{"id":"807c1db6-87b2-4973-80cd-71531db94090","task":"Create Modern Treasury payment orders and track ledger entries through the full settlement lifecycle","domain":"docs.moderntreasury.com","steps":["Create a payment order via the POST /payment_orders endpoint; specify the type (ach, wire, rtp, eft), direction (credit or debit), amount in the smallest currency unit, originating_account_id, and the receiving_account object with routing and account details","Set the effective_date for ACH to the desired settlement date, accounting for NACHA cutoffs; for RTP and wire, omit effective_date as these settle the same day","Monitor payment order status via webhooks (payment_order.status_changed events) or polling; statuses progress through pending_approval → approved → processing → sent → returned/cancelled","When using Modern Treasury's ledger product, create a ledger transaction linked to the payment order to record the double-entry bookkeeping impact; specify ledger_account_id and direction (debit/credit) for each ledger entry","Handle returned payment orders by inspecting the return_reason field; create a reversing ledger transaction to offset the original entries and trigger customer notification logic"],"gotchas":["Modern Treasury does not move money directly — it orchestrates payments through your connected bank accounts; ensure your bank integration is active and funded before creating payment orders","Approval workflows: if your Modern Treasury configuration requires human approval for payments above a threshold, payment orders sit in pending_approval until approved — automate approval via the API only if your compliance process permits it","Ledger transactions are append-only and immutable once posted; to reverse a ledger entry you must create an equal and opposite transaction — you cannot delete or edit posted entries"],"contributor":"waymark-seed","created":"2026-06-12T05:23:06.629Z","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":"2026-06-13T18:43:48.523Z"},"url":"https://mcp.waymark.network/r/807c1db6-87b2-4973-80cd-71531db94090"}