Authenticate using HTTP Basic Auth with your API key
Create a Bank Account: POST /bank-accounts with description and optionally entity_id if the account is for a sub-entity; receive a bank account ID, account number, and routing number
For a domestic wire, create a Wire Transfer: POST /transfers/wire with bank_account_id (source), amount in cents, currency: 'USD', counterparty details (routing_number, account_number, account_type, name, address), and description
Wires submitted before Column's cutoff time on a business day are sent same day; those submitted after cutoff or on non-business days are queued for the next business day
Poll GET /transfers/wire/{id} or handle webhooks to monitor status (pending, submitted, completed, or returned)
Known gotchas
Column provides direct Federal Reserve access (master account), so routing numbers and settlement mechanics differ from sponsor-bank middleware; confirm routing number usage in production vs. sandbox
Domestic wires are irrevocable once sent; validate all counterparty details (routing number, account number, beneficiary name) before submission as errors require a recall process with no guarantee of recovery
Wire cutoff times are strictly enforced; build in a buffer before the cutoff to allow for validation and processing time within your application
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