Overview
When you create a payment account (POST /v1/payment-accounts), the required
bank-account fields depend on the destination currency and rail. This
page is the field-by-field reference for every supported currency/rail so you
know exactly what to send.
This page is a companion to Offramps with Transfers. Use it
to build the
externalFiatAccount object; the transfers guide covers the
end-to-end quote → transfer flow.400 response
names the specific missing field, which is always the authority if this page and
the API ever disagree.
Fields required for every rail
These apply to all currencies and rails unless noted otherwise:
Use the tables below to find the rail-specific fields you must send in
addition to the universal fields above.
Third-party accounts
SetthirdParty: true when you pay out to someone other than the account holder.
On most rails this changes nothing — you send the same fields as a first-party
account. Only the five rails below ask for extra beneficiary identification, and
only the fields named on that row are required. Every other field in this section
stays optional.
Rails with extra requirements
For anindividual beneficiary, send these in addition to the rail’s normal
fields from the tables further down:
For a
business beneficiary, the ID fields do not apply — only co_bre_b
requires anything extra, and that is beneficiaryMsisdn alone.
Field definitions
Definitions only — see the table above for which rails actually require these.Send national identifiers digits-only, without separators — a Brazilian CPF
goes as
31038403812, not 310.384.038-12.North America
United States (USD)
Mexico (MXN)
Canada (CAD)
South America
Brazil (BRL)
Colombia (COP)
For
co_bre_b, supply one of phoneNumber, email, or accountHandle.
Argentina (ARS)
Europe
Eurozone (EUR)
United Kingdom (GBP)
Africa
Egypt (EGP)
Kenya (KES)
Nigeria (NGN)
South Africa (ZAR)
Middle East
Saudi Arabia (SAR)
Asia-Pacific
India (INR)
Philippines (PHP)
Additional fields may be required depending on the transfer amount or specific
compliance requirements. When in doubt, submit the request — a
400 response
names any missing field. Contact your Rain representative for
corridor-specific requirements.Error Handling
Supported Fiat Currencies (Upon Request)
The following additional currencies are supported and available upon request:Contact your Rain representative to enable the above rails for your tenant.