Manual Account Linking

POST /0.2/link_account HTTP/1.1
Host: sandbox.silamoney.com
// if using OAuth2
Authorization: Bearer [GENERATED JWT TOKEN HERE]
// if using ECDSA
authsignature: [GENERATED AUTHSIGNATURE HEX STRING HERE]
usersignature: [GENERATED USERSIGNATURE HEX STRING HERE]
Content-Type: application/json    

{
  "header": {
    "created": 1234567890, 
    "app_handle": "app_handle", 
    "user_handle":"user_handle", 
    "version": "0.2", 
    "reference": "ref"
  }, 
  "account_number": "123456789012", // required
  "routing_number": "123456789", // required
  "account_type": "CHECKING",
  "account_name": "Custom Account Name",
  "ach_credit_enabled": true/false,
  "ach_debit_enabled": true/false
}

***

HTTP/1.1 200 OK

{
  "success": true,
  "message": "Bank account successfully linked.",
  "reference": "ref",
  "account_name": "Custom Account Name",
  "payment_instrument_id": "<uuid>",
  "provider": "manual",
  "web_debit_verified": true,
  "capabilities": {
      "aba_routing_number": "<routing_number>",
      "fednow": {
          "credit_enabled": false,
          "debit_enabled": false
      },
      "rtp": {
         "credit_enabled": true,
         "debit_enabled": true
      }
  },
  "status": "SUCCESS",
  "sila_reference_id": "auto-generated uuid"
}

// Direct account-linking flow for receive-only entities only 
// Restricted by use-case, contact Sila for approval
const res = await Sila.linkAccountDirect(
  userHandle,
  walletPrivateKey,
  accountNumber,
  routingNumber,
  accountName,
  accountType,
); // Account Type and Account Name parameters are not required

//The only permitted account type is "CHECKING"

// Success Response Object
console.log(res.statusCode); // 200
console.log(res.data.reference); // Random reference number
console.log(res.data.status); // SUCCESS
console.log(res.data.success);
console.log(res.data.message); // Bank account successfully linked
console.log(res.data.account_name);
console.log(res.data.match_score);
console.log(res.data.account_owner_name);
console.log(res.data.entity_name);

### Direct account-linking flow for receive-only entities only 
### Restricted by use-case, contact Sila for approval
payload={
            "user_handle": "user.silamoney.eth",    # Required
            "account_number": "123456789012",       # Required
            "routing_number": "123456789",          # Required
            "account_type": "CHECKING",             # Optional (default value is CHECKING)
            "account_name": "Custom Account Name"   # Optional (default value is "default"),
        }

User.linkAccount(silaApp,payload,user_private_key)

### Success Response Object
{
    status: 'SUCCESS',
    success: True,
    message: 'Bank account successfully manually linked.',
    reference: 'f9f23fc2-26e7-4358-99c8-75cb8aec76fb',
    account_name: 'default',
    status_code: 200,
    match_score: 0.825,
    account_owner_name: 'Sally Smith',
    entity_name: 'Sally Smith'
}

### Failure Response Object
{
    status: 'FAILURE'
}

//NOTE - as of Java SDK v0.2.21, we have refactored requests to make them more flexible 
//for future modifications.  Below are examples of the new method and the original method.  
//The original method will be deprecated at some point in future SDK versions, but is 
//still valid for backwards compatibility purposes.  Please use the new method moving 
//forward as you upgrade your SDK


// Direct account-linking flow for receive-only entities only 
// Restricted by use-case, contact Sila for approval
LinkAccountRequest request = LinkAccountRequest.builder()
    .accountName("default")
    .accountNumber("123456789012")
    .routingNumber("123456789")
    .accountType("CHECKING")
    .userHandle("user handle")
    .userPrivateKey("user private key")
    .build();

LinkAccountResponse response = LinkAccount.send(request);

response.getStatus();
response.getAccountName();
response.getMessage();
response.getReference();

//--------------------------------------------

//This is the original method (still valid but will soon be deprecated)

// Direct account-linking flow for receive-only entities only 
// Restricted by use-case, contact Sila for approval
String userHandle = 'user.silamoney.eth';
String accountName = 'direct'; // Your desired account name
String accountNumber = '123456789012';
String routingNumber = '123456789';
String accountType = 'CHECKING'; // Currently the only allowed value
String userPrivateKey = 'some private key';

ApiResponse response = api.linkAccount(userHandle, userPrivateKey, accountName, accountNumber, routingNumber, accountType);

// Success Response
System.out.println(response.getStatusCode()); // 200
LinkAccountResponse parsedResponse = (LinkAccountResponse) response.getData();
System.out.println(parsedResponse.getStatus()); // SUCCESS
System.out.println(parsedResponse.isSuccess()); // true
System.out.println(parsedResponse.getReference()); // Reference number
System.out.println(parsedResponse.getMessage()); // Successfully linked
System.out.println(parsedResponse.getAccountName()); // Your desired account name
System.out.println(parsedResponse.getMatchScore()); // Match score

// Direct account-linking flow for receive-only entities only 
// Restricted by use-case, contact Sila for approval
$userHandle = 'user.silamoney.eth';
$accountName = 'Custom Account Name'; // Defaults to 'default' if not provided. (not required)
$routingNumber = '123456789'; // The routing number. 
$accountNumber = '123456789012'; // The bank account number
$userPrivateKey = 'some private key'; // The private key used to register the specified user
$accountType = 'CHECKING'; // The account type (not required). Only available value is CHECKING

// Call the api
$response = $client->linkAccountDirect($userHandle, $userPrivateKey, $accountNumber, $routingNumber, $accountName, $accountType);

// Success 200
echo $response->getStatusCode(); // 200
echo $response->getData()->getStatus(); // SUCCESS
echo $response->getData()->getReference();
echo $response->getData()->getMessage();
echo $response->getData()->getAccountName();
echo $response->getData()->getAccountOwnerName();

//NOTE - as of C# SDK v0.2.21, we have refactored requests to make them more flexible 
//for future modifications.  Below are examples of the new method and the original method.  
//The original method will be deprecated at some point in future SDK versions, but is 
//still valid for backwards compatibility purposes.  Please use the new method moving 
//forward as you upgrade your SDK


// Direct account-linking flow for receive-only entities only 
// Restricted by use-case, contact Sila for approval
LinkAccountRequest request = new LinkAccountRequest{
    UserHandle = "user handle",
    UserPrivateKey = "user private key",
    AccountName = "account name",
    AccountNumber = "account number",
    RoutingNumber = "routing number",
    AccountType = "account type"
};

LinkAccountResponse response = LinkAccount.Send(request);

response.Success;
response.Account;
response.AccountOwnerName;
response.Message;
response.Reference;
response.Status;
response.MatchScore; Account Type and Account Name parameters are not required 

//--------------------------------------
//This is the original method (still valid but will soon be deprecated)

// Direct account-linking flow for receive-only entities only 
// Restricted by use-case, contact Sila for approval
ApiResponse<object> response = api.LinkAccountDirect(userHandle, walletPrivateKey, accountNumber, routingNumber, accountType, accountName); // Account Type and Account Name parameters are not required 

// Success Response Object

Console.WriteLine(response.StatusCode); // 200
Console.WriteLine(((LinkAccountResponse)response.Data).Reference); // Random reference number
Console.WriteLine(((LinkAccountResponse)response.Data).Status); // SUCCESS
Console.WriteLine(((LinkAccountResponse)response.Data).Message); // Bank account successfully linked.
Console.WriteLine(((LinkAccountResponse)response.Data).AccountName); // Account Name.
Console.WriteLine(((LinkAccountResponse)response.Data).MatchScore);