Frequently Asked Questions

I need some help getting started with my api subscription, do you have any resources for working with the API available?

Yes! We have resources available to help you get up and running with your API subscription. Whether you're looking for authentication details, endpoints, or best practices for integration, our Getting Started page provides everything you need to begin working with the API.

Visit our Getting Started page for step-by-step instructions on setting up your API access, making your first API call, and troubleshooting common issues.

If you need further assistance, feel free to reach out to our support team.

I have other accts at other banks, can the APIs interact with their information too? or is the APIs just for BankProv accounts?

BankProv's APIs are specifically designed to interact with BankProv accounts only. They do not have direct access to accounts at other financial institutions. However, customers can store external accounts as counterparties within BankProv's platform, making it easier to transact between their accounts at different banks.

If you want to view and manage all your accounts (BankProv + other banks) in one place, you would need to build or use an application that integrates with multiple banks' APIs. For example, if they have accounts at both BankProv and another institution with an API, you could develop an application that connects to both. This would allow you to create a single-pane-of-glass view to monitor and move funds between all accounts from one interface.

I already pay have Quickbooks, what do I need BankProv's APIs for?

QuickBooks is great for basic bank transaction tracking, but it is limited in functionality and is not a real-time system. It also cannot initiate payments or transfers directly from BankProv, costs per ach pull transaction start at 1% of the amount transferred!BankProv’s API provides real-time transaction visibility, full payment origination capabilities, and webhooks for instant updates—giving businesses much greater control over their financial operations.

QuickBooks Bank Feed

A QuickBooks bank feed provides a basic integration that automatically imports transactions from a bank account into QuickBooks. However, it has several limitations:

  • Limited Transaction Details – QuickBooks only pulls in basic transaction data, often lacking important details like payment remittance information or extended descriptions that BankProv’s API can provide.

  • Read-Only Access – It is primarily a one-way sync, meaning QuickBooks can retrieve transactions, but it cannot initiate payments, transfers, or wires through BankProv.

  • No Direct Payment Origination – If a business uses QuickBooks Payments, those transactions are processed through QuickBooks' payment system, not directly through BankProv. Even if the funds are coming from or settling into a BankProv account, QuickBooks is the intermediary in the transaction.

  • No Internal Transfers or Wires – QuickBooks does not support BankProv’s internal transfers or wire payments. If a customer wants to move money between their BankProv accounts or send a wire, they must log into BankProv directly or use BankProv’s API.

  • No Real-Time Updates or Webhooks – QuickBooks relies on periodic transaction downloads, meaning there is no real-time visibility into account activity. If a payment clears or a balance changes, users have to wait for QuickBooks to refresh.

BankProv API

BankProv’s API provides a much more robust and real-time integration for businesses looking to directly interact with their BankProv accounts:

  • Full Transaction Visibility – The API delivers detailed transaction data, including metadata that is often missing from QuickBooks feeds.

  • Initiate Payments and Transfers – Unlike QuickBooks, BankProv’s API allows businesses to originate ACH payments, internal transfers, and wire transfers directly from their systems.

  • Real-Time Payment Updates via Webhooks – The API supports webhooks that notify businesses immediately when a payment is received, a wire is sent, or a balance changes—rather than waiting for periodic syncs like in QuickBooks.

  • Better Automation and Control – Customers can automate transactions, reconcile payments in real-time, and embed banking functions into their own applications for a seamless financial experience.

  • No Third-Party Intermediary – Payments originate directly from BankProv, rather than being routed through QuickBooks’ payment processor so you get a predictable cost per transaction.

How do I authenticate API requests?

To authenticate API requests, you must use an API Key and Secret. API keys are generated through the BankProv developer portal and must be included in the request header as a Bearer Token. Please refer to our Authentication Guide for details on generating and using API keys securely.

Can I schedule payments or transfers via the API?

Yes! The BankProv API allows you to schedule ACH transfers, wires, and internal transfers for a future date using the effectiveDate field when submitting a payment request. This enables businesses to automate recurring payments without manual intervention.

Can I retrieve real-time balance updates?

Yes! You can use the Account Balance API to retrieve real-time balance information for your BankProv accounts. Additionally, you can set up webhooks to receive instant notifications when your balance changes due to deposits, withdrawals, or payments.

What happens if a payment fails?

If a payment fails, the API will return an error response indicating the reason (e.g., insufficient funds, invalid counterparty details, or compliance-related issues). You can also use webhooks to get real-time notifications about failed transactions and take action accordingly.

Take a look at our Error Codes page for more details on why something was rejected.

How do I handle payment reconciliation?

To reconcile payments, you can use:

  • The Transaction API to retrieve a list of all incoming and outgoing transactions.

  • The Webhook Event API to receive instant updates on payment statuses. By integrating these features, you can automate reconciliation processes within your accounting or ERP system.

Where do I get my sourceAccountId?

When you first connect to the api you will need to use the Account List operation to get a list of GUID values that correspond to your bank accounts.

What paymentSubType should I use for ACH transactions?

As part of onboarding you will be granted access to specific SEC codes for ACH based on your use case. See our ACH Originator Guide for more details.

What Company_Name do I use? CompanyIdType? CompanyId

These fields are only for "third party senders", it does not need to be provided for Corporate API originators.

How can I provide counterparty information in a payment?

You can provide counterparty details like accountNumber, routingNumber, etc. either as a prestep to submitting a payment OR at the time of the payment. If you create counterparties ahead of time additional validation will occur to ensure the transaction will be successful.

I have questions about ACH Payment Type what do I use credit or debit?

TransactionType can be either "debit" or "credit," and it depends on the type of ACH transaction:

  • ACH Debit: This transaction type drafts funds from an external account into your account. From your perspective, it means you are pulling money from another party’s account.

  • ACH Credit: This transaction type sends funds from your account to another account. From your perspective, it means you are pushing money to another party’s account.

In the NACHA (National Automated Clearing House Association) context:

  • Debit: Initiates the withdrawal of funds from an external account.

  • Credit: Initiates the deposit of funds into an external account.