# create_payment_account
Source:
POST
/v1/payments/accounts
Select code samplecURL (shell:curl)
```js
const url = 'https://app.everruns.com/api/v1/payments/accounts';
const options = {
method: 'POST',
headers: {'Content-Type': 'application/json'},
body: '{"label":"Refund agent · USDC on Base","metadata":"example","owner_id":"identity_01933b5a00007000800000000000001","owner_type":"virtual_user","private_key":"0x","public_address":"0x742d35Cc6634C0532925a3b844Bc454e4438f44e","rail":"x402_base"}'
};
try {
const response = await fetch(url, options);
const data = await response.json();
console.log(data);
} catch (error) {
console.error(error);
}
```
```sh
curl --request POST \
--url https://app.everruns.com/api/v1/payments/accounts \
--header 'Content-Type: application/json' \
--data '{ "label": "Refund agent · USDC on Base", "metadata": "example", "owner_id": "identity_01933b5a00007000800000000000001", "owner_type": "virtual_user", "private_key": "0x", "public_address": "0x742d35Cc6634C0532925a3b844Bc454e4438f44e", "rail": "x402_base" }'
```
* Production APIapp.everruns.com/api/v1/payments/accounts
Create a new payment account.
## Request Bodyrequired
Media typeapplication/json
Request body for the `create_payment_account` operation.
object
**label**
required
Human-readable label. Safe to render in user-facing messages.
string
##### Example
```plaintext
Refund agent · USDC on Base
```
**metadata**
Free-form metadata attached to this account (caller-defined; opaque to the platform). Example: `{"team": "support", "cost_center": "ops"}`.
**owner\_id**
required
Prefixed identifier of the owning principal. Must use the prefix that matches `owner_type` (see above). Example below pairs with `owner_type = "virtual_user"`.
string
##### Example
```plaintext
identity_01933b5a00007000800000000000001
```
**owner\_type**
required
Principal class that owns the account. One of: `user`, `virtual_user`, `organization`. The prefix on `owner_id` must match this: `user` → `user_…`, `virtual_user` → `identity_…`, `organization` → `org_…`.
string
##### Example
```plaintext
virtual_user
```
**private\_key**
Private key material for the rail. Stored encrypted; never returned in responses. Example shown as an obvious placeholder — supply a real 32-byte hex value at create time.
string | null
##### Example
```plaintext
0x
```
**public\_address**
Public address on the rail (chain address, account number, etc.). Optional; can be filled in later.
string | null
##### Example
```plaintext
0x742d35Cc6634C0532925a3b844Bc454e4438f44e
```
**rail**
required
Settlement rail this account operates on. One of: `mpp_tempo`, `x402_base`.
string
##### Example
```plaintext
x402_base
```
## Responses
### 201
Payment account created
Media typeapplication/json
A payment account — the org-scoped source of funds for paid agent calls. Each account binds an owning principal (user, virtual user, or org) to one settlement rail and tracks its provisioning lifecycle.
object
**created\_at**
required
Timestamp when this account was created (RFC 3339).
string format: date-time
**id**
required
Prefixed public identifier. See [ID Schema](https://everruns.com/docs/advanced/id-schema/).
string
/^payacct\_\[0-9a-f]{32}$/
**label**
required
Human-readable label for this account. Safe to render in user-facing messages.
string
**metadata**
required
Free-form metadata attached to this account (caller-defined; opaque to the platform).
**organization\_id**
required
Owning organization’s prefixed public identifier.
string
**owner\_id**
required
Prefixed identifier of the owning principal (e.g. `user_…`, `agent_…`, `org_…`).
string
**owner\_type**
required
Principal class that owns this account (user, virtual user, or organization).
string
Allowed values: user virtual\_user organization
**public\_address**
Public address on the rail (chain address, account number, etc.). Optional; `None` until provisioning completes.
string | null
**rail**
required
Settlement rail this account operates on.
string
Allowed values: mpp\_tempo x402\_base
**status**
required
Current lifecycle status of this account.
string
Allowed values: active disabled pending succeeded failed released
**updated\_at**
required
Timestamp when this account was last updated (RFC 3339).
string format: date-time
##### Example
```json
{
"created_at": "2026-04-01T10:00:00Z",
"id": "payacct_01933b5a000070008000000000000001",
"label": "Production USDC ops wallet",
"organization_id": "org_01933b5a000070008000000000000001",
"owner_id": "agent_01933b5a000070008000000000000001",
"owner_type": "user",
"public_address": "0x70997970C51812dc3A010C7d01b50e0d17dc79C8",
"rail": "mpp_tempo",
"status": "active",
"updated_at": "2026-05-20T14:00:00Z"
}
```
### 400
Invalid input
Media typeapplication/json
Standard error response.
Wire shape is [RFC 9457 Problem Details](https://www.rfc-editor.org/rfc/rfc9457): every error response includes `title` and `status`, and may include `detail`, `code`, `allowed_actions`, `retry_after_seconds`, `instance`, and `type`. The content type is rewritten to `application/problem+json` with the `application/problem+json` content type.
object
**allowed\_actions**
Recovery actions the caller can take next.
Array\