Accounts

Before an entity can hold or move money, they need at least one account. Accounts can receive funds via bank transfer, be debited for payouts, and be assigned account details: the banking coordinates that payers use to send funds.

An entity must have approved status before accounts can be created for them. See Entities for the onboarding flow.

Account types

Type	Description
`checking`	General-purpose account for everyday transactions: receiving payments, sending payouts, and holding balances
`debit`	An account linked to a debit instrument for card-based spending
`operational`	An account used for platform-level operational funds, separate from entity balances
`safeguard`	A segregated account used to safeguard funds in accordance with regulatory requirements

The first account created for an entity automatically becomes their default account.

The account object

{
  "status": "success",
  "message": "Account created successfully",
  "data": {
    "account": {
      "id": "01HXYZ8642ABCDEFGHJKMNPQRS",
      "entity_id": "01HXYZ7024ABCDEFGHJKMNPQRS",
      "type": "checking",
      "currency": "USD",
      "display_name": "Main USD Account",
      "config": {
        "overdraft_limit": 0,
        "balance_next_refresh": 0,
        "is_overdraftable": false,
        "balance_refresh_interval": 15
      },
      "balance": {
        "available": 0,
        "current": 0,
        "overdraft_used": 0
      },
      "stablecoin_assets": {},
      "maintenance_fee_opted_out": false,
      "system_meta": {},
      "created": 1787286465766,
      "updated": 1787286465766,
      "deleted": 0,
      "meta": {},
      "nuvion_ban": "0010759002"
    },
    "entity_impact": {
      "entity_id": "01HXYZ7024ABCDEFGHJKMNPQRS",
      "total_accounts": 62,
      "account_type": [
        "checking"
      ],
      "default_account_set": true
    }
  }
}

See The Account object for the full field-by-field schema.

Account details

Account details are the banking coordinates, such as account numbers, IBANs, or wallet addresses, that payers use to send funds into an account. See Account Details for the full object schema, supported currencies and chains, and how to create them.

Balances

The balance object includes the following fields:

Field	Description
`balance.available`	Funds the entity can use immediately: for payouts, FX, or stablecoin transfers
`balance.current`	Total balance including amounts pending settlement or under compliance review

Always use balance.available when checking whether an entity has sufficient funds for a transaction.

All balance amounts are in the smallest currency unit: cents for USD and EUR, pence for GBP. A balance.available of 10000 is $100.00 USD.

Webhooks

Account activity emits the following events:

Event	Trigger
`accounts.created`	A new account is created for an entity

See Event types for payload schemas.

What’s next

Accept a payment

Receive funds into an account via bank transfer or card.

Send a payout

Send funds from an account to any bank account globally.

Accounts API reference

Full endpoint documentation for creating and managing accounts.

Get Started

Core Concepts

Webhooks

Guides

Account types

The account object

Account details

Balances

Webhooks

What’s next

Accept a payment

Send a payout

Accounts API reference

​Account types

​The account object

​Account details

​Balances

​Webhooks

​What’s next

Accept a payment

Send a payout

Accounts API reference

Account types

The account object

Account details

Balances

Webhooks

What’s next