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Connect gives every business or person you work with a financial identity of their own, kept separate from yours but controlled by you. Each account holds its own balance, carries its own requirements, and has its own capabilities. You create these accounts yourself, through the API. Nobody signs up for Bachs and there is no existing account to link. When an account has to provide information before a capability turns on, you send it a hosted link or submit the requirements on its behalf. The most common use is a split payment: the customer pays you once, and you pass each seller their share. See Split payments.
You need the connect capability before you can create an account. See Become a platform.

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The parties

You authenticate with your own API key. To act as an account, send its id in the X-Account-Id header. See Accounts.

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The five moving parts

Accounts. An account is a financial identity you create and own, holding money and permissions of its own. See Accounts. Capabilities. What an account can do with money, granted one at a time within the persona it has applied. See Capabilities. Requirements. What an account provides before a capability is enabled. Requesting fewer capabilities means collecting less. See Requirements. Balances. Each account holds one balance per currency. See Balances. Money movement. Money enters through a charge, moves between balances through a transfer, and leaves through a withdrawal. See How money moves.

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Build it in this order

1

Get the connect capability

See Become a platform.
2

Decide who the customer pays

You, or the account. See Choose your integration.
3

Create an account and request its capabilities

Request only what the account needs. See Create an account.
4

Onboard it

Send the account a hosted link, or submit its requirements yourself. See Onboarding.
5

Move money

Collect, split, and withdraw. See Split payments.
6

Go live

Swap the base URL and the key. See Take Connect live.

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Limits

  • A capability is enabled by review, never automatically. Listen for capability.updated.
  • Transfers move one currency only. Both balances must hold it.
  • A transfer or withdrawal never takes a balance below zero; a lost dispute is the one exception. Once an account has withdrawn, you cannot pull those funds back. See Disputes.
  • Accounts cannot transfer to each other. Money moves between you and an account you own.

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