> ## Documentation Index
> Fetch the complete documentation index at: https://docs.straddle.com/llms.txt
> Use this file to discover all available pages before exploring further.

# 2025 changelog and product updates

> Product updates, new features, and platform announcements for the Straddle ACH payments and identity verification platform throughout 2025.

# We build for you.

<Update label="November 20, 2025" description="New Paykey Review Status & Workflow">
  <Icon icon="check" iconType="solid" /> **You'll See Fewer Paykey Rejections**

  You can now manually review certain Paykeys that would normally auto-reject. These paykeys are created with a `review` status, allowing you to `accept` or `reject` them either in the dashboard or programmatically via our API.

  <img src="https://mintcdn.com/straddle/qPPDvRD2mQnv82pr/images/Screenshot2025-11-05at11.28.16AM.png?fit=max&auto=format&n=qPPDvRD2mQnv82pr&q=85&s=e0430905e71923a02303cc4b45a6f438" alt="Screenshot2025 11 05at11 28 16AM Pn" width="1076" height="714" data-path="images/Screenshot2025-11-05at11.28.16AM.png" />

  <Icon icon="magnifying-glass" iconType="solid" /> **Get the Full Picture on Every Verification**

  Retrieve comprehensive verification data to understand the "why" behind every paykey status and streamline your approval workflow.

  ```json theme={null}
  "verificationDetails": {
    "id": "456e7890-e89b-12d3-a456-426614174001",
    "decision": "review",
    "messages": {
      "NM01": "Account Holder is not a match for Customer."
    },
    "codes": ["NM01"],
    "breakdown": {
      "nameMatch": {
        "decision": "review",
        "reason": "Account Holder is not a match for Customer.",
        "matchedName": "John Smith",
        "correlationScore": 0.21,
        "namesOnAccount": ["John Smith", "Jane Smith"]
      }
  ```

  <Icon icon="dollar-sign" iconType="solid" /> **Account Balance Updates**

  For accounts linked using an open banking token or Bridge, you can now receive balance updates when the following events occur:

  * When a new Paykey is created
  * When the new refresh endpoint is explicitly called, at most once per hour
  * When a charge or payout is created, if the balance was last updated more than one hour ago

  You will receive the balance update within [Paykey webhook events](https://straddle.dev/api-reference#webhook/post/paykeyeventv1).

  <Icon icon="rotate-right" iconType="solid" /> **Trigger Re-Verification**

  You are able to set the paykey's status back to pending triggering automated re-verification.

  <Icon icon="shovel" iconType="solid" /> **Sandbox Outcome for Paykey Review Status**

  To test the new review status, set the sandbox outcome to "review" when creating a Paykey.

  Check out this guide to learn more: [Paykey Guide](https://docs.straddle.io/guides/bridge/paykeys)
</Update>

<Update label="September 3, 2025" description="Custom Metadata, Idempotent Requests, and Dark Mode">
  ## Idempotent requests and custom metadata

  * You can now add custom `metadata` when creating or updating representatives. This `metadata` will be included in the response when retrieving `representative` details via a GET request.
  * To prevent duplicate requests, we've introduced idempotent requests. Include a unique `Idempotency-Key` header in your HTTP requests to utilize this feature.
  * We've added dark mode to the onboarding form. It'll automatically match whatever theme you're using on your device.

  ## Ruby SDK and overall updates

  * We've released a new version of our existing Node and Python SDKs.
  * We've added a new Ruby SDK for Straddle, check it out here: [Ruby SDK](/api-reference/sdk/ruby).
</Update>

<Update label="June 22, 2025" description="Sandbox Simulations">
  ## Sandbox Simulations

  * We've improved the ability to simulate various scenarios in the sandbox environment when integrating with Straddle. Follow this guide to learn more about it [Sandbox Simulations](/guides/resources/sandbox-paybybank).
</Update>

<Update label="June 10, 2025" description="Quiltt Integration">
  ## Quiltt Integration

  * We've built a new integration to our Open Banking stack with our partner [Quiltt](https://www.quiltt.io/). This allows you to bring your existing Open Banking connections from **Quiltt Connector** to integrate with Straddle using the [Straddle Bridge API](/guides/bridge/quiltt-token).
</Update>

<Update label="May 21, 2025" description="Zapier Integration">
  ## Zapier Integration

  * You can now integrate Straddle with Zapier to trigger automated workflows when events occur in Straddle. Check out the new docs for [Zapier integration](/integrations/webhooks/zapier).
</Update>

<Update label="May 15, 2025" description="Reputation Launch">
  ## Straddle Reputation

  We're excited to introduce Straddle Reputation, a powerful new fraud prevention system that leverages consortium data to identify repeat bad actors and stop friendly fraud before it happens.

  <Frame>
    <img src="https://mintcdn.com/straddle/FP2o-XBPEWWJYx3V/images/identity.svg?fit=max&auto=format&n=FP2o-XBPEWWJYx3V&q=85&s=e4e01ee9ffb70cae10497b48a7b017a9" alt="Identity Sv" width="1479" height="1067" data-path="images/identity.svg" />
  </Frame>

  ### What's New

  <Icon icon="shield-halved" iconType="solid" /> **Data-driven Fraud Detection**

  Access risk signals derived from a vast network of financial institutions, fintechs, neobanks, lenders, gaming platforms, and telcos across the US.

  <Icon icon="user-xmark" iconType="solid" /> **Friendly Fraudster Identification**

  Identify consumers with histories of fraudulent activities across multiple institutions before they can harm your business.

  <Icon icon="gauge-high" iconType="solid" /> **Reputation Risk Score**

  Receive a numerical risk score specifically designed to identify repeat bad actors, enabling more informed decisioning.

  <Icon icon="magnifying-glass-chart" iconType="solid" /> **Historical Insights**

  Access detailed transaction history metrics including ACH fraud, card disputes, account closures, and more to understand the full context of risk signals.

  <Icon icon="code" iconType="solid" /> **Reputation Codes**

  Interpret risk with specific reason codes that explain exactly which risk factors were identified for a consumer identity.

  <Icon icon="chart-line" iconType="solid" /> **Built Into Customer Profiles**

  Reputation data is automatically integrated into every customer profile, providing seamless access to risk intelligence throughout your payment flows.

  <Icon icon="book" iconType="regular" /> **New Documentation**

  [**How Straddle Reputation helps fights friendly fraud**](https://docs.straddle.com/guides/identity/reputation)
</Update>

<Update label="April 24, 2025" description="Marketplace Functionality">
  ## Marketplace Platforms

  We've evolved Straddle Embed to support two distinct platform types with different customer relationship models.

  ### What's New

  <Icon icon="store" iconType="solid" /> [**Marketplace
  Platforms**](https://docs.straddle.com/guides/embed/overview#marketplace-platform-model)

  A new model enabling platform-level [customers](https://docs.straddle.com/guides/identity/customers) who can transact
  with multiple accounts (sellers).

  <Icon icon="laptop" iconType="solid" /> [**SaaS
  Platform**](https://docs.straddle.com/guides/embed/overview#saas-platform-model)

  Maintains the existing 1:1 customer-to-account relationship for vertical SaaS providers whose end users interact with individual businesses.

  <Icon icon="users" iconType="solid" /> **Platform-Level Customers**

  Marketplace platforms can now create customers at the platform level with centralized profiles, allowing seamless transactions across multiple sellers.

  <Icon icon="book" iconType="regular" /> **New Documentation**

  Learn more about both models in our [Straddle Embed: Platform
  Guide](https://docs.straddle.com/guides/embed/overview).
</Update>

<Update label="April 18, 2025" description="Payment Reporting API">
  ## Payment Reporting API

  We've launched a powerful new reporting endpoint that makes it easier to search, filter, and analyze your payment data.

  ### What's New

  <Icon icon="magnifying-glass-dollar" iconType="solid" /> **Unified Payment Search**

  Search across both charges and payouts with a single API endpoint, simplifying how you access and analyze your payment data.

  <Icon icon="filter" iconType="solid" /> **Advanced Filtering**

  Filter payments by type, status, amount ranges, date ranges, customer IDs, and more to find exactly the transactions you need.

  <Icon icon="arrow-up-z-a" iconType="solid" /> **Flexible Sorting**

  Sort results by created date, payment date, effective date, amount, or ID in ascending or descending order.

  <Icon icon="file-export" iconType="solid" /> **Pagination Support**

  Control result set size with customizable page size and pagination to efficiently process large datasets.

  <Icon icon="text" iconType="solid" /> **Full-Text Search**

  Find payments using free-text search across relevant payment fields for quick information retrieval.

  <Icon icon="book" iconType="regular" /> **New Documentation**

  Check out the new reporting endpoint in our [API Reference](https://docs.straddle.com/api-reference/payments/search).
</Update>

<Update label="April 11, 2025" description="Logs, logs, logs">
  ## API Logs

  Introducing detailed and searchable API logs within the Straddle Dashboard to help you monitor and troubleshoot your integration.

  <Frame>
    <img src="https://mintcdn.com/straddle/yfacwvdaNnY4Xjbu/images/apilogs.webp?fit=max&auto=format&n=yfacwvdaNnY4Xjbu&q=85&s=74af9cbc367f823bedeeda66d2fe8175" alt="Apilogs Web" className="mx-auto" width="1568" height="742" data-path="images/apilogs.webp" />
  </Frame>

  ### What's New

  <Icon icon="magnifying-glass" iconType="solid" /> **Advanced Search and Filtering**

  Find the exact requests you need with powerful filtering by method, status code, timestamp, and duration.

  <Icon icon="bug" iconType="solid" /> **Faster Troubleshooting**

  Identify and resolve integration issues more efficiently with complete request/response data and status codes available in real time.

  <Icon icon="gauge-high" iconType="solid" /> **Improved Observability**

  Quickly identify bottlenecks or errors across your payment flows with comprehensive performance metrics and response times.

  <Icon icon="clock-rotate-left" iconType="solid" /> **Historical Data Access**

  Access up to 30 days of historical API logs to track down intermittent issues or analyze usage patterns over time.
</Update>

<Update label="April 2, 2025" description="New Straddle Dashboard">
  ## Dashboard V2

  We've completely rebuilt the [Straddle dashboard](https://dashboard.straddle.com) from the ground up, focusing on developer
  experience, workflow efficiency, and powerful insights to help your team move faster.

  <Frame>
    <img className="block" src="https://framerusercontent.com/images/Vbr6s4lGW4fDOuIsoqMmidlEUY.png" />
  </Frame>

  ### What's New

  <Icon icon="brain" iconType="regular" /> **Work smarter, not harder**

  Navigate with confidence through our intuitive layout designed for developer productivity. Access critical information with fewer clicks.

  <Icon icon="chart-line" iconType="regular" /> **Business metrics**

  Transform complex data into actionable insights with our improved interactive charts, real-time metrics, and comprehensive reporting tools. Spot trends faster and make data-driven decisions with confidence.

  <Icon icon="bolt" iconType="solid" /> **Built for speed**

  Experience lightning-fast response times with our rebuilt architecture. Page loads are up to 70% faster, API responses are optimized, and resource utilization is significantly reduced.
</Update>

<Update label="March 21, 2025" description="Business Identity Verification">
  ## Business Identity and Chargeback Protection

  We've expanded our identity verification capabilities with a comprehensive solution specifically for business customers.

  <Frame>
    <img src="https://mintcdn.com/straddle/FP2o-XBPEWWJYx3V/images/biz.svg?fit=max&auto=format&n=FP2o-XBPEWWJYx3V&q=85&s=775f6f18d45918ddd2836583eac8f6ff" alt="Biz Sv" width="1260" height="980" data-path="images/biz.svg" />
  </Frame>

  ### What's New

  <Icon icon="building" iconType="solid" /> **Business Verification Engine**

  Verify business customers with advanced checks for EIN, legal business name, business address, and people associated with the business.

  <Icon icon="code" iconType="solid" /> **Business Identity Codes**

  New "BI" prefixed verification codes provide detailed insights into verification results across multiple categories including tax ID verification, address verification, entity type, and business standing.

  <Icon icon="shield-check" iconType="solid" /> **Chargeback Protection**

  Businesses using Business Identity verification now receive chargeback protection after 48 hours for verified business customers.

  <Icon icon="gauge-high" iconType="solid" /> **Risk Scoring**

  Numerical risk scores from 0 to 1 help assess business verification status for more intelligent decision-making.

  <Icon icon="book" iconType="regular" /> **New Documentation**

  Learn more about integrating and interpreting Business Identity in our [Business Identity
  guide](/guides/identity/business_identity).
</Update>

<Update label="March 7, 2025" description="Python & Node.js SDKs">
  ## SDKs

  * **Python SDK:** Launched the [Straddle Python SDK](/api-reference/sdk/python) with type definitions and sync/async clients.
  * **Node.js SDK:** Launched the [Straddle Node.js SDK](/api-reference/sdk/node) with TypeScript support for Node.js, Deno, and Bun.
</Update>

<Update label="February 21, 2025" description="Webhook Improvements">
  ## Webhooks

  * **Polling Endpoints:** Added the ability to get a stream of events by [polling webhook
    endpoints](/webhooks/overview/polling), useful for local testing or batch processing.
  * **Storage Integrations:** Send Straddle webhook data directly to AWS S3, Azure Blob Storage, or Google Cloud Storage.
</Update>

<Update label="February 14, 2025" description="Developer Tools">
  ## Developer Tools

  * **Interactive Playground:** Launched a new interactive developer playground at [straddle.dev](https://straddle.dev).
  * **Postman Collection:** Published an official Postman collection at [https://www.postman.com/strddl](https://www.postman.com/strddl).
</Update>

<Update label="January 31, 2025" description="New Marketing Site">
  ## Website

  * **New Marketing Site:** Launched a revamped marketing site at [straddle.com](https://straddle.com) with clearer
    product explanations.
</Update>

<Update label="January 17, 2025" description="API Status Page">
  ## Platform

  * **API Status Page:** Launched a dedicated API status page at [status.straddle.com](https://status.straddle.com) with
    support for email/webhook subscriptions.
</Update>