***

title: Set up a funding recipient
icon: clipboard-list-check
published: true
intro: Set up Funding Recipients that can receive funds from your account.
---------------------

For clean Markdown of any page, append .md to the page URL. For a complete documentation index, see https://docs.payroc.com/full-stack-guides/fund-merchants/llms.txt. For full documentation content, see https://docs.payroc.com/full-stack-guides/fund-merchants/llms-full.txt.

<Warning>
  **Important:** Before you begin, make sure that you have read our [Getting Started](/get-started/getting-started "Getting started") guide, and that you have received your API key.
</Warning>

A funding recipient is an entity that can receive funds using funding instructions. Each funding recipient includes at least one of the following:

* **Funding account:** The funding recipient’s bank account.
* **Owner:** Individuals that are associated with the funding recipient.

You can create funding recipients for third parties that can’t directly process sales. For example, charities.

## Integration steps

* Create your funding recipient.

## Before you begin

### Bearer tokens

Use our Identity Service to generate a Bearer token to include in the header of your requests. To generate your Bearer token, complete the following steps:

1. Include your API key in the x-api-key parameter in the header of a POST request.
2. Send your request to [https://identity.payroc.com/authorize](https://identity.payroc.com/authorize).

<Note>
  **Note:** You need to generate a new Bearer token before the previous Bearer token expires.
</Note>

#### Example request

```bash
curl --location --request POST 'https://identity.payroc.com/authorize' --header 'x-api-key: <api key>'
```

#### Example response

If your request is successful, we return a response that contains your Bearer token, information about its scope, and when it expires.

```json
{
  "access_token": "eyJhbGc....adQssw5c",
  "expires_in": 3600,
  "scope": "service_a service_b",
  "token_type": "Bearer"
}
```

### Headers

To create the header of each POST request, you must include the following parameters:

* **Content-Type:** Include application/json as the value for this parameter.
* **Authorization:** Include your Bearer token in this parameter.
* **Idempotency-Key:** Include a UUID v4 to make the request idempotent.

```bash
curl
-H "Content-Type: application/json"
-H "Authorization: <Bearer token>"
-H "Idempotency-Key: <UUID v4>"
```

### Errors

If your request is unsuccessful, we return an error. For more information about errors, see [Errors](/api/errors).

## Create your funding recipient

To create your funding recipient, send a POST request to our Funding Recipients endpoint.

| Endpoint   | Prefix     | URL                                                                                                  |
| :--------- | :--------- | :--------------------------------------------------------------------------------------------------- |
| Test       | `api.uat.` | [https://api.uat.payroc.com/v1/funding-recipients](https://api.uat.payroc.com/v1/funding-recipients) |
| Production | `api.`     | [https://api.payroc.com/v1/funding-recipients](https://api.payroc.com/v1/funding-recipients)         |

To create the body of your request, use the following parameters:

<EndpointSchemaSnippet endpoint="POST /funding-recipients" selector="request.body" />

<Note>
  **Note:** Use our [metadata](/api/metadata "Metadata") feature to add custom information to your request.
</Note>

### Example request

<EndpointRequestSnippet endpoint="POST /funding-recipients" />

If your request is successful, we create the funding recipient and return a response. The response contains the following fields:

<EndpointSchemaSnippet endpoint="POST /funding-recipients" selector="response.body" />

### Example response

<EndpointResponseSnippet endpoint="POST /funding-recipients" />

## Test cases

Our integration team provides you with [test cases](/test/test-your-integration) that you can run to verify that your integration works with our API.

For your next steps, we recommend that you follow our guide about [sending funds to your funding recipients](/guides/fund-merchants/send-funds-to-your-merchants). To view other functions about managing your funding recipients, see [funding recipients](/api/schema/funding/funding-recipients/create "Funding Recipients").