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POST
/
payment-accounts
Create payment account
curl --request POST \
  --url https://api.fernhq.com/payment-accounts \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '{
  "paymentAccountType": "EXTERNAL_BANK_ACCOUNT",
  "customerId": "072a8b7b-38c7-429a-a6cf-35dae7f2fb77",
  "nickname": "Savings Account",
  "organizationId": "24ab9fdd-5042-4d96-a616-4bef2877dd01",
  "externalBankAccount": {
    "accountNumber": "00123456789",
    "bankName": "Chase Bank",
    "bankAccountCurrency": "USD",
    "bankAddress": {
      "country": "US",
      "addressLine1": "350 5th Avenue",
      "addressLine2": "Floor 21",
      "city": "New York",
      "state": "New York",
      "stateCode": "NY",
      "postalCode": "10016",
      "locale": "en-US"
    },
    "bankAccountType": "CHECKING",
    "bankAccountPaymentMethod": "ACH",
    "bankAccountOwner": {
      "email": "john@example.com",
      "firstName": "John",
      "lastName": "Doe",
      "businessName": "Fern LLC",
      "address": {
        "country": "US",
        "addressLine1": "350 5th Avenue",
        "addressLine2": "Floor 21",
        "city": "New York",
        "state": "New York",
        "stateCode": "NY",
        "postalCode": "10016",
        "locale": "en-US"
      },
      "type": "INDIVIDUAL"
    },
    "routingNumber": "11110000",
    "sortCode": "123456",
    "iban": "GB29NWBK60161331926819",
    "bicSwift": "SMCOGB2LXXX",
    "transitNumber": "12345",
    "institutionNumber": "111",
    "bsbNumber": "123-456",
    "ifscCode": "IFSC0001234",
    "clabeNumber": "123456789012345678",
    "bankCode": "123456",
    "branchCode": "12345",
    "cnapsCode": "123456789",
    "nubanNumber": "123456789012",
    "pixCode": "123456789",
    "clearingCode": "123456",
    "taxNumber": "123456789"
  },
  "fernAutoFiatAccount": {
    "bankAccountCurrency": "USD",
    "destinationPaymentAccountId": "03b7030f-6da1-4d76-9352-cdebd82112c8",
    "destinationCurrency": "USDC",
    "destinationPaymentMethod": "BASE",
    "developerFeePercent": "0.1"
  },
  "externalCryptoWallet": {
    "cryptoWalletType": "EVM",
    "chain": "BASE",
    "address": "0x1234567890123456789012345678901234567890"
  },
  "fernCryptoWallet": {
    "cryptoWalletType": "EVM"
  },
  "isThirdParty": false
}'
{
  "paymentAccountId": "11111111-2222-3333-4444-555555555555",
  "paymentAccountType": "EXTERNAL_BANK_ACCOUNT",
  "nickname": "Operating Account",
  "createdAt": "2025-10-30T12:00:00Z",
  "customerId": "aaaaaaaa-bbbb-cccc-dddd-eeeeeeeeeeee",
  "paymentAccountStatus": "ACTIVE",
  "externalBankAccount": {
    "bankAccountType": "CHECKING",
    "bankAccountOwnerName": "Acme Corp",
    "bankAccountOwnerEmail": "finance@acme.com",
    "bankName": "Chase Bank",
    "bankAccountCurrency": {
      "label": "USD"
    },
    "bankAccountMask": "***6789",
    "bankAccountPaymentMethod": "ACH"
  },
  "isThirdParty": false
}

Authorizations

​
Authorization
string
header
required

To authenticate server-side requests

Body

application/json

Schema for creating a new payment account

​
paymentAccountType
enum<string>
required

Type of payment account to create

Available options:
FERN_CRYPTO_WALLET,
EXTERNAL_CRYPTO_WALLET,
EXTERNAL_BANK_ACCOUNT,
FERN_AUTO_FIAT_ACCOUNT,
FERN_FIAT_ACCOUNT
Example:

"EXTERNAL_BANK_ACCOUNT"

​
customerId
string<uuid>
required

Customer to create payment account

Example:

"072a8b7b-38c7-429a-a6cf-35dae7f2fb77"

​
nickname
string

Nickname for customer to use for the payment account

Example:

"Savings Account"

​
organizationId
string<uuid>

Organization to create payment account

Example:

"24ab9fdd-5042-4d96-a616-4bef2877dd01"

​
externalBankAccount
object

Request schema for external bank accounts

​
fernAutoFiatAccount
object

Request schema for Fern auto fiat accounts

​
externalCryptoWallet
object

Response schema for external crypto wallets

​
fernCryptoWallet
object

Request schema for Fern crypto wallets

​
isThirdParty
boolean
default:false

Whether the payment account is a third-party account. Defaults to false.

Example:

false

Response

Create Payment Account Response

Response schema for creating a payment account

​
paymentAccountId
string<uuid>
required

The id of the payment account

Examples:

"03b7030f-6da1-4d76-9352-cdebd82112c8"

​
paymentAccountType
enum<string>
required

Type of payment account to create

Available options:
FERN_CRYPTO_WALLET,
EXTERNAL_CRYPTO_WALLET,
EXTERNAL_BANK_ACCOUNT,
FERN_AUTO_FIAT_ACCOUNT,
FERN_FIAT_ACCOUNT
Examples:

"EXTERNAL_BANK_ACCOUNT"

​
paymentAccountStatus
enum<string>
required

The status of the payment account

Available options:
PENDING,
ACTIVE,
DEACTIVATED
Examples:

"ACTIVE"

"PENDING"

"DEACTIVATED"

​
nickname
string

Nickname for customer to use for the payment account

Examples:

"Savings Account"

​
createdAt
string<date-time>

ISO timestamp when this transaction was created

​
customerId
string<uuid>

The id of the customer this payment account belongs to

Examples:

"03b7030f-6da1-4d76-9352-cdebd82112c8"

​
externalBankAccount
object

Response schema for external bank accounts

​
fernAutoFiatAccount
object

Response schema for Fern auto fiat accounts

​
fernFiatAccount
object

Response schema for Fern fiat accounts

​
externalCryptoWallet
object

Response schema for external crypto wallets

​
fernCryptoWallet
object

Response schema for Fern crypto wallets

​
isThirdParty
boolean
default:false

Whether the payment account is a third-party account. Defaults to false.

Examples:

false

​
bankAccountFormLink
string

A link to a hosted form to create a bank account

Examples:

"https://forms.fernhq.com/bank_account/abc"