# Straddle Docs

## Docs

- [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 and contact information.
- [List accounts](https://docs.straddle.com/api-reference/accounts/list.md): Returns a list of accounts associated with your Straddle platform. 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): Retrieve an existing account by its 'id'
- [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 linked bank account have already been created.
- [Simulate account onboarding in sandbox](https://docs.straddle.com/api-reference/accounts/simulate.md): Simulate onboarding status events transitions when testing in sandbox. This endpoint can only be used for sandbox accounts.
- [Update an account](https://docs.straddle.com/api-reference/accounts/update.md): This endpoint allows you to update various account details during onboarding or after the account has been created.
- [Authentication](https://docs.straddle.com/api-reference/authentication.md): Learn how to authenticate your requests to the Straddle API
- [Bridge a bank account](https://docs.straddle.com/api-reference/bridge/bank-account.md): Use this endpoint to use the Bridge API with a 'raw' bank account.
- [Bridge a Plaid token](https://docs.straddle.com/api-reference/bridge/plaid-token.md): Use this endpoint to use the Bridge API with a Plaid token.
- [Bridge a Quiltt token](https://docs.straddle.com/api-reference/bridge/quiltt-token.md): Use this endpoint to use the Bridge API with a Quiltt token.
- [Initiate a widget session](https://docs.straddle.com/api-reference/bridge/session.md): Use this endpoint to generate a session token for 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 processed.<br/><br/> Only charges in a `created` or `hold` status can be canceled.
- [Create a charge](https://docs.straddle.com/api-reference/charges/create.md): Create charges to collect payments from your customers for the goods or services you provide.
- [Hold a charge](https://docs.straddle.com/api-reference/charges/hold.md): Place a charge on hold to prevent it from being processed. <br/><br/>Only charges in `created` status can be placed on hold.
- [Release a charge](https://docs.straddle.com/api-reference/charges/release.md): Release a charge from hold to allow it to be processed.<br/><br/>Only charges in `hold` status can be released.
- [Lookup a charge](https://docs.straddle.com/api-reference/charges/retrieve.md): Use this endpoint to retrieve a charge by its unique `id`.
- [Update a charge](https://docs.straddle.com/api-reference/charges/update.md): Update a charge to change the amount, date, or other details.
- [Create a customer](https://docs.straddle.com/api-reference/customers/create.md): Use this endpoint to verify and onboard a new customer.
- [Decision a customer](https://docs.straddle.com/api-reference/customers/decision.md): Use this endpoint to update the status of a customer who was flagged for [review](/api-reference/customers/review). <br/> <br/> You can set the new status to `verified` or `rejected`.
- [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): Use this endpoint to retrieve a customer record by its unique `id`.
- [Review a customer](https://docs.straddle.com/api-reference/customers/review.md): Use this endpoint to review the identity and risk scores of an existing customer.
- [List customers](https://docs.straddle.com/api-reference/customers/search.md): Use this endpoint to list or search for customers using filters or query parameters
- [Unmask customer data](https://docs.straddle.com/api-reference/customers/unmask.md): Use this endpoint to unmask a customer's sensitive PII data.
- [Update a customer](https://docs.straddle.com/api-reference/customers/update.md): Use this endpoint to update an existing customer.
- [Embedded Accounts](https://docs.straddle.com/api-reference/embedded-accounts.md): Learn how to make API calls on behalf of your embedded accounts as a Straddle platform
- [Environments](https://docs.straddle.com/api-reference/environments.md): Understanding and using Straddle's sandbox and production environments
- [Errors](https://docs.straddle.com/api-reference/errors.md): Learn how to interpret and handle HTTP errors when working with the Straddle API
- [Lookup funding details](https://docs.straddle.com/api-reference/funding/details.md): Use this endpoint to get line item details for every payment in a funding event.
- [List funding events](https://docs.straddle.com/api-reference/funding/search.md): Use this endpoint to list or search for funding events using filters or query parameters
- [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.
- [Idempotent Requests](https://docs.straddle.com/api-reference/idempotency.md): Learn how to make idempotent API requests to Straddle to safely retry operations.
- [Introduction](https://docs.straddle.com/api-reference/introduction.md): An overview of the Straddle API structure and usage
- [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.
- [Metadata](https://docs.straddle.com/api-reference/metadata.md): Learn how to use metadata to attach custom information to Straddle objects
- [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 the status of a paykey to inactive. This action prevents any new payments from being created using this paykey.
- [Accept/Reject a paykey](https://docs.straddle.com/api-reference/paykeys/patch_review.md): Use this endpoint to accept or reject a paykey in the review status.
- [Lookup a paykey](https://docs.straddle.com/api-reference/paykeys/retrieve.md): Use this endpoint to retrieve a paykey by its unique `id`.
- [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): Use this endpoint to retrieve paykey review details by its unique `id`.
- [Search paykeys](https://docs.straddle.com/api-reference/paykeys/search.md): Use this endpoint to search for paykeys using filters or query parameters.
- [Unblock a paykey](https://docs.straddle.com/api-reference/paykeys/unblock.md): Use this endpoint to unblock a paykey that was blocked due to a `R29` return code using its unique `id`. The Unblock endpoint can only be used if the `unblock_eligible` parameter is set to `true` on the paykey and the status is `blocked`. If `unblock_eligible` is `false`, contact `support@straddle.i…
- [Unmask paykey data](https://docs.straddle.com/api-reference/paykeys/unmask.md): Use this endpoint to unmask a paykey's sensitive bank account data.
- [Search for all Payments](https://docs.straddle.com/api-reference/payments/search.md): Search all payments in the system.
- [Cancel a payout](https://docs.straddle.com/api-reference/payouts/cancel.md): Cancel a payout to prevent it from being sent. <br/><br/>Only payouts in `created` or `hold` status can be canceled.
- [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 hold to allow it to be processed. <br/><br/>Only payouts in `hold` status can be released.
- [Lookup a payout](https://docs.straddle.com/api-reference/payouts/retrieve.md): Use this endpoint to retrieve a payout by its unique `id`.
- [Update a payout](https://docs.straddle.com/api-reference/payouts/update.md): Update a payout to change the amount, date, or other details.
- [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): Use this endpoint to unmask a representative's sensitive PII data.
- [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.
- [Request ID](https://docs.straddle.com/api-reference/request-id.md): Learn how to use Request ID and Correlation ID for debugging and tracing API requests
- [Response Format](https://docs.straddle.com/api-reference/response-structure.md): Understanding the structure of Straddle API responses
- [Node.js SDK](https://docs.straddle.com/api-reference/sdk/node.md): Get started with the Straddle Node.js SDK
- [Python SDK](https://docs.straddle.com/api-reference/sdk/python.md): Get started with the Straddle Python SDK
- [Ruby SDK](https://docs.straddle.com/api-reference/sdk/ruby.md): Get started with the Straddle Ruby SDK
- [Changelog 2024](https://docs.straddle.com/changelog/updates/2024.md): Product updates and announcements for Straddle in 2024.
- [Changelog](https://docs.straddle.com/changelog/updates/2025.md): Product updates and announcements for Straddle in 2025
- [Changelog](https://docs.straddle.com/changelog/updates/2026.md): Product updates and announcements for Straddle in 2026
- [Bank Accounts](https://docs.straddle.com/guides/bridge/bank-account.md): The Bridge API allows you to create paykeys using raw bank account details.
- [Overview](https://docs.straddle.com/guides/bridge/overview.md): Learn how to use the Bridge open-banking platform to securely connect identities to bank accounts and generate Paykeys for initiating payments
- [Paykeys](https://docs.straddle.com/guides/bridge/paykeys.md): A new kind of token for secure account-to-account payments
- [Plaid](https://docs.straddle.com/guides/bridge/plaid-token.md): Integrating Plaid with Straddle to create paykeys for account-to-account payments
- [Create paykeys from Quiltt tokens](https://docs.straddle.com/guides/bridge/quiltt-token.md): Use Quiltt processor tokens to create paykeys for account-to-account payments through Straddle Bridge API
- [Widget](https://docs.straddle.com/guides/bridge/widget.md): Drop-in UI component to securely connect user bank accounts to your application.
- [Core Concepts](https://docs.straddle.com/guides/coreconcepts.md): A quick overview of how Straddle is structured
- [Accounts](https://docs.straddle.com/guides/embed/accounts.md): Create and manage client accounts
- [Platform API Interactions](https://docs.straddle.com/guides/embed/api-headers.md): Learn when and how to use the Straddle-Account-Id header for API requests based on your platform type (Marketplace or SaaS) and the operation being performed.
- [Capabilities](https://docs.straddle.com/guides/embed/capabilities.md): Manage capabilities for your accounts
- [Hosted Onboarding](https://docs.straddle.com/guides/embed/hosted-onboarding.md): Guide for adding Straddle hosted account onboarding into your platform
- [Linked Bank Accounts](https://docs.straddle.com/guides/embed/linked-bank-accounts.md): Manage linked bank accounts for your users
- [Onboarding](https://docs.straddle.com/guides/embed/onboarding.md): Instantly onboard new merchants with Straddle Embed
- [Organizations](https://docs.straddle.com/guides/embed/organizations.md): Manage multiple accounts under a single umbrella
- [Overview](https://docs.straddle.com/guides/embed/overview.md): Supercharge your platform payments with Straddle Embed
- [Embed React Component](https://docs.straddle.com/guides/embed/react-onboarding.md): A comprehensive guide to integrating and customizing the Straddle embed form in your React application
- [Representatives](https://docs.straddle.com/guides/embed/representatives.md): Manage representatives for your Straddle accounts
- [Glossary](https://docs.straddle.com/guides/glossary.md): A (really) big list of key terms and concepts for the Straddle platform
- [Business Identity](https://docs.straddle.com/guides/identity/business_identity.md): Understanding Business Identity verification
- [Customers](https://docs.straddle.com/guides/identity/customers.md): Manage end users who send or receive payments through your integration
- [Models & Scoring](https://docs.straddle.com/guides/identity/models.md): Understanding Straddle's risk assessment system, including decision logic, risk scores, and correlation scores
- [Overview](https://docs.straddle.com/guides/identity/overview.md): If you can solve identity in payments, the rest is just accounting.
- [Reason Codes](https://docs.straddle.com/guides/identity/reasons.md): Understanding the reason codes returned by Straddle's Identity verification process
- [Reputation](https://docs.straddle.com/guides/identity/reputation.md): Identify and stio friendly fraud with consumer identity data powered by Straddle's consortium network
- [Watchlists](https://docs.straddle.com/guides/identity/watchlists.md): Watchlists are used to prevent money-launding and terrorism.
- [Welcome to Straddle](https://docs.straddle.com/guides/overview.md): We're here to help you build better bank payments.
- [Pay by Bank](https://docs.straddle.com/guides/paybybank.md): Introduction to Straddle's unified API for account-to-account payments
- [Charges](https://docs.straddle.com/guides/payments/charges.md): Collect payments from customers' bank accounts
- [Funding & Reconciliation](https://docs.straddle.com/guides/payments/funding.md): Understanding how payments settle and reconciling your transactions
- [Overview](https://docs.straddle.com/guides/payments/overview.md): Understanding charges, payouts, and funding events in Straddle
- [Payouts](https://docs.straddle.com/guides/payments/payouts.md): Send money to customers' bank accounts
- [Reporting](https://docs.straddle.com/guides/payments/reports.md): Search, filter, and export payment data for reporting and reconciliation
- [Payment Status & Lifecycle](https://docs.straddle.com/guides/payments/statuses.md): Complete reference for payment status flows, reasons, and return codes
- [Quickstart](https://docs.straddle.com/guides/quickstart.md): Start building open banking payment experiences in minutes
- [Securely Share Data with Straddle](https://docs.straddle.com/guides/resources/datashare.md): Upload encrypted data for POC or portfolio scrubs
- [Sandbox Simulation Testing](https://docs.straddle.com/guides/resources/sandbox-paybybank.md): Test payment scenarios with deterministic outcomes in our sandbox environment
- [Platform Sandbox Quickstart](https://docs.straddle.com/guides/resources/sandbox-platform.md): Create test accounts quickly in the Straddle sandbox
- [Synthetic Identity Fraud](https://docs.straddle.com/guides/resources/synthetic-identity.md): Learn about synthetic identity fraud, its impact on businesses, and how Straddle can help
- [WALDO: Identity Matching](https://docs.straddle.com/guides/resources/waldo.md): WALDO is Straddle's proprietary identity matching algorithm designed to securely and accurately verify that a customer's identity matches the ownership details of their bank account.
- [ACH basics](https://docs.straddle.com/help/ACH101/ach-basics.md): Learn about the Automated Clearing House (ACH) Network, its participants, and how electronic payments are processed and settled.
- [What is an ACH credit?](https://docs.straddle.com/help/ACH101/ach-credit.md): A complete guide to what ACH credit transactions are, how they work, and how they're different 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): A comprehensive guide to the ACH network rules, why organizations should comply with them, and effective ways to ensure compliance.
- [Same Day ACH vs Standard ACH & Cut-off times](https://docs.straddle.com/help/ACH101/same-day-vs-standard-ach.md): Understanding the differences between same-day and standard ACH processing, including benefits and timing requirements
- [What is Nacha and is your business compliant?](https://docs.straddle.com/help/ACH101/what-is-nacha.md): A comprehensive guide to the ACH network rules, why organizations should comply with them, and effective ways to ensure compliance.
- [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): Understanding Nacha's new rules and compliance requirements for businesses accepting internet-initiated ACH payments
- [Ach auth](https://docs.straddle.com/help/Payment-Compliance/ach-auth.md)
- [Understanding consent methods: Internet vs. Signed](https://docs.straddle.com/help/Payment-Compliance/consent-types.md): Which form of consent best matches your business use case?
- [Cannabis Related Business Due Diligence](https://docs.straddle.com/help/Payment-Compliance/crb-dd.md): Requirements for onboarding Cannabis Related Businesses with enhanced due diligence requirements
- [Data Security: This is the way](https://docs.straddle.com/help/Payment-Compliance/data-security.md): Keep your data secure and stay compliant
- [SEC Codes](https://docs.straddle.com/help/Payment-Compliance/sec-codes.md): Learn about SEC codes, how they work in ACH payments, and the authorization requirements for different payment types.
- [Standing Authorizations](https://docs.straddle.com/help/Payment-Compliance/standing-auth.md): Standards for standing authorization as advance authorization by consumers for future debits at various intervals
- [Accounts with Benefits: FBO](https://docs.straddle.com/help/Reference-Materials/fbo-accounts.md): Understanding For Benefit Of accounts for early-stage Money Service Businesses
- [Glossary of Straddle Terms](https://docs.straddle.com/help/Reference-Materials/glossary.md): A comprehensive reference of key terms and concepts for the Straddle platform
- [MSB: A fintech guide](https://docs.straddle.com/help/Reference-Materials/money-service.md): Understanding MSB requirements, money transmitter licenses, and compliance obligations
- [Check the status of your production request](https://docs.straddle.com/help/Reference-Materials/production.md): Learn how to check the status of your product request, application, or full access request through our onboarding team.
- [Beneficial Ownership Requirements](https://docs.straddle.com/help/Reference-Materials/representatives.md): Legal requirements for identifying beneficial owners of business accounts under the Customer Due Diligence (CDD) rule
- [ACH Return Guide](https://docs.straddle.com/help/nacha-rules/ach-return.md): Understanding ACH returns, compliance thresholds, and return codes for Nacha compliance
- [ACH Rules & Regulations](https://docs.straddle.com/help/nacha-rules/ach-rules.md): Comprehensive guide to the rules and regulations governing ACH entry transmission for financial institutions
- [Nacha ACH Appendix](https://docs.straddle.com/help/nacha-rules/nacha-appendix.md): Complete reference guide for ACH file format, batch information, and terminology for all Nacha Quick Reference collection rules
- [Plaid](https://docs.straddle.com/integrations/open-banking/plaid.md): Bring your Plaid bank connections to Straddle
- [Quiltt](https://docs.straddle.com/integrations/open-banking/quiltt.md): Bring your Quiltt bank connections to Straddle
- [Overview](https://docs.straddle.com/integrations/overview.md): Connect your stack with Straddle.
- [Zapier](https://docs.straddle.com/integrations/webhooks/zapier.md): Receive Straddle Events using Zapier
- [Webhooks 101](https://docs.straddle.com/webhooks/overview/101.md): Learn the basics of deploying, ingesting, and verifying webhooks from Straddle.
- [Endpoints & Testing](https://docs.straddle.com/webhooks/overview/endpoints.md): Learn how to configure endpoints to start receiving and testing Straddle webhooks
- [Event Catalog](https://docs.straddle.com/webhooks/overview/events.md): A comprehensive guide to all webhook events available in the Straddle platform
- [Filtering Logs](https://docs.straddle.com/webhooks/overview/filtering.md): Learn how to locate and filter webhook delivery logs for specific messages
- [Polling Endpoints](https://docs.straddle.com/webhooks/overview/polling.md): Get a stream of events by polling, without having to set up a webhook endpoint.
- [Replays and Retries](https://docs.straddle.com/webhooks/overview/replays.md): Learn how Straddle handles webhook replays and failed delivery attempts
- [Trusted IP Lists](https://docs.straddle.com/webhooks/security/ip-list.md): Secure communication between Straddle and your endpoints
- [Manual Verification](https://docs.straddle.com/webhooks/security/manual.md): Guide to manually verify webhook signatures without libraries
- [Webhook Security SDKs](https://docs.straddle.com/webhooks/security/sdks.md): Learn how to securely verify webhook payloads from Straddle using Svix
- [Why Verify Webhooks](https://docs.straddle.com/webhooks/security/why-verify.md): Understanding the importance of verifying webhooks from Straddle

## 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)


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