Skip to main content
Funding adds value to a customer’s Global Account. Incoming funds behave like other Grid account deposits: the customer does not need to sign an incoming transfer.

​
Funding model

A Global Account can receive funds through supported Grid flows for your platform, such as direct account funding instructions, just-in-time funding, or quote-based movement from another supported source. The account appears as an InternalAccount:... with type: "EMBEDDED_WALLET", so you can use it as the destination in quote-based flows.

​
Find the account to fund

curl -X GET "$GRID_BASE_URL/customers/internal-accounts?customerId=Customer:019542f5-b3e7-1d02-0000-000000000001&type=EMBEDDED_WALLET" \
  -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET"
Use the returned InternalAccount:... ID as the destination account.

​
Funding with payment instructions

If the account response includes fundingPaymentInstructions, display those instructions in your app so the customer can push funds to the account. 
{
  "fundingPaymentInstructions": [
    {
      "instructionsNotes": "Include the reference code in your transfer memo",
      "accountOrWalletInfo": {
        "accountType": "USD_ACCOUNT",
        "reference": "FUND-ABC123",
        "accountNumber": "9876543210",
        "routingNumber": "021000021",
        "accountHolderName": "Lightspark Payments FBO Jane Doe",
        "bankName": "JP Morgan Chase"
      }
    }
  ]
}
Show reference codes, memo instructions, and notes exactly as returned. They help Grid match incoming funds to the right account.

​
Just-in-time funding

In some flows, Grid returns payment instructions as part of a quote. Once the required funds arrive, Grid initiates the payment described by the quote. Use just-in-time funding when your product does not keep a prefunded balance in the Global Account before the payment starts.

​
Sandbox funding

In sandbox, fund the account directly: 
curl -X POST "$GRID_BASE_URL/sandbox/internal-accounts/InternalAccount:019542f5-b3e7-1d02-0000-000000000002/fund" \
  -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 100000
  }'
Grid returns the updated internal account. If webhooks are configured, Grid sends an INTERNAL_ACCOUNT.BALANCE_UPDATED event when the balance changes.

​
Quote-based funding

To fund from another supported source, create a quote with the Global Account as the destination. The source depends on your enabled rails and platform configuration. 
{
  "destination": {
    "destinationType": "ACCOUNT",
    "accountId": "InternalAccount:019542f5-b3e7-1d02-0000-000000000002"
  }
}
The available source currencies, funding rails, and settlement behavior depend on your platform configuration.

​
Reconciliation

Use account and transaction webhooks to update your product state when funds arrive. Do not rely only on client-side state or a successful request response. See Webhooks for details.