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# Add bank payment method

POST https://api.useroot.com/api/payees/{payee_id}/payment-methods/pay-to-bank
Content-Type: application/json

Adds a new bank account payment method for a payee. Supports pay-to-bank transfers with account and routing number details for United States and Great Britain bank accounts.

**Path Parameters**

| Parameter | Type | Required | Description |
|-----------|------|----------|-------------|
| `payee_id` | UUID | Yes | ID of the payee to add the payment method to |

**Request Body — bank account shapes**

Send **`country_code`**, **`currency_code`**, **`routing_number_type`**, **`account_number`**, and **`routing_number`** consistent with one of the supported rows below. Internally inconsistent combinations (for example US country with an IBAN-shaped account, or GB with ABA routing) return **`400`** validation errors.

| Region | `country_code` | `currency_code` | `routing_number_type` | `account_number` | `routing_number` |
|--------|----------------|-----------------|------------------------|------------------|------------------|
| United States | `US` | `USD` | `aba` (default) | Domestic US account number (digits; not IBAN-shaped) | 9-digit ABA routing number |
| Great Britain | `GB` | `GBP` | `bic` | Valid **GB** IBAN | BIC / SWIFT (**8** or **11** characters) |

**When `country_code` and `currency_code` are omitted**  
They default to **`US`** and **`USD`**; `routing_number_type` defaults to **`aba`**.

**Great Britain notes**

- IBAN must validate structurally (including check digits) and use the **`GB`** country prefix for v1.
- On create, verification may return **`pending`**; use GET list/detail on payment methods or webhooks to observe **`verified`** or **`failed`**.

**Request Body fields**

| Field | Type | Required | Description | Validation Rules |
|-------|------|----------|-------------|-----------------|
| `account_number` | String | Yes | Account identifier | **US:** digits-only domestic account (max length per API). **GB:** IBAN (GB prefix, valid checksum). |
| `routing_number` | String | Yes | Routing identifier | **US:** 9-digit ABA. **GB:** BIC/SWIFT per `routing_number_type` `bic`. |
| `routing_number_type` | String | No | `aba` or `bic` | Must match `country_code` row in the matrix above (GB requires `bic`). |
| `currency_code` | String | No | ISO 4217 code | Must pair with `country_code` per supported pairs (`USD`↔`US`, `GBP`↔`GB`). |
| `country_code` | String | No | ISO 3166-1 alpha-2 | `US` or `GB` for supported payee bank accounts. |

**Response Body**

| Field | Type | Description |
|-------|------|-------------|
| `id` | UUID | Unique identifier for the payment method |
| `payee_id` | UUID | ID of the payee associated with the payment method |
| `account_last_four` | String | Last four characters/digits derived from the account number for display |
| `routing_number` | String | Routing identifier stored for the payment method |
| `currency_code` | String | ISO 4217 currency code of the account |
| `country_code` | String | ISO 3166-1 alpha-2 country code of the bank account |
| `verification_status` | String | Current verification status (`pending`, `verified`, or `failed`) |
| `is_default` | Boolean | Whether this is the default payment method for the payee |
| `supported_rails` | Array | Rails available for this payment method given country, currency, and bank configuration |
| `created_at` | DateTime | Timestamp when the payment method was created |
| `updated_at` | DateTime | Timestamp when the payment method was last updated |
| `warning` | String | Optional. Present on 207 responses when the payment method was created but not set as default |

**Success Responses**

| Status Code | Description |
|-------------|-------------|
| 201 | Created - The payment method was successfully added and set as default (if requested) |
| 207 | Multi-Status - The payment method was created but not set as default due to verification status. Check `warning` for details. |

**Error Responses**

| Status Code | Error Code | Description |
|-------------|------------|-------------|
| 400 | VALIDATION_ERROR | The provided data failed validation |
| 401 | AUTHENTICATION_ERROR | Authentication credentials are invalid or missing |
| 403 | AUTHORIZATION_ERROR | You do not have permission to perform this action |
| 404 | NOT_FOUND | The specified payee was not found |
| 409 | DUPLICATE_RESOURCE | A payment method with these details already exists |
| 422 | INVALID_PAYMENT_DETAILS | The payment details are invalid or incomplete |

Reference: https://useroot.docs.buildwithfern.com/api-reference/payment-methods-api/payee-payment-methods-api/add-payee-bank-payment-method

## Authentication

- `x-api-key` header (required) — RootPay API key sent in the x-api-key header. Keys are environment-scoped: live_* for production, test_* for sandbox.

## Request

### Path parameters

- `payee_id` (string, required)

### Query parameters

- `is_default` (boolean, optional, default: true) — Whether to set this payment method as default

### Body (application/json)

- `account_number` (string, required)
- `routing_number` (string, required)
- `routing_number_type` (enum, optional) — aba (US), bic (GB), or ifsc (IN)
  - Allowed values: `aba`, `bic`, `ifsc`
- `currency_code` (enum, optional) — USD (US), GBP (GB), or INR (IN)
  - Allowed values: `USD`, `GBP`, `INR`
- `country_code` (enum, optional) — US, GB, or IN
  - Allowed values: `US`, `GB`, `IN`

## Response

### 201

Bank payment method created successfully

- `data` (object, required) — Shared response model for bank payment methods (both payee and payer).
  - `created_at` (datetime, required)
  - `updated_at` (datetime, required)
  - `id` (string, required)
  - `account_last_four` (string, required)
  - `routing_number` (string, required)
  - `currency_code` (enum, required)
    - Allowed values: `USD`, `GBP`, `INR`
  - `country_code` (enum, required)
    - Allowed values: `US`, `GB`, `IN`
  - `verification_status` (enum, required)
    - Allowed values: `verified`, `pending`, `failed`
  - `is_default` (boolean, required)
  - `supported_rails` (list of enum, required)
    - Allowed values: `instant_card`, `instant_bank`, `same_day_ach`, `standard_ach`, `wire`, `{'instant_card', 'instant_bank'}`, `{'standard_ach', 'same_day_ach'}`, `{'standard_ach', 'wire'}`
  - `payee_id` (string, optional, nullable)
  - `payer_id` (string, optional, nullable)
  - `warning` (string, optional, nullable)
- `warning` (string, optional, nullable)

### 207

Bank payment method created but not set as default due to verification status

## Examples

### United States (ABA)

**Request**

```json
{
  "account_number": "1234567890",
  "routing_number": "021000021",
  "routing_number_type": "aba",
  "currency_code": "USD",
  "country_code": "US"
}
```

**Response**

```json
{
  "data": {
    "created_at": "2024-03-20T12:00:00Z",
    "updated_at": "2024-03-20T12:00:00Z",
    "id": "123e4567-e89b-12d3-a456-426614174000",
    "account_last_four": "7890",
    "routing_number": "021000021",
    "currency_code": "USD",
    "country_code": "US",
    "verification_status": "verified",
    "is_default": true,
    "supported_rails": [
      "instant_bank",
      "same_day_ach",
      "standard_ach",
      "wire"
    ],
    "payee_id": "987e6543-c21b-43a5-a987-654321098765"
  }
}
```

**SDK Code**

```python United States (ABA)
import requests

url = "https://api.useroot.com/api/payees/payee_id/payment-methods/pay-to-bank"

payload = {
    "account_number": "1234567890",
    "routing_number": "021000021",
    "routing_number_type": "aba",
    "currency_code": "USD",
    "country_code": "US"
}
headers = {
    "x-api-key": "<apiKey>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.json())
```

```javascript United States (ABA)
const url = 'https://api.useroot.com/api/payees/payee_id/payment-methods/pay-to-bank';
const options = {
  method: 'POST',
  headers: {'x-api-key': '<apiKey>', 'Content-Type': 'application/json'},
  body: '{"account_number":"1234567890","routing_number":"021000021","routing_number_type":"aba","currency_code":"USD","country_code":"US"}'
};

try {
  const response = await fetch(url, options);
  const data = await response.json();
  console.log(data);
} catch (error) {
  console.error(error);
}
```

```go United States (ABA)
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.useroot.com/api/payees/payee_id/payment-methods/pay-to-bank"

	payload := strings.NewReader("{\n  \"account_number\": \"1234567890\",\n  \"routing_number\": \"021000021\",\n  \"routing_number_type\": \"aba\",\n  \"currency_code\": \"USD\",\n  \"country_code\": \"US\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("x-api-key", "<apiKey>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

```ruby United States (ABA)
require 'uri'
require 'net/http'

url = URI("https://api.useroot.com/api/payees/payee_id/payment-methods/pay-to-bank")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["x-api-key"] = '<apiKey>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"account_number\": \"1234567890\",\n  \"routing_number\": \"021000021\",\n  \"routing_number_type\": \"aba\",\n  \"currency_code\": \"USD\",\n  \"country_code\": \"US\"\n}"

response = http.request(request)
puts response.read_body
```

```java United States (ABA)
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.post("https://api.useroot.com/api/payees/payee_id/payment-methods/pay-to-bank")
  .header("x-api-key", "<apiKey>")
  .header("Content-Type", "application/json")
  .body("{\n  \"account_number\": \"1234567890\",\n  \"routing_number\": \"021000021\",\n  \"routing_number_type\": \"aba\",\n  \"currency_code\": \"USD\",\n  \"country_code\": \"US\"\n}")
  .asString();
```

```php United States (ABA)
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://api.useroot.com/api/payees/payee_id/payment-methods/pay-to-bank', [
  'body' => '{
  "account_number": "1234567890",
  "routing_number": "021000021",
  "routing_number_type": "aba",
  "currency_code": "USD",
  "country_code": "US"
}',
  'headers' => [
    'Content-Type' => 'application/json',
    'x-api-key' => '<apiKey>',
  ],
]);

echo $response->getBody();
```

```csharp United States (ABA)
using RestSharp;

var client = new RestClient("https://api.useroot.com/api/payees/payee_id/payment-methods/pay-to-bank");
var request = new RestRequest(Method.POST);
request.AddHeader("x-api-key", "<apiKey>");
request.AddHeader("Content-Type", "application/json");
request.AddParameter("application/json", "{\n  \"account_number\": \"1234567890\",\n  \"routing_number\": \"021000021\",\n  \"routing_number_type\": \"aba\",\n  \"currency_code\": \"USD\",\n  \"country_code\": \"US\"\n}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);
```

```swift United States (ABA)
import Foundation

let headers = [
  "x-api-key": "<apiKey>",
  "Content-Type": "application/json"
]
let parameters = [
  "account_number": "1234567890",
  "routing_number": "021000021",
  "routing_number_type": "aba",
  "currency_code": "USD",
  "country_code": "US"
] as [String : Any]

let postData = JSONSerialization.data(withJSONObject: parameters, options: [])

let request = NSMutableURLRequest(url: NSURL(string: "https://api.useroot.com/api/payees/payee_id/payment-methods/pay-to-bank")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "POST"
request.allHTTPHeaderFields = headers
request.httpBody = postData as Data

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```

### Great Britain (IBAN + BIC)

**Request**

```json
{
  "account_number": "GB29NWBK60161331926819",
  "routing_number": "NWBKGB2LXXX",
  "routing_number_type": "bic",
  "currency_code": "GBP",
  "country_code": "GB"
}
```

**Response**

```json
{
  "data": {
    "created_at": "2024-03-20T12:00:00Z",
    "updated_at": "2024-03-20T12:00:00Z",
    "id": "123e4567-e89b-12d3-a456-426614174004",
    "account_last_four": "6819",
    "routing_number": "NWBKGB2LXXX",
    "currency_code": "GBP",
    "country_code": "GB",
    "verification_status": "pending",
    "is_default": true,
    "supported_rails": [
      "standard_ach",
      "wire"
    ],
    "payee_id": "987e6543-c21b-43a5-a987-654321098765"
  }
}
```

**SDK Code**

```python Great Britain (IBAN + BIC)
import requests

url = "https://api.useroot.com/api/payees/payee_id/payment-methods/pay-to-bank"

payload = {
    "account_number": "GB29NWBK60161331926819",
    "routing_number": "NWBKGB2LXXX",
    "routing_number_type": "bic",
    "currency_code": "GBP",
    "country_code": "GB"
}
headers = {
    "x-api-key": "<apiKey>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.json())
```

```javascript Great Britain (IBAN + BIC)
const url = 'https://api.useroot.com/api/payees/payee_id/payment-methods/pay-to-bank';
const options = {
  method: 'POST',
  headers: {'x-api-key': '<apiKey>', 'Content-Type': 'application/json'},
  body: '{"account_number":"GB29NWBK60161331926819","routing_number":"NWBKGB2LXXX","routing_number_type":"bic","currency_code":"GBP","country_code":"GB"}'
};

try {
  const response = await fetch(url, options);
  const data = await response.json();
  console.log(data);
} catch (error) {
  console.error(error);
}
```

```go Great Britain (IBAN + BIC)
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.useroot.com/api/payees/payee_id/payment-methods/pay-to-bank"

	payload := strings.NewReader("{\n  \"account_number\": \"GB29NWBK60161331926819\",\n  \"routing_number\": \"NWBKGB2LXXX\",\n  \"routing_number_type\": \"bic\",\n  \"currency_code\": \"GBP\",\n  \"country_code\": \"GB\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("x-api-key", "<apiKey>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

```ruby Great Britain (IBAN + BIC)
require 'uri'
require 'net/http'

url = URI("https://api.useroot.com/api/payees/payee_id/payment-methods/pay-to-bank")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["x-api-key"] = '<apiKey>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"account_number\": \"GB29NWBK60161331926819\",\n  \"routing_number\": \"NWBKGB2LXXX\",\n  \"routing_number_type\": \"bic\",\n  \"currency_code\": \"GBP\",\n  \"country_code\": \"GB\"\n}"

response = http.request(request)
puts response.read_body
```

```java Great Britain (IBAN + BIC)
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.post("https://api.useroot.com/api/payees/payee_id/payment-methods/pay-to-bank")
  .header("x-api-key", "<apiKey>")
  .header("Content-Type", "application/json")
  .body("{\n  \"account_number\": \"GB29NWBK60161331926819\",\n  \"routing_number\": \"NWBKGB2LXXX\",\n  \"routing_number_type\": \"bic\",\n  \"currency_code\": \"GBP\",\n  \"country_code\": \"GB\"\n}")
  .asString();
```

```php Great Britain (IBAN + BIC)
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://api.useroot.com/api/payees/payee_id/payment-methods/pay-to-bank', [
  'body' => '{
  "account_number": "GB29NWBK60161331926819",
  "routing_number": "NWBKGB2LXXX",
  "routing_number_type": "bic",
  "currency_code": "GBP",
  "country_code": "GB"
}',
  'headers' => [
    'Content-Type' => 'application/json',
    'x-api-key' => '<apiKey>',
  ],
]);

echo $response->getBody();
```

```csharp Great Britain (IBAN + BIC)
using RestSharp;

var client = new RestClient("https://api.useroot.com/api/payees/payee_id/payment-methods/pay-to-bank");
var request = new RestRequest(Method.POST);
request.AddHeader("x-api-key", "<apiKey>");
request.AddHeader("Content-Type", "application/json");
request.AddParameter("application/json", "{\n  \"account_number\": \"GB29NWBK60161331926819\",\n  \"routing_number\": \"NWBKGB2LXXX\",\n  \"routing_number_type\": \"bic\",\n  \"currency_code\": \"GBP\",\n  \"country_code\": \"GB\"\n}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);
```

```swift Great Britain (IBAN + BIC)
import Foundation

let headers = [
  "x-api-key": "<apiKey>",
  "Content-Type": "application/json"
]
let parameters = [
  "account_number": "GB29NWBK60161331926819",
  "routing_number": "NWBKGB2LXXX",
  "routing_number_type": "bic",
  "currency_code": "GBP",
  "country_code": "GB"
] as [String : Any]

let postData = JSONSerialization.data(withJSONObject: parameters, options: [])

let request = NSMutableURLRequest(url: NSURL(string: "https://api.useroot.com/api/payees/payee_id/payment-methods/pay-to-bank")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "POST"
request.allHTTPHeaderFields = headers
request.httpBody = postData as Data

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```

### Unverified bank account

**Request**

```json
{
  "account_number": "1234567890",
  "routing_number": "021000021",
  "routing_number_type": "aba",
  "currency_code": "USD",
  "country_code": "US"
}
```

**Response**

```json
{
  "data": {
    "created_at": "2024-03-20T12:00:00Z",
    "updated_at": "2024-03-20T12:00:00Z",
    "id": "123e4567-e89b-12d3-a456-426614174000",
    "account_last_four": "7890",
    "routing_number": "021000021",
    "currency_code": "USD",
    "country_code": "US",
    "verification_status": "pending",
    "is_default": false,
    "supported_rails": [
      "instant_bank",
      "same_day_ach",
      "standard_ach",
      "wire"
    ],
    "payee_id": "987e6543-c21b-43a5-a987-654321098765",
    "warning": "Payment method was created but not set as default because it is not verified"
  }
}
```

**SDK Code**

```python Unverified bank account
import requests

url = "https://api.useroot.com/api/payees/payee_id/payment-methods/pay-to-bank"

payload = {
    "account_number": "1234567890",
    "routing_number": "021000021",
    "routing_number_type": "aba",
    "currency_code": "USD",
    "country_code": "US"
}
headers = {
    "x-api-key": "<apiKey>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.json())
```

```javascript Unverified bank account
const url = 'https://api.useroot.com/api/payees/payee_id/payment-methods/pay-to-bank';
const options = {
  method: 'POST',
  headers: {'x-api-key': '<apiKey>', 'Content-Type': 'application/json'},
  body: '{"account_number":"1234567890","routing_number":"021000021","routing_number_type":"aba","currency_code":"USD","country_code":"US"}'
};

try {
  const response = await fetch(url, options);
  const data = await response.json();
  console.log(data);
} catch (error) {
  console.error(error);
}
```

```go Unverified bank account
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.useroot.com/api/payees/payee_id/payment-methods/pay-to-bank"

	payload := strings.NewReader("{\n  \"account_number\": \"1234567890\",\n  \"routing_number\": \"021000021\",\n  \"routing_number_type\": \"aba\",\n  \"currency_code\": \"USD\",\n  \"country_code\": \"US\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("x-api-key", "<apiKey>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

```ruby Unverified bank account
require 'uri'
require 'net/http'

url = URI("https://api.useroot.com/api/payees/payee_id/payment-methods/pay-to-bank")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["x-api-key"] = '<apiKey>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"account_number\": \"1234567890\",\n  \"routing_number\": \"021000021\",\n  \"routing_number_type\": \"aba\",\n  \"currency_code\": \"USD\",\n  \"country_code\": \"US\"\n}"

response = http.request(request)
puts response.read_body
```

```java Unverified bank account
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.post("https://api.useroot.com/api/payees/payee_id/payment-methods/pay-to-bank")
  .header("x-api-key", "<apiKey>")
  .header("Content-Type", "application/json")
  .body("{\n  \"account_number\": \"1234567890\",\n  \"routing_number\": \"021000021\",\n  \"routing_number_type\": \"aba\",\n  \"currency_code\": \"USD\",\n  \"country_code\": \"US\"\n}")
  .asString();
```

```php Unverified bank account
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://api.useroot.com/api/payees/payee_id/payment-methods/pay-to-bank', [
  'body' => '{
  "account_number": "1234567890",
  "routing_number": "021000021",
  "routing_number_type": "aba",
  "currency_code": "USD",
  "country_code": "US"
}',
  'headers' => [
    'Content-Type' => 'application/json',
    'x-api-key' => '<apiKey>',
  ],
]);

echo $response->getBody();
```

```csharp Unverified bank account
using RestSharp;

var client = new RestClient("https://api.useroot.com/api/payees/payee_id/payment-methods/pay-to-bank");
var request = new RestRequest(Method.POST);
request.AddHeader("x-api-key", "<apiKey>");
request.AddHeader("Content-Type", "application/json");
request.AddParameter("application/json", "{\n  \"account_number\": \"1234567890\",\n  \"routing_number\": \"021000021\",\n  \"routing_number_type\": \"aba\",\n  \"currency_code\": \"USD\",\n  \"country_code\": \"US\"\n}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);
```

```swift Unverified bank account
import Foundation

let headers = [
  "x-api-key": "<apiKey>",
  "Content-Type": "application/json"
]
let parameters = [
  "account_number": "1234567890",
  "routing_number": "021000021",
  "routing_number_type": "aba",
  "currency_code": "USD",
  "country_code": "US"
] as [String : Any]

let postData = JSONSerialization.data(withJSONObject: parameters, options: [])

let request = NSMutableURLRequest(url: NSURL(string: "https://api.useroot.com/api/payees/payee_id/payment-methods/pay-to-bank")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "POST"
request.allHTTPHeaderFields = headers
request.httpBody = postData as Data

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```

### Unverified bank account

**Request**

```json
{
  "account_number": "1234567890",
  "routing_number": "021000021",
  "routing_number_type": "aba",
  "currency_code": "USD",
  "country_code": "US"
}
```

**Response**

```json
{
  "data": {
    "created_at": "2024-03-20T12:00:00Z",
    "updated_at": "2024-03-20T12:00:00Z",
    "id": "123e4567-e89b-12d3-a456-426614174000",
    "account_last_four": "7890",
    "routing_number": "021000021",
    "currency_code": "USD",
    "country_code": "US",
    "verification_status": "pending",
    "is_default": false,
    "supported_rails": [
      "instant_bank",
      "same_day_ach",
      "standard_ach",
      "wire"
    ],
    "payee_id": "987e6543-c21b-43a5-a987-654321098765",
    "warning": "Payment method was created but not set as default because it is not verified"
  }
}
```

**SDK Code**

```python Unverified bank account
import requests

url = "https://api.useroot.com/api/payees/payee_id/payment-methods/pay-to-bank"

payload = {
    "account_number": "1234567890",
    "routing_number": "021000021",
    "routing_number_type": "aba",
    "currency_code": "USD",
    "country_code": "US"
}
headers = {
    "x-api-key": "<apiKey>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.json())
```

```javascript Unverified bank account
const url = 'https://api.useroot.com/api/payees/payee_id/payment-methods/pay-to-bank';
const options = {
  method: 'POST',
  headers: {'x-api-key': '<apiKey>', 'Content-Type': 'application/json'},
  body: '{"account_number":"1234567890","routing_number":"021000021","routing_number_type":"aba","currency_code":"USD","country_code":"US"}'
};

try {
  const response = await fetch(url, options);
  const data = await response.json();
  console.log(data);
} catch (error) {
  console.error(error);
}
```

```go Unverified bank account
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.useroot.com/api/payees/payee_id/payment-methods/pay-to-bank"

	payload := strings.NewReader("{\n  \"account_number\": \"1234567890\",\n  \"routing_number\": \"021000021\",\n  \"routing_number_type\": \"aba\",\n  \"currency_code\": \"USD\",\n  \"country_code\": \"US\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("x-api-key", "<apiKey>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

```ruby Unverified bank account
require 'uri'
require 'net/http'

url = URI("https://api.useroot.com/api/payees/payee_id/payment-methods/pay-to-bank")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["x-api-key"] = '<apiKey>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"account_number\": \"1234567890\",\n  \"routing_number\": \"021000021\",\n  \"routing_number_type\": \"aba\",\n  \"currency_code\": \"USD\",\n  \"country_code\": \"US\"\n}"

response = http.request(request)
puts response.read_body
```

```java Unverified bank account
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.post("https://api.useroot.com/api/payees/payee_id/payment-methods/pay-to-bank")
  .header("x-api-key", "<apiKey>")
  .header("Content-Type", "application/json")
  .body("{\n  \"account_number\": \"1234567890\",\n  \"routing_number\": \"021000021\",\n  \"routing_number_type\": \"aba\",\n  \"currency_code\": \"USD\",\n  \"country_code\": \"US\"\n}")
  .asString();
```

```php Unverified bank account
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://api.useroot.com/api/payees/payee_id/payment-methods/pay-to-bank', [
  'body' => '{
  "account_number": "1234567890",
  "routing_number": "021000021",
  "routing_number_type": "aba",
  "currency_code": "USD",
  "country_code": "US"
}',
  'headers' => [
    'Content-Type' => 'application/json',
    'x-api-key' => '<apiKey>',
  ],
]);

echo $response->getBody();
```

```csharp Unverified bank account
using RestSharp;

var client = new RestClient("https://api.useroot.com/api/payees/payee_id/payment-methods/pay-to-bank");
var request = new RestRequest(Method.POST);
request.AddHeader("x-api-key", "<apiKey>");
request.AddHeader("Content-Type", "application/json");
request.AddParameter("application/json", "{\n  \"account_number\": \"1234567890\",\n  \"routing_number\": \"021000021\",\n  \"routing_number_type\": \"aba\",\n  \"currency_code\": \"USD\",\n  \"country_code\": \"US\"\n}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);
```

```swift Unverified bank account
import Foundation

let headers = [
  "x-api-key": "<apiKey>",
  "Content-Type": "application/json"
]
let parameters = [
  "account_number": "1234567890",
  "routing_number": "021000021",
  "routing_number_type": "aba",
  "currency_code": "USD",
  "country_code": "US"
] as [String : Any]

let postData = JSONSerialization.data(withJSONObject: parameters, options: [])

let request = NSMutableURLRequest(url: NSURL(string: "https://api.useroot.com/api/payees/payee_id/payment-methods/pay-to-bank")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "POST"
request.allHTTPHeaderFields = headers
request.httpBody = postData as Data

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```