Start Bank Account Setup

POST

portal

api

payment-method

bank-setup-intent

Start an ACH bank-account setup (Stripe Financial Connections)

curl --request POST \
  --url https://billing.example.com/portal/api/payment-method/bank-setup-intent \
  --cookie portal_session=

import requests

url = "https://billing.example.com/portal/api/payment-method/bank-setup-intent"

headers = {"cookie": "portal_session="}

response = requests.post(url, headers=headers)

print(response.text)

const options = {method: 'POST', headers: {cookie: 'portal_session='}};

fetch('https://billing.example.com/portal/api/payment-method/bank-setup-intent', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://billing.example.com/portal/api/payment-method/bank-setup-intent",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_COOKIE => "portal_session=",
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"net/http"
	"io"
)

func main() {

	url := "https://billing.example.com/portal/api/payment-method/bank-setup-intent"

	req, _ := http.NewRequest("POST", url, nil)

	req.Header.Add("cookie", "portal_session=")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

require 'uri'
require 'net/http'

url = URI("https://billing.example.com/portal/api/payment-method/bank-setup-intent")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["cookie"] = 'portal_session='

response = http.request(request)
puts response.read_body

{
  "data": {
    "client_secret": "<string>",
    "publishable_key": "<string>"
  }
}

{
  "error": {
    "code": "validation_failed",
    "message": "<string>"
  }
}

{
  "error": {
    "code": "validation_failed",
    "message": "<string>"
  }
}

Portal endpoints authenticate via the portal_session cookie issued by magic-link verification — not a Bearer API key. State-changing portal calls must additionally echo the portal_csrf cookie’s value in the X-CSRF-Token header (double-submit CSRF).

Creates a us_bank_account SetupIntent via Stripe Financial Connections for the authenticated portal customer (instant bank verification) and returns the client_secret the browser’s collectBankAccountForSetup confirms, plus the publishable key. Bank data goes browser → Stripe directly — none of it reaches Recurso. After the browser confirms the SetupIntent, finalize the saved account with POST /portal/api/payment-method/confirm. Returns 503 on deployments where Stripe/ACH is unavailable.

Example Request

curl -X POST "https://api.recurso.dev/portal/api/payment-method/bank-setup-intent" \
  -b "portal_session=$PORTAL_SESSION; portal_csrf=$CSRF_TOKEN" \
  -H "X-CSRF-Token: $CSRF_TOKEN"

Response

{
  "data": {
    "client_secret": "seti_1Tra..._secret_...",
    "publishable_key": "pk_live_..."
  }
}

For card updates use Start Card Update instead; both flows finalize through the same confirm endpoint.

Authorizations

portal_session

string

required

Customer-portal session cookie issued by GET /portal/auth/verify.

Response

Bank-account SetupIntent created.

data

object

Show child attributes

Start an ACH bank-account setup (Stripe Financial Connections)

curl --request POST \
  --url https://billing.example.com/portal/api/payment-method/bank-setup-intent \
  --cookie portal_session=

import requests

url = "https://billing.example.com/portal/api/payment-method/bank-setup-intent"

headers = {"cookie": "portal_session="}

response = requests.post(url, headers=headers)

print(response.text)

const options = {method: 'POST', headers: {cookie: 'portal_session='}};

fetch('https://billing.example.com/portal/api/payment-method/bank-setup-intent', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://billing.example.com/portal/api/payment-method/bank-setup-intent",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_COOKIE => "portal_session=",
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"net/http"
	"io"
)

func main() {

	url := "https://billing.example.com/portal/api/payment-method/bank-setup-intent"

	req, _ := http.NewRequest("POST", url, nil)

	req.Header.Add("cookie", "portal_session=")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

require 'uri'
require 'net/http'

url = URI("https://billing.example.com/portal/api/payment-method/bank-setup-intent")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["cookie"] = 'portal_session='

response = http.request(request)
puts response.read_body

{
  "data": {
    "client_secret": "<string>",
    "publishable_key": "<string>"
  }
}

{
  "error": {
    "code": "validation_failed",
    "message": "<string>"
  }
}

{
  "error": {
    "code": "validation_failed",
    "message": "<string>"
  }
}

Getting Started

Core

Billing & Invoicing

Revenue & Finance

Growth & Recovery

Compliance (India)

Platform

Customer Portal API

Start Bank Account Setup

Example Request

Response

Authorizations

Response

​Example Request

​Response

Authorizations

Response

Example Request

Response