Bank Accounts | BlindPay Docs

What is a bank account?

A bank account represents the recipient information to which BlindPay needs to send the fiat payment when a payout is started.

You can add multiple bank accounts for each receiver.

You are allowed to add third-party bank accounts, which means you can create a receiver "John" and add a bank account from "Jack".

Payment rails

Here are the payment rails that BlindPay supports:

Type	Country	Estimated time of arrival
international_swift	🌎 Global	~5 business days
ach	🇺🇸 United States	~2 business days
wire	🇺🇸 United States	~1 business day
rtp	🇺🇸 United States	instant
pix	🇧🇷 Brazil	instant
spei_bitso	🇲🇽 Mexico	instant
ach_cop_bitso	🇨🇴 Colombia	~1 business day
transfers_bitso	🇦🇷 Argentina	instant

High transaction volumes may affect BlindPay's estimated payout delivery times.

Adding a bank account

All data required to create a bank account should be valid, even for development instances.

Before creating a bank account, you need to:

Remember: replace YOUR_SECRET_TOKEN with your API key, in_000000000000 with your instance ID and re_000000000000 with your receiver ID which you created previously.

International SWIFT rules

Business accounts

business_industry (NAICS code) is required when the receiver or account class is "business".

Individual receivers

tax_id must be the local tax ID for the beneficiary's country (e.g. CPF for Brazil, SSN for the US). The system validates and formats it per country where required.

Phone number

phone_number is required when the beneficiary's country is one of: BR, CN, CO, HK, MY, MX, PH, UG, UY.

Tax ID

tax_id is required when the beneficiary's country is one of: AR, BY, BR, CL, CN, CO, CR, EC, GT, HN, JP, KZ, KR, MX, PK, PE, PH, RU, TH, UY.