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Connect (Sub accounts) 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, from the dashboard or 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. You can also let the person behind an account log in to see their money. See Give an account a dashboard.The most common use is a split payment: the customer pays you once, and you pass each seller their share. See Split payments.
Upgrade your platform account to a registered business to use Connect in sandbox. Complete business compliance and get connect active in production before creating live accounts. See Become a platform.

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.

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 goes live. 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.

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, from the dashboard or the API. See Create an account.
4

Onboard it

Send the account a hosted link from the dashboard or the API, or submit its requirements yourself. Each capability goes live as soon as its checks pass. See Onboarding.
5

Move money

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

Go live

Complete registered-business compliance, confirm connect is active in production, then switch to the live base URL and key. See Take Connect live.

Limits

  • Sandbox grants do not establish live approval. Read each capability’s status in the environment you are using and listen for capability.updated. See Testing Connect.
  • 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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