An external account can have one of the following statuses, indicated by the status field.

An external account was created. The external account cannot send or receive funds.

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.

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Diagram

The below example 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.

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Webhook Example

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": "021000021",
            "account_holder_name": "John Doe",
            "status": "verified",
            "created_at": "2022-08-26T18:49:14.622818Z",
            "updated_at": "2022-08-26T18:50:02.399925Z"
        }
    }
 }

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