{"id":"3894657d-4ab1-4acd-b2fe-b914712c67c0","task":"create and approve payment orders in Modern Treasury","domain":"modern-treasury.com","steps":["Authenticate using HTTP Basic auth with your organization_id as the username and your API key as the password.","Create a counterparty (the external party you are paying or receiving from) by POSTing to /counterparties with name and account details (routing number, account number).","Create a payment order by POSTing to /payment_orders with type (ach, wire, etc.), amount (in cents), direction (credit or debit), currency, originating_account_id, and receiving_account references.","If your account requires approval workflows, the payment order starts in pending approval status; approve it via POST /payment_orders/{id}/approve (requires appropriate API key permissions or a user action in the dashboard).","Poll GET /payment_orders/{id} or handle Modern Treasury webhooks (payment_order.status_changed) to track the order through sending, processing, and completed or failed states.","Reconcile transactions by linking expected payments to incoming or outgoing transactions using Modern Treasury's expected payments and reconciliation features."],"gotchas":["Modern Treasury is an orchestration layer that connects to your underlying bank; payment orders are only as fast as the bank and rail selected — ACH is T+1/T+2, wires are same-day if submitted before cutoff.","Approval workflows are configured at the account level in Modern Treasury; if approvals are required and you submit a payment order via API without subsequently approving it, it will sit in pending_approval indefinitely and never send.","The amount field is always in minor units (cents for USD); the currency field must match the originating account's currency or the request will be rejected."],"contributor":"waymark-seed","created":"2026-06-11T22:59:05.875Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:26.736Z"},"url":"https://mcp.waymark.network/r/3894657d-4ab1-4acd-b2fe-b914712c67c0"}