> ## Documentation Index
> Fetch the complete documentation index at: https://docs.digitzs.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Update Merchant Bank Info

> Update the bank account information for a merchant

## Endpoint

```
PUT https://api.digitzs.com/merchants/{id}
```

## Overview

Use this endpoint to update a merchant's bank account information used for receiving payment deposits.

<Warning>
  Changing bank information affects where funds are deposited. Verify all details carefully before submitting.
</Warning>

## Authentication

| Header          | Value               | Required |
| --------------- | ------------------- | -------- |
| `x-api-key`     | Your API key        | Yes      |
| `Authorization` | `Bearer {appToken}` | Yes      |
| `appId`         | Your application ID | Yes      |
| `Content-Type`  | `application/json`  | Yes      |

## Path Parameters

<ParamField path="id" type="string" required>
  The merchant account ID
</ParamField>

## Request Body

<ParamField body="data.type" type="string" required>
  Must be `"merchants"`
</ParamField>

<ParamField body="data.attributes.group" type="string" required>
  Must be `"bankInfo"`
</ParamField>

<ParamField body="data.attributes.bankInfo" type="object" required>
  New bank account information

  <Expandable title="Bank info properties">
    <ParamField body="bankName" type="string" required>
      Name of financial institution
    </ParamField>

    <ParamField body="accountOwnership" type="string" required>
      `"personal"` or `"business"`
    </ParamField>

    <ParamField body="accountType" type="string" required>
      `"checking"` or `"savings"`
    </ParamField>

    <ParamField body="accountName" type="string" required>
      Account holder name
    </ParamField>

    <ParamField body="accountNumber" type="string" required>
      Bank account number
    </ParamField>

    <ParamField body="routingNumber" type="string" required>
      9-digit routing number
    </ParamField>
  </Expandable>
</ParamField>

### Example Request

```json theme={null}
{
  "data": {
    "type": "merchants",
    "attributes": {
      "group": "bankInfo",
      "bankInfo": {
        "bankName": "Chase Bank",
        "accountOwnership": "business",
        "accountType": "checking",
        "accountName": "Acme Corporation",
        "accountNumber": "9876543210",
        "routingNumber": "026009593"
      }
    }
  }
}
```

## Response

### Success Response (200 OK)

```json theme={null}
{
  "links": {
    "self": "https://api.digitzs.com/merchants/merchant_abc123"
  },
  "data": {
    "type": "merchants",
    "id": "merchant_abc123",
    "attributes": {
      "bankInfo": {
        "bankName": "Chase Bank",
        "accountType": "checking",
        "last4": "3210",
        "updatedAt": "2024-01-20T15:30:00Z"
      }
    }
  }
}
```

## Code Examples

<CodeGroup>
  ```bash cURL theme={null}
  curl -X PUT https://api.digitzs.com/merchants/merchant_abc123 \
    -H "x-api-key: your-api-key" \
    -H "Authorization: Bearer your-app-token" \
    -H "appId: your-app-id" \
    -H "Content-Type: application/json" \
    -d '{
      "data": {
        "type": "merchants",
        "attributes": {
          "group": "bankInfo",
          "bankInfo": {
            "bankName": "Chase Bank",
            "accountOwnership": "business",
            "accountType": "checking",
            "accountName": "Acme Corporation",
            "accountNumber": "9876543210",
            "routingNumber": "026009593"
          }
        }
      }
    }'
  ```

  ```javascript JavaScript theme={null}
  const axios = require('axios');

  async function updateMerchantBankInfo(merchantId, bankInfo) {
    const response = await axios.put(
      `https://api.digitzs.com/merchants/${merchantId}`,
      {
        data: {
          type: 'merchants',
          attributes: {
            group: 'bankInfo',
            bankInfo: bankInfo
          }
        }
      },
      {
        headers: {
          'x-api-key': 'your-api-key',
          'Authorization': 'Bearer your-app-token',
          'appId': 'your-app-id',
          'Content-Type': 'application/json'
        }
      }
    );

    console.log('Bank info updated successfully');
    return response.data;
  }
  ```

  ```python Python theme={null}
  import requests

  def update_merchant_bank_info(merchant_id, bank_info):
      url = f"https://api.digitzs.com/merchants/{merchant_id}"

      headers = {
          "x-api-key": "your-api-key",
          "Authorization": "Bearer your-app-token",
          "appId": "your-app-id",
          "Content-Type": "application/json"
      }

      payload = {
          "data": {
              "type": "merchants",
              "attributes": {
                  "group": "bankInfo",
                  "bankInfo": bank_info
              }
          }
      }

      response = requests.put(url, headers=headers, json=payload)
      response.raise_for_status()
      return response.json()
  ```

  ```php PHP theme={null}
  <?php
  function updateMerchantBankInfo($merchantId, $bankInfo) {
      $url = "https://api.digitzs.com/merchants/" . $merchantId;

      $payload = json_encode([
          "data" => [
              "type" => "merchants",
              "attributes" => [
                  "group" => "bankInfo",
                  "bankInfo" => $bankInfo
              ]
          ]
      ]);

      $ch = curl_init($url);
      curl_setopt($ch, CURLOPT_CUSTOMREQUEST, "PUT");
      curl_setopt($ch, CURLOPT_POSTFIELDS, $payload);
      curl_setopt($ch, CURLOPT_HTTPHEADER, [
          "x-api-key: your-api-key",
          "Authorization: Bearer your-app-token",
          "appId: your-app-id",
          "Content-Type: application/json"
      ]);
      curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);

      return json_decode(curl_exec($ch), true);
  }
  ?>
  ```

  ```ruby Ruby theme={null}
  require 'net/http'
  require 'json'

  def update_merchant_bank_info(merchant_id, bank_info)
    uri = URI("https://api.digitzs.com/merchants/#{merchant_id}")
    request = Net::HTTP::Put.new(uri)
    request['x-api-key'] = 'your-api-key'
    request['Authorization'] = 'Bearer your-app-token'
    request['appId'] = 'your-app-id'
    request['Content-Type'] = 'application/json'

    request.body = {
      data: {
        type: 'merchants',
        attributes: {
          group: 'bankInfo',
          bankInfo: bank_info
        }
      }
    }.to_json

    response = Net::HTTP.start(uri.hostname, uri.port, use_ssl: true) do |http|
      http.request(request)
    end

    JSON.parse(response.body)
  end
  ```
</CodeGroup>

## Important Notes

<Warning>
  **Verification Required:** New bank accounts may require verification before funds can be deposited. Check with Digitzs support for verification procedures.
</Warning>

<Note>
  **Pending Deposits:** Existing pending deposits will complete to the old account. Only new deposits use the updated account.
</Note>

<Tip>
  **Double Check:** Verify routing and account numbers carefully. Incorrect information will cause deposit failures.
</Tip>

## Best Practices

1. **Validate Before Update:** Verify bank details with merchant before submission
2. **Notify Merchant:** Inform merchant of bank account changes
3. **Audit Trail:** Log all bank account updates for compliance
4. **Test Deposits:** Consider micro-deposit verification for added security

## Next Steps

<Card title="Get Merchant Details" icon="building" href="/api-reference/merchants/get-by-id">
  Verify updated bank information
</Card>