What is a Recipient?

A Recipient is a party in an exchange of goods or services who receives Payment.

They are often referred to as vendors, billers, suppliers, or merchants.

In Plastiq Connect, Recipients are defined by a set of core attributes described below:

Recipient Attributes

AttributeDescriptionAPI Field Name
NameThe Recipient's name, typically the name of the business being paidbusinessName
IndustryThe identifier classifying the Recipient's nature of goods or services rendered, typically the industry economy in which the Recipient's business operatescategoryId
LocationThe Recipient's primary addressbusinessAddress
ContactThe Recipient's contact detailscontact
DisbursementThe Recipient's disbursement details, how the Recipient will receive PaymentreceivingMethod
StatusThe Recipient's status in Plastiq Connectstatus
PayerOptional. The payer that has exclusive access to paying the recipientpayer


In Plastiq Connect, a categoryId is a Recipient Category identifier utilized to classify the goods or services provided by a Recipient.

Categories play a vital total in the treatment of Payments across the Payments Ecosystem.

We'll dive into further detail in the Categories section of this implementation guide to explain why Categories are important when using Plastiq Connect APIs.

Receiving Methods

The receivingMethod property determines how the Recipient receives Payment.

In order to successfully create a Recipient, you must assign a valid receiving method type.

Supported receiving methods today include the following:

"receivingMethod": {
        "type": "ACH",
        "accountNumber": "127414219421",
        "routingNumber": "021000021",
        "beneficiaryName": "Philz Coffee",
        "country": "US"
"receivingMethod": {
        "type": "CHECK",
        "line1": "360 6th St.",
        "line2": null,
        "city": "San Francisco",
        "state": "CA",
        "postalCode": "94103",
        "country": "US"
"receivingMethod": {
        "type": "EFT",
        "accountNumber": "127414219421",
        "routingNumber": "021000021",
        "beneficiaryName": "Philz Coffee"
"receivingMethod": {
        "type": "WIRE",
        "accountNumber": "127414219421",
        "routingNumber": "021000021",
        "beneficiaryName": "Philz Coffee",
        "country": "US"



ACH is only available as a receivingMethod for Recipients located in the United States. Conversely, EFT is only available as a receivingMethod for Recipients located in Canada.


A Recipient's disbursement details and location could impact fees and delivery timeframes associated with a customer's transaction.

To learn more about how a Recipient's receiving method could impact fees applied, please review the Payment Fees section.

Delivery Timeframes

Different delivery dates will be quoted on Payments depending on the Recipient's type of ReceivingMethod.

We recommend you review our Payment Delivery Timeframes section to grasp the extent of our fulfillment capabilities and the disbursement options that might be most suitable for your customer.


Recipients can be scoped in two ways:

Payer Scoped: Recipients created with a payer Id are scoped to the Payer, making them privately available for that specific Payer to make Payments.

Partner Scoped: Recipients created without a payer Id are scoped to the Partner account, making them available for all Payers to make Payments.

You may choose to use either, or both types of recipients in your implementation. Payer recipients are available only to that payer. Partner scoped recipients are available to any payer that you create.

Choose Payer Scoped if you expect each payer to have a private set of recipients. Choose Partner Scoped if you expect multiple payers to pay the same recipient.

What’s Next