The buyer (your Customer) always needs to have a unique Meld customerId mapped to them. In a Payin transaction, you are debiting from the buyer and crediting to your own account. In a Payout transaction, you are crediting to the buyer and debiting from your own account. You (the merchant, seller) do not need to create a customerId.

🚧

Account Verification is required before creating a Customer for ACH Transactions

Before beginning an ACH flow, you need to verify a customer's account as described on the "Making ACH Payments" page.

Each customer you create needs to use the Meld customerId used in the account verification flow.

Note: If the buyer is a repeat customer and you already know their meld customerId, you can skip these steps.

1. Now that you have completed identity verification, call Meld's update customer endpoint to update the existing customerId (from the bank linking connection) with at least the customer's first, last name, and email address. If the bank account has several names on it, any one of the names should suffice.
2. Once you have updated the customer's name, call Meld's update customer address endpoint to add an address to the customer, with lineOne, city, country, postal code, and region (state) being required.

An ACH customer must have a name, email address, and address. Now you are ready to actually make an ACH transaction.

API Calls

The Meld customerId is a path param for both of the following calls.

Update a Customer's Name and Email Address

Here is a sample call to /customers/:customerId to update a customer:

{
    "name" : {
        "firstName" : "John",
        "lastName" : "Smith"
    },
    "email" : "[email protected]",
}

Here is a sample response:

{
    "id": "WXDeHGgNJ1t1nFnoVY43Bh",
    "accountId": "W2bJdfJRoJQHjsNnUeUNRA",
    "externalId": "testcustomer1",
    "name": null,
    "email": "[email protected]",
    "phone": null,
    "addresses": [],
    "serviceProviderCustomers": [],
    "status": "ACTIVE"
}

Update a Customer's Address

Here is a sample call to /customers/:customerId/addresses:

{
    "type" : "BILLING",
    "address" : {
        "firstName" : "John",
        "lastName" : "Smith",
        "lineOne" : "123 Fake St",
        "city" : "Boston",
        "region" : "MA",
        "country" : "US",
        "postalCode" : "02112"  
    }
}

Here is a sample response:

{
    "id": "WXDeHD8aBDD5c6dqBmNGFD",
    "customerId": "WXDeHGgNJ1t1nFnoVY43Bh",
    "type": "BILLING",
    "status": "ACTIVE",
    "addressDetails": {
        "lineOne": "123 Fake St",
        "lineTwo": null,
        "city": "Boston",
        "region": "MA",
        "country": "US",
        "postalCode": "02112"
    }
}