Update external account

PATCH/external-accounts/{externalAccountId}

Make an account primary for its currency, ask the bank to verify it, or remove it. Every arm names the merchant, because the platform cannot resolve one from the account.

3 actionsXaccUpdateRemoveXaccUpdateSetPrimaryXaccUpdateVerify

Permissions

Required permission

merchantFinancials:update

Requires the `update` action on `merchantFinancials` for the supplied runtime context

Path parameters

externalAccountIdstring

required

Request body

This body is a typed union. Pick a variant to see its fields and a matching example.

Discriminated by type

type = "XaccUpdateRemove"

merchantIdMchtIdrequired

Identifier of a merchant.

Example mcht_9f2Kd8QpLzXw

curl -X PATCH https://api.tst.au.apgpay.dev/external-accounts/{externalAccountId} \
  -H "Authorization: Bearer $API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
  "type": "XaccUpdateRemove",
  "merchantId": "mcht_9f2Kd8QpLzXw"
}'

Responses

The response is a tagged shape: type is always "XaccUpdateRspAttributes". Switch on it; subtypes can be added, and a client that already reads it will not break.

Discriminated by type

type = "XaccUpdateRspAttributes"

The resource as it stands after the change.

typeenumrequired

XaccViewAttributes

externalAccountIdXaccIdrequired

Identifier of an external account.

Example xacc_9f2Kd8QpLzXw

merchantIdMchtIdrequired

Identifier of a merchant.

Example mcht_9f2Kd8QpLzXw

referencestring

The merchant's own reference for this account. Unique per merchant, and how a merchant's own systems name it.

Example your-own-reference

accountNamestring

Name of the person or business that holds the account. Absent on accounts recorded before the field existed.

Example Ada Lovelace

bankNamestring

Name of the financial institution.

Example Ada Lovelace

routingNumberstringrequired

Bank-state-branch for Australian accounts, routing number elsewhere. Blank for New Zealand.

last4stringrequired

Last four digits of the account number. The full number is never returned.

Example 4242

countrystringrequired

Two-letter country code the account is held in.

Example AU

currencyIsoCurrencyrequired

AFNDZDARSAMDAWGAUDAZNBSDBHDTHB

+156 more

PAB, BBD, BYR, BZD, BMD, VEF, BOB, BRL, BND, BGN, BIF, CAD, CVE, KYD, XOF, XAF, XPF, CLP, COP, KMF, CDF, BAM, NIO, CRC, HRK, CUP, CZK, GMD, DKK, MKD, DJF, STD, DOP, VND, XCD, EGP, SVC, ETB, EUR, FKP, FJD, HUF, GHS, GIP, HTG, PYG, GNF, GYD, HKD, UAH, ISK, INR, IRR, IQD, JMD, JOD, KES, PGK, LAK, KWD, MWK, AOA, MMK, GEL, LBP, ALL, HNL, SLL, LRD, LYD, SZL, LSL, MGA, MYR, MUR, MXN, MXV, MDL, MAD, MZN, BOV, NGN, ERN, NAD, NPR, ANG, ILS, TWD, NZD, BTN, KPW, NOK, PEN, MRU, PKR, MOP, TOP, CUC, UYU, PHP, GBP, BWP, QAR, GTQ, ZAR, OMR, KHR, RON, MVR, IDR, RUB, RWF, SHP, SAR, RSD, SCR, SGD, SBD, KGS, SOS, TJS, SSP, LKR, SDG, SRD, SEK, CHF, SYP, BDT, WST, TZS, KZT, TTD, MNT, TND, TRY, TMT, AED, UGX, COU, CLF, UYI, USD, USN, USS, UZS, VUV, CHE, CHW, KRW, YER, JPY, CNY, ZMW, ZWL, PLN

statusXaccStatusrequired

PendingActiveBlockedDeletedUnknown

blockReasonstring

Why the account was blocked. Present only when status is Blocked, and this is what to show a merchant whose payouts have stopped.

Example Requested by the customer.

primarybooleanrequired

Whether payouts in this currency go to this account. Derived by comparing against the merchant's primary.

Example true

verifiedboolean

Whether verification succeeded. Absent where the merchant's policy does not verify accounts at all.

Example true

What the bank said about the name on the account. Present only where the merchant's policy returns it.

createdAtstring (date-time)required

Example 2026-08-19T04:21:07Z

updatedAtstring (date-time)required

Example 2026-08-19T04:21:07Z

Example

{
  "type": "XaccUpdateRspAttributes",
  "updated": {
    "type": "XaccViewAttributes",
    "externalAccountId": "xacc_9f2Kd8QpLzXw",
    "merchantId": "mcht_9f2Kd8QpLzXw",
    "reference": "your-own-reference",
    "accountName": "Ada Lovelace",
    "bankName": "Ada Lovelace",
    "routingNumber": "string",
    "last4": "4242",
    "country": "AU",
    "currency": "AUD",
    "status": "Pending",
    "blockReason": "Requested by the customer.",
    "primary": true,
    "verified": true,
    "verification": {
      "type": "XaccVerificationAttributes",
      "outcome": "Match",
      "matchedName": "Ada Lovelace",
      "message": "string",
      "provider": "string",
      "failureMessage": "string",
      "verifiedAt": "2026-08-19T04:21:07Z"
    },
    "createdAt": "2026-08-19T04:21:07Z",
    "updatedAt": "2026-08-19T04:21:07Z"
  }
}

Error responses

statusCodeinteger (int32)required

HTTP status code for this error

errorCodestringrequired

An APG Pay code providing a brief explanation of the underlying error. Use this if you wish to provide custom behaviour based on the error type.

messagestringrequired

Human readable description of the error

tracerstring

An unique identifier for the request. Provide this to the support team if you wish to query a particular error.

detailstring

Optional additional details for the error.

errorTypeDescriptionstring

A description of the category of errors for the given statusCode.

metadataobject

Optional key value list of metadata

Example response

{
  "statusCode": 100,
  "errorCode": "string",
  "message": "string",
  "tracer": "string",
  "detail": "string",
  "errorTypeDescription": "string"
}

statusCodeinteger (int32)required

HTTP status code for this error

errorCodestringrequired

An APG Pay code providing a brief explanation of the underlying error. Use this if you wish to provide custom behaviour based on the error type.

messagestringrequired

Human readable description of the error

tracerstring

An unique identifier for the request. Provide this to the support team if you wish to query a particular error.

detailstring

Optional additional details for the error.

errorTypeDescriptionstring

A description of the category of errors for the given statusCode.

metadataobject

Optional key value list of metadata

Example response

{
  "statusCode": 100,
  "errorCode": "string",
  "message": "string",
  "tracer": "string",
  "detail": "string",
  "errorTypeDescription": "string"
}

statusCodeinteger (int32)required

HTTP status code for this error

errorCodestringrequired

An APG Pay code providing a brief explanation of the underlying error. Use this if you wish to provide custom behaviour based on the error type.

messagestringrequired

Human readable description of the error

tracerstring

An unique identifier for the request. Provide this to the support team if you wish to query a particular error.

detailstring

Optional additional details for the error.

errorTypeDescriptionstring

A description of the category of errors for the given statusCode.

metadataobject

Optional key value list of metadata

Example response

{
  "statusCode": 100,
  "errorCode": "string",
  "message": "string",
  "tracer": "string",
  "detail": "string",
  "errorTypeDescription": "string"
}

statusCodeinteger (int32)required

HTTP status code for this error

errorCodestringrequired

An APG Pay code providing a brief explanation of the underlying error. Use this if you wish to provide custom behaviour based on the error type.

messagestringrequired

Human readable description of the error

tracerstring

An unique identifier for the request. Provide this to the support team if you wish to query a particular error.

detailstring

Optional additional details for the error.

errorTypeDescriptionstring

A description of the category of errors for the given statusCode.

metadataobject

Optional key value list of metadata

Example response

{
  "statusCode": 100,
  "errorCode": "string",
  "message": "string",
  "tracer": "string",
  "detail": "string",
  "errorTypeDescription": "string"
}

statusCodeinteger (int32)required

HTTP status code for this error

errorCodestringrequired

An APG Pay code providing a brief explanation of the underlying error. Use this if you wish to provide custom behaviour based on the error type.

messagestringrequired

Human readable description of the error

tracerstring

An unique identifier for the request. Provide this to the support team if you wish to query a particular error.

detailstring

Optional additional details for the error.

errorTypeDescriptionstring

A description of the category of errors for the given statusCode.

metadataobject

Optional key value list of metadata

Example response

{
  "statusCode": 100,
  "errorCode": "string",
  "message": "string",
  "tracer": "string",
  "detail": "string",
  "errorTypeDescription": "string"
}

statusCodeinteger (int32)required

HTTP status code for this error

errorCodestringrequired

An APG Pay code providing a brief explanation of the underlying error. Use this if you wish to provide custom behaviour based on the error type.

messagestringrequired

Human readable description of the error

tracerstring

An unique identifier for the request. Provide this to the support team if you wish to query a particular error.

detailstring

Optional additional details for the error.

errorTypeDescriptionstring

A description of the category of errors for the given statusCode.

metadataobject

Optional key value list of metadata

Example response

{
  "statusCode": 100,
  "errorCode": "string",
  "message": "string",
  "tracer": "string",
  "detail": "string",
  "errorTypeDescription": "string"
}

statusCodeinteger (int32)required

HTTP status code for this error

errorCodestringrequired

An APG Pay code providing a brief explanation of the underlying error. Use this if you wish to provide custom behaviour based on the error type.

messagestringrequired

Human readable description of the error

tracerstring

An unique identifier for the request. Provide this to the support team if you wish to query a particular error.

detailstring

Optional additional details for the error.

errorTypeDescriptionstring

A description of the category of errors for the given statusCode.

metadataobject

Optional key value list of metadata

Example response

{
  "statusCode": 100,
  "errorCode": "string",
  "message": "string",
  "tracer": "string",
  "detail": "string",
  "errorTypeDescription": "string"
}

statusCodeinteger (int32)required

HTTP status code for this error

errorCodestringrequired

An APG Pay code providing a brief explanation of the underlying error. Use this if you wish to provide custom behaviour based on the error type.

messagestringrequired

Human readable description of the error

tracerstring

An unique identifier for the request. Provide this to the support team if you wish to query a particular error.

detailstring

Optional additional details for the error.

errorTypeDescriptionstring

A description of the category of errors for the given statusCode.

metadataobject

Optional key value list of metadata

Example response

{
  "statusCode": 100,
  "errorCode": "string",
  "message": "string",
  "tracer": "string",
  "detail": "string",
  "errorTypeDescription": "string"
}

statusCodeinteger (int32)required

HTTP status code for this error

errorCodestringrequired

An APG Pay code providing a brief explanation of the underlying error. Use this if you wish to provide custom behaviour based on the error type.

messagestringrequired

Human readable description of the error

tracerstring

An unique identifier for the request. Provide this to the support team if you wish to query a particular error.

detailstring

Optional additional details for the error.

errorTypeDescriptionstring

A description of the category of errors for the given statusCode.

metadataobject

Optional key value list of metadata

Example response

{
  "statusCode": 100,
  "errorCode": "string",
  "message": "string",
  "tracer": "string",
  "detail": "string",
  "errorTypeDescription": "string"
}

statusCodeinteger (int32)required

HTTP status code for this error

errorCodestringrequired

An APG Pay code providing a brief explanation of the underlying error. Use this if you wish to provide custom behaviour based on the error type.

messagestringrequired

Human readable description of the error

tracerstring

An unique identifier for the request. Provide this to the support team if you wish to query a particular error.

detailstring

Optional additional details for the error.

errorTypeDescriptionstring

A description of the category of errors for the given statusCode.

metadataobject

Optional key value list of metadata

Example response

{
  "statusCode": 100,
  "errorCode": "string",
  "message": "string",
  "tracer": "string",
  "detail": "string",
  "errorTypeDescription": "string"
}

statusCodeinteger (int32)required

HTTP status code for this error

errorCodestringrequired

An APG Pay code providing a brief explanation of the underlying error. Use this if you wish to provide custom behaviour based on the error type.

messagestringrequired

Human readable description of the error

tracerstring

An unique identifier for the request. Provide this to the support team if you wish to query a particular error.

detailstring

Optional additional details for the error.

errorTypeDescriptionstring

A description of the category of errors for the given statusCode.

metadataobject

Optional key value list of metadata

Example response

{
  "statusCode": 100,
  "errorCode": "string",
  "message": "string",
  "tracer": "string",
  "detail": "string",
  "errorTypeDescription": "string"
}

statusCodeinteger (int32)required

HTTP status code for this error

errorCodestringrequired

An APG Pay code providing a brief explanation of the underlying error. Use this if you wish to provide custom behaviour based on the error type.

messagestringrequired

Human readable description of the error

tracerstring

An unique identifier for the request. Provide this to the support team if you wish to query a particular error.

detailstring

Optional additional details for the error.

errorTypeDescriptionstring

A description of the category of errors for the given statusCode.

metadataobject

Optional key value list of metadata

Example response

{
  "statusCode": 100,
  "errorCode": "string",
  "message": "string",
  "tracer": "string",
  "detail": "string",
  "errorTypeDescription": "string"
}