Linked Accounts represent payment methods that users have connected to their Accrue account. These accounts can be used for funding payments or topping up the wallet.
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openapi: 3.2.0
info:
version: 1.0.0
title: Accrue Merchant Linked Accounts API
x-links:
- name: View Alternative Version
url: /api-fs/
description: View API documentation with alternative enum-based WebhookIncluded schema
description: Linked Accounts represent payment methods that users have connected to their Accrue account. These accounts can be used for funding payments or topping up the wallet.
servers:
- description: Production API
url: https://merchant-api.accruesavings.com
- description: Sandbox API
url: https://merchant-api-sandbox.accruesavings.com
tags:
- name: Linked Accounts
description: Linked Accounts represent payment methods that users have connected to their Accrue account. These accounts can be used for funding payments or topping up the wallet.
paths:
/api/v1/users/:userId/linked-accounts:
get:
operationId: getLinkedAccounts
tags:
- Linked Accounts
summary: Get Linked Accounts for User
description: Retrieves all linked bank accounts for a specific user. These accounts can be used for funding payments by providing the linkedAccountId when creating a payment.
parameters:
- schema:
type: string
format: uuid
description: The ID of the user whose linked accounts to retrieve.
example: 123e4567-e89b-12d3-a456-426614174000
required: true
name: userId
in: path
- schema:
type: string
format: uuid
description: The unique identifier of the client making the request. This header is required to retrieve the client-specific configuration and ensure that the response is tailored to the client's settings and permissions.
example: 123e4567-e89b-12d3-a456-426614174000
required: true
name: Client-ID
in: header
- schema:
type: string
format: uuid
description: Secure secret to access privileged endpoints.
example: Bearer 633b336e4f57f095a405f6685e208cc7dd16de3e82494662f2acfeec3af1cdef
required: true
name: Authorization
in: header
responses:
'200':
description: OK
content:
application/vnd.api+json:
schema:
$ref: '#/components/schemas/GetLinkedAccountsResponse'
'400':
description: Bad Request. The user has no wallet with your account.
content:
application/vnd.api+json:
schema:
$ref: '#/components/schemas/LinkedAccountInvalidUserResponse'
'404':
description: Not Found. The user does not exist.
content:
application/vnd.api+json:
schema:
$ref: '#/components/schemas/LinkedAccountUserNotFoundResponse'
'500':
description: Internal Server Error
content:
application/vnd.api+json:
schema:
$ref: '#/components/schemas/UnexpectedLinkedAccountErrorResponse'
x-codeSamples:
- lang: Shell
source: "curl --request GET \\\n --url https://merchant-api.accruesavings.com/api/v1/users/:userId/linked-accounts \\\n --header 'Authorization: Bearer 633b336e4f57f095a405f6685e208cc7dd16de3e82494662f2acfeec3af1cdef' \\\n --header 'Client-ID: 123e4567-e89b-12d3-a456-426614174000'"
- lang: Node
source: "const request = require('request');\n\nconst options = {\n method: 'GET',\n url: 'https://merchant-api.accruesavings.com/api/v1/users/:userId/linked-accounts',\n headers: {\n 'Client-ID': '123e4567-e89b-12d3-a456-426614174000',\n Authorization: 'Bearer 633b336e4f57f095a405f6685e208cc7dd16de3e82494662f2acfeec3af1cdef'\n }\n};\n\nrequest(options, function (error, response, body) {\n if (error) throw new Error(error);\n\n console.log(body);\n});\n"
- lang: Python
source: "import http.client\n\nconn = http.client.HTTPSConnection(\"merchant-api.accruesavings.com\")\n\nheaders = {\n 'Client-ID': \"123e4567-e89b-12d3-a456-426614174000\",\n 'Authorization': \"Bearer 633b336e4f57f095a405f6685e208cc7dd16de3e82494662f2acfeec3af1cdef\"\n }\n\nconn.request(\"GET\", \"/api/v1/users/:userId/linked-accounts\", headers=headers)\n\nres = conn.getresponse()\ndata = res.read()\n\nprint(data.decode(\"utf-8\"))"
- lang: Ruby
source: 'require ''uri''
require ''net/http''
require ''openssl''
url = URI("https://merchant-api.accruesavings.com/api/v1/users/:userId/linked-accounts")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
http.verify_mode = OpenSSL::SSL::VERIFY_NONE
request = Net::HTTP::Get.new(url)
request["Client-ID"] = ''123e4567-e89b-12d3-a456-426614174000''
request["Authorization"] = ''Bearer 633b336e4f57f095a405f6685e208cc7dd16de3e82494662f2acfeec3af1cdef''
response = http.request(request)
puts response.read_body'
- lang: Java
source: "OkHttpClient client = new OkHttpClient();\n\nRequest request = new Request.Builder()\n .url(\"https://merchant-api.accruesavings.com/api/v1/users/:userId/linked-accounts\")\n .get()\n .addHeader(\"Client-ID\", \"123e4567-e89b-12d3-a456-426614174000\")\n .addHeader(\"Authorization\", \"Bearer 633b336e4f57f095a405f6685e208cc7dd16de3e82494662f2acfeec3af1cdef\")\n .build();\n\nResponse response = client.newCall(request).execute();"
- lang: Go
source: "package main\n\nimport (\n\t\"fmt\"\n\t\"net/http\"\n\t\"io/ioutil\"\n)\n\nfunc main() {\n\n\turl := \"https://merchant-api.accruesavings.com/api/v1/users/:userId/linked-accounts\"\n\n\treq, _ := http.NewRequest(\"GET\", url, nil)\n\n\treq.Header.Add(\"Client-ID\", \"123e4567-e89b-12d3-a456-426614174000\")\n\treq.Header.Add(\"Authorization\", \"Bearer 633b336e4f57f095a405f6685e208cc7dd16de3e82494662f2acfeec3af1cdef\")\n\n\tres, _ := http.DefaultClient.Do(req)\n\n\tdefer res.Body.Close()\n\tbody, _ := ioutil.ReadAll(res.Body)\n\n\tfmt.Println(res)\n\tfmt.Println(string(body))\n\n}"
- lang: Csharp
source: 'var client = new RestClient("https://merchant-api.accruesavings.com/api/v1/users/:userId/linked-accounts");
var request = new RestRequest(Method.GET);
request.AddHeader("Client-ID", "123e4567-e89b-12d3-a456-426614174000");
request.AddHeader("Authorization", "Bearer 633b336e4f57f095a405f6685e208cc7dd16de3e82494662f2acfeec3af1cdef");
IRestResponse response = client.Execute(request);'
- lang: Php
source: "<?php\n\n$request = new HttpRequest();\n$request->setUrl('https://merchant-api.accruesavings.com/api/v1/users/:userId/linked-accounts');\n$request->setMethod(HTTP_METH_GET);\n\n$request->setHeaders([\n 'Client-ID' => '123e4567-e89b-12d3-a456-426614174000',\n 'Authorization' => 'Bearer 633b336e4f57f095a405f6685e208cc7dd16de3e82494662f2acfeec3af1cdef'\n]);\n\ntry {\n $response = $request->send();\n\n echo $response->getBody();\n} catch (HttpException $ex) {\n echo $ex;\n}"
/api/v1/users/:userId/linked-accounts/:linkedAccountId:
delete:
operationId: deleteLinkedAccount
tags:
- Linked Accounts
summary: Remove a Linked Account
description: 'Removes a linked bank account for one of your users. This has the same effect as the user removing it themselves: any scheduled funding or round-ups using the account are stopped, and the account is deactivated with the bank linking provider. This cannot be undone — the user must link and verify the account again. The request is idempotent: removing an account that is already gone also returns 204, so it is safe to retry after a timeout.'
parameters:
- schema:
type: string
format: uuid
description: The ID of the user who owns the linked account.
example: 123e4567-e89b-12d3-a456-426614174000
required: true
name: userId
in: path
- schema:
type: string
format: uuid
description: The ID of the linked account to remove.
example: 123e4567-e89b-12d3-a456-426614174000
required: true
name: linkedAccountId
in: path
- schema:
type: string
format: uuid
description: The unique identifier of the client making the request. This header is required to retrieve the client-specific configuration and ensure that the response is tailored to the client's settings and permissions.
example: 123e4567-e89b-12d3-a456-426614174000
required: true
name: Client-ID
in: header
- schema:
type: string
format: uuid
description: Secure secret to access privileged endpoints.
example: Bearer 633b336e4f57f095a405f6685e208cc7dd16de3e82494662f2acfeec3af1cdef
required: true
name: Authorization
in: header
responses:
'204':
description: No Content. Also returned when the linked account was already removed.
'400':
description: Bad Request. The user has no wallet with your account.
content:
application/vnd.api+json:
schema:
$ref: '#/components/schemas/LinkedAccountInvalidUserResponse'
'403':
description: The linked account does not belong to the specified user.
'404':
description: Not Found. The user does not exist.
content:
application/vnd.api+json:
schema:
$ref: '#/components/schemas/LinkedAccountUserNotFoundResponse'
'409':
description: 'The account cannot be removed right now: either a payment funded by it is still in flight, or the account may also be in use outside your integration. Complete or cancel the payment, or ask the user to remove the account from their Accrue account.'
x-codeSamples:
- lang: Shell
source: "curl --request DELETE \\\n --url https://merchant-api.accruesavings.com/api/v1/users/:userId/linked-accounts/:linkedAccountId \\\n --header 'Authorization: Bearer 633b336e4f57f095a405f6685e208cc7dd16de3e82494662f2acfeec3af1cdef' \\\n --header 'Client-ID: 123e4567-e89b-12d3-a456-426614174000'"
- lang: Node
source: "const request = require('request');\n\nconst options = {\n method: 'DELETE',\n url: 'https://merchant-api.accruesavings.com/api/v1/users/:userId/linked-accounts/:linkedAccountId',\n headers: {\n 'Client-ID': '123e4567-e89b-12d3-a456-426614174000',\n Authorization: 'Bearer 633b336e4f57f095a405f6685e208cc7dd16de3e82494662f2acfeec3af1cdef'\n }\n};\n\nrequest(options, function (error, response, body) {\n if (error) throw new Error(error);\n\n console.log(body);\n});\n"
- lang: Python
source: "import http.client\n\nconn = http.client.HTTPSConnection(\"merchant-api.accruesavings.com\")\n\nheaders = {\n 'Client-ID': \"123e4567-e89b-12d3-a456-426614174000\",\n 'Authorization': \"Bearer 633b336e4f57f095a405f6685e208cc7dd16de3e82494662f2acfeec3af1cdef\"\n }\n\nconn.request(\"DELETE\", \"/api/v1/users/:userId/linked-accounts/:linkedAccountId\", headers=headers)\n\nres = conn.getresponse()\ndata = res.read()\n\nprint(data.decode(\"utf-8\"))"
- lang: Ruby
source: 'require ''uri''
require ''net/http''
require ''openssl''
url = URI("https://merchant-api.accruesavings.com/api/v1/users/:userId/linked-accounts/:linkedAccountId")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
http.verify_mode = OpenSSL::SSL::VERIFY_NONE
request = Net::HTTP::Delete.new(url)
request["Client-ID"] = ''123e4567-e89b-12d3-a456-426614174000''
request["Authorization"] = ''Bearer 633b336e4f57f095a405f6685e208cc7dd16de3e82494662f2acfeec3af1cdef''
response = http.request(request)
puts response.read_body'
- lang: Java
source: "OkHttpClient client = new OkHttpClient();\n\nRequest request = new Request.Builder()\n .url(\"https://merchant-api.accruesavings.com/api/v1/users/:userId/linked-accounts/:linkedAccountId\")\n .delete(null)\n .addHeader(\"Client-ID\", \"123e4567-e89b-12d3-a456-426614174000\")\n .addHeader(\"Authorization\", \"Bearer 633b336e4f57f095a405f6685e208cc7dd16de3e82494662f2acfeec3af1cdef\")\n .build();\n\nResponse response = client.newCall(request).execute();"
- lang: Go
source: "package main\n\nimport (\n\t\"fmt\"\n\t\"net/http\"\n\t\"io/ioutil\"\n)\n\nfunc main() {\n\n\turl := \"https://merchant-api.accruesavings.com/api/v1/users/:userId/linked-accounts/:linkedAccountId\"\n\n\treq, _ := http.NewRequest(\"DELETE\", url, nil)\n\n\treq.Header.Add(\"Client-ID\", \"123e4567-e89b-12d3-a456-426614174000\")\n\treq.Header.Add(\"Authorization\", \"Bearer 633b336e4f57f095a405f6685e208cc7dd16de3e82494662f2acfeec3af1cdef\")\n\n\tres, _ := http.DefaultClient.Do(req)\n\n\tdefer res.Body.Close()\n\tbody, _ := ioutil.ReadAll(res.Body)\n\n\tfmt.Println(res)\n\tfmt.Println(string(body))\n\n}"
- lang: Csharp
source: 'var client = new RestClient("https://merchant-api.accruesavings.com/api/v1/users/:userId/linked-accounts/:linkedAccountId");
var request = new RestRequest(Method.DELETE);
request.AddHeader("Client-ID", "123e4567-e89b-12d3-a456-426614174000");
request.AddHeader("Authorization", "Bearer 633b336e4f57f095a405f6685e208cc7dd16de3e82494662f2acfeec3af1cdef");
IRestResponse response = client.Execute(request);'
- lang: Php
source: "<?php\n\n$request = new HttpRequest();\n$request->setUrl('https://merchant-api.accruesavings.com/api/v1/users/:userId/linked-accounts/:linkedAccountId');\n$request->setMethod(HTTP_METH_DELETE);\n\n$request->setHeaders([\n 'Client-ID' => '123e4567-e89b-12d3-a456-426614174000',\n 'Authorization' => 'Bearer 633b336e4f57f095a405f6685e208cc7dd16de3e82494662f2acfeec3af1cdef'\n]);\n\ntry {\n $response = $request->send();\n\n echo $response->getBody();\n} catch (HttpException $ex) {\n echo $ex;\n}"
components:
schemas:
UnexpectedLinkedAccountErrorResponse:
type: object
properties:
id:
type: string
format: uuid
description: A unique UUID for this particular occurrence of the problem.
example: 123e4567-e89b-12d3-a456-426614174000
status:
type: integer
description: The HTTP status code applicable to this error.
example: 500
code:
type: string
enum:
- UnexpectedError
description: A unique, camel-cased Accrue-specific code detailing the error.
example: UnexpectedError
title:
type: string
description: Generic title for the error.
example: LinkedAccountException
detail:
type: string
description: A human-readable explanation providing more insights about the error.
examples:
- An unexpected error occurred.
meta:
type: object
properties:
environment:
type: string
enum:
- production
- sandbox
example: sandbox
timestamp:
type: string
format: date-time
example: '2025-06-23T12:00:00.000Z'
path:
type: string
example: /api/v1/users/123e4567-e89b-12d3-a456-426614174000/linked-accounts
required:
- environment
- timestamp
- path
example:
environment: sandbox
timestamp: '2025-06-23T12:00:00.000Z'
path: /api/v1/users/123e4567-e89b-12d3-a456-426614174000/linked-accounts
required:
- id
- status
- code
- title
- detail
- meta
LinkedAccountInvalidUserResponse:
type: object
properties:
id:
type: string
format: uuid
description: A unique UUID for this particular occurrence of the problem.
example: 123e4567-e89b-12d3-a456-426614174000
status:
type: integer
description: The HTTP status code applicable to this error.
example: 400
code:
type: string
enum:
- InvalidUser
description: A unique, camel-cased Accrue-specific code detailing the error.
example: InvalidUser
title:
type: string
description: Generic title for the error.
example: LinkedAccountException
detail:
type: string
description: A human-readable explanation providing more insights about the error.
examples:
- User '{userId}' does not have a wallet with this merchant.
meta:
type: object
properties:
environment:
type: string
enum:
- production
- sandbox
example: sandbox
timestamp:
type: string
format: date-time
example: '2025-06-23T12:00:00.000Z'
path:
type: string
example: /api/v1/users/123e4567-e89b-12d3-a456-426614174000/linked-accounts
required:
- environment
- timestamp
- path
example:
environment: sandbox
timestamp: '2025-06-23T12:00:00.000Z'
path: /api/v1/users/123e4567-e89b-12d3-a456-426614174000/linked-accounts
required:
- id
- status
- code
- title
- detail
- meta
GetLinkedAccountsResponse:
type: object
properties:
data:
type: array
items:
type: object
properties:
id:
type: string
format: uuid
description: Unique identifier for the object.
readOnly: true
type:
type: string
enum:
- LinkedAccount
attributes:
type: object
properties:
provider:
type: string
enum:
- Meld
- Plaid
- Checkout
description: The provider used to link the bank account.
status:
type: string
enum:
- Connected
- Disconnected
- Pending
description: The current status of the linked account.
accountType:
type: string
enum:
- checking
- savings
- debit
- creditCard
- fundingCreditCard
- pending
description: The type of the linked account.
accountName:
type: string
description: The name of the account as provided by the institution.
example: Plaid Checking
accountMask:
type: string
description: The masked account number (typically last 4 digits).
example: '0000'
institutionName:
type: string
description: The name of the financial institution.
example: Plaid Bank
institutionId:
type: string
description: The unique identifier for the institution.
example: ins_109508
updatedAt:
type: string
format: date-time
readOnly: true
createdAt:
type: string
format: date-time
readOnly: true
required:
- updatedAt
- createdAt
required:
- id
- type
- attributes
required:
- data
LinkedAccountUserNotFoundResponse:
type: object
properties:
id:
type: string
format: uuid
description: A unique UUID for this particular occurrence of the problem.
example: 123e4567-e89b-12d3-a456-426614174000
status:
type: integer
description: The HTTP status code applicable to this error.
example: 404
code:
type: string
enum:
- LinkedAccountNotFound
description: A unique, camel-cased Accrue-specific code detailing the error.
example: LinkedAccountNotFound
title:
type: string
description: Generic title for the error.
example: LinkedAccountNotFoundException
detail:
type: string
description: A human-readable explanation providing more insights about the error.
examples:
- User '{userId}' not found.
meta:
type: object
properties:
environment:
type: string
enum:
- production
- sandbox
example: sandbox
timestamp:
type: string
format: date-time
example: '2025-06-23T12:00:00.000Z'
path:
type: string
example: /api/v1/users/123e4567-e89b-12d3-a456-426614174000/linked-accounts
required:
- environment
- timestamp
- path
example:
environment: sandbox
timestamp: '2025-06-23T12:00:00.000Z'
path: /api/v1/users/123e4567-e89b-12d3-a456-426614174000/linked-accounts
required:
- id
- status
- code
- title
- detail
- meta
x-tagGroups:
- name: Overview
tags:
- Introduction
- API Design
- name: Users
tags:
- Users
- LinkedAccounts
- Identity Verification
- name: Wallets
tags:
- Wallets
- name: Gifts
tags:
- Gifts
- name: Payments
tags:
- PaymentIntents
- Payments
- ExternalTransactions
- Simulations
- name: Banking & KYC
tags:
- Banking
- Counterparties
- CounterpartyTransfers
- name: Sweepstakes
tags:
- Sweepstakes
- name: Rewards
tags:
- Rewards
- name: Widgets
tags:
- Widgets
- name: Webhooks
tags:
- Webhooks
- WebhookEvents
- Webhook Topics