Bank account functions and account IDs
Understand how deposit, withdrawal, and remittance accounts work and how account IDs route transactions
When you board a paypoint, you connect one or more bank accounts to it. Each account carries one or more functions that tell Payabli how to move money to and from it. Each account also has an account ID that identifies it when you transact. Understand both before you complete boarding. This matters most when your paypoint uses more than one account.
You can assign three distinct functions to the bank accounts on a paypoint. Each function maps to a Payabli product area:
These rules govern how you assign functions across a paypoint’s accounts:
Because deposit and withdrawal are each exclusive to one account, any configuration that assigns either function to more than one account is invalid. The following table shows the valid combinations:
After boarding, you can direct transactions to specific accounts with fund routing.
An account ID identifies a bank account so Payabli knows which account handles a payment when a paypoint has more than one account configured. Any account assigned the remittance function automatically receives an account ID you can use to transact payouts.
You can retrieve a paypoint’s account IDs from its account data with the Get paypoint details endpoint.
When a paypoint has more than one account set up for a payment method, you choose where the funds go. To do so, pass the account’s account ID in the transaction request. For Pay In, this is Payabli’s fund routing feature. The Payabli team enables and configures fund routing for your paypoint, so contact them before you rely on it. For setup steps, examples, and error behavior, see Route funds from a transaction.
For payouts, provide the remittance account’s account ID when you authorize a payout to choose which account funds the payout.
If you don’t provide an account ID when you create or update an account, Payabli generates one in the format acct-{first_digit}xxxxx{last_4_digits} based on the account number. The mask always uses five x characters, regardless of the account number’s length. For example, account number 123456789 produces acct-1xxxxx6789.
If a duplicate exists within the same service at the paypoint, Payabli appends a numeric suffix, such as acct-1xxxxx6789-2. Payabli also uses this value as the identifier for the bank account’s associated payment connector.
See these related resources to help you get the most out of Payabli.