# Straddle Docs

## Docs

- [Get account settings](https://docs.straddle.com/api-reference/accounts/account-settings.md): Get all resolved settings for the specified account, including inherited values from organization, platform, and system defaults.
- [Create an account](https://docs.straddle.com/api-reference/accounts/create.md): Creates a new account associated with your Straddle platform integration. This endpoint allows you to set up an account with specified details, including business information and access levels.
- [List accounts](https://docs.straddle.com/api-reference/accounts/list.md): Returns a list of accounts associated with your Straddle platform integration. The accounts are returned sorted by creation date, with the most recently created accounts appearing first. This endpoint supports advanced sorting and filtering options.
- [Lookup an account](https://docs.straddle.com/api-reference/accounts/lookup.md): Retrieves the details of an account that has previously been created. Supply the unique account ID that was returned from your previous request, and Straddle will return the corresponding account information.
- [Onboard an account](https://docs.straddle.com/api-reference/accounts/onboard.md): Initiates the onboarding process for a new account. This endpoint can only be used for accounts where at least one representative and one bank account have already been created.
- [Simulate account onboarding in sandbox](https://docs.straddle.com/api-reference/accounts/simulate.md): Simulate the status transitions for sandbox accounts. This endpoint can only be used for sandbox accounts.
- [Update an account](https://docs.straddle.com/api-reference/accounts/update.md): Updates an existing account's information. This endpoint allows you to update various account details during onboarding or after the account has been created.
- [API authentication with bearer tokens](https://docs.straddle.com/api-reference/authentication.md): Authenticate Straddle API requests using JWT bearer tokens. Generate API keys, manage sandbox and production credentials, and follow security best practices.
- [Bridge a bank account](https://docs.straddle.com/api-reference/bridge/bank-account.md): Use Bridge to create a new paykey using a bank routing and account number as the source. This endpoint allows you to create a secure payment token linked to a specific bank account.
- [Bridge a Plaid token](https://docs.straddle.com/api-reference/bridge/plaid-token.md): Use Bridge to create a new paykey using a Plaid token as the source. This endpoint allows you to create a secure payment token linked to a bank account authenticated through Plaid.
- [Bridge a Quiltt token](https://docs.straddle.com/api-reference/bridge/quiltt-token.md): Creates a new paykey using a Quiltt token as the source. This endpoint allows you to create a secure payment token linked to a bank account authenticated through Quiltt.
- [Initiate a widget session](https://docs.straddle.com/api-reference/bridge/session.md): Use this endpoint to generate a session token for use in the Bridge widget.
- [Request a capability](https://docs.straddle.com/api-reference/capabilityrequests/create.md): Submits a request to enable a specific capability for an account. Use this endpoint to request additional features or services for an account.
- [List capability requests](https://docs.straddle.com/api-reference/capabilityrequests/list.md): Retrieves a list of capability requests associated with an account. The requests are returned sorted by creation date, with the most recent requests appearing first. This endpoint supports advanced sorting and filtering options.
- [Cancel a charge](https://docs.straddle.com/api-reference/charges/cancel.md): Cancel a charge to prevent it from being originated for processing. The status of the charge must be `created`, `scheduled`, or `on_hold`.
- [Create a charge](https://docs.straddle.com/api-reference/charges/create.md): Use charges to collect money from a customer for the sale of goods or services.
- [Hold a charge](https://docs.straddle.com/api-reference/charges/hold.md): Place a charge on hold to prevent it from being originated for processing. The status of the charge must be `created` or `scheduled`.
- [Release a charge](https://docs.straddle.com/api-reference/charges/release.md): Release a charge from an `on_hold` status to allow it to be rescheduled for processing.
- [Lookup a charge](https://docs.straddle.com/api-reference/charges/retrieve.md): Retrieves the details of an existing charge. Supply the unique charge `id`, and Straddle will return the corresponding charge information.
- [Update a charge](https://docs.straddle.com/api-reference/charges/update.md): Change the values of parameters associated with a charge prior to processing. The status of the charge must be `created`, `scheduled`, or `on_hold`.
- [Create a customer](https://docs.straddle.com/api-reference/customers/create.md): Creates a new customer record and automatically initiates identity, fraud, and risk assessment scores. This endpoint allows you to create a customer profile and associate it with paykeys and payments.
- [Decision a customer](https://docs.straddle.com/api-reference/customers/decision.md): Updates the status of a customer's identity decision. This endpoint allows you to modify the outcome of a customer risk screening and is useful for correcting or updating the status of a customer's verification. Note that this endpoint is only available for customers with a current status of `review…
- [Delete a customer](https://docs.straddle.com/api-reference/customers/delete.md): Permanently removes a customer record from Straddle. This action cannot be undone and should only be used to satisfy regulatory requirements or for privacy compliance.
- [Lookup a customer](https://docs.straddle.com/api-reference/customers/retrieve.md): Retrieves the details of an existing customer. Supply the unique customer ID that was returned from your 'create customer' request, and Straddle will return the corresponding customer information.
- [Review a customer](https://docs.straddle.com/api-reference/customers/review.md): Retrieves and analyzes the results of a customer's identity validation and fraud score. This endpoint provides a comprehensive breakdown of the validation outcome, including: - Risk and correlation scores - Reason codes for the decision - Results of watchlist screening - Any network alerts detected…
- [List customers](https://docs.straddle.com/api-reference/customers/search.md): Lists or searches customers connected to your account. All supported query parameters are optional. If none are provided, the response will include all customers connected to your account. This endpoint supports advanced sorting and filtering options.
- [Unmask customer data](https://docs.straddle.com/api-reference/customers/unmask.md): Retrieves the unmasked details, including PII, of an existing customer. Supply the unique customer ID that was returned from your 'create customer' request, and Straddle will return the corresponding customer information. This endpoint needs to be enabled by Straddle and should only be used when abs…
- [Update a customer](https://docs.straddle.com/api-reference/customers/update.md): Updates an existing customer's information. This endpoint allows you to modify the customer's contact details, PII, and metadata.
- [Make API calls for embedded accounts](https://docs.straddle.com/api-reference/embedded-accounts.md): Use the Straddle-Account-Id header to make API requests on behalf of your embedded accounts, including charges, payouts, and customer operations.
- [Sandbox and production environments](https://docs.straddle.com/api-reference/environments.md): Compare Straddle's sandbox and production API environments, including base URLs, credentials, testing workflows, and how to safely promote integrations to live.
- [API errors and HTTP status codes](https://docs.straddle.com/api-reference/errors.md): Learn how to interpret HTTP status codes and error responses from the Straddle API, including validation, authentication, and rate limit errors.
- [Lookup funding details](https://docs.straddle.com/api-reference/funding/details.md): Retrieves the details of an existing funding event. Supply the unique funding event `id`, and Straddle will return the individual transaction items that make up the funding event.
- [List funding events](https://docs.straddle.com/api-reference/funding/search.md): Retrieves a list of funding events for your account. This endpoint supports advanced sorting and filtering options.
- [Simulate a funding event in sandbox](https://docs.straddle.com/api-reference/funding/simulate-a-funding-event.md): Simulate a funding event for testing. This endpoint can only be used in the sandbox environment.
- [Idempotency keys for safe API retries](https://docs.straddle.com/api-reference/idempotency.md): Use the Idempotency-Key header to safely retry Straddle API requests without duplicating operations like charges or payouts. Includes best practices.
- [Straddle API introduction](https://docs.straddle.com/api-reference/introduction.md): Get started with the Straddle REST API for ACH and bank payments. Learn the resource model, request and response conventions, and authentication basics.
- [Cancel a linked bank account](https://docs.straddle.com/api-reference/linkedbankaccounts/cancel.md): Cancels an existing linked bank account. This can be used to cancel a linked bank account before it has been reviewed. The linked bank account must be in 'created' status.
- [Create a linked bank account](https://docs.straddle.com/api-reference/linkedbankaccounts/create.md): Creates a new linked bank account associated with a Straddle account. This endpoint allows you to associate external bank accounts with a Straddle account for various payment operations such as payment deposits, payout withdrawals, and more.
- [List linked bank accounts](https://docs.straddle.com/api-reference/linkedbankaccounts/list.md): Returns a list of bank accounts associated with a specific Straddle account. The linked bank accounts are returned sorted by creation date, with the most recently created appearing first. This endpoint supports pagination to handle accounts with multiple linked bank accounts.
- [Lookup a linked bank account](https://docs.straddle.com/api-reference/linkedbankaccounts/lookup.md): Retrieves the details of a linked bank account that has previously been created. Supply the unique linked bank account `id`, and Straddle will return the corresponding information. The response includes masked account details for security purposes.
- [Unmask a linked bank account](https://docs.straddle.com/api-reference/linkedbankaccounts/unmask.md): Retrieves the unmasked details of a linked bank account that has previously been created. Supply the unique linked bank account `id`, and Straddle will return the corresponding information, including sensitive details. This endpoint needs to be enabled by Straddle for your account and should only be…
- [Update a linked bank account](https://docs.straddle.com/api-reference/linkedbankaccounts/update.md): Updates an existing linked bank account's information. This can be used to update account details during onboarding or to update metadata associated with the linked account. The linked bank account must be in 'created' or 'onboarding' status.
- [Attaching metadata to Straddle objects](https://docs.straddle.com/api-reference/metadata.md): Attach custom key-value pairs to Straddle customers, charges, and payouts using the metadata field. Learn formatting rules, limits, and use cases.
- [Create an organization](https://docs.straddle.com/api-reference/organizations/create.md): Creates a new organization related to your Straddle integration. Organizations can be used to group related accounts and manage permissions across multiple users.
- [List organizations](https://docs.straddle.com/api-reference/organizations/list.md): Retrieves a list of organizations associated with your Straddle integration. The organizations are returned sorted by creation date, with the most recently created organizations appearing first. This endpoint supports advanced sorting and filtering options to help you find specific organizations.
- [Cancel a paykey](https://docs.straddle.com/api-reference/paykeys/cancel.md): Change a paykey's status to inactive to prevent any new charges or payouts from being created using it. The action cannot be undone.
- [Accept/Reject a paykey](https://docs.straddle.com/api-reference/paykeys/patch_review.md): Update the status of a paykey when in review status
- [Lookup a paykey](https://docs.straddle.com/api-reference/paykeys/retrieve.md): Retrieves the details of an existing paykey. Supply the unique paykey `id` and Straddle will return the corresponding paykey record , including the `paykey` token value and masked bank account details.
- [Reveal a paykey](https://docs.straddle.com/api-reference/paykeys/reveal.md): Retrieves the details of a paykey that has previously been created. Supply the unique paykey ID that was returned from your previous request, and Straddle will return the corresponding paykey information including the unmasked token.
- [Review a paykey](https://docs.straddle.com/api-reference/paykeys/review.md): Get additional details about a paykey.
- [Search paykeys](https://docs.straddle.com/api-reference/paykeys/search.md): Returns a list of paykeys associated with a Straddle account. This endpoint supports advanced sorting and filtering options.
- [Unblock a paykey](https://docs.straddle.com/api-reference/paykeys/unblock.md): Unblocks a paykey that was previously blocked due to an R29 return code. Only paykeys blocked with R29 returns that have not been previously unblocked are eligible.
- [Unmask paykey data](https://docs.straddle.com/api-reference/paykeys/unmask.md): Retrieves the unmasked details of an existing paykey. Supply the unique paykey `id` and Straddle will return the corresponding paykey record, including the unmasked bank account details. This endpoint needs to be enabled by Straddle for your account and should only be used when absolutely necessary.
- [Search for all payments](https://docs.straddle.com/api-reference/payments/search.md): Search for payments, including `charges` and `payouts`, using a variety of criteria. This endpoint supports advanced sorting and filtering options.
- [Cancel a payout](https://docs.straddle.com/api-reference/payouts/cancel.md): Cancel a payout to prevent it from being processed. The status of the payout must be `created`, `scheduled`, or `on_hold`.
- [Create a payout](https://docs.straddle.com/api-reference/payouts/create.md): Use payouts to send money to your customers.
- [Hold a payout](https://docs.straddle.com/api-reference/payouts/hold.md): Hold a payout to prevent it from being processed. The status of the payout must be `created`, `scheduled`, or `on_hold`.
- [Release a payout](https://docs.straddle.com/api-reference/payouts/release.md): Release a payout from a `hold` status to allow it to be rescheduled for processing.
- [Lookup a payout](https://docs.straddle.com/api-reference/payouts/retrieve.md): Retrieves the details of an existing payout. Supply the unique payout `id` to retrieve the corresponding payout information.
- [Update a payout](https://docs.straddle.com/api-reference/payouts/update.md): Update the details of a payout prior to processing. The status of the payout must be `created`, `scheduled`, or `on_hold`.
- [Create a representative](https://docs.straddle.com/api-reference/representatives/create.md): Creates a new representative associated with an account. Representatives are individuals who have legal authority or significant responsibility within the business.
- [List representatives](https://docs.straddle.com/api-reference/representatives/list.md): Returns a list of representatives associated with a specific account or organization. The representatives are returned sorted by creation date, with the most recently created representatives appearing first. This endpoint supports advanced sorting and filtering options.
- [Lookup a representative](https://docs.straddle.com/api-reference/representatives/lookup.md): Retrieves the details of an existing representative. Supply the unique representative ID, and Straddle will return the corresponding representative information.
- [Unmask representative data](https://docs.straddle.com/api-reference/representatives/unmask.md): Retrieves the unmasked details of a representative that has previously been created. Supply the unique representative ID, and Straddle will return the corresponding representative information, including sensitive details. This endpoint requires additional authentication and should be used with cauti…
- [Update a representative](https://docs.straddle.com/api-reference/representatives/update.md): Updates an existing representative's information. This can be used to update personal details, contact information, or the relationship to the account or organization.
- [Tracing API requests with Request-Id](https://docs.straddle.com/api-reference/request-id.md): Use Request-Id and Correlation-Id headers to trace, debug, and correlate Straddle API requests across services for faster troubleshooting and support.
- [Straddle API response format](https://docs.straddle.com/api-reference/response-structure.md): Understand the JSON envelope for Straddle API responses, including the data, meta, and error fields, plus pagination metadata for list endpoints.
- [Node.js SDK for Straddle](https://docs.straddle.com/api-reference/sdk/node.md): Install and configure the official Straddle Node.js SDK. Authenticate, make API calls, handle errors, and integrate ACH payments in JavaScript or TypeScript.
- [Python SDK for Straddle](https://docs.straddle.com/api-reference/sdk/python.md): Install and configure the official Straddle Python SDK. Authenticate, make API calls, handle errors, and integrate ACH payments into your Python application.
- [Ruby SDK for Straddle](https://docs.straddle.com/api-reference/sdk/ruby.md): Install and configure the official Straddle Ruby SDK. Authenticate, make API calls, handle errors, and integrate ACH payments into your Ruby application.
- [2024 changelog and product updates](https://docs.straddle.com/changelog/updates/2024.md): Product updates, new features, and platform announcements for the Straddle ACH payments and identity verification platform throughout 2024.
- [2025 changelog and product updates](https://docs.straddle.com/changelog/updates/2025.md): Product updates, new features, and platform announcements for the Straddle ACH payments and identity verification platform throughout 2025.
- [2026 changelog and product updates](https://docs.straddle.com/changelog/updates/2026.md): Product updates, new features, and platform announcements for the Straddle ACH payments and identity verification platform throughout 2026.
- [Create paykeys from raw bank account details](https://docs.straddle.com/guides/bridge/bank-account.md): Use the Straddle Bridge API to create paykeys directly from raw routing and account numbers without an open banking provider, with built-in verification.
- [Bridge API overview](https://docs.straddle.com/guides/bridge/overview.md): Use the Straddle Bridge open-banking platform to securely connect customer identities to bank accounts and generate paykeys for initiating ACH payments.
- [Paykeys: secure tokens for bank payments](https://docs.straddle.com/guides/bridge/paykeys.md): Paykeys are reusable tokens linking verified customer identities to bank accounts to enable secure ACH charges, payouts, and recurring bank payments.
- [Create paykeys from Plaid processor tokens](https://docs.straddle.com/guides/bridge/plaid-token.md): Exchange Plaid processor tokens for Straddle paykeys to enable verified ACH charges and payouts for customers connected through Plaid Link.
- [Create paykeys from Quiltt tokens](https://docs.straddle.com/guides/bridge/quiltt-token.md): Exchange Quiltt processor tokens for Straddle paykeys to enable verified ACH charges and payouts for customers connected through the Quiltt platform.
- [Bridge widget for connecting bank accounts](https://docs.straddle.com/guides/bridge/widget.md): Embed the Straddle Bridge widget in your app for a drop-in UI that securely connects customer bank accounts and returns paykeys for ACH payments.
- [Core concepts of the Straddle platform](https://docs.straddle.com/guides/coreconcepts.md): An overview of how Straddle is structured, including customers, paykeys, charges, payouts, and how they fit together for ACH and bank payments.
- [Manage embedded platform accounts](https://docs.straddle.com/guides/embed/accounts.md): Create, update, and manage embedded business accounts for your platform users in Straddle, including verification status, capabilities, and settings.
- [Platform API Interactions](https://docs.straddle.com/guides/embed/api-headers.md): Use the Straddle-Account-Id header to make platform API calls for Marketplace or SaaS integrations. Learn when to scope requests to embedded accounts.
- [Request and manage account capabilities](https://docs.straddle.com/guides/embed/capabilities.md): Submit and track capability requests to enable specific features, processing limits, and payment types for your embedded Straddle accounts.
- [Hosted onboarding for embedded accounts](https://docs.straddle.com/guides/embed/hosted-onboarding.md): Add Straddle's hosted onboarding flow to your platform to verify business accounts, collect representatives, and link bank accounts with no UI to build.
- [Manage linked bank accounts for users](https://docs.straddle.com/guides/embed/linked-bank-accounts.md): Connect, verify, and manage external bank accounts for your platform users to enable settlements, payouts, and funding deposits through Straddle.
- [Onboard merchants with Straddle Embed](https://docs.straddle.com/guides/embed/onboarding.md): Build a custom merchant onboarding flow with Straddle Embed APIs, including KYB verification, representative collection, and bank account linking.
- [Organizations: group multiple accounts](https://docs.straddle.com/guides/embed/organizations.md): Use organizations to group related Straddle accounts under a single umbrella for businesses with multiple departments, brands, or legal entities.
- [Straddle Embed for platforms overview](https://docs.straddle.com/guides/embed/overview.md): An overview of Straddle Embed for marketplaces and SaaS platforms, including embedded accounts, onboarding, capabilities, and bank-payment infrastructure.
- [Straddle Embed React component](https://docs.straddle.com/guides/embed/react-onboarding.md): Integrate and customize the Straddle Embed onboarding form in your React application, including theming, callbacks, and merchant verification flows.
- [Manage account representatives](https://docs.straddle.com/guides/embed/representatives.md): Add and verify business representatives, beneficial owners, and authorized signers for KYB compliance on your embedded Straddle accounts.
- [Straddle platform glossary](https://docs.straddle.com/guides/glossary.md): Definitions of key terms and concepts used across Straddle, including ACH, paykeys, customers, charges, payouts, funding events, and identity verification.
- [Business identity verification (KYB)](https://docs.straddle.com/guides/identity/business_identity.md): Verify business entities with Straddle's KYB checks, including beneficial owner identification, EIN validation, and ongoing risk monitoring for ACH payments.
- [Verifying customers and KYC](https://docs.straddle.com/guides/identity/customers.md): Manage end users who send or receive payments through your Straddle integration, including identity verification, risk decisions, and reasons for review.
- [Risk models and scoring](https://docs.straddle.com/guides/identity/models.md): Understand Straddle's identity and fraud risk assessment system, including decision logic, risk scores, correlation scores, and how scores affect approvals.
- [Identity verification overview](https://docs.straddle.com/guides/identity/overview.md): An overview of Straddle's identity verification platform, including KYC and KYB checks, fraud scoring, watchlists, and reputation data for ACH payments.
- [Identity verification reason codes](https://docs.straddle.com/guides/identity/reasons.md): Reference for the reason codes returned by Straddle's identity verification process, including what each code means and how to handle reviews and rejections.
- [Consumer reputation and friendly fraud](https://docs.straddle.com/guides/identity/reputation.md): Identify and stop friendly fraud, chargebacks, and ACH returns with consumer reputation and identity data powered by Straddle's consortium network.
- [Sanctions watchlist screening](https://docs.straddle.com/guides/identity/watchlists.md): Screen customers against OFAC, sanctions, and global watchlists during identity verification to prevent money laundering and stay AML compliant.
- [Welcome to Straddle](https://docs.straddle.com/guides/overview.md): Get started with Straddle's APIs for ACH and bank payments, identity verification, and embedded platforms. Find guides, references, and integration tools.
- [Pay by Bank: account-to-account payments](https://docs.straddle.com/guides/paybybank.md): Introduction to Straddle's unified Pay by Bank API for ACH and account-to-account payments, including verification, paykeys, and multi-rail processing.
- [Charges: collect ACH bank payments](https://docs.straddle.com/guides/payments/charges.md): Use Straddle charges to collect ACH payments from customer bank accounts, with built-in balance checks, fraud screening, and configurable processing rails.
- [Funding events and reconciliation](https://docs.straddle.com/guides/payments/funding.md): Understand how Straddle ACH payments settle, how funding events are generated, and how to reconcile charges, payouts, and fees with your accounting system.
- [Payments overview](https://docs.straddle.com/guides/payments/overview.md): Learn how charges, payouts, and funding events work together in Straddle to power ACH bank payments, settlements, and reconciliation for your platform.
- [Payouts: send funds to bank accounts](https://docs.straddle.com/guides/payments/payouts.md): Use Straddle payouts to send ACH disbursements, refunds, and marketplace settlements to customer bank accounts with multi-rail processing and tracking.
- [Reporting and exporting payment data](https://docs.straddle.com/guides/payments/reports.md): Search, filter, and export Straddle payment data using the API and dashboard for reporting, reconciliation, and accounting workflows in your platform.
- [Payment status and lifecycle reference](https://docs.straddle.com/guides/payments/statuses.md): Reference for Straddle ACH payment status flows, transitions, status reasons, and return codes for charges, payouts, and funding events.
- [Quickstart guide for the Straddle API](https://docs.straddle.com/guides/quickstart.md): Build your first open banking and ACH payment experience with Straddle in minutes. Create a customer, link a bank account, and run your first charge.
- [Securely share data with Straddle](https://docs.straddle.com/guides/resources/datashare.md): Upload encrypted customer or transaction data for proofs of concept and portfolio scrubs using Straddle SFTP and PGP encryption procedures.
- [Sandbox simulation testing for Pay by Bank](https://docs.straddle.com/guides/resources/sandbox-paybybank.md): Test charge, payout, and return scenarios with deterministic outcomes in the Straddle Pay by Bank sandbox using simulation amounts and test paykeys.
- [Platform sandbox quickstart](https://docs.straddle.com/guides/resources/sandbox-platform.md): Quickly create and onboard test embedded accounts in the Straddle sandbox to validate your platform integration before going live with production accounts.
- [Synthetic identity fraud explained](https://docs.straddle.com/guides/resources/synthetic-identity.md): Learn what synthetic identity fraud is, how it impacts ACH and bank payments, and how Straddle's identity verification platform detects and prevents it.
- [WALDO: Identity Matching](https://docs.straddle.com/guides/resources/waldo.md): WALDO is Straddle's proprietary identity matching algorithm that verifies a customer's identity matches the ownership details of their linked bank account.
- [ACH payments basics](https://docs.straddle.com/help/ACH101/ach-basics.md): Learn how the Automated Clearing House (ACH) Network works, including key participants like ODFIs and RDFIs, and how electronic payments are settled.
- [What is an ACH credit?](https://docs.straddle.com/help/ACH101/ach-credit.md): A complete guide to ACH credit transactions: what they are, how funds move from sender to receiver, common use cases, and how they differ from ACH debits.
- [What is an ACH debit?](https://docs.straddle.com/help/ACH101/ach-debit.md): A thorough guide to how ACH debit transactions work, what they are used for, and how they differ from other types of debit transactions
- [ACH vs Wire Transfers: What's the difference?](https://docs.straddle.com/help/ACH101/ach-wire.md): Compare ACH transfers and wire transfers across speed, cost, settlement timing, and reversibility to choose the right rail for your business payments.
- [Same Day ACH vs Standard ACH & Cut-off times](https://docs.straddle.com/help/ACH101/same-day-vs-standard-ach.md): Compare same-day ACH and standard ACH processing windows, daily cut-off times, settlement schedules, and use cases for choosing the right option.
- [What is Nacha and is your business compliant?](https://docs.straddle.com/help/ACH101/what-is-nacha.md): Learn what Nacha is, the rules it enforces for the ACH network, and the steps your business should take to stay compliant when accepting ACH payments.
- [Why businesses choose ACH payments](https://docs.straddle.com/help/ACH101/why-ach.md): Learn how ACH payments provide a cost-effective solution for various business use cases and why companies are increasingly adopting this payment method
- [Bank Account Verification Requirements](https://docs.straddle.com/help/Payment-Compliance/account-validation.md): Understand Nacha's WEB debit account validation rules and compliance requirements for businesses accepting internet-initiated ACH payments from consumers.
- [ACH payment authorization guide](https://docs.straddle.com/help/Payment-Compliance/ach-auth.md): A comprehensive guide to obtaining proper ACH payment authorization from customers to avoid chargebacks, disputes, and Nacha compliance issues.
- [Understanding consent methods: Internet vs. Signed](https://docs.straddle.com/help/Payment-Compliance/consent-types.md): Compare internet (WEB) and signed (PPD) consent methods for ACH payments to choose the authorization type that fits your customer flow and Nacha rules.
- [Cannabis Related Business Due Diligence](https://docs.straddle.com/help/Payment-Compliance/crb-dd.md): Requirements and enhanced due diligence (EDD) procedures for onboarding cannabis-related businesses (CRBs) on the Straddle ACH payments platform.
- [ACH data security and Nacha audits](https://docs.straddle.com/help/Payment-Compliance/data-security.md): Meet Nacha's data security rules and annual ACH audit requirements with practical guidance on encryption, access controls, and ongoing compliance.
- [ACH SEC codes reference](https://docs.straddle.com/help/Payment-Compliance/sec-codes.md): Reference for ACH Standard Entry Class (SEC) codes, including WEB, PPD, CCD, and TEL, with use cases and Nacha authorization requirements for each code.
- [Standing authorizations for recurring ACH](https://docs.straddle.com/help/Payment-Compliance/standing-auth.md): Understand Nacha's standards for standing authorizations, the advance consent consumers give for future ACH debits at varying amounts and intervals.
- [Accounts with Benefits: FBO](https://docs.straddle.com/help/Reference-Materials/fbo-accounts.md): Understand For Benefit Of (FBO) accounts and how early-stage money service businesses use them to hold customer funds without a money transmitter license.
- [Glossary of ACH and Straddle terms](https://docs.straddle.com/help/Reference-Materials/glossary.md): A comprehensive reference of ACH, payments, identity, and Straddle platform terminology to help you understand documentation and integration concepts.
- [MSB: A fintech guide](https://docs.straddle.com/help/Reference-Materials/money-service.md): A fintech guide to Money Service Business (MSB) requirements, including money transmitter licenses, FinCEN registration, and ongoing compliance obligations.
- [Check the status of your production request](https://docs.straddle.com/help/Reference-Materials/production.md): Check the status of your Straddle production access request, application review, or full account approval and find next steps with the onboarding team.
- [Beneficial Ownership Requirements](https://docs.straddle.com/help/Reference-Materials/representatives.md): Legal requirements for identifying beneficial owners and control persons of business accounts under the FinCEN Customer Due Diligence (CDD) rule.
- [ACH return codes and Nacha thresholds](https://docs.straddle.com/help/nacha-rules/ach-return.md): Understand ACH returns, including unauthorized and administrative return codes, Nacha compliance thresholds, and how to monitor and reduce return rates.
- [ACH Rules & Regulations](https://docs.straddle.com/help/nacha-rules/ach-rules.md): A comprehensive guide to Nacha rules and regulations governing ACH entry transmission, settlement, and obligations of originators and financial institutions.
- [Nacha ACH Appendix](https://docs.straddle.com/help/nacha-rules/nacha-appendix.md): A complete reference for the ACH file format, batch header and entry detail records, and terminology drawn from Nacha's Quick Reference rule guides.
- [Plaid integration for ACH payments](https://docs.straddle.com/integrations/open-banking/plaid.md): Connect your existing Plaid integration to Straddle to convert Plaid Link bank connections into paykeys for ACH charges, payouts, and verification.
- [Quiltt integration for ACH payments](https://docs.straddle.com/integrations/open-banking/quiltt.md): Connect your existing Quiltt integration to Straddle to convert Quiltt bank connections into paykeys for ACH charges, payouts, and account verification.
- [Integrations overview](https://docs.straddle.com/integrations/overview.md): Connect your stack with Straddle. Browse available integrations for open banking providers, automation tools, and developer platforms like Plaid and Zapier.
- [Zapier integration for Straddle webhooks](https://docs.straddle.com/integrations/webhooks/zapier.md): Receive Straddle webhook events in Zapier to automate workflows, trigger notifications, and connect ACH payment activity to thousands of other apps.
- [Webhooks 101](https://docs.straddle.com/webhooks/overview/101.md): Learn the basics of deploying webhook endpoints, ingesting Straddle event payloads, and verifying signatures so your platform reacts to ACH events reliably.
- [Configure webhook endpoints](https://docs.straddle.com/webhooks/overview/endpoints.md): Configure webhook endpoints in the Straddle dashboard, subscribe to event types, and test deliveries to start receiving real-time ACH payment notifications.
- [Webhook event catalog](https://docs.straddle.com/webhooks/overview/events.md): A comprehensive catalog of webhook events available on the Straddle platform, including charge, payout, customer, and account lifecycle event payloads.
- [Filter webhook delivery logs](https://docs.straddle.com/webhooks/overview/filtering.md): Locate and filter webhook delivery logs in the Straddle dashboard to debug specific messages, find failed events, and inspect individual delivery payloads.
- [Polling Endpoints](https://docs.straddle.com/webhooks/overview/polling.md): Use the Straddle event polling endpoints to fetch a stream of recent ACH payment events on demand, without setting up a public webhook endpoint.
- [Webhook replays and retries](https://docs.straddle.com/webhooks/overview/replays.md): Learn how Straddle retries failed webhook deliveries, replays past events from the dashboard, and recovers when your endpoint returns errors or is offline.
- [Trusted IP allowlist for webhooks](https://docs.straddle.com/webhooks/security/ip-list.md): Use Straddle's published IP allowlist to restrict inbound webhook traffic to your endpoints, ensuring secure communication for ACH event notifications.
- [Manual webhook signature verification](https://docs.straddle.com/webhooks/security/manual.md): Manually verify Straddle webhook signatures without an SDK, including the HMAC computation, header parsing, and timestamp checks for replay protection.
- [Verify webhook signatures with SDKs](https://docs.straddle.com/webhooks/security/sdks.md): Securely verify Straddle webhook signatures and payloads using Svix SDKs in Node.js, Python, Ruby, Go, and other languages with code examples.
- [Why you should verify webhooks](https://docs.straddle.com/webhooks/security/why-verify.md): Understand why verifying Straddle webhook signatures is critical for security, preventing spoofed events, and protecting your platform from fraudulent payloads.

## OpenAPI Specs

- [openapi.documented](https://app.stainless.com/api/spec/documented/straddle/openapi.documented.yml)
- [openapi](https://docs.straddle.com/api-reference/openapi.json)
- [testspec](https://docs.straddle.com/testspec.yaml)

## Optional

- [API Playground](https://straddle.dev)
- [Community](https://strddl.co/mmunity)