Newline Synthetic Accounts API

{"openapi":"3.0.2","info":{"title":"Newline Platform API","version":"1.0.0","description":"\nWelcome! In this section of our docs experience, you'll be able to go through common payment scenarios that both you and your end customers may encounter as you start to offer financial products through your own technology stack. These guides will also help to highlight and expand on concepts discussed in our API references, like [Synthetic Accounts](https://developers.newline53.com/reference/synthetic-accounts), [Transfers](https://developers.newline53.com/reference/transfers), [Transactions&nbsp;](https://developers.newline53.com/reference/transactions)  and [Customers](https://developers.newline53.com/reference/customers).\n\nOur guides are broken out by supported use cases. If you find there isn't a specific use case that fits your business, reach out to our [Sales &amp; Partnership team](https://newline53.com/contact-us.html) and they'll be able to help determine how we can support your business and provide any other questions or feedback.\n\nLastly, when you're ready to build, check out our [Onboarding Overview](https://developers.newline53.com/docs/overview) and [Sandbox Walkthrough](https://developers.newline53.com/docs/sandbox-walkthrough) guides.\n\n## About our API\n\nThe Newline API is organized around REST. With a few exceptions, our API has standard resource-oriented URLs, accepts form-encoded OR JSON-encoded request bodies, returns JSON-encoded responses, and uses standard HTTP response codes, authentication, and verbs.\n\n## FAQs\n\nWant to quickly review some common questions about Newline and our financial experiences, check out our [FAQs](https://developers.newline53.com/docs/faqs) guide.\n\n# Overview\n\n## Newline Onboarding 101\n\nOnboarding to any SaaS product can be a daunting task, and at Newline we seek to make this experience as smooth as possible. Part of that is getting you, our Client, familiar with the process by which we establish key resources like your Program, Products, Customers, Custodial Accounts, and Synthetic Accounts.\n\nThe following guide details, in short order, the Program and resources that Newline will configure for you and how each of these components affect your ability to use our API Reference.\n\n<img src=\"https://files.readme.io/955347d-image.png\">\n\nThe above visualization shows the Program and resources Newline will provide and maintain for Clients going through onboarding and implementation, but we'll enumerate the details for each resource above.\n\n> **Note**\n> In the above visualization, the lighter color items are preset and created by Newline for any Client implementation. Synthetic Accounts is a special case where general Synthetic Accounts are preset and Clients will be responsible for creating their own external Synthetic Accounts and VRNs..\n\n- **Program** - the Program dictates the origination terms to which the Client and Newline mutually agree. This could include payment limitations like amounts, frequency, and the need for pre-funding (ex. ACH). Your Program will be created and configured by Newline.\n\n- **Products** - these are distinct Product offerings supported by Newline. For instance, this can include payment rails like ACH, Wire, and Instant Payments that are configured as available synthetic_account_types. Newline creates and configures a Program's Products.\n\n    - Products can be applied across multiple Customers, and Customers can be attached to multiple Products. Essentially there is a many-to-many relationship between these resources, which make them, in some cases, parallel.\n\n    - A Product can support multiple payment rails.\n\n- **Customer Type** - Customers are provided a Customer Type at creation. For instance, Primary Customers are considered full account owners and have complete authority to take any actions associated with their accounts and associated resources. You can also limit certain Customer Types to have access to only certain Products. Permitted Customer Types are configured by Newline.\n\n- **Pool** - Container for one or more Synthetic Accounts, with Assets owned by one or more Customers. Pools allow for shared assets and flexibility in ownership and transfer of assets. Newline will create Pools.\n\n- **Customer** - This is the entity that owns the Account and Funds stored at Newline. This entity also is deemed the Originator when it comes to any payment creation. Clients can also be Customers in the event they meet those criteria. Customers are created by Newline or by the Client depending on the use case.\n\n- **Custodial Account** - This is the Account that exists in our Synthetic Core and represents the reciprocal Account on Fifth Third's ledger. These are the accounts you can access via Fifth Third Direct. Custodial Accounts will be created by Newline.\n\n- **Synthetic Account** - How Newline represents the assets held by your Customers. These are the accounts that Customers view and interact with on your application. Synthetic Accounts are also used to manage external accounts that your Customers will likely use within your application. Synthetic Accounts of the general category will be created by Newline or by the Client depending on your use case. Clients will create external Synthetic Accounts like wire_external, ach_external, and instant_payment_external.\n\n- **Virtual Reference Number** - Virtual Reference Numbers (or VRNs) are virtualized account numbers. They are aliases to a synthetic account and can form a many-to-one relationship with their parent synthetic account.\n\n# Postman Collection\n\nHow to set up Postman, add our Newline collection, and use it to test Newline platform APIs.\n\n## Installing Postman\n\nPostman is available on a variety of platforms. Visit [Postman](https://www.postman.com/downloads/) to see if your platform is supported.  \nTo install Postman:\n\n1. Go to [Postman downloads](https://www.postman.com/downloads/).\n\n<img src=\"https://files.readme.io/fd1743f-Postman_Dowload_snip.jpg\">\n\n1. Download the required version.\n\n2. After your download is complete, run the downloaded file to install Postman.\n\n## Import the Newline Collection\n\nTo import our collection, click on the following [▶ Newline Collection](https://www.postman.com/newline53) button, and you will be redirected to our Newline Postman workspace, where you can download our collection.\n\nFor further information, see the [Postman documentation on importing data](https://learning.postman.com/docs/getting-started/importing-and-exporting-data/).\n\n## Configure Your Postman Environment\n\n1. Create a Sandbox Environment.\n\n2. Set Sandbox variables.\n\n3. Save the environment.\n\n4. Ensure the new environment is selected.\n\n**Set API Keys**  \nYou will need to set your HMAC Key and Program UID as environment variables. You can set the variables in the headers in the environment tab within the Postman Collection.\n\n# Terminology\n\nThe terms, which represent API resource objects in Newline, below are referenced in our API documentation and endpoint definitions.  \nSome important notes while reading through this list:\n\nResource Objects often interact with one another, so please be sure to review our endpoints to see which serve as required inputs or are collected as outputs.\n\nCertain objects, like Transfers, are described differently in the payments industry depending on the Transaction Type. For instance, ach transactions are often referred to as entries rather than payments, as they can represent both credits (i.e., ODFI pushes) and debits (i.e., ODFI pulls).  \nWhile Resource Objects are distinct, they, in some cases, can represent the same entity.\n\n- Ex. 1 - Clients can also be Customers if they manage and own the financial products in question.\n\n- Ex. 2 - Transfers produce Transactions, but the produced Transactions (in aggregate) represent the original money movement.\n\n| Term | Definition |\n| --- | --- |\n| Customer | The end user of your application and the owner of assets in your Program. For example, when initiating a payment, this entity would be considered the **originator**. |\n| Client | The application or product owning organization that is affording end users (i.e., Customers) the ability to access the financial products.<br><br><br>**Note**<br>Clients can also be Customers in the event they own and have management over the financial products or the funds involved. |\n| Transmitter | Transmitters are the parties who have _requested_ the Transfer in question. When the Transmitter and Customer are the same party, Newline pulls origination information from the created Customer record. When the Transmitter and Customer are not the same party, it's the Client's responsibility to provide that information when making a Transfer.  <br>  <br>Transmitters are only required for the `wire` and `instant_payment` types (see the `wire_transmitter` and `instant_payment_transmitter` objects in the [Initiate a Transfer](https://developers.newline53.com/reference/post_transfers) reference). Client's should also take note of the `initiator_type` field, which dictates from where Transmitter information is pulled. For more context on Transmitters, refer to the [Payment Rail Regulation](https://newline-enterprise-group.readme.io/docs/transfer#payment-rail-regulation) section below. |\n| Partner | Any infrastructure partner integrated within the Newline Platform. |\n| Program | The Program is custom tailored to your offering and purpose built to enable financial products on your application. The Program defines what Synthetic and Custodial Account types, Customer Types, and Transactions Types are available for your Customers to utilize. The Program configuration is defined between the Client and Newline based on your (i.e., the Client's) use case. |\n| Product | Products represents the financial products available to your Customers. The Product object contains the account, compliance, and customer profile responses necessary for your Customers to gain access. |\n| Customer Product | The Customer Product is created when the Customer is added to a Product and respective Program. This often includes Newline automatically creating any needed financial products for the Customers' use. For instance, a Synthetic Account to represent the origination account at Fifth Third. |\n| Service Offering | The financial product offered by the Newline platform. These can be (but are not limited to) checking, savings, brokerage, or retirement accounts. |\n| Pool | Container for one or more Synthetic Accounts, with Assets owned by one or more Customers. Pools allow for shared assets and flexibility in ownership and transfer of assets. |\n| Custodial Accounts | This resource within Newline represents the assets held by your Customers, with direct alignment to accounts opened at Fifth Third. Custodial Accounts have the following relationships: one-to-one with Customers, and one-to-Many with Synthetic Accounts. |\n| Synthetic Accounts | How Newline represents the assets held by your Customers. These are the accounts that Customers view and interact with on your application. Synthetic Accounts are also used to manage external accounts (i.e., Counterparties) that your Customers will likely use within your application. |\n| Virtual Reference Number (VRN) | Virtual Reference Numbers (or VRNs) are virtualized account numbers. They are aliases to a Synthetic Account, and can form a many-to-one relationship with their parent Synthetic Account. |\n| Transfer | The movement of assets from one Synthetic Account to another Synthetic Account. Most of asset movement initiated by your application will result in a Transfer. A successful Transfer will result in at least one Transaction. |\n| Transaction | Transactions are created based on how you instruct Newline to move assets (a Transfer) or how assets are moved or spent outside of your application (For example, ACH, Wire, and Instant Payments Transfers). The Transaction contains the amount, origin, and destination of assets. Newline categorizes Transactions into types to assist in their classification and representation. |\n| Transaction Events | The steps taken to complete the Transaction. These can be used to view the progress of an in-flight Transaction or see the history of a completed Transaction. |"},"security":[{"ApiKeyAuth":[]}],"components":{"securitySchemes":{"ApiKeyAuth":{"type":"apiKey","in":"header","name":"Authorization","description":"Access token signed with shared HMAC"}}},"x-explorer-enabled":false,"servers":[{"url":"https://sandbox.newline53.com/api/v1"}],"tags":[{"name":"Auth","description":"The Authentication section explains how to securely interact with Newline's API using access tokens and static IP addresses. Learn how to generate and refresh tokens to access protected resources.  \n\n**Endpoints:**\n\n- POST [Generate an authentication token: POST /auth](https://developers.newline53.com/reference/post_auth)\n\nNewline requires access tokens and static IP addresses for authentication and authorization when requesting any resource endpoints. [POST /auth](https://developers.newline53.com/reference/post_auth) is used to obtain and refresh the required access tokens. Please work with your Relationship Team or the Newline Team in all environments to set up the IP Allowlist for your Program.  \nTo obtain an access token, you must submit a refresh token. After a program is set up, Newline will share your Program UID and HMAC key offline. These values are required for the refresh token and access token requests.\n\n## Auth Flow\n\nThe authentication flow is as follows:\n\n1. Create a JWT using the following claim:\n```\n{\n  \"iat\": <current Epoch time>,\n  \"sub\": <Program UID>\n}\n ```\n\n1. Sign the JWT to create a JWS with the shared key using HS512 / SHA-512.\n\n2. Exchange for an access token by sending a request to [POST /auth](https://developers.newline53.com/reference/post_auth), using the JWS in the `Authorization` header.\n\n3. Access resources through other endpoints using the returned token in the `Authorization` header for up to 8 hours.\n\n4. Repeat the process as needed to continue authenticating successfully.\n\n> **Note** \n> If a new access token is requested within the 8 hours of a previous token being successfully exchanged, the new token will still be generated. This does not expire the last token, and both tokens are usable simultaneously until their respective time is up. However, it is encouraged to use the new token and discard the old one if possible, as this behavior may change in the future."},{"name":"Customers","description":"The Customers section provides details on managing end-user accounts. Learn how to create, update, and archive customer records and onboard them to financial products while meeting KYC/AML requirements.\n\n**Endpoints:**\n\n- GET [List Customers: GET /customers](https://developers.newline53.com/reference/get_customers)\n    \n- POST [Create a new Customer: POST /customers](https://developers.newline53.com/reference/post_customers)\n    \n- GET [Get a single Customer: GET /customers/{uid}](https://developers.newline53.com/reference/get_customers-uid)\n    \n- PUT [Adjust Customer Data: PUT /customers/{uid}](https://developers.newline53.com/reference/put_customers-uid)\n    \n- DELETE [Archive a Customer: DELETE /customers/{uid}](https://developers.newline53.com/reference/delete_customers-uid)\n    \nA Customer on the Newline Platform is the end user of your application. Customers are unique to each Program, and managing all accounts and identifying information is handled on a Program-by-Program basis.  \nThe ability to create new Customers is also a preset condition of your Program at Newline. Please see the below sections for more details.\n\n## Newline preset-Customers\n\nIn cases where the Client also serves as the Customer (i.e., the Client is both the end-user and the managing entity over any financial products), Newline will create Customers upon Program onboarding. Clients will also be precluded from creating new Customers.\n\n## Client-initiated Customers\n\n**Customer Onboarding Process for Clients**  \nWhen managing customer onboarding, follow the outlined steps and key considerations below.\n\n### Steps for Onboarding Customers:\n\n1. Initial Submission:\n\n    1. Submit the external_uid and email using the Customers Endpoint.\n\n2. Provide Personally Identifiable Information (PII):\n\n    1. After the initial submission, supply the remaining PII for the customer.\n\n    2. Ensure that all required PII fields are complete. Requests with complete or missing fields will be accepted.\n\n3. Edit PII (Optional):\n\n    1. PII can be updated until a valid request is sent to onboard the customer to a product using the Customer Product Endpoint.\n\n4. Submit Profile Responses:\n\n    1. Provide profile responses to meet the product's profile requirements.\n\n    2. Profile Requirements can include data such as:\n\n        1. Risk tolerance\n\n        2. Income level\n\n        3. Other product-specific information\n\n5. Verify Profile Requirements:\n\n    1. Use the Product Endpoint to access the Profile Requirements and ensure the customer satisfies all prerequisites for onboarding.\n\n6. Initiate Onboarding Request:\n\n    1. Submit a valid onboarding request for the customer using the Customer Products Endpoint.\n\n## Additional Considerations:\n\nKYC/AML Verification:\n\n- To join a program, customers must pass Know Your Customer (KYC) and Anti-Money Laundering (AML) identity verification as required by Fifth Third Bank.\n\n- KYC_status on the customer record will indicate the current state of the KYC/AML workflow.\n\nOnce a valid onboarding request is received, Newline initiates KYC/AML verification using the customer's PII.  \n**Verification statuses include:**\n\n- Approved\n\n- Manual Review\n\n- Documents Required\n\n- Denied\n\nNewline will work with clients to define these states.\n\n## Program-Specific Records:\n\n- A new customer record must be created for each program, even if an identical customer exists in another program.\n\n- Customer records are not accessible outside of their associated program.\n\n## Customer Management Functions:\n\nThe Customers Endpoint can also be used to perform management actions such as:\n\n- Freezing or unfreezing a customer\n\n- Archiving a customer"},{"name":"Pools","description":"Pools group multiple Customers for asset sharing and distributed account ownership. Each Pool is unique to a Customer or program.\n\n**Endpoints:**\n\n- GET [List Pools: GET /pools](https://developers.newline53.com/reference/get_pools)\n    \n- GET [Get a single Pool: GET /pools/{uid}](https://developers.newline53.com/reference/get_pools-uid)\n\nA pool is a construct that Newline uses to associate multiple customers with each other. A Pool is always associated with at least one Customer, but all accounts are only ever associated with a single Pool. This enables asset sharing and distributed ownership of accounts across multiple Customers.\n\nNewline currently supports single Customer Pools, where **one Customer is associated with one Pool and vice versa**. All accounts, transfers, and transactions are related to the Customer's Pool, not the Customer. The Pool UID appears on several endpoint responses and may be required by the API in some instances."},{"name":"Products","description":"Products represent financial services available in your program. Discover onboarding requirements, prerequisites, and detailed product configurations.\n\n**Endpoints:**\n\n- GET [List Products: GET /products](https://developers.newline53.com/reference/get_products)\n    \n- GET [Get a single Product: GET /products/{uid}](https://developers.newline53.com/reference/get_products-uid)\n\nThe Products endpoint represents the financial products available to your Customers. It exposes the accounts, compliance, and Customer Profile Requirements necessary for your Customer to access the Product. For some programs, a customer must onboard one product before another product is made available. Newline will work with clients to define the required Product onboarding sequence as part of your Program.\n\nUse the Products endpoint to view the Products available to your Program and the prerequisite information or actions that must be taken for a Customer to access the Product.\n\nFor more information about Newline's products and their utilization, please refer to the [Products Programs](https://developers.newline53.com/docs/product-programs) guides."},{"name":"Customer Products","description":"Customer Products link Customers to financial products. This section outlines how to onboard customers, manage their product relationships, and track statuses.\n\n**Endpoints:**\n\n- GET [List Customer Products: GET /customer_products](https://developers.newline53.com/reference/get_customer-products)\n    \n- POST [Onboard a Customer onto a Product: POST /customer_products](https://developers.newline53.com/reference/post_customer-products)\n    \n- GET [Get a single Customer Product: GET /customer_products/{uid}](https://developers.newline53.com/reference/get_customer-products-uid)\n\nCustomer Product records are generated when a Customer is submitted for onboarding to a specific Product.\n\n## Newline preset-Customers\n\nIf the Client is also the Customer, the Customer Product record will be autogenerated during the Client's onboarding to our production environment.\n\n## Client-initiated Customers\n\nWhen clients onboard a Customer, the Customer must fulfill the prerequisite Product requirements. Newline will then verify that the Product requirements have been met.\n\nIf the Product requirements are met, Newline will proceed with account opening and feature enablement as specified by the Product. If the product requirements are unmet, Newline will return an error response indicating which element of the product validation failed."},{"name":"Custodial Accounts","description":"Fifth Third Bank holds Custodial Accounts and represents funds managed for Customers. Through these endpoints, you can manage balances and track account statuses.\n\n**Endpoints:**\n\n- GET [List Custodial Accounts: GET /custodial_accounts](https://developers.newline53.com/reference/get_custodial-accounts)\n    \n- GET [Get a single Custodial Account: GET /custodial_accounts/{uid}](https://developers.newline53.com/reference/get_custodial-accounts-uid)\n\nA Custodial Account is the account held by Fifth Third Bank. Custodial Accounts in a Program can only be created for the Service Offerings that have been configured for that Program.\n\nA Customer must successfully complete onboarding and pass all KYC/AML checks before their Custodial Accounts can be opened. This endpoint can be used to retrieve the accounts (active and archived) and their balances for your Customers. All funds must be emptied from a Custodial Account before it can be archived."},{"name":"Synthetic Accounts","description":"Synthetic Accounts serve as the foundation for asset tracking in Newline. They allow for flexible configurations tailored to your program.\n\n**Endpoints:**\n\n- GET [List Synthetic Account Types: GET /synthetic_account_types](https://developers.newline53.com/reference/get_synthetic-account-types)\n\n- GET [Get a single Synthetic Account Type: GET /synthetic_account_types/{uid}](https://developers.newline53.com/reference/get_synthetic-account-types-uid)\n\n- GET [List Synthetic Accounts: GET /synthetic_accounts](https://developers.newline53.com/reference/get_synthetic-accounts)\n\n- POST [Create a New Synthetic Account: POST /synthetic_accounts](https://developers.newline53.com/reference/post_synthetic-accounts)\n\n- GET [Get a single Synthetic Account: GET /synthetic_accounts/{uid}](https://developers.newline53.com/reference/get_synthetic-accounts-uid)\n\n- PUT [Update Synthetic Account metadata: PUT /synthetic_accounts/{uid}](https://developers.newline53.com/reference/put_synthetic-accounts-uid)\n\n- DELETE [Archive a Synthetic Account: DELETE /synthetic_accounts/{uid}](https://developers.newline53.com/reference/delete_synthetic-accounts-uid)\n\nSynthetic Accounts are the foundation of your application and the interface between your Customers. They are designed to track any asset type for any Customer at Newline. A single Synthetic Account can be configured to blend assets from multiple core accounts for multiple Customers.\n\nThe types and distribution of assets, the number of Customers, and many other rules governing a Synthetic Account's usage can be configured for each Account on a Program-by-Program basis via the Synthetic Account Types.\n\nThe list of Synthetic Account Types and their rules for each Program are set up during Program configuration. Each Synthetic Account Type belongs to one of a handful of Synthetic Account Categories that govern their primary purpose and handling by the Newline platform, such as general use or external accounts. You may retrieve the complete list of available types via the [GET /synthetic_account_types](https://developers.newline53.com/reference/get_synthetic-account-types) endpoint."},{"name":"Transfers","description":"Transfers facilitate the movement of assets between accounts, enabling transactions such as payments and withdrawals.\n\n**Endpoints:**\n\n- GET [List Transfers: GET /transfers](https://developers.newline53.com/reference/get_transfers)\n\n- POST [Initiate a Transfer: POST /transfers](https://developers.newline53.com/reference/post_transfers)\n\n- GET [Get a single Transfer: GET /transfers/{uid}](https://developers.newline53.com/reference/get_transfers-uid)\n\n- PUT [Cancel a Transfer: PUT /transfers/{uid}/cancel](https://developers.newline53.com/reference/put_transfers-uid-cancel)\n\nA Transfer is the Action of moving assets between two Synthetic Accounts. Most asset movement initiated by your application will result in a Transfer. Asset movement is determined by the makeup of assets in both participating accounts, the Synthetic Account Type of the participating accounts, the available Custodial Accounts for all participating Customers, and the overall Program configuration. A Transfer can never be initiated between two external accounts.\n\n### Company ID Behavior\n\nThe company_id field is optional when initiating a transfer. However, it becomes required if your organization has multiple company IDs or multiple custodial accounts, to ensure accurate routing of funds. If provided, the value will be validated.\n\nIn sandbox environments:\n\n- `company_id` is optional and will be validated if supplied.\n- `company_id` and custodial accounts are always in a 1:1 relationship.\n\n> **Note** \n> Any time a Transfer is created, it creates 1+ Transactions, which are returned in the response payload for a successful Transfer. Please note or record these uids, as they will be needed to query the Transaction object and any associated key data points. For instance, Fed IMAD or CHIPS SSN is used for outgoing wires."},{"name":"Transactions","description":"Transactions represent asset movements, such as ACH payments, wire transfers, or card purchases. Track transaction statuses and events through these endpoints.  \n**Endpoints:**\n\n- GET [List Transactions: GET /transactions](https://developers.newline53.com/reference/get_transactions)\n\n- GET [Get a single Transaction: GET /transactions/{uid}](https://developers.newline53.com/reference/get_transactions-uid)\n\n- PUT [Approve or deny a Transaction: PUT /transactions/{uid}/authorize](https://developers.newline53.com/reference/put_transactions-uid-authorize)\n\n- GET [List Transaction Events: GET /transaction_events](https://developers.newline53.com/reference/get_transaction-events)\n\n- GET [Get a single Transaction Event: GET /transaction_events/{uid}](https://developers.newline53.com/reference/get_transaction-events-uid)\n\n- GET [List Synthetic Line Items: GET /synthetic_line_items](https://developers.newline53.com/reference/get_synthetic-line-items)\n\n- GET [Get a single Synthetic Line Item: GET /synthetic_line_items/{uid}](https://developers.newline53.com/reference/get_synthetic-line-items-uid)\n\n- GET [List Custodial Line Items: GET /custodial_line_items](https://developers.newline53.com/reference/get_custodial-line-items)\n\n- GET [Get a single Custodial Line Item: GET /custodial_line_items/{uid}](https://developers.newline53.com/reference/get_custodial-line-items-uid)\n\nTransactions are created based on how you instruct Newline to move assets (a Transfer) or how assets are moved or spent outside your application (ATM withdrawals, debit card purchases, wire transfers, etc…). The Transaction contains the amount, origin, and destination of assets. Newline categorizes Transactions into types to assist in their classification and representation.\n\nTransactions fall into many categories, including debit card purchases, direct deposits, interest, and fees. This endpoint can retrieve a list of Transactions or track the status of an ongoing Transaction.\n\nTransaction Events are created as a result of a Transaction. They capture the steps required to complete the Transaction. These can be used to view the progress of an in-flight Transaction or see the history of a completed Transaction.\n\nLine Items are created for each Transaction Event. They catalog the individual credits and debits associated with the accounts involved in the Transaction."},{"name":"Virtual Reference Numbers","description":"VRNs act as aliases for accounts, enabling unique use cases like accounts receivable segmentation or reconciliation.  \n\n**Endpoints:**\n\n- GET [List Virtual Reference Numbers: GET /virtual_reference_numbers](https://developers.newline53.com/reference/get_virtual-reference-numbers)\n\n- POST [Create a new Virtual Reference Number: POST /virtual_reference_numbers](https://developers.newline53.com/reference/post_virtual-reference-numbers)\n\n- GET [Get a single Virtual Reference Number: GET /virtual_reference_numbers/{uid}](https://developers.newline53.com/reference/get_virtual-reference-numbers-uid)\n\n- PUT [Edit a Virtual Reference Number: PUT /virtual_reference_numbers/{uid}](https://developers.newline53.com/reference/put_virtual-reference-numbers-uid)\n\n- DELETE [Archive a Virtual Reference Number: DELETE /virtual_reference_numbers/{uid}](https://developers.newline53.com/reference/delete_virtual-reference-numbers-uid)\n\n- PUT [Lock a Virtual Reference Number: PUT /virtual_reference_numbers/{uid}/lock](https://developers.newline53.com/reference/put_virtual-reference-numbers-uid-lock)\n\n- PUT [Unlock a Virtual Reference Number: PUT /virtual_reference_numbers/{uid}/unlock](https://developers.newline53.com/reference/put_virtual-reference-numbers-uid-unlock)\n\nVirtual Reference Numbers (or VRNs) are virtualized account numbers that point to a single deposit account. They are aliases to a Synthetic Account and can form a many-to-one relationship with their parent Synthetic Account.\n\n**Common VRNs Use Cases:**\n\n- This is to reference a stored funds product that is client-managed on a separate ledger. Clients can then provide VRNs to external merchants or counterparties who wish to pay for that stored fund's product.\n\n- This provides Clients with another layer of network-addressable account numbers with which to accept payments. This many-to-one relationship affords Clients account segmentation. For instance, one VRN is utilized for Accounts Receivable (AR) while the other is used for Accounts Payable (AP), all while referencing the same underlying Account.\n\nThese same VRNs can then be aligned with Custodial Accounts transactions to allow for quick reconciliation or accounting.\n\n> **Note**\n> For certain payment rails, like Instant Payments, VRNs must be registered with Newline and Fifth Third before being used, as this will allow for network acceptance. Please review the fields in each API reference to confirm Instant Payment registration."},{"name":"Returns","description":"The Returns endpoints help initiate, track, and manage returns of received and originated payments. These endpoints are accessible within the Sandbox and Production environments.\n\n**Endpoints:**\n\n- GET [List Returns: GET /returns](https://developers.newline53.com/reference/get_returns)\n- POST [Create a new Return: POST /returns](https://developers.newline53.com/reference/post_returns)\n- GET [Get a single Return: GET /returns/{uid}](https://developers.newline53.com/reference/get_returns-uid)\n\nThe returns endpoint allows for the retrieval and creation of return transactions within the system.\n\n[GET List Returns](https://ne

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