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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

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

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

Widget

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

Plaid Token

Plaid

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

Bank Account

Bank Accounts

Supercharge platform payments with Straddle Embed

Instantly onboard new merchants with Straddle Embed

Onboarding

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

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

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

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

Create test accounts quickly in the Straddle sandbox

Platform Sandbox Quickstart

Bring your Plaid bank connections to Straddle

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

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 '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

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 information and access levels.

Create an account

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 account

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.

Lookup an account

Returns a list of accounts associated with your Straddle platform integration. 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 bank account have already been created.

Onboard an account

Simulte the status transitions for sandbox accounts. This endpoint can only be used for sandbox accounts.

Simulate status transitions for a sandbox account

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.

Lookup a representative

Returns a list of representatives associated with a specific account or organization. The representatives are returned sorted by creation date, with the most recently created representatives appearing first. This endpoint supports advanced sorting and filtering options.

List representatives

Creates a new linked bank account associated with 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 linked bank account

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 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.

Lookup 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 needs to be enabled by Straddle for your account and should only be used when absolutely necessary.

Unmask a linked bank account

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 linked bank accounts

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

Request a capability

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 advanced sorting and filtering options.