Auto-Funding Guide

Configure automatic balance top-ups to ensure you always have funds available for payouts.

How It Works

When your available balance drops below a configured threshold, PayStream automatically initiates a funding transfer from your linked bank account.

Balance drops below threshold → Auto-funding triggers → Transfer initiated → Balance restored

Setup

1. Link a Funding Source

First, connect a bank account. Using Plaid for instant verification:

curl -X POST https://api.paystream.fi/api/v1/balance/funding-sources \
  -H "Authorization: Bearer psk_test_xxx" \
  -H "Content-Type: application/json" \
  -d '{
    "plaidProcessorToken": "processor-sandbox-xxxxxx",
    "plaidAccountId": "account-sandbox-xxxxxx",
    "accountHolderName": "Acme Corp"
  }'

2. Configure Auto-Funding

curl -X POST https://api.paystream.fi/api/v1/balance/auto-funding/config \
  -H "Authorization: Bearer psk_test_xxx" \
  -H "Content-Type: application/json" \
  -d '{
    "enabled": true,
    "lowBalanceThreshold": 50000,
    "fundingAmount": 200000,
    "fundingMethod": "ach_debit"
  }'

This configuration will:

• Trigger when balance drops below $500.00
• Automatically fund $2,000.00 via ACH debit

Funding Methods

Method	Speed	Cost	Best For
ach_debit	2-3 business days	Free	Regular top-ups
rtp	~30 seconds	~$0.50	Urgent funding needs

Confirmation Threshold

For large transfers, require approval via magic-link email:

curl -X POST https://api.paystream.fi/api/v1/balance/auto-funding/config \
  -H "Authorization: Bearer psk_test_xxx" \
  -H "Content-Type: application/json" \
  -d '{
    "enabled": true,
    "lowBalanceThreshold": 50000,
    "fundingAmount": 200000,
    "fundingMethod": "ach_debit",
    "confirmationThreshold": 500000
  }'

With this config, any auto-funding over $5,000.00 sends a confirmation email instead of processing immediately. The team admin clicks the magic link to approve.

Monitoring

Check your current auto-funding configuration:

curl -X GET https://api.paystream.fi/api/v1/balance/auto-funding/config \
  -H "Authorization: Bearer psk_test_xxx"

View funding transaction history:

curl -X GET https://api.paystream.fi/api/v1/funding/transactions \
  -H "Authorization: Bearer psk_test_xxx"

Funding Statuses

Status	Description
reserved	Funds reserved, awaiting processing
awaiting_confirmation	Large transfer pending email approval
pending	Submitted to payment network
in_transit	Processing through banking system
completed	Funds received
failed	Transfer failed

Next Steps

• Balance & Funding API - Full API reference
• Payment Rails - Choose the right rail for payouts