> ## Documentation Index > Fetch the complete documentation index at: https://developers.staging01.melio.com/docs/llms.txt > Use this file to discover all available pages before exploring further. # List accounts > Returns the entity's accounts. Any internal Plaid account that isn't yet verified has its verification status refreshed from Plaid before the response is returned. ## OpenAPI ````yaml /openapi.json get /accounts openapi: 3.0.3 info: title: Melio Payouts API version: '1.0' description: > Self-serve payouts API. Partners onboard an Entity, which is the business (organization plus owner, with the details required to be payment-eligible), then attach accounts (internal accounts and external accounts) and make payments. ## Resource ids Every resource has an opaque, prefixed id that is stable for the life of the resource: `ent_` (entity), `pay_` (payment), `acct_` (account, internal or external). Ids are Melio-issued; treat them as opaque strings and never parse or construct them. To attach your own identifier to a resource, use `externalId`. ## Pagination List endpoints are cursor-paginated and always return results newest-first (`createdAt` descending). The response envelope is: ```json { "data": [ /* resources */ ], "hasMore": true } ``` Page through results with `limit` (1 to 50, default 50) plus a cursor: - `startingAfter=`: return the page immediately **after** the given resource id (the next, older page). This is how you walk forward through a list. - `endingBefore=`: return the page immediately **before** the given resource id (the previous, newer page). `startingAfter` and `endingBefore` are mutually exclusive. The cursor is a resource id you already received (e.g. the `id` of the last item on the current page), not an index. Keep requesting the next page until `hasMore` is `false`. ## Filtering & sorting Ordering is fixed (newest-first); there is no `sortBy`. To narrow a list, filter it. Each list endpoint documents its own filter parameters (there is no generic query language). Date-range filters use bracket suffixes and accept RFC 3339 timestamps: `created[gte]`, `created[lte]`. Filter by your own identifier with `externalId`, and by metadata with `metadata[]=` (matches resources whose metadata contains every supplied key/value pair). Filters combine with AND and compose with pagination. ## External ids Every created resource accepts an optional `externalId`, your own unique identifier for the resource (≤255 chars, letters/digits/`-`/`_`). It is unique per partner per resource type: reusing one returns `409 DUPLICATE_EXTERNAL_ID`. Use it to correlate Melio resources with records in your system and to look resources up (`?externalId=`) without storing Melio ids. `externalId` identifies a *resource*; it is not a request-deduplication key (that is the `Idempotency-Key` header, below); the two are complementary. ## Idempotency Send an `Idempotency-Key` header on every create so retries are safe: the original response is replayed instead of creating a second resource. It is required on `POST /payments`. ## Metadata Most resources accept a `metadata` object: free-form string key/value pairs that Melio stores and returns verbatim but never interprets. Limits: up to 50 keys, key ≤40 chars, value ≤100 chars. Use it to stash your own structured context on a resource; it is also filterable (see above). ## Melio Sonar Session Token Write endpoints optionally accept a `Melio-Sonar-Token` header: a signed session token minted by the MelioSonar SDK on the end user's device, carrying device signals used for risk evaluation. Omit it when no SDK session is available. contact: name: Melio Platform External API email: platform@melio.com servers: - description: Production url: https://api.melio.com/v2 - description: Staging01 url: https://api.staging01.melio.com/v2 security: [] tags: - name: Entities description: >- A business you onboard and operate on behalf of: its profile, compliance details, and per-operation limitations. - name: Accounts description: Accounts the entity pays from (internal) and payees it pays to (external). - name: Payments description: >- Money moved from an internal account to an external account, and their lifecycle. - name: Tools description: >- Pre-flight calculators for fees, fast-payment eligibility, and delivery estimates. No resource is created. - name: Webhooks description: >- Your single endpoint for event notifications, and the events you can subscribe to. paths: /accounts: parameters: - $ref: '#/components/parameters/MelioEntityId' get: tags: - Accounts summary: List accounts description: > Returns the entity's accounts. Any internal Plaid account that isn't yet verified has its verification status refreshed from Plaid before the response is returned. parameters: - name: ownershipType in: query required: false schema: type: string enum: - internal - external - name: type in: query required: false schema: type: string enum: - ach - check - card - domestic-wire - virtual-card - name: externalId in: query required: false description: Return only the account whose `externalId` matches (your own id). schema: type: string - name: metadata in: query required: false style: deepObject explode: true description: > Filter by metadata key/value pairs, e.g. `metadata[ledgerId]=L-9`. Matches accounts whose metadata contains every supplied pair. schema: type: object additionalProperties: type: string responses: '200': description: Accounts. content: application/json: schema: type: object properties: data: type: array items: $ref: '#/components/schemas/Account' example: data: - id: acct_9b1deb4d-3b7d-4bad-9bdd-2b0d7b3dcb6d ownershipType: external type: ach counterPartyName: Globex Manufacturing counterPartyEmail: ap@globex.example.com bankAccount: accountType: checking routingNumber: '111000025' accountNumberLast4: '4321' createdAt: '2026-07-08T15:05:00Z' updatedAt: '2026-07-08T15:05:00Z' - id: acct_8be01c32-9378-4aad-9f0d-229e4454259c ownershipType: external type: check counterPartyName: Initech counterPartyEmail: ap@initech.example.com paperCheck: printName: Initech address: line1: 500 Market St city: San Francisco state: CA postalCode: '94105' createdAt: '2026-07-08T15:05:15Z' updatedAt: '2026-07-08T15:05:15Z' security: - ApiKey: [] components: parameters: MelioEntityId: name: Melio-Entity-Id in: header required: true description: >- Entity the request operates on — an entity id (`ent_`) or `me` (the partner's sole entity). schema: type: string schemas: Account: type: object properties: id: type: string description: Opaque account id (acct_) externalId: $ref: '#/components/schemas/ExternalId' metadata: $ref: '#/components/schemas/Metadata' ownershipType: type: string enum: - internal - external type: type: string enum: - ach - check - card - domestic-wire - virtual-card description: Plaid-backed internal accounts are returned as ach. nickname: type: string description: Present for internal accounts. counterPartyName: type: string description: Present for external accounts. counterPartyEmail: type: string description: Counterparty (payee) email. Present for external accounts. isVerified: type: boolean description: > Present for internal accounts. For ach, `false` while micro-deposit verification is outstanding and `true` once it completes. Absent for external accounts, where verification does not apply. bankAccount: type: object description: Present when type=ach. properties: accountType: type: string enum: - checking - savings routingNumber: type: string accountNumberLast4: type: string card: type: object description: Present when type=card. properties: lastFourDigits: type: string network: type: string expiration: type: string description: MM/YY paperCheck: type: object description: Present when type=check. properties: printName: type: string address: $ref: '#/components/schemas/AddressResponse' domesticWire: type: object description: Present when type=domestic-wire. properties: routingNumber: type: string description: ABA routing number of the receiving bank accountNumberLast4: type: string address: $ref: '#/components/schemas/AddressResponse' createdAt: type: string format: date-time updatedAt: type: string format: date-time ExternalId: type: string description: > Your own unique identifier for the resource. Unique per partner per resource type (reusing one returns 409 DUPLICATE_EXTERNAL_ID). Distinct from the Idempotency-Key header, which dedupes the request rather than identifying the resource. maxLength: 255 pattern: ^[A-Za-z0-9_-]+$ Metadata: type: object description: > Free-form string key/value pairs stored and returned verbatim, never interpreted by Melio. Up to 50 keys; each key 1 to 40 chars and may not contain square brackets (`[` `]`, reserved for the `metadata[key]` filter); value ≤100 chars. Filterable via `metadata[key]`. additionalProperties: type: string maxLength: 100 maxProperties: 50 AddressResponse: type: object description: >- Address as returned in responses; fields may be absent when the stored record is incomplete. properties: line1: type: string line2: type: string city: type: string state: type: string postalCode: type: string aptNumber: type: string countryCode: type: string securitySchemes: ApiKey: type: apiKey in: header name: api-key ````