External Accounts

External Account Statuses

In Deliver, an external account can have one of the following statuses, indicated by the status field.

• Created: An external account was created. The external account cannot send or receive funds.
• Verified: An external account passed verification. The external account can send or receive funds.
• Rejected: An external account did not pass verification. The external account cannot send or receive funds.
• Restricted: An external account was matched against a sanctions watchlist. The external account cannot send or receive funds.
• Closed: An external account has been soft deleted from Orum’s platform (this action can only be completed by the Orum team). The closed external account cannot send or receive funds.

Note: If you are using your own account verification provider (BYO-AVS), all external accounts you create will automatically have a Verified status, and the POST API response will return the external account with a status of "verified".

The diagram below shows how an external account can move through the above statuses. Note that an external account can move from "verified" to "restricted" if an external account matches a sanctions list anytime after its initial verification.

Example Webhook Payload

Deliver sends webhooks to notify you of changes to an external account’s status.

{
    "event_id": "317c6916-6518-4492-be67-91fac4637629",
    "event_type": "external_account_verified",
    "created_at": "2022-08-26T18:50:27.671Z",
    "event_data": {
        "external_account": {
            "id": "4c8f7e72-092e-4621-8cf8-4774915eaf01",
            "account_reference_id": "ab76d-9363bd-s27d",
            "account_type": "checking",
            "account_number": "012345678",
            "routing_number": "1234567890",
            "account_holder_name": "John Doe",
            "status": "verified",
            "created_at": "2022-08-26T18:49:14.622818Z",
            "updated_at": "2022-08-26T18:50:02.399925Z"
        }
    }
 }