Customer Payment Method

Pre-requisites

An active Conduit account with API access.
API credentials (API Key and Secret.)
Completed onboarding for your first customer as shown in the Customer Onboarding guide.
You have read our Payment Methods Core Concepts.

Choose Payment Method Type

Decide which payment method you want to add:

Bank Account: For fiat currency transactions (onramp/offramp, traditional payments)
Crypto Wallet: For stablecoin transactions (onramp/offramp, crypto transfers)

Endpoint: POST /customers/id/payment-methods

Create a Bank Account Payment Method

Add a bank account that your customer can use to send or receive fiat payments.

Request Example

curl --request POST \
  --url https://api.conduit.financial/customers/id/payment-methods \
  --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": "bank",
  "currency": "USD",
  "address": {
    "streetLine1": "656"
  },
  "rail": [
    "fedwire"
  ],
  "bankName": "Bank of America",
  "accountOwnerName": "John Doe",
  "accountType": "savings",
  "accountNumber": "1234567890",
  "iban": "435677889867876",
  "pixKey": "7568769879",
  "routingNumber": "1234567890",
  "swiftCode": "153657",
  "branchCode": "46576",
  "bankCode": "577",
  "sortCode": "65676"
}'

Response Example

{
  "id": "bank_1234",
  "type": "bank",
  "rail": [
    "fedwire"
  ],
  "bankName": "Bank of America",
  "accountOwnerName": "John Doe",
  "accountNumber": "1234567890",
  "currency": "USD",
  "routingNumber": "1234567890",
  "swiftCode": "153657",
  "branchCode": "46576",
  "bankCode": "577",
  "sortCode": "65676",
  "iban": "435677889867876",
  "status": "enabled",
  "address": {
    "streetLine1": "123 Main St",
    "city": "New York",
    "state": "NY",
    "postalCode": "10001",
    "country": "USA"
  },
  "entity": {
    "id": "cus_1234567890123456789012345",
    "name": "Mark Davis",
    "entityType": "business",
    "complianceEntityType": "customer"
  }
}

Success! Save the bank_1234 ID — you’ll need it when creating transactions involving this customer.

Create a Crypto Wallet Payment Method

Add a crypto wallet that your customer can use to send or receive digital assets.

Request Example

curl --request POST \
  --url https://api.conduit.financial/customers/id/payment-methods \
  --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": "wallet",
    "rail": "tron",
    "walletAddress": "TXYZa1b2c3d4e5f6g7h8i9j0k1l2m3n4o5",
    "walletLabel": "My TRON Wallet"
  }'

Response Example

{
  "id": "wlt_2nqjHpNLK6wSNlFyMvZgX8SYeAO",
  "type": "wallet",
  "rail": "tron",
  "walletAddress": "TXYZa1b2c3d4e5f6g7h8i9j0k1l2m3n4o5",
  "walletLabel": "My TRON Wallet",
  "status": "enabled",
  "entity": {
    "id": "cus_1234567890123456789012345",
    "name": "Mark Davis",
    "entityType": "business",
    "complianceEntityType": "customer"
  }
}

Success! Save the wlt_2nqjHpNLK6wSNlFyMvZgX8SYeAO ID — you’ll need it for crypto transactions involving this customer.

Summary

Your customer’s payment methods are now ready to be used in transactions. What you can do now:

Use them in Onramp Transactions (fiat → crypto)
Use them in Offramp Transactions (crypto → fiat)
Reference them in any payment flow through the Conduit API

What’s next?

Learn how to create your customer’s first counterparty in the Create Your Customer’s First Counterparty guide.

Support

Reach out to our support team to get help and share your feedback.

Customer Onboarding USD Balances in Virtual Accounts

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Getting started

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Pre-requisites

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​Pre-requisites

​Request Example

​Response Example

​Request Example

​Response Example

​Summary

​What’s next?

​Support

Pre-requisites

Request Example

Response Example

Request Example

Response Example

Summary

What’s next?

Support