.

The customer’s full name or business name

The consumer's phone number in E.164 format. A mobile phone number is preferred

The date and time when the customer was updated

Customer's IP address. If no IP API user will be instructed to provide 0.0.0.0

A human-readable description of the status.

Bearer

We're here to help you build better bank payments.

Overview

Welcome to Straddle

A quick overview of how Straddle is structured

Core Concepts

Start building open banking payment experiences in minutes

Quickstart

Introduction to Straddle's unified API for account-to-account payments

Pay by Bank

A (really) big list of key terms and concepts for the Straddle platform

Glossary

If you can solve identity in payments, the rest is just accounting.

Customers

Understanding Straddle's risk assessment system, including decision logic, risk scores, and correlation scores

Models & Scoring

Understanding the reason codes returned by Straddle's Identity verification process

Reason Codes

Watchlists are used to prevent money-launding and terrorism.

Watchlists

Learn how to use the Bridge open-banking platform to securely connect identities to bank accounts and generate Paykeys for initiating payments

A new kind of token for secure account-to-account payments

Paykeys

The Widget is a pre-built UI component that allows you to accept payments from customers using their bank accounts.

Widget

Integrating Plaid with Straddle to create paykeys for account-to-account payments

Plaid

Plaid Integration

The Bridge API allows you to create paykeys using raw bank account details.

Manual Entry

Manual Entry Bank Accounts

Supercharge platform payments with Straddle Embed

Instantly onboard new merchants with Straddle Embed

Onboarding

Manage multiple accounts under a single umbrella

Organizations

Accounts

Manage representatives for your Straddle accounts

Representatives

Manage linked bank accounts for your users

Linked Bank Accounts

Capabilities

Learn about synthetic identity fraud, its impact on businesses, and how Straddle can help

Synthetic Identity Fraud

WALDO is Straddle's proprietary identity matching algorithm designed to securely and accurately verify that a customer's identity matches the ownership details of their bank account.

WALDO

WALDO: Identity Matching

An overview of the Straddle API structure and usage

Introduction

Learn how to authenticate your requests to the Straddle API

Authentication

Understanding and using Straddle's sandbox and production environments

Environments

Understanding the structure of Straddle API responses

Response Format

Learn how to interpret and handle HTTP errors when working with the Straddle API

Errors

Learn how to use Request ID and Correlation ID for debugging and tracing API requests

Request & Correlation ID

Learn how to use metadata to attach custom information to Straddle objects

Metadata

Learn how to make API calls on behalf of your embedded accounts as a Straddle platform

Embedded Accounts

Retrieve a customer

Update a customer

Delete a customer

Search customers

Create a customer

Retrieve a customer unmasked

Review a customer verification result

Create a paykey

Retrieve a paykey

Retrieve a paykey unmasked

Search paykeys

Get a charge.

Update a charge.

Create a charge.

Hold a charge.

Release a charge.

Cancel a charge.

Get a payout.

Update a payout.

Create a payout.

Retrieves a list of organizations associated with your Straddle integration. The organizations are returned sorted by creation date, with the most recently created organizations appearing first. This endpoint supports filtering options to help you find specific organizations.

List organizations

Creates a new organization in the Straddle system. Organizations can be used to group related accounts and manage permissions across multiple users.

Create a new organization

Retrieves the details of an account that has previously been created. Supply the unique account ID that was returned from your previous request, and Straddle will return the corresponding account information.

Retrieve account details

Updates an existing account's information. This endpoint allows you to update various account details during onboarding or after the account has been created.

Update an existing account

Returns a list of accounts associated with your Straddle platform integration. <br /> <br /> The accounts are returned sorted by creation date, with the most recently created accounts appearing first. This endpoint supports pagination and sorting options to help you efficiently manage large numbers of accounts.

List all accounts

Creates a new account associated with your Straddle platform integration. This endpoint allows you to set up an account with specified details, including business information and access levels.

Create a new account

Initiates the onboarding process for a new account. This endpoint can only be used for accounts where at least one representative and one bank account have already been created.

Initiate account onboarding

Returns a list of representatives associated with a specific account or organization. <br /> <br /> The representatives are returned sorted by creation date, with the most recently created representatives appearing first. This endpoint supports pagination to handle accounts with multiple representatives.

List all representatives

Creates a new representative for an account or organization. Representatives are individuals who have legal authority or significant responsibility within the business.

Create a new representative

Retrieves the details of a representative that has previously been created. Supply the unique representative ID, and Straddle will return the corresponding representative information.

Retrieve representative details

Updates an existing representative's information. This can be used to update personal details, contact information, or the relationship to the account or organization.

Update a representative

Returns a list of bank accounts associated with a specific Straddle account. The linked bank accounts are returned sorted by creation date, with the most recently created appearing first. This endpoint supports pagination to handle accounts with multiple linked bank accounts.

List all linked bank accounts

Creates a new linked bank account for a Straddle account. This endpoint allows you to associate external bank accounts with a Straddle account for various payment operations such as payment deposits, payout withdrawals, and more.

Create a new linked bank account

Retrieves the details of a linked bank account that has previously been created. Supply the unique linked bank account ID, and Straddle will return the corresponding information. The response includes masked account details for security purposes.

Retrieve linked bank account details

Updates an existing linked bank account's information. This can be used to update account details during onboarding or to update metadata associated with the linked account. The linked bank account must be in 'created' or 'onboarding' status.

Update a linked bank account

Retrieves the unmasked details of a linked bank account that has previously been created. Supply the unique linked bank account ID, and Straddle will return the corresponding information, including sensitive details. This endpoint requires additional authentication and should be used with caution.

Retrieve unmasked linked bank account details

Retrieves a list of capability requests associated with an account. The requests are returned sorted by creation date, with the most recent requests appearing first. This endpoint supports filtering options to help you track the status of various capability requests.

List capability requests

Submits a new request to enable a specific capability for an account. Use this endpoint to request additional features or services for an account.

API Documentation

Customers

Bridge

Paykeys

Payments

Embed

Update a customer verification status

Authorizations

Headers

Path Parameters

Body

Response