/* Target SVGs within the navbar that use the mask-image style */
#navbar svg[style*="mask-image"] {
  background-color: #85affd !important; /* Force the desired blue background */
}

/* Set the light mode background color */
html:not(.dark) {
  background-color: #f8f4f2 !important;
} 

Core Sanctions and Enforcement Lists

Watchlists are used to prevent money-launding and terrorism.

Watchlists

Straddle Docs

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

Welcome

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.

Overview

Manage end users who send or receive payments through your integration

Customers

Identify and stio friendly fraud with consumer identity data powered by Straddle's consortium network

Reputation

Understanding Business Identity verification

Business Identity

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

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

Drop-in UI component to securely connect user bank accounts to your application.

Widget

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

Paykeys

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

Plaid Token

Plaid

Use Quiltt processor tokens to create paykeys for account-to-account payments through Straddle Bridge API

Quiltt Token

Create paykeys from Quiltt tokens

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

Bank Account

Bank Accounts

Supercharge your platform payments with Straddle Embed

Learn when and how to use the Straddle-Account-Id header for API requests based on your platform type (Marketplace or SaaS) and the operation being performed.

Using the API

Platform API Interactions

Instantly onboard new merchants with Straddle Embed

Onboarding

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 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

Python SDK

Get started with the Straddle Node.js SDK

Node.js SDK

Ruby SDK

Use this endpoint to verify and onboard a new customer.

Create a customer

Use this endpoint to update an existing customer.

Update a Customer

Update a customer

Use this endpoint to retrieve a customer record by its unique `id`.

Lookup a customer

Use this endpoint to review the identity and risk scores of an existing customer.

Review a customer

Use this endpoint to update the status of a customer who was flagged for [review](/api/customers/review). You can set the new status to `verified` or `rejected`.

Decision a customer

Use this endpoint to unmask a customer's sensitive PII data.

Unmask customer data

Permanently removes a customer record from Straddle. This action cannot be undone and should only be used to satisfy regulatory requirements or for privacy compliance.

Delete a customer

Use this endpoint to list or search for customers using filters or query parameters

List customers

Use this endpoint to generate a session token for the Bridge widget.

Initiate a widget session

Use this endpoint to use the Bridge API with a Plaid token.

Bridge a Plaid token

Use this endpoint to use the Bridge API with a Quiltt token.

Bridge a Quiltt token

Use this endpoint to use the Bridge API with a 'raw' bank account.

Bridge a bank account

Use this endpoint to retrieve a paykey by its unique `id`.

Lookup a paykey

Use this endpoint to unmask a paykey's sensitive bank account data.

Unmask paykey data

Use this endpoint to search for paykeys using filters or query parameters.

Search paykeys

Create charges to collect payments from your customers for the goods or services you provide.

Create a charge

Update a charge to change the amount, date, or other details.

Update a charge

Use this endpoint to retrieve a charge by its unique `id`.

Lookup a charge

Place a charge on hold to prevent it from being processed. Only charges in `created` status can be placed on hold.

Hold a charge

Release a charge from hold to allow it to be processed. Only charges in `hold` status can be released.

Release a charge

Cancel a charge to prevent it from being processed. Only charges in a `created` or `hold` status can be canceled.

Cancel a charge

Use payouts to send money to your customers.

Create a payout

Update a payout to change the amount, date, or other details.

Update a payout

Use this endpoint to retrieve a payout by its unique `id`.

Lookup a payout

Hold a payout to prevent it from being processed. The status of the payout must be `created`, `scheduled`, or `on_hold`.

Hold a payout

Release a payout from hold to allow it to be processed. Only payouts in `hold` status can be released.

Release a payout

Cancel a payout to prevent it from being sent. Only payouts in `created` or `hold` status can be canceled.

Cancel a payout

Use this endpoint to list or search for funding events using filters or query parameters

List funding events

Use this endpoint to get line item details for every payment in a funding event.

Lookup funding details

Search for all Payments

Learn the basics of deploying, ingesting, and verifying webhooks from Straddle.

Webhooks 101

Learn how to configure endpoints to start receiving and testing Straddle webhooks

Endpoints & Testing

Get a stream of events by polling, without having to set up a webhook endpoint.

Polling Endpoints

A comprehensive guide to all webhook events available in the Straddle platform

Event Catalog

Learn how to locate and filter webhook delivery logs for specific messages

Filtering Logs

Learn how Straddle handles webhook replays and failed delivery attempts

Replays and Retries

Understanding the importance of verifying webhooks from Straddle

Why Verify Webhooks

Guide to manually verify webhook signatures without libraries

Manual Verification

Learn how to securely verify webhook payloads from Straddle using Svix

Webhook Security SDKs

Secure communication between Straddle and your endpoints

Trusted IPs

Trusted IP Lists

Bring your Plaid bank connections to Straddle

Bring your Quiltt bank connections to Straddle

Quiltt

Zapier

Product updates and announcements for Straddle in 2025

2025 Updates

Changelog

Product updates and announcements for Straddle in 2024.

2024 Updates

Changelog 2024

Supercharge platform payments with Straddle Embed

Guide for integrating the Straddle hosted onboarding form into your platform

Hosted Onboarding

A comprehensive guide to integrating and customizing the Straddle embed form in your React application

Embed React Component

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

Create test accounts quickly in the Straddle sandbox

Platform Sandbox Quickstart

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

Create an organization

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 advanced sorting and filtering options to help you find specific organizations.

List organizations

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

Create an account

This endpoint allows you to update various account details during onboarding or after the account has been created.

Update an account

Lookup an account

Returns a list of accounts associated with your Straddle platform. The accounts are returned sorted by creation date, with the most recently created accounts appearing first. This endpoint supports advanced sorting and filtering options.

List accounts

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

Onboard an account

Simulate onboarding status events transitions when testing in sandbox. This endpoint can only be used for sandbox accounts.

Simulate onboarding

Simulate account onboarding in sandbox

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

Create a representative

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

Retrieves the details of an existing representative. Supply the unique representative ID, and Straddle will return the corresponding representative information.

Source Name	Country
EU External Action Service - Consolidated list of Sanctions	EU
OFAC SDN List	US
OFAC Consolidated List	US
United Nations Consolidated	UN
United Kingdom HM Treasury Office of Financial Sanctions Implementation Consolidated List	GB
Consolidated Canadian Autonomous Sanctions List	CA
United States Department of State Nonproliferation Sanctions List	US
United States Department of State Terrorist Exclusion List	US

Source Name	Country
United States Financial Crimes Enforcement Network 311 Special Measures	US
United States Bureau of Industry and Security Entity List	US
United States System for Award Management Exclusions (excl. OFAC)	US
Fitness Probity United States Medicaid Exclusions Lists OIG LEIE	US
United States Department of Justice Executive Office for Immigration Review Disciplined Practitioners	US
United States Bureau of Industry and Security The Denied Persons List	US
United States Treasury FinCEN Enforcement Actions	US
United States OCC Enforcements	US
United States Drug Enforcement Agency Fugitives	US
United States Immigration and Customs Wanted	US
United States Marshals Most Wanted	US
FBI Most Wanted	US
United States Federal Reserve Prohibition from Banking	US

Get Started

Identity

Bridge

Embed

Resources

Watchlists

Core Sanctions and Enforcement Lists

Get Started

Identity

Bridge

Embed

Resources

​Core Sanctions and Enforcement Lists

Core Sanctions and Enforcement Lists