Receiving Accounts

Overview

Receiving accounts let your accountholders receive local bank transfers in the currencies they need. Use the flows below to create receiving accounts for an account_id and to retrieve the ones that already exist.

Create receiving accounts

Use this flow to request receiving accounts for an account_id so accountholders can receive local bank transfers in the currencies they need. Each created account exposes bank details (for example IBAN, BIC, or local routing) returned in the API response for display or payout instructions.

Present the option on your platform

Offer registered Payoneer accountholders on your platform a way to generate receiving accounts for the currencies they require (for example from account settings or a treasury screen).

Call Create Receiving Account

Call POST /v4/accounts/{account_id}/receiving_account to create receiving bank details for the account holder for the requested currency.

Example (sandbox):

curl -X POST \
https://api.sandbox.payoneer.com/v4/accounts/{account_id}/receiving_account \
-H 'Content-Type: application/json' \
-H 'Accept: application/json' \
-H 'Authorization: Bearer MXVNd2NTcTBlTi94NkZC…' \
-d '{
    "currency": "EUR"
}'

Process the response

Handle the JSON response: persist result.id, currency, status, and map details name/value pairs to your UI (bank name, BIC, account number, etc.). Additional detail fields may be returned depending on currency and program.

Example response shape:

{
    "result": {
        "id": "571494",
        "currency": "EUR",
        "nickname": "",
        "status": "1",
        "status_description": "Enabled",
        "details": [
            {
                "name": "BankName",
                "value": "Wirecard"
            },
            {
                "name": "BIC",
                "value": "WIREDEMM"
            }
        ]
    }
}

Get receiving accounts

Use this flow to retrieve all receiving accounts linked to an account_id — including currency, status, and bank details — so you can display them in your app or reconcile them with your records.

Call Get Receiving Accounts

Call GET /v4/accounts/{account_id}/receiving_accounts with the user's bearer token and account_id from your consent flow.

Example (sandbox):

curl -X GET \
https://api.sandbox.payoneer.com/v4/accounts/{account_id}/receiving_accounts \
-H 'Accept: application/json' \
-H 'Content-Type: application/json' \
-H 'Authorization: Bearer MXVNd2NTcTBlTi94NkZC…'

Process the response

Read result.items for each receiving account. Each item includes id, currency, status, and nested details.items name/value pairs (bank name, routing, etc.). Use result.total and per-account detail counts as documented.

Example response:

{
    "result": {
        "items": [
            {
                "id": "1227328",
                "currency": "USD",
                "nickname": "",
                "status": "1",
                "status_description": "Enabled",
                "details": {
                    "items": [
                        {
                            "name": "BankName",
                            "value": "First Century Bank"
                        },
                        {
                            "name": "RoutingABA",
                            "value": "061120084"
                        },
                        {
                            "name": "AccountNumber",
                            "value": "4018916222220"
                        },
                        {
                            "name": "AccountType",
                            "value": "CHECKING"
                        },
                        {
                            "name": "BeneficiaryName",
                            "value": "Anduin Wrynn"
                        }
                    ],
                    "total": 5
                }
            }
        ],
        "total": 1
    }
}

For full request and response details — paths, parameters, and field names — see the API reference guide.