Creating
POST /v1/payment_instructions creates instructions for one or more entities in a single call. Each item in an entity’s payment_instructions array is one rail, chosen by type:
Wires also need the beneficiary’s
address, and can include an intermediary
bank. PO box addresses are accepted, but are treated as not yet valid.
Reading
GET /v1/payment_instructions/{id} returns ach and wire as separate
blocks, because one set of instructions can carry both rails. Either block is
omitted when that rail isn’t set up.
Full account numbers are never returned, only account_number_last_four.
Beneficiary addresses and free-text wire instructions are not returned either.