Introduction

In order to create Wire transactions, you will need to link an external account (i.e. the wire's recipient) to the sender's account in our system (e.g. to a <<account_depositUS>> node held by the sender). Doing so successfully will create either a WIRE-US node (for domestic wires) or a WIRE-INT node (for international wires) in our system. You will then be able to input the created node either to send a domestic wire payload or to send an international wire payload when you wish to wire funds to the linked account.

The methods for linking an external account for wires will differ slightly between domestic and international wires.

Linking to an External Account for Domestic Wires

To add a wire payment recipient for an domestic wire, you will need:

the Account Number associated with the recipient's bank
the Routing Number associated with the recipient's bank
Address of the receiving bank
Name of the receiving bank
Routing Number of the receiving bank

Refer to Link Wire Account (Domestic) for more details.

Verifying Routing Number

You can use our Verify Routing Number API call to check if a routing number is valid.

Note for Domestic Wires

The name on a domestic wire will be "FBO Synapse Users"

Linking to an External Account for International Wires

To add a wire payment recipient for an international wire, you will need

the Account Number associated with the recipient's bank
- (Optional) Routing Number associated with the recipient's bank
the SWIFT Code associated with the recipient's bank.
Address of the receiving bank
Name of the receiving bank
Routing Number of the receiving bank

Refer to Link Wire Account (International) for more details.

Note on Reported Balance for Wire Nodes

By default, a wire node (i.e. a WIRE-US or a WIRE-INT node) will only receive CREDIT permission. Further, the balance amount on a wire node will stay at 0 in the response body because we don't receive balance information from the external account when connecting via AC/RT numbers. This means sending money to and from the wire node will not change the balance.

Linking Wire Accounts