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Theropay BaaS API

Theropay Banking-as-a-Service (BaaS) API provides a full suite of banking services for merchants and customers, enabling secure, scalable, and programmable banking operations.

The API allows seamless integration of banking functionality into your applications, including: Customer onboarding and management, Account creation, retrieval and updates,Internal and external fund transfers.

Download OpenAPI description
openapi-braid.json
openapi-braid.yaml
Overview
API Support

support@theropay.io

Languages
Servers
Mock server

https://docs.theropay.co/_mock/theropay/docs/reference/openapi-braid/

Production server

https://api.theropay.io/

Business

APIs for managing businesses within the Theropay Banking-as-a-Service (BaaS) platform. These endpoints allow you to create and retrieve business entities, manage accounts, perform identity verification, and handle counterparties. Designed for seamless integration, the Business APIs enable secure and efficient operations for merchants and customers.

Operations

Creates a new business.

Request

Bodyapplication/json

Request object containing details of the business to create.

achobject(AchDetailsRequest)
achCompanyIdstring or null
achCompanyNamestring or null
addressobject(AddressRequest)
businessEntityTypestring or null
businessIdTypestring or null
dbastring or null
emailstring or null
formationDatestring or null
idNumberstring or null
incorporationStatestring or null
mccstring or null
mobilePhonestring or null
naicsstring or null
namestring or null
productIdinteger(int32)
submittedByobject(SubmittedByRequest)
websitestring or null
curl -i -X POST \
  https://docs.theropay.co/_mock/theropay/docs/reference/openapi-braid/finance/api/v1/business \
  -H 'Content-Type: application/json' \
  -d '{
    "ach": {
      "accountNumber": "string",
      "address": {
        "city": "string",
        "countryCode": "string",
        "line1": "string",
        "line2": "string",
        "postalCode": "string",
        "state": "string",
        "type": "MAILING"
      },
      "bankAccountType": "string",
      "bankName": "string",
      "gatewayRoutingNumber": "string",
      "rdfiNumberQualifier": "string",
      "routingNumber": "string"
    },
    "achCompanyId": "string",
    "achCompanyName": "string",
    "address": {
      "city": "string",
      "countryCode": "string",
      "line1": "string",
      "line2": "string",
      "postalCode": "string",
      "state": "string",
      "type": "MAILING"
    },
    "businessEntityType": "string",
    "businessIdType": "string",
    "dba": "string",
    "email": "string",
    "formationDate": "string",
    "idNumber": "string",
    "incorporationState": "string",
    "mcc": "string",
    "mobilePhone": "string",
    "naics": "string",
    "name": "string",
    "productId": 0,
    "submittedBy": {
      "contactPersonEmail": "string",
      "contactPersonFirstName": "string",
      "contactPersonLastName": "string",
      "contactPersonPhone": "string"
    },
    "website": "string"
  }'

Responses

OK

Retrieves business details for a specific business ID.

Request

Path
idinteger(int32)required
curl -i -X GET \
  'https://docs.theropay.co/_mock/theropay/docs/reference/openapi-braid/finance/api/v1/business/{id}'

Responses

OK

Creates an identity verification request for a customer.

Request

Bodyapplication/json
customerIdinteger(int32)
docsArray of objects or null(DocumentRequest)
isDeveloperInitiatedboolean
providerArray of strings or null
resultstring or null
verificationResultstring or null
curl -i -X POST \
  https://docs.theropay.co/_mock/theropay/docs/reference/openapi-braid/finance/api/v1/identity-verification \
  -H 'Content-Type: application/json' \
  -d '{
    "customerId": 0,
    "docs": [
      {
        "content": "string",
        "documentType": "string",
        "extension": "string"
      }
    ],
    "isDeveloperInitiated": true,
    "provider": [
      "string"
    ],
    "result": "string",
    "verificationResult": "string"
  }'

Responses

OK

Creates a new counterparty.

Request

Bodyapplication/json
accountNumberstring
achobject(AchRequest)
braidobject(BraidRequest)
businessIdint32

The businessId the counterparty is associated with.

dateOfBirthdate
emailstring

Email of the counterparty

idNumberstring

ID number of the counterparty

individualIdint32

The individualId the counterparty is associated with.

namestringrequired

Name of the counterparty

phonestring

Phone number of the counterparty

idTypestring

ID Type of the counterparty

Enum"EIN""SSN""TIN""DRIVING_LICENSE""NATIONAL_ID_CARD""ITIN""PASSPORT""OTHER_ID"
productIdint32

The productId the counterparty is associated with

bankAccountTypestringrequired
Enum"SAVINGS""CHECKINGS"
typestring

Type of the counterparty

Enum"BUSINESS""INDIVIDUAL"
wireobject(WireRequest)
curl -i -X POST \
  https://docs.theropay.co/_mock/theropay/docs/reference/openapi-braid/finance/api/v1/counterparty \
  -H 'Content-Type: application/json' \
  -d '{
    "accountNumber": "string",
    "ach": {
      "accountNumber": "string",
      "address": {
        "city": "string",
        "countryCode": "string",
        "line1": "string",
        "line2": "string",
        "postalCode": "string",
        "state": "string",
        "type": "MAILING"
      },
      "bankAccountType": "SAVINGS",
      "bankName": "string",
      "gatewayRoutingNumber": "string",
      "rdfiNumberQualifier": "NATIONAL_CLEARING_SYSTEM",
      "routingNumber": "string"
    },
    "braid": {
      "accountNumber": "string"
    },
    "businessId": null,
    "dateOfBirth": null,
    "email": "string",
    "idNumber": "string",
    "individualId": null,
    "name": "string",
    "phone": "string",
    "idType": "EIN",
    "productId": null,
    "bankAccountType": "SAVINGS",
    "type": "BUSINESS",
    "wire": {
      "address": {
        "city": "string",
        "countryCode": "string",
        "line1": "string",
        "line2": "string",
        "postalCode": "string",
        "state": "string",
        "type": "MAILING"
      },
      "beneficiaryAccountNumber": "string",
      "beneficiaryFIAddress": {
        "city": "string",
        "countryCode": "string",
        "line1": "string",
        "line2": "string",
        "postalCode": "string",
        "state": "string",
        "type": "MAILING"
      },
      "beneficiaryFIIdType": "ABA",
      "beneficiaryFIName": "string",
      "beneficiaryIdNumber": "string",
      "intermediaryFIAddress": {
        "city": "string",
        "countryCode": "string",
        "line1": "string",
        "line2": "string",
        "postalCode": "string",
        "state": "string",
        "type": "MAILING"
      },
      "intermediaryFIIdNumber": "string",
      "intermediaryFIIdType": "ABA",
      "intermediaryFIName": "string",
      "receiverRoutingNumber": "string",
      "receiverShortName": "string",
      "type": "DOMESTIC"
    }
  }'

Responses

OK

Accounts

APIs for managing accounts within the Theropay Banking-as-a-Service (BaaS) platform. These endpoints allow you to create new accounts, retrieve account details, and check account balances. Designed to help merchants and customers manage their funds easily and securely.

Operations

Transactions

APIs for performing financial transactions within the Theropay BaaS platform. These endpoints include ACH pull and push operations, as well as internal transfers between accounts. They enable secure movement of funds and make transaction handling simple for both merchants and customers.

Operations