External Accounts
Manage external bank accounts used for ACH transfers and payouts.
External accounts are the bank accounts that Advance uses as payout destinations — the accounts where carrier premiums and producer commissions are sent after collection. These accounts are configured through the Advance dashboard (not the public API) and then referenced by account_id when setting up producers and carriers for automatic payouts.
How External Accounts Are Used
When you configure a producer with recurrence_payout_enabled, the external_account_id field points to the bank account where their commission payouts are deposited. Similarly, carriers that receive automatic premium remittances are linked to an external account.
Use GET /v1/external-accounts to retrieve the list of available accounts and their IDs. You'll need the account_id when:
- Setting up a producer's payout destination (
external_account_idinPOST /v1/producersorPUT /v1/producers/{id}) - Verifying which accounts are configured before automating payouts
Account Number Masking
For security, the account_number field in the API response returns a masked value (e.g., ****4567). The full account number is only visible in the Advance dashboard.
Key Fields to Know
routing_number— Standard ACH routing number used for electronic transferswire_routing_number— Wire-specific routing, which may differ from the ACH routing number; null if wire transfers aren't configured for this accounttype/subtype— Account classification (e.g.,checking/business), relevant for ACH transaction formattingaccount_name— The internal label for this account; must be unique per tenant. Use this to identify accounts when multiple are configured.memo— Internal notes about this account's purpose
Listing External Accounts
GET /v1/external-accounts
Returns all external accounts configured on your tenant. Use this to build payout destination selectors in your integration or to verify that the expected accounts are in place before enabling automatic payouts.