---
title: "Create a fund account"
method: POST
path: "/fund_accounts"
tags: ["X Fund Accounts"]
---

# Create a fund account

`POST /fund_accounts`

Create a bank account, VPA, card, or wallet (Amazon Pay) fund account linked to a contact. Fund accounts are immutable after creation. Returns existing record if contact_id + account details all match.

## Request body

- object
  - `contact_id` string, required
  - `account_type` 'bank_account' | 'vpa' | 'card' | 'wallet', required
  - `bank_account` object
    - `name` string
    - `ifsc` string
    - `account_number` string
  - `vpa` object
    - `address` string
  - `card` object — Requires PCI DSS compliance
    - `name` string
    - `number` string
    - `expiry_month` string
    - `expiry_year` string
    - `input_type` 'razorpay_token' | 'service_provider_token' | 'raw'
    - `token_id` string
    - `token` string
  - `wallet` object — Required when account_type=wallet (Amazon Pay only)
    - `provider` 'amazonpay'
    - `phone` string — 10-digit phone with country code (mandatory)
    - `email` string
    - `name` string

## Response `200`

Fund account created

- FundAccount — Payout destination linked to a Contact. Immutable after creation.
  - `id` string — Fund account ID (fa_*)
  - `entity` 'fund_account'
  - `contact_id` string
  - `account_type` 'bank_account' | 'vpa' | 'card' | 'wallet'
  - `active` boolean
  - `batch_id` string
  - `bank_account` object
    - `ifsc` string
    - `bank_name` string
    - `name` string
    - `account_number` string
  - `vpa` object
    - `username` string
    - `handle` string
    - `address` string
  - `card` object
    - `last4` string
    - `network` string
    - `type` string
    - `issuer` string
    - `input_type` 'razorpay_token' | 'service_provider_token' | 'raw'
  - `created_at` integer
  - `wallet` object — Amazon Pay wallet details. Required when account_type=wallet.
    - `provider` 'amazonpay'
    - `phone` string — 10-digit phone with country code, e.g. +919876543210
    - `email` string, email
    - `name` string — Wallet holder name. Case-sensitive. Supported: a-z, A-Z, 0-9, space, ', -, _, /, (, ), .

## Other responses

- `400` — Bad request. Invalid parameters or missing required fields.
- `401` — Authentication failed. Invalid or missing API key credentials.
- `429` — Rate limit exceeded. Implement exponential backoff with jitter before retrying.
- `500` — Internal server error.

---

[API](https://skmtc.net/razorpay/apis/razorpay-api.md) · [All operations](https://skmtc.net/razorpay/apis/razorpay-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/razorpay/razorpay-api/versions/824ca9e6faef/schema)