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Introduction

Welcome to the Sturdy Technologies API documentation. Our API provides a comprehensive suite of financial services including virtual card management, US bank account operations, and multiple payment methods.

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Overview

The Sturdy Technologies API enables you to:
  • Manage Users: Create and manage customer accounts
  • US Bank Accounts: Provision US bank accounts with ACH, RTP, and Wire capabilities
  • Virtual Cards: Issue and manage virtual payment cards
  • Payments: Execute transfers via USD direct transfer, card push, and PayPal payouts
  • Transaction Management: Track and monitor all financial transactions

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Base URL

All API requests should be made to: 
https://sandbox.sturdytechnologies.com/v3

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Authentication

The Sturdy Technologies API uses OAuth 2.0 for authentication. To access the API, you’ll need to:
  1. Obtain Credentials: Get your client_id and client_secret from your Sturdy Technologies account
  2. Request Access Token: Use Basic Authentication with your credentials to obtain a Bearer token
  3. Make API Calls: Include the Bearer token in the Authorization header for all subsequent requests

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Getting Your Access Token

Endpoint: POST /auth/token Authentication: Basic Auth (username: client_id, password: client_secret) Request Body (application/x-www-form-urlencoded): 
grant_type=client_credentials
scope=card, us_account
Example Response: 
{
  "success": true,
  "message": "Token generated successfully",
  "data": {
    "access_token": "eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9...",
    "token_type": "Bearer",
    "expires_in_seconds": 3600,
    "scope": "card,us_account"
  }
}

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Using Your Access Token

Include the access token in the Authorization header for all API requests: 
Authorization: Bearer <your_access_token>

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Quick Start

Here’s a simple workflow to get started:
  1. Authenticate and obtain your access token
  2. Create a User to represent a customer in your system
  3. Create a US Account or Virtual Card for the user
  4. Make Payments or track transactions as needed

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Example: Creating a User

curl -X POST https://sandbox.sturdytechnologies.com/v3/users \
  -H "Authorization: Bearer <your_access_token>" \
  -H "Content-Type: application/json" \
  -d '{
    "user_id": "user_123",
    "firstname": "John",
    "lastname": "Doe",
    "email": "john.doe@example.com",
    "telephone": "+1234567890"
  }'

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API Resources

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Users

Manage customer accounts within your application. Users are the foundation for all other operations.

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Accounts

Provision US bank accounts with multiple transfer capabilities (ACH, RTP, Wire) for your users.

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Cards

Issue virtual payment cards with customizable balances and types (Lite, Multiuse-Lite, Virtual, Physical).

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Payments

Execute various payment types:
  • USD Direct Transfer: ACH and Wire transfers to US bank accounts
  • Push to Card: Instant transfers to debit cards
  • PayPal Payout: Send funds to PayPal accounts

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Response Format

All API responses follow a consistent format: Success Response: 
{
  "success": true,
  "message": "Operation completed successfully",
  "data": {
    // Response data
  }
}
Error Response: 
{
  "success": false,
  "message": "Error description"
}

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HTTP Status Codes

The API uses standard HTTP status codes:
  • 200 OK: Request succeeded
  • 201 Created: Resource created successfully
  • 400 Bad Request: Invalid request parameters
  • 401 Unauthorized: Authentication failed or token expired
  • 404 Not Found: Resource not found
  • 500 Internal Server Error: Server error occurred

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Rate Limiting

Please be mindful of rate limits when making API calls. Contact our support team for specific rate limit information for your account.

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Support

Need help? Reach out to our support team:

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Sandbox vs Production

You’re currently viewing documentation for our sandbox environment. The sandbox allows you to test integrations without affecting real data or finances. When you’re ready to go live, you’ll receive production credentials and the production base URL.

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Next Steps