Skip to content
Banking as a Service
/
/
Performs an ACH pull tran...

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

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

Performs an ACH pull transaction.

Request

Bodyapplication/json
accountNumberstringrequired
addendastring

Optional text filed in the Nacha file for payment information. May or may not be displayed to the recipient. Max length 80

amountnumberrequired

Explicit decimal point and trailing zeros are truncated. Example:1234.56.

counterpartyIdinteger(int32)required

counterparty ID of the recipient

descriptionstringrequired

The first 10 character of the description will be used as Company Entry Description in the Nacha file. (For ACH endpoints). Originator to receiver message (For wire endpoints).

effectiveEntryDatedate

Effective entry date for the transaction in the Nacha file. Needs to be an eligible date for Effective Entry Date if present.

externalIdstring

Optional external ID to track the transaction

internalNotestring

Transaction Internal Note

prenoteboolean

Amount must be 0 if true

secCodestringrequired

SEC Code per Nacha standard

Enum"CCD""CIE""PPD""TEL""WEB""IAT"
servicestring

SAME_DAY to request a Same Day ACH. STANDARD to request Next Day ACH. The final process date depends on the Financial Institution’s processing window.

Enum"STANDARD""SAME_DAY"
curl -i -X POST \
  https://docs.theropay.co/_mock/theropay/docs/reference/openapi-braid/finance/api/v1/transaction/ach/pull \
  -H 'Content-Type: application/json' \
  -d '{
    "accountNumber": "string",
    "addenda": "string",
    "amount": 0,
    "counterpartyId": 0,
    "description": "string",
    "effectiveEntryDate": null,
    "externalId": "string",
    "internalNote": "string",
    "prenote": true,
    "secCode": "CCD",
    "service": "STANDARD"
  }'

Responses

OK

Performs an ACH push transaction.

Request

Bodyapplication/json
accountNumberstringrequired
addendastring

Optional text filed in the Nacha file for payment information. May or may not be displayed to the recipient. Max length 80.

amountnumberrequired

Explicit decimal point and trailing zeros are truncated. Example:1234.56

counterpartyIdintegerrequired

counterparty ID of the recipient

descriptionstringrequired

The first 10 character of the description will be used as Company Entry Description in the Nacha file. (For ACH endpoints). Originator to receiver message (For wire endpoints)

effectiveEntryDatedate

Effective entry date for the transaction in the Nacha file. Needs to be an eligible date for Effective Entry Date if present.

externalIdstring

Optional external ID to track the transaction

internalNotestring

Transaction Internal Note

prenoteboolean

Amount must be 0 if true

secCodestringrequired
Enum"CCD""CIE""PPD""TEL""WEB""IAT"
servicestring

SAME_DAY to request a Same Day ACH. STANDARD to request Next Day ACH. The final process date depends on the Financial Institution’s processing window.

Enum"STANDARD""SAME_DAY"
curl -i -X POST \
  https://docs.theropay.co/_mock/theropay/docs/reference/openapi-braid/finance/api/v1/transaction/ach/push \
  -H 'Content-Type: application/json' \
  -d '{
    "accountNumber": "string",
    "addenda": "string",
    "amount": 0,
    "counterpartyId": 0,
    "description": "string",
    "effectiveEntryDate": null,
    "externalId": "string",
    "internalNote": "string",
    "prenote": true,
    "secCode": "CCD",
    "service": "STANDARD"
  }'

Responses

OK

Perform an international wire outbound transaction.

Request

Bodyapplication/json
accountNumberstringrequired
amountnumberrequired

Explicit decimal point and trailing zeros are truncated. Example:1234.56.

counterpartyIdintegerrequired
descriptionstringrequired

The first 10 character of the description will be used as Company Entry Description in the Nacha file. (For ACH endpoints). Originator to receiver message (For wire endpoints).

externalIdstring

External reference ID

internalNotestring

Transaction Internal Note

curl -i -X POST \
  https://docs.theropay.co/_mock/theropay/docs/reference/openapi-braid/finance/api/v1/transaction/wire/international \
  -H 'Content-Type: application/json' \
  -d '{
    "accountNumber": "string",
    "amount": 0,
    "counterpartyId": 0,
    "description": "string",
    "externalId": "string",
    "internalNote": "string"
  }'

Responses

OK

Performs a Domestic wire outbound transaction.

Request

Bodyapplication/json
accountNumberstringrequired
amountnumberrequired

Explicit decimal point and trailing zeros are truncated. Example:1234.56.

counterpartyIdintegerrequired
descriptionstringrequired

The first 10 character of the description will be used as Company Entry Description in the Nacha file. (For ACH endpoints). Originator to receiver message (For wire endpoints).

externalIdstring

External reference ID

internalNotestring

Transaction Internal Note

curl -i -X POST \
  https://docs.theropay.co/_mock/theropay/docs/reference/openapi-braid/finance/api/v1/transaction/wire/domestic \
  -H 'Content-Type: application/json' \
  -d '{
    "accountNumber": "string",
    "amount": 0,
    "counterpartyId": 0,
    "description": "string",
    "externalId": "string",
    "internalNote": "string"
  }'

Responses

OK

Performs an Internal wire transfer.

Request

Bodyapplication/json
amountnumber(double)required

Explicit decimal point and trailing zeros are truncated. Example:1234.56.

descriptionstringrequired

The first 10 character of the description will be used as Company Entry Description in the Nacha file. (For ACH endpoints). Originator to receiver message (For wire endpoints)

externalIdstring

External reference ID

internalNotestring

Transaction Internal Note

recipientAccountNumberstringrequired

Recipient account number

senderAccountNumberstringrequired

Sender account number

curl -i -X POST \
  https://docs.theropay.co/_mock/theropay/docs/reference/openapi-braid/finance/api/v1/transaction/internal/transfer \
  -H 'Content-Type: application/json' \
  -d '{
    "amount": 0.1,
    "description": "string",
    "externalId": "string",
    "internalNote": "string",
    "recipientAccountNumber": "string",
    "senderAccountNumber": "string"
  }'

Responses

OK