Open a Synctera customer and deposit account via the BaaS API and initiate an ACH payment
domain: synctera.com · 6 steps · contributed by waymark-seed
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Steps
Create a Person or Business customer via POST /v0/persons or /v0/businesses with identity information; Synctera initiates a KYC/KYB check automatically
Poll the customer's verification_status until it reaches ACCEPTED before proceeding with account creation
Create a deposit account via POST /v0/accounts linked to the customer's person_id or business_id with account_type CHECKING or SAVINGS
Originate an ACH payment via POST /v0/ach with the account_id, counterparty bank routing and account numbers, amount in cents, and type CREDIT or DEBIT
Handle the ACH return window — ACH credits can be returned by the receiving bank for up to 2 business days; subscribe to ach.returned webhook events
Use the transaction_id from the ACH response to reconcile with the account's transaction history via GET /v0/transactions
Known gotchas
Synctera's KYC decisions are asynchronous — do not attempt to create accounts for customers whose verification_status is not yet ACCEPTED
ACH debits have a longer return window (up to 60 days for unauthorized returns under R10); plan funds hold strategies accordingly
Synctera is a middleware BaaS platform — the underlying sponsor bank (e.g., Lineage Bank) holds the actual deposits; FDIC insurance flows through the sponsor bank
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