The Account Object

The Account represents a real bank account and can be created in any currency supported on the Merge platform. Accounts have unique bank details like sort code, account number, and IBAN. These accounts can hold balances, enable transactions to receive funds, and issue payouts.

The Account object is composed of the attributes listed below:

id string
The unique identifier (UUID) of the account.
Example: af221980-450b-11ed-b878-0242ac120002

balance string
The available balance of the account that can be used to make payouts.
Example: 1000.00

currency enum
The currency used to make operations with the account based on the three-letter ISO 4217 code.
Possible enum values: GBP or EUR

account_number string
Account number associated with the bank account.
Example: 12345678

sort_code string
The sort code associated with your GBP account. It is a 6-digit number that identifies both the bank (in the first digit or the first two digits) and the branch where the account is held.
Example: 000000

iban string
The International Bank Account Number (IBAN), associated with your EUR account. The IBAN number consists of a two-letter country code, followed by two check digits, and up to thirty-five alphanumeric characters. This attribute is only mandatory for EUR accounts.
Example: GB60MOCK00000002166663

bic string
The business identifier code (BIC) associated with your EUR account. The BIC is an 8 to 11-character code consisting of the business party prefix (four alphanumeric), the country code (two alphabetic), and the business party suffix. This attribute is optional for EUR accounts.
Example: MOCKGB21

type enum
The fiat account type. It can be main_account or customer_account. Only one main_account is provisioned per currency and created when the currency is enabled for the business. The business can create multiple customer_type accounts for managing its internal operations or for its own end customers.
Possible enum values: main_account and customer_account

status enum
The current status of the account. Check the Account Statuses to get more details about each status.
Possible enum values: pending, active, blocked, or closed

account_name string
The name by which the bank account is identified. This is the name that will appear on the recipient's statement when payments are sent from this account.
Example: ABC Ltd

client_account_name string
The alias name by which the account is identified on the Merge platform.
Example: Payroll

client_reference string
The reference associated with the client that you are creating the account for.
Example: Merge

member_id string
The unique identifier of the associated member.
Example: af221980-450b-11ed-b878-0242ac120002

member_type string
The type of the associated member, the value can be business or linked_individual.
Possible values: business or linked_individual

features array of objects
List of feature flags associated with the account. Each object contains:

name string — The feature key (e.g. pi_reversal_enabled).
description string — Human-readable description of what the feature does.
enabled boolean — Whether this feature is currently enabled for the account.

Account Statuses

For creating a bank account, it is necessary to generate bank details with the underlying banking provider. The Merge platform creates bank accounts in real time with immediate activation. However, at times it is possible that the bank details still need to be assigned and the account status is in a pending state.

Account Status	Description
pending	The account has been created on Merge and is waiting for bank details to be assigned by the underlying banking provider. At this time, the account cannot be used.
active	The account is active and can start receiving and making payments.
blocked	The account is temporarily disabled, and it cannot be used to receive or send payments. Client may block the account for its own risk management. Note: It is strongly advised that you set up a webhook to monitor for this status change and update your application logic.
suspended	The account is temporarily disabled, and it cannot be used to receive or send payments. Merge may suspend a account for compliance reasons. Post investigation the account could be reinstated to its previous status. Note: It is strongly advised that you set up a webhook to monitor for this status change and update your application logic.
closed	The account is closed permanently. It cannot be used to receive or issue payments. This status is final and cannot be changed.