Check Account

The Check Account API verifies a bank account linked through Plaid and returns a reusable accountTokenId you can use to pull funds via ACH — without ever handling raw account and routing numbers.

It is the finalization step of the Plaid bank-linking flow: after the customer completes Plaid Link, you exchange the Plaid public token (accountCheckToken) and account id (accountCheckId) for a tokenized, verified account.

Use this endpoint to:

Tokenize a Plaid-linked account into an accountTokenId for reuse in payments
Verify account ownership before submitting a pull payment
Reduce failed transactions by catching invalid account details early

Note: This API does not charge the account or create a payment. It only verifies and tokenizes the account.

Endpoint

POST https://{FQDN}/check-account

Headers:

Header	Value
`Authorization`	`Bearer {accessToken}`
`Content-Type`	`application/json`

Request

Root Object

Field	Type	Required	Description
`externalPaymentId`	string	✅	Your unique identifier for this verification request (idempotency key)
`sender`	object	✅	Sender details — wraps the payment method to verify

`sender` Object

Field	Type	Required	Description
`paymentMethod`	object	✅	The Plaid-linked account to verify and tokenize

`sender.paymentMethod`

Field	Type	Required	Description
`type`	string	✅	`"BANK_DEPOSIT"`
`countryCode`	string	✅	Country of the bank (ISO Alpha-2, e.g. `"US"`)
`accountCheckToken`	string	✅	The Plaid public token returned by Plaid Link on the client (`public-sandbox-...` / `public-production-...`)
`accountCheckId`	string	✅	The Plaid account id the customer selected in Plaid Link

Example Request

curl -X POST https://{FQDN}/check-account \
  -H 'Authorization: Bearer eyJhbGciOiJSUzI1NiIs...' \
  -H 'Content-Type: application/json' \
  -d '{
    "externalPaymentId": "CHECK_ACCOUNT_0a022f78-14b6-4f6b-8ddd-d1c9be7c4dcc",
    "sender": {
      "paymentMethod": {
        "type": "BANK_DEPOSIT",
        "countryCode": "US",
        "accountCheckToken": "public-sandbox-57f6f60a-e637-4582-8858-b871e59f5f4e",
        "accountCheckId": "X4943dk1W1CbvoJ6r3vPTQrLgWlmyet1vm1on"
      }
    }
  }'

Response — Verified (200)

{
  "paymentId": "cf8600be-ec46-4ed9-a00b-ece348004ca7",
  "parentPaymentId": "cf8600be-ec46-4ed9-a00b-ece348004ca7",
  "externalPaymentId": "CHECK_ACCOUNT_0a022f78-14b6-4f6b-8ddd-d1c9be7c4dcc",
  "accountTokenId": "62d37fd8-89d0-43ca-900f-a75a6e871fe5",
  "created": "2026-05-29 16:39:57",
  "approved": true,
  "accessToken": "access-sandbox-b16d9e78-b2d0-48ca-b2af-dc985571776b",
  "status": "VERIFIED",
  "bankAccountName": "Chase",
  "accountNumberMasked": "************0000",
  "routingNumberMasked": "*****1533"
}

Response Fields

Field	Type	Description
`paymentId`	string	Inyo's unique identifier for this verification
`parentPaymentId`	string	Root identifier (equals `paymentId` for a standalone check)
`externalPaymentId`	string	The identifier you supplied in the request
`accountTokenId`	string	The tokenized account. Pass this as `sender.paymentMethod.accountTokenId` in a payment request to pull funds
`created`	string	Verification timestamp
`approved`	boolean	Whether the account was successfully verified
`accessToken`	string	Plaid access token associated with the linked item (store securely if you need to re-query the account)
`status`	string	Verification status — `VERIFIED` on success
`bankAccountName`	string	Institution name (e.g. `"Chase"`)
`accountNumberMasked`	string	Masked account number
`routingNumberMasked`	string	Masked routing number

Using the `accountTokenId` in a Payment

Once verified, reference the account by its token in a PULL payment — no raw account numbers required:

curl -X POST https://{FQDN}/v2/payment \
  -H 'Authorization: Bearer eyJhbGciOiJSUzI1NiIs...' \
  -H 'Content-Type: application/json' \
  -d '{
    "externalPaymentId": "ach-order-001",
    "ipAddress": "203.0.113.42",
    "paymentType": "PULL",
    "capture": true,
    "amount": { "total": 19.99, "currency": "USD" },
    "sender": {
      "firstName": "John",
      "lastName": "Smith",
      "paymentMethod": {
        "type": "BANK_DEPOSIT",
        "accountTokenId": "62d37fd8-89d0-43ca-900f-a75a6e871fe5"
      }
    }
  }'

What's Next

Linking Bank Accounts with Plaid — Create the Plaid Link token and obtain the accountCheckToken
ACH (Bank Account) — Pull funds using the tokenized account
Check Card Account (ANI) — Validate cards with AVS, CVC, and Visa ANI
Push Transaction — Send payouts to bank accounts, cards, PIX, and wallets