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Bank accounts (funding sources) are linked to a business and used to send or receive ACH payments. You can connect accounts via Plaid (instant verification) or manually (micro-deposit verification).

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List bank accounts

GET /api/bank-accounts Returns all bank accounts connected to your businesses. 
curl --request GET \
  --url https://api.cleo-pay.com/api/bank-accounts \
  --header "Authorization: Bearer <token>"
GET /api/bank-accounts/plaid-link-token Returns a short-lived Plaid Link token. Pass this token to the Plaid Link SDK on the client to initiate the bank connection flow. 
curl --request GET \
  --url https://api.cleo-pay.com/api/bank-accounts/plaid-link-token \
  --header "Authorization: Bearer <token>"

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Connect via Plaid

POST /api/bank-accounts/connect-plaid Completes the Plaid bank connection after the user finishes the Plaid Link flow. Pass the publicToken and selected accountId returned by Plaid.

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Request body

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publicToken
string
required
The public token returned by Plaid Link after the user authenticates.
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accountId
string
required
The Plaid account ID of the bank account the user selected.
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businessId
string
required
The business to associate this bank account with.
curl --request POST \
  --url https://api.cleo-pay.com/api/bank-accounts/connect-plaid \
  --header "Authorization: Bearer <token>" \
  --header "Content-Type: application/json" \
  --data '{
    "publicToken": "public-sandbox-abc123",
    "accountId": "plaid-account-xyz",
    "businessId": "biz_abc123"
  }'

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Connect manually

POST /api/bank-accounts/connect-manually Connects a bank account using routing and account numbers. Cleo Pay sends two small micro-deposits to the account, which you must verify before the account becomes active for payments.

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Request body

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routingNumber
string
required
9-digit ABA routing number.
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accountNumber
string
required
Bank account number.
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accountType
string
required
Account type. Accepted values: checking, savings.
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name
string
required
A display name for this account (e.g., Business Checking).
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businessId
string
required
The business to associate this bank account with.
curl --request POST \
  --url https://api.cleo-pay.com/api/bank-accounts/connect-manually \
  --header "Authorization: Bearer <token>" \
  --header "Content-Type: application/json" \
  --data '{
    "routingNumber": "021000021",
    "accountNumber": "123456789",
    "accountType": "checking",
    "name": "Business Checking",
    "businessId": "biz_abc123"
  }'
After connecting manually, you must verify the account using micro-deposits before it can be used for payments.

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Verify micro-deposits

POST /api/bank-accounts/{fundingSourceId}/verify-micro-deposits Verifies a manually connected bank account by confirming the two micro-deposit amounts sent to it.

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Path parameters

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fundingSourceId
string
required
The unique ID of the funding source (bank account).

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Request body

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amount1
number
required
First micro-deposit amount in dollars (e.g., 0.03).
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amount2
number
required
Second micro-deposit amount in dollars (e.g., 0.07).
curl --request POST \
  --url https://api.cleo-pay.com/api/bank-accounts/fs_xyz789/verify-micro-deposits \
  --header "Authorization: Bearer <token>" \
  --header "Content-Type: application/json" \
  --data '{
    "amount1": 0.03,
    "amount2": 0.07
  }'

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Set as default

PATCH /api/bank-accounts/{fundingSourceId}/set-as-default Sets the specified bank account as the default funding source for the business. The default account is pre-selected when initiating payments.

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Path parameters

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fundingSourceId
string
required
The unique ID of the funding source to set as default.
curl --request PATCH \
  --url https://api.cleo-pay.com/api/bank-accounts/fs_xyz789/set-as-default \
  --header "Authorization: Bearer <token>"

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Remove bank account

DELETE /api/bank-accounts/{fundingSourceId} Removes a bank account from Cleo Pay. You cannot remove an account with pending transactions.

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Path parameters

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fundingSourceId
string
required
The unique ID of the funding source to remove.
curl --request DELETE \
  --url https://api.cleo-pay.com/api/bank-accounts/fs_xyz789 \
  --header "Authorization: Bearer <token>"