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Instruments

Create and manage your card and bank account payment instruments.

Create an instrument

Create a payment instrument like card, bank, ach or sepa to use for future payments and payouts.

The parameters you need to provide when creating a bank account payment instrument depend on the account's country and currency. See the payout formatting documentation, or use the GET /validation/bank-accounts/{country}/{currency} endpoint.

SecurityOAuth2: OAuth or API Key: ApiSecretKey
Request
Request Body schema: application/json
required
currency
required
string

The three-letter ISO currency code of the account's currency

country
required
string

The two-letter ISO country code of where the account is based

type
string

The type of instrument. bank_account payment instruments only support payouts.

account_type
string

The type of account

Enum: "savings" "current" "cash"
account_number
string

Number (which can contain letters) that identifies the account

bank_code
string

Code that identifies the bank

branch_code
string

Code that identifies the bank branch

iban
string

Internationally agreed standard for identifying bank account

bban
string

The combination of bank code and/or branch code and account number

swift_bic
string

8 or 11 character code which identifies the bank or bank branch

processing_channel_id
string

The ID of the primary processing channel this instrument is intended to be used for

object (AccountHolder)

The bank account holder details. Having accurate and complete data improves payout performance (increases success rate and the prevents delays).

object (BankDetails)

Details of the bank

object (StoreCustomerInstrumentRequest)

The customer's details

Responses
200

Existing instrument for customer and card details found

201

Instrument created successfully

401

Unauthorized

422

Invalid data was sent

500

Internal Error

post/instruments
Request samples
application/json
{
  • "type": "bank_account",
  • "account_type": "savings",
  • "account_number": "13654567455",
  • "bank_code": "123-456",
  • "branch_code": "6443",
  • "iban": "HU93116000060000000012345676",
  • "bban": "3704 0044 0532 0130 00",
  • "swift_bic": "37040044",
  • "currency": "GBP",
  • "country": "GB",
  • "processing_channel_id": "pc_u2l6xz5joigedmk7g5vxzt7rqy",
  • "account_holder": {
    },
  • "bank": {
    },
  • "customer": {
    }
}
Response samples
application/json
{
  • "type": "bank_account",
  • "id": "src_wmlfc3zyhqzehihu7giusaaawu",
  • "fingerprint": "vnsdrvikkvre3dtrjjvlm5du4q",
  • "customer": {
    },
  • "bank": {
    },
  • "swift_bic": "37040044",
  • "account_number": "13654567455",
  • "bank_code": "123-456",
  • "iban": "HU93116000060000000012345676"
}

Get instrument details

Retrieve the details of a payment instrument.

SecurityOAuth2: OAuth or API Key: ApiSecretKey
Request
path Parameters
id
required
string^(src)_(\w{26})$

The instrument ID

Responses
200

Instrument retrieved successfully

401

Unauthorized

404

Instrument not found

get/instruments/{id}
Request samples 
// For more information please refer to https://github.com/checkout/checkout-sdk-net
using Checkout.Instruments.Get;

//API keys
ICheckoutApi api = CheckoutSdk.Builder().StaticKeys()
    .SecretKey("secret_key")
    .Environment(Environment.Sandbox)
    .EnvironmentSubdomain("{prefix}") // Your base URL's {prefix} value is unique to your account and environment. To learn how to retrieve your base URLs for the sandbox and production environments, see https://www.checkout.com/docs/developer-resources/api/api-endpoints.
    .HttpClientFactory(new DefaultHttpClientFactory())
    .Build();

//OAuth
ICheckoutApi api = CheckoutSdk.Builder().OAuth()
    .ClientCredentials("client_id", "client_secret")
    .Scopes(OAuthScope.Vault)
    .Environment(Environment.Sandbox)
    .EnvironmentSubdomain("{prefix}") // Your base URL's {prefix} value is unique to your account and environment. To learn how to retrieve your base URLs for the sandbox and production environments, see https://www.checkout.com/docs/developer-resources/api/api-endpoints.
    .HttpClientFactory(new DefaultHttpClientFactory())
    .Build();

try
{
    GetInstrumentResponse response = await api.InstrumentsClient().Get("instrument_id");
}
catch (CheckoutApiException e)
{
    // API error
    string requestId = e.RequestId;
    var statusCode = e.HttpStatusCode;
    IDictionary<string, object> errorDetails = e.ErrorDetails;
}
catch (CheckoutArgumentException e)
{
    // Bad arguments
}
catch (CheckoutAuthorizationException e)
{
    // Invalid authorization
}
Response samples
application/json
{
  • "type": "bank_account",
  • "id": "src_wmlfc3zyhqzehihu7giusaaawu",
  • "fingerprint": "vnsdrvikkvre3dtrjjvlm5du4q",
  • "account_type": "savings",
  • "account_number": "13654567455",
  • "bank_code": "123-456",
  • "branch_code": "6443",
  • "iban": "HU93116000060000000012345676",
  • "bban": "3704 0044 0532 0130 00",
  • "swift_bic": "37040044",
  • "currency": "GBP",
  • "country": "GB",
  • "account_holder": {
    },
  • "bank": {
    },
  • "customer": {
    }
}

Update an instrument

Update the details of a payment instrument.

SecurityOAuth2: OAuth or API Key: ApiSecretKey
Request
path Parameters
id
required
string^(src_)[a-z0-9]{26}$

The instrument ID

Example: src_ubfj2q76miwundwlk72vxt2i7q
Request Body schema: application/json
required
type
string

The type of instrument. card payment instruments.

expiry_month
integer [ 1 .. 2 ] characters >= 1

The expiry month of the card

expiry_year
integer = 4 characters

The expiry year of the card

name
string

Name of the cardholder

object (UpdateCardAccountHolder)

The account holder details

object (UpdateCustomerRequest)

The customer's details

Responses
200

Instrument updated successfully

401

Unauthorized

404

Instrument not found or not associated with client

422

Invalid data was sent

500

Internal Error

patch/instruments/{id}
Request samples
application/json
{
  • "type": "card",
  • "expiry_month": 6,
  • "expiry_year": 2025,
  • "name": "Mr. J Smith",
  • "account_holder": {
    },
  • "customer": {
    }
}
Response samples
application/json
{
  • "type": "card",
  • "fingerprint": "smoua2sbuqhupeofwbe77n5nsm"
}

Delete an instrument

Delete a payment instrument.

SecurityOAuth2: OAuth or API Key: ApiSecretKey
Request
path Parameters
id
required
string^(src_)[a-z0-9]{26}$

The ID of the payment instrument to be deleted

Example: src_ubfj2q76miwundwlk72vxt2i7q
Responses
204

Instrument deleted successfully

401

Unauthorized

404

Instrument not found or not associated with client

500

Internal Error

delete/instruments/{id}
Request samples 
// For more information please refer to https://github.com/checkout/checkout-sdk-net

//API keys
ICheckoutApi api = CheckoutSdk.Builder().StaticKeys()
    .SecretKey("secret_key")
    .Environment(Environment.Sandbox)
    .EnvironmentSubdomain("{prefix}") // Your base URL's {prefix} value is unique to your account and environment. To learn how to retrieve your base URLs for the sandbox and production environments, see https://www.checkout.com/docs/developer-resources/api/api-endpoints.
    .HttpClientFactory(new DefaultHttpClientFactory())
    .Build();

//OAuth
ICheckoutApi api = CheckoutSdk.Builder().OAuth()
    .ClientCredentials("client_id", "client_secret")
    .Scopes(OAuthScope.Vault)
    .Environment(Environment.Sandbox)
    .EnvironmentSubdomain("{prefix}") // Your base URL's {prefix} value is unique to your account and environment. To learn how to retrieve your base URLs for the sandbox and production environments, see https://www.checkout.com/docs/developer-resources/api/api-endpoints.
    .HttpClientFactory(new DefaultHttpClientFactory())
    .Build();

try
{
    EmptyResponse response = await api.InstrumentsClient().Delete("instrument_id");
}
catch (CheckoutApiException e)
{
    // API error
    string requestId = e.RequestId;
    var statusCode = e.HttpStatusCode;
    IDictionary<string, object> errorDetails = e.ErrorDetails;
}
catch (CheckoutArgumentException e)
{
    // Bad arguments
}
catch (CheckoutAuthorizationException e)
{
    // Invalid authorization
}

Revoke an instrument

Revoke a payment instrument.

The instrument status is set to INVALID with the reason revoked_by_merchant.
The instrument record is retained for audit purposes.

SecurityOAuth2: OAuth or API Key: ApiSecretKey
Request
path Parameters
id
required
string^(src_)[a-z0-9]{26}$

The payment instrument ID.

Example: src_ubfj2q76miwundwlk72vxt2i7q
Responses
200

Instrument revoked successfully

401

request lacks valid authentication credentials. Check your access token or API key

404

Instrument not found or not associated with merchant

410

Instrument has already been deleted or revoked

422

The request payload failed validation. See the response body for details on which fields failed

500

An unexpected error occurred on our side

patch/instruments/{id}/revoke
Request samples 
Response samples 
application/json
{
  • "request_id": "0HL80RJLS76I7",
  • "error_type": "request_invalid",
  • "error_codes": [
    ]
}
Get bank account field formatting
Returns the bank account field formatting required to create bank account instruments or perform payouts for the specified country and currency.


SecurityOAuth2: OAuth 
Request 
path Parameters
country
required
string  = 2 characters 
The two-letter ISO country code


 
currency
required
string  = 3 characters 
The three-letter ISO currency code


 
query Parameters
account-holder-type
string
The type of account holder that will be used to filter the fields returned


 Enum: "individual" "corporate" "government"  
payment-network
string
The banking network that will be used to filter the fields returned


 Enum: "local" "sepa" "fps" "ach" "fedwire" "swift"  
Responses 
200
Bank account fields retrieved successfully


401
Unauthorized


404
Fields not found


422
Invalid data was sent


get/validation/bank-accounts/{country}/{currency}
Request samples 
// For more information please refer to https://github.com/checkout/checkout-sdk-net
using Checkout.Common;
using Checkout.Instruments.Get;


ICheckoutApi api = CheckoutSdk.Builder().OAuth()
    .ClientCredentials("client_id", "client_secret")
    .Scopes(OAuthScope.PayoutsBankDetails)
    .Environment(Environment.Sandbox)
    .EnvironmentSubdomain("{prefix}") // Your base URL's {prefix} value is unique to your account and environment. To learn how to retrieve your base URLs for the sandbox and production environments, see https://www.checkout.com/docs/developer-resources/api/api-endpoints.
    .HttpClientFactory(new DefaultHttpClientFactory())
    .Build();

BankAccountFieldQuery request = new BankAccountFieldQuery
{
    AccountHolderType = AccountHolderType.Individual, PaymentNetwork = PaymentNetwork.Local
};

try
{
    BankAccountFieldResponse response = await api.InstrumentsClient()
        .GetBankAccountFieldFormatting(CountryCode.GB, Currency.GBP, request);
}
catch (CheckoutApiException e)
{
    // API error
    string requestId = e.RequestId;
    var statusCode = e.HttpStatusCode;
    IDictionary<string, object> errorDetails = e.ErrorDetails;
}
catch (CheckoutArgumentException e)
{
    // Bad arguments
}
catch (CheckoutAuthorizationException e)
{
    // Invalid authorization
}
Response samples 
application/json
{
  • "sections": [
    ]
}
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