Adds support for handling tokenized bank account numbers
Nouveautés
Adds ways to help you manage tokenized bank account numbers (TANs) through the API. TANs are temporary bank account credentials issued by financial institutions instead of real account numbers, and can be used for ACH payments and payouts while they’re active. When a TAN is deactivated, through expiration or revocation, subsequent transfers using the bank account fail.
Financial Connections
Adds an account_numbers property to the Financial Connections Accounts to provide information about tokenized bank account numbers. This includes details about account number expiration dates and whether an account uses a tokenized account number (TAN).
We also introduce two new events to help you stay informed about account number changes:
- financial_connections.account.account_numbers_updated: We send this event when the account number information changes for a Financial Connections account.
- financial_connections.account.upcoming_account_number_expiry: We send this event when a tokenized account number is approaching its expiration date.
Payments and Topups
Adds a new enum value tokenized_ to the payment_method_us_bank_account_blocked.reason property. When a bank account becomes blocked, its tokenized account number (TAN) has been deactivated by the partner bank. The blocked_ property provides specific information to help you understand why the bank account can no longer be used as a payment method.
You can listen for the payment_method.automatically_updated event to be notified when this bank account becomes blocked as a payment method.
Virements
Adds a new value tokenized_ to the bank_account.status.
You can listen for the account.external_account.updated event to be notified when an external bank account’s status changes to tokenized_.
Impact
You can now identify when bank accounts connected through Financial Connections use tokenized account numbers and understand their status. This helps you proactively manage payment and payout failures that can occur when tokenized account numbers become deactivated.
If your integration processes ACH payments or payouts using Financial Connections accounts, you can use this information to prompt customers to reconnect their accounts before tokenized numbers expire, helping avoid failed transactions and associated fees.
The new events enable you to build automated workflows that notify customers or update your systems when account number information changes or when expiration is approaching.