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Two kinds of payment methods

Teel has two distinct concepts that are easy to confuse:
  • Your payment methods — the accounts you fund payouts from. Configured in the Teel dashboard, not via the API.
  • Recipient payment methods — the accounts your recipients receive funds into. Managed via the API, as part of creating a recipient.

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Your funding payment methods (dashboard)

Your funding sources are set up in the Teel dashboard, during or after onboarding. Partner API keys (sk_live_… / sk_test_…) are scoped to operational endpoints (recipients, quotes, payouts, webhooks) and cannot create or list your funding payment methods — those endpoints are dashboard-only and reject partner keys.
To add or change a funding source, use the dashboard. If you need programmatic access to your funding configuration, contact support@teel.finance.
When you execute a payout, the source of funds is your dashboard-configured funding — you don’t create or pass a funding payment method through the public API.

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Recipient payment methods (API)

The accounts your recipients receive into are created through the recipients API. See Managing recipients for:
  • Creating a recipient with one or more payment methods
  • Adding a payment method to an existing recipient
  • Removing a payment method
Requirements vary by currency and rail — for example, ACH transfers need a routing number while SEPA transfers need an IBAN. Fetch the dynamic schema from GET /recipients/requirements and render it as a form rather than hard-coding fields.