Create Bank Recipient

Creates a new bank recipient (beneficiary) for transfers. Recipients must be created before you can send them payments.

Recipient Creation Flow

Basic Flow (Most Banks)

1. Create recipient with account details
2. Recipient is automatically enrolled at the bank
3. Once approved, recipient can receive transfers

Banco de Chile Flow

Requires authorization token or device:

1. Create recipient with authorization method
2. Provide token or device_id
3. Recipient is enrolled and approved

Draft Recipients (for Payrolls)

Set transition: null to create as draft:

1. Create draft recipient
2. Associate with payroll
3. Authorize along with payroll

Examples

Standard Recipient Creation

{
  "owner_id": "456e7890-a12b-34c5-d678-901234567890",
  "account_number": "123456789",
  "account_type": "corriente",
  "rut": "761234567",
  "name": "Proveedor ABC SpA",
  "alias": "proveedor-abc",
  "email": "[email protected]",
  "bank_id": "cl_banco_estado"
}

Banco de Chile with Token

{
  "owner_id": "456e7890-a12b-34c5-d678-901234567890",
  "account_number": "987654321",
  "account_type": "corriente",
  "rut": "772345678",
  "name": "Empresa XYZ",
  "alias": "empresa-xyz",
  "email": "[email protected]",
  "bank_id": "cl_banco_de_chile",
  "authorization_method": "token",
  "token": "123456"
}

Important Notes

• The owner_id must be a bank account you have access to
• RUT format must include only numbers and verification digit
• Email is used for transfer notifications at some banks
• Alias should be unique within your recipients for easy identification