Save one US account for both ACH and wire

Save two payees for the same US account, one per rail, and pay each on its own rail.

Use this recipe to save two payees for the same US account, one for each rail, and pay each payee on its own rail.

Who it is for. An accounts-payable app that pays a vendor by ACH for routine invoices and by wire for urgent ones.

Status. Available.

Money example

The vendor is Northwind Supply, with account number 000555777999 and routing number 021000021.
The app pays a routine invoice of 1,200.00 USD by ACH to payee A.
The app pays an urgent invoice of 25,000.00 USD by wire to payee B, which is the same account.

Before you start

You need everything in Pay a US bank account by ACH.

Find out what is required

For US payees, a duplicate has the same customer, account name, account number, routing number and rail. A different rail makes a different payee. First, list the payees that already exist:

curl --request GET \
 --url 'https://api.gravv.xyz/v1/external-accounts?customer_id=7c9e6679-7425-40de-944b-e07fc1f90ae7&search=000555777999' \
 --header 'Api-Key: <API_KEY>'

const response = await fetch("https://api.gravv.xyz/v1/external-accounts?customer_id=7c9e6679-7425-40de-944b-e07fc1f90ae7&search=000555777999", {
method: "GET",
headers: {
"Api-Key": process.env.GRAVV_API_KEY,
},
});
console.log(response.status, await response.json());

import os

import requests

response = requests.get(
"https://api.gravv.xyz/v1/external-accounts?customer_id=7c9e6679-7425-40de-944b-e07fc1f90ae7&search=000555777999",
headers={
    "Api-Key": os.environ["GRAVV_API_KEY"],
},
)
print(response.status_code, response.json())

The list has no status filter, so check status on each item. The API does not return a payee's rail, so match the ids against your own records.

Steps

1. Save payee A for ACH

curl --request POST \
 --url https://api.gravv.xyz/v1/external-accounts \
 --header 'Api-Key: <API_KEY>' \
 --header 'Content-Type: application/json' \
 --header 'Idempotency-Key: 11dada0c-ecc7-436f-9f1a-d46bc7eb86c3' \
 --data '
{
"customer_id": "7c9e6679-7425-40de-944b-e07fc1f90ae7",
"payee_type": "ach_wire",
"currency": "USD",
"account_name": "Northwind Supply Inc",
"account_number": "000555777999",
"routing_number": "021000021",
"payment_rail": "ach",
"account_owner_type": "business",
"bank_name": "JPMorgan Chase Bank",
"address": {
"address_line1": "80 Pine Street",
"city": "New York",
"state": "NY",
"postal_code": "10005",
"country": "US"
}
}
'

const response = await fetch("https://api.gravv.xyz/v1/external-accounts", {
method: "POST",
headers: {
"Api-Key": process.env.GRAVV_API_KEY,
"Content-Type": "application/json",
"Idempotency-Key": "11dada0c-ecc7-436f-9f1a-d46bc7eb86c3",
},
body: JSON.stringify({
"customer_id": "7c9e6679-7425-40de-944b-e07fc1f90ae7",
"payee_type": "ach_wire",
"currency": "USD",
"account_name": "Northwind Supply Inc",
"account_number": "000555777999",
"routing_number": "021000021",
"payment_rail": "ach",
"account_owner_type": "business",
"bank_name": "JPMorgan Chase Bank",
"address": {
  "address_line1": "80 Pine Street",
  "city": "New York",
  "state": "NY",
  "postal_code": "10005",
  "country": "US"
}
}),
});
console.log(response.status, await response.json());

import os

import requests

response = requests.post(
"https://api.gravv.xyz/v1/external-accounts",
headers={
    "Api-Key": os.environ["GRAVV_API_KEY"],
    "Content-Type": "application/json",
    "Idempotency-Key": "11dada0c-ecc7-436f-9f1a-d46bc7eb86c3",
},
json={
    "customer_id": "7c9e6679-7425-40de-944b-e07fc1f90ae7",
    "payee_type": "ach_wire",
    "currency": "USD",
    "account_name": "Northwind Supply Inc",
    "account_number": "000555777999",
    "routing_number": "021000021",
    "payment_rail": "ach",
    "account_owner_type": "business",
    "bank_name": "JPMorgan Chase Bank",
    "address": {
        "address_line1": "80 Pine Street",
        "city": "New York",
        "state": "NY",
        "postal_code": "10005",
        "country": "US",
    },
},
)
print(response.status_code, response.json())

The response is HTTP 202 with status pending. Store the id with its rail, for example {"payee_id": "a1f2…", "rail": "ach"}.

2. Save payee B for wire

Send the same body with "payment_rail": "wire" and a new Idempotency-Key:

curl --request POST \
 --url https://api.gravv.xyz/v1/external-accounts \
 --header 'Api-Key: <API_KEY>' \
 --header 'Content-Type: application/json' \
 --header 'Idempotency-Key: 762adba6-ce4b-4b4e-99d9-b5effc3e9336' \
 --data '
{
"customer_id": "7c9e6679-7425-40de-944b-e07fc1f90ae7",
"payee_type": "ach_wire",
"currency": "USD",
"account_name": "Northwind Supply Inc",
"account_number": "000555777999",
"routing_number": "021000021",
"payment_rail": "wire",
"account_owner_type": "business",
"bank_name": "JPMorgan Chase Bank",
"address": {
"address_line1": "80 Pine Street",
"city": "New York",
"state": "NY",
"postal_code": "10005",
"country": "US"
}
}
'

const response = await fetch("https://api.gravv.xyz/v1/external-accounts", {
method: "POST",
headers: {
"Api-Key": process.env.GRAVV_API_KEY,
"Content-Type": "application/json",
"Idempotency-Key": "762adba6-ce4b-4b4e-99d9-b5effc3e9336",
},
body: JSON.stringify({
"customer_id": "7c9e6679-7425-40de-944b-e07fc1f90ae7",
"payee_type": "ach_wire",
"currency": "USD",
"account_name": "Northwind Supply Inc",
"account_number": "000555777999",
"routing_number": "021000021",
"payment_rail": "wire",
"account_owner_type": "business",
"bank_name": "JPMorgan Chase Bank",
"address": {
  "address_line1": "80 Pine Street",
  "city": "New York",
  "state": "NY",
  "postal_code": "10005",
  "country": "US"
}
}),
});
console.log(response.status, await response.json());

import os

import requests

response = requests.post(
"https://api.gravv.xyz/v1/external-accounts",
headers={
    "Api-Key": os.environ["GRAVV_API_KEY"],
    "Content-Type": "application/json",
    "Idempotency-Key": "762adba6-ce4b-4b4e-99d9-b5effc3e9336",
},
json={
    "customer_id": "7c9e6679-7425-40de-944b-e07fc1f90ae7",
    "payee_type": "ach_wire",
    "currency": "USD",
    "account_name": "Northwind Supply Inc",
    "account_number": "000555777999",
    "routing_number": "021000021",
    "payment_rail": "wire",
    "account_owner_type": "business",
    "bank_name": "JPMorgan Chase Bank",
    "address": {
        "address_line1": "80 Pine Street",
        "city": "New York",
        "state": "NY",
        "postal_code": "10005",
        "country": "US",
    },
},
)
print(response.status_code, response.json())

3. Pay each payee on its own rail

Pay payee A with "rail": "ach" and payee B with "rail": "wire" inside destination, as in the ACH recipe and the wire recipe.

What can go wrong

Response	Why	Fix
400 `a recipient with the same account name, account number and bank already exists`, with `data.payee_id`	You sent the same rail twice, or an earlier payee on this rail exists, including `deleted` and `setup_failed` payees	Use `data.payee_id`. If it is `setup_failed`, fix it
422 `idempotency_key_reused` on step 2	You reused the key from step 1 with a changed body	Use a new key for each payee
400 `this payee is registered for ach transfers, not wire — initiate on rail "ach", or add a payee on the wire rail`	You paid payee A on the wire rail	Pay payee B instead, or save payee B first
The API accepts two payees for the same vendor with different name spellings	The name is part of the duplicate check	Normalize names on your side