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This guide walks you through creating your first counterparty and adding their payment methods.

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Pre-requisites

  • Active Conduit account with API access
  • API credentials (API Key and Secret)
  • Completed onboarding for your first customer as shown in our Onboarding Your First Customer guide.
  • You have reviewed our Counterparties Core Concepts
1

Create a counterparty

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Request Example

curl --request POST \
  --url https://api.conduit.financial/counterparties \
  --header "X-API-Key: your_api_key" \
  --header "X-API-Secret: your_api_secret" \
  --header "Content-Type: application/json" \
  --header "Api-Version: 2024-12-01" \
  --data '{
    "type": "business",
    "businessName": "Office Supplies Inc.",
    "website": "https://officesupplies.com",
    "address": {
      "streetLine1": "123 Vendor Street",
      "streetLine2": "Suite 500",
      "city": "Los Angeles",
      "state": "CA",
      "postalCode": "90001",
      "country": "USA"
    },
    "email": "[email protected]",
    "phone": "+13105551234",
    "identificationType": "tin",
    "identificationNumber": "98-7654321",
    "customerId": "cus_30V7EQpemfcgMctQUjDKf1sQLtA",
    "paymentMethods": [
      {
        "type": "bank",
        "accountOwnerName": "Office Supplies Inc.",
        "bankName": "Chase Bank",
        "currency": "USD",
        "rail": ["ach"],
        "routingNumber": "123456789",
        "accountNumber": "98765432101234",
        "accountType": "checking",
        "address": {
          "country": "USA"
        }
      }
    ]
  }'

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Response Example

{
  "id": "cpty_2nqjHpNLK6wSNlFyMvZgX8SYeAO",
  "type": "business",
  "businessName": "Office Supplies Inc.",
  "email": "[email protected]",
  "phone": "+13105551234",
  "website": "https://officesupplies.com",
  "customerId": "cus_30V7EQpemfcgMctQUjDKf1sQLtA",
  "identificationType": "tin",
  "identificationNumber": "98-7654321",
  "address": {
    "streetLine1": "123 Vendor Street",
    "streetLine2": "Suite 500",
    "city": "Los Angeles",
    "state": "CA",
    "postalCode": "90001",
    "country": "USA"
  },
  "paymentMethods": [
    {
      "id": "bank_1234",
      "type": "bank",
      "rail": ["ach"],
      "bankName": "Chase Bank",
      "accountType": "checking",
      "accountOwnerName": "Office Supplies Inc.",
      "accountNumber": "98765432101234",
      "routingNumber": "123456789",
      "currency": "USD",
      "address": {
        "country": "USA"
      }
    }
  ],
  "status": "active",
  "createdAt": "2024-01-01T10:00:00.000Z",
  "updatedAt": "2024-02-15T15:45:00.000Z"
}

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🎉 You’re Done!

You have successfully created your first counterparty. They must be verified before they can send or receive funds. Use webhooks to track their verification status. What’s next:
⌘I