--- updatedAt: 2025-09-23T20:55:26.000Z agentTools: projectIndex: https://developers.berkeleypayment.com/llms.txt --- # Create Financial Account Associate a `Financial Account` to an `Account Holder` The request body should contain a token created through the tokenization process. An Account holder can not have multiple financial accounts for the same payment instrument (Payment Card or Bank Account). # OpenAPI definition ```json { "openapi": "3.0.3", "info": { "title": "DirectSend", "description": "DirectSend enables real-time fund transferring direct to any Visa cardholder. Funds reach the recipient's account within 30 minutes. You will receive real-time authorization of a transaction's success. /n You can use these endpoints for real-time funds disbursements, P2P transfers and Prepaid Loads.", "version": "1.0.0", "contact": {} }, "servers": [ { "url": "https://api.staging.pungle.co/", "description": "Staging/Test" }, { "url": "https://api.pungle.io", "description": "Production" } ], "paths": { "/api/v1/account_holders/{account_holder_id}/financial_accounts": { "post": { "tags": [ "Financial Accounts" ], "summary": "Create Financial Account", "description": "Associate a `Financial Account` to an `Account Holder`\n\nThe request body should contain a token created through the tokenization process. An Account holder can not have multiple financial accounts for the same payment instrument (Payment Card or Bank Account).", "operationId": "createFinancialAccount", "requestBody": { "content": { "application/json": { "schema": { "type": "object", "properties": { "token": { "type": "string", "example": "pctk_co_7bV-lWZbAxroQjAnx8abD7312CF23A5ED3551" } } }, "example": { "token": "pctk_co_7bV-lWZbAxroQjAnx8abD7312CF23A5ED3551" } } } }, "responses": { "201": { "description": "Create Financial Account", "content": { "application/json": { "schema": { "type": "object", "properties": { "data": { "type": "object", "properties": { "account_holder_id": { "type": "number", "example": 71, "description": "The ID associated with the account holder (customer)" }, "address_city": { "type": "string", "example": "Toronto", "description": "Billing address city" }, "address_country": { "type": "string", "example": "CAN", "description": "Billing address country code CAN, USA; ESP" }, "address_line1": { "type": "string", "example": "123 Front St", "description": "Street number and street name" }, "address_line2": { "nullable": true, "example": null, "description": "Apartment number or suite number" }, "address_postal_code": { "type": "string", "example": "M5V3Y4", "description": "Canadian postal code or US ZIP code" }, "address_state": { "type": "string", "example": "ON", "description": "Billing address province associated with the card (2-char) ON, BC, AB etc." }, "avs_check_status": { "type": "string", "example": "pass", "description": "pass; fail; unchecked; unavailable. See Fraud Protection documentation for details" }, "bin": { "type": "string", "example": "481509", "description": "6 digit Bin number of issuer" }, "brand": { "type": "string", "example": "visa", "description": "The card brand used in the transaction: visa; mastercard" }, "card_holder_type": { "type": "string", "example": "consumer", "description": "The type of card used by the sender or recipient in the transaction: consumer or business" }, "card_product_name": { "type": "string", "example": "Visa Infinite", "description": "The name of the card product" }, "card_subtype_code": { "nullable": true, "example": "Reloadable", "description": "The type of Prepaid card: Reloadable; Non-Reloadable" }, "currency": { "type": "string", "example": "CAD", "description": "The 3 character currency code used for the transaction" }, "cvv_check_status": { "type": "string", "example": "pass", "description": "pass; fail; unchecked; unavailable. See Fraud Protection documentation for details" }, "expiry_month": { "type": "number", "example": 10, "description": "The expiry month of the card (MM)" }, "expiry_year": { "type": "number", "example": 2020, "description": "The expiry year of the card (YYYY)" }, "fast_funds_enabled": { "type": "boolean", "example": true, "description": "Whether or not the Recipient issuer articipates in Fast Funds" }, "funding_type": { "type": "string", "example": "debit", "description": "The type of card used for the transaction: credit; debit; prepaid" }, "id": { "type": "string", "example": "visa_71_pctk_co_7-DoqYsD587LDFpU35XPB75329743B81F0016", "description": "" }, "issuer_country_code": { "type": "string", "example": "CAN", "description": "3 character issuing country code" }, "issuer_name": { "type": "string", "example": "Visa Test Bank", "description": "The name of the Bank issuer" }, "last_four_digits": { "type": "string", "example": "0016", "description": "The last 4-digits of the card PAN; also used for easily identifying the card" }, "name": { "type": "string", "example": "John Smith", "description": "The full name of the sender or recipient" }, "network_type": { "type": "string", "example": "visa", "description": "name of the card network used" }, "push_funds_enabled": { "type": "boolean", "example": true, "description": "If the recipient's card accepts real-time deposits or not. If not, the funds will be deposited in 24-48hr" }, "risk_level": { "type": "string", "example": "low", "description": "Card risk level based on CVV, AVS and Watchlist (Beta)" }, "status": { "type": "string", "example": "active", "description": "Status of the card" }, "type": { "type": "string", "example": "payment_card", "description": "The type of financial account being tokenized. payment_card or bank_account" } } } } }, "examples": { "Create Financial Account": { "value": { "data": { "account_holder_id": 71, "address_city": "Toronto", "address_country": "CAN", "address_line1": "123 Front St", "address_line2": null, "address_postal_code": "M5V3Y4", "address_state": "ON", "avs_check_status": "pass", "bin": "481509", "brand": "visa", "card_holder_type": "consumer", "card_product_name": "Visa Infinite", "card_subtype_code": null, "currency": "CAD", "cvv_check_status": "pass", "expiry_month": "10", "expiry_year": "2020", "fast_funds_enabled": true, "funding_type": "debit", "id": "visa_71_pctk_co_7-DoqYsD587LDFpU35XPB75329743B81F0016", "issuer_country_code": "CAN", "issuer_name": "Visa Test Bank", "last_four_digits": "0016", "name": "John Smith", "network_type": "visa", "push_funds_enabled": true, "risk_level": "low", "status": "active", "type": "payment_card" } } } } } } } } }, "parameters": [ { "name": "account_holder_id", "in": "path", "required": true, "schema": { "type": "string" } } ] } }, "x-readme": { "explorer-enabled": true, "proxy-enabled": true, "samples-enabled": true } } ```