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Every funding flow uses a Method-managed for-benefit-of (FBO) Account. Method supports two standard ways to fund Payments: fund the FBO Account for a group of Payments, or fund one Payment through destination-specific Payment Instrument instructions.
Method configures your funding flow and Account setup during implementation. You do not select a funding model in POST /payments. Other configurations are available upon request. Contact your Customer Success Manager for details.

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Compare the flows

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Shared setup

1

Confirm the flow

Confirm whether your program uses FBO funding or Per-Payment funding.
2

Receive the funding instructions

Method provides the Account IDs, ACH or wire instructions, cutoff, and operating requirements for your flow.
3

Check destination eligibility

For FBO funding, confirm that payment is in the destination Account’s products. For Per-Payment funding, confirm that payment_instrument.inbound_achwire_payment is available.
4

Integrate status and reporting

Consume payment.create and payment.update webhooks. Use the Reports API for on-demand reconciliation, Report Schedules for recurring reconciliation, and the Managed Accounts API for funding operations.
An Account’s products list shows which Method products that Account can use. Method checks eligibility and your team’s setup again when you create a Payment or Payment Instrument. A listed product does not guarantee that the create request will succeed.
Treat sent as the terminal status for successful Payment delivery. When available, posted confirms that the destination applied the Payment. Posted coverage depends on the destination institution and Account type, so not every Payment reaches posted.