B2B Banking Blueprint

Commercial Credit and Debit

Architect enterprise-grade corporate card and treasury solutions. Support parent-subsidiary organizational hierarchies, multi-card fleet deployments, Level 2 and Level 3 line-item purchasing data, and automated end-of-day balance sweeps and credit repayments.

System Architecture & Flow

HIERARCHICAL CORPORATE CREDIT ALLOCATION & SWEEP ENGINEB2B Multilevel

Parent Line

Enterprise opens master corporate line of credit with underwriting terms.

Subsidiary Sub-limits

Carve out sub-allocations for regional divisions, business units, or subsidiary entities.

Level 3 Data

Capture merchant invoice numbers, freight, tax, and itemized SKUs automatically.

Treasury Sweep

Automated EOD ACH or FedNow sweeps settle open balances from depository accounts.

1Establish Master Corporate Credit Line & Hierarchy

Create the parent corporate account with an approved revolving credit facility, settlement terms (e.g. Net-30), and billing currency.

POST /v1/credit/corporate-linesOpen Commercial Credit Line

curl -X POST "https://api.sandbox.rookpayments.com/v1/credit/corporate-lines" \
  -H "Authorization: Bearer rk_test_..." \
  -H "X-Program-ID: 7c9e6679-7425-40de-944b-e07fc1f90ae7" \
  -H "Content-Type: application/json" \
  -d '{
    "business_id": "biz_acme_corp_812",
    "facility_limit": 500000000,
    "currency": "USD",
    "terms": "net_30",
    "auto_sweep": {
      "enabled": true,
      "source_account_id": "acc_treasury_fednow_01",
      "sweep_frequency": "daily_eod"
    }
  }'

2Allocate Subsidiary Sub-Line & Issue Commercial Cards

Carve out child credit lines for subsidiaries or department teams, binding issued commercial cards directly to the allocated budget limit.

POST /v1/credit/corporate-lines/{id}/sub-linesCreate Subsidiary Sub-Line

curl -X POST "https://api.sandbox.rookpayments.com/v1/credit/corporate-lines/crdln_acme_01/sub-lines" \
  -H "Authorization: Bearer rk_test_..." \
  -H "Content-Type: application/json" \
  -d '{
    "subsidiary_name": "Acme Logistics EMEA",
    "allocated_limit": 50000000,
    "shared_pool": false,
    "notify_threshold_percent": 80
  }'

3Ingest Level 2 & Level 3 Enriched Transaction Data

Access enriched interchange qualification data including itemized line items, tax breakdown, merchant tax ID, and invoice identifiers.

EVENT transaction.cleared.l3_enrichedPayload

{
  "event_id": "evt_l3_992104",
  "type": "transaction.cleared.l3_enriched",
  "data": {
    "transaction_id": "txn_8819203",
    "invoice_number": "PO-2026-8819",
    "sales_tax": 4820,
    "line_items": [
      { "sku": "IND-MOTOR-204", "desc": "Electric Pump 2HP", "quantity": 2, "unit_cost": 45000 },
      { "sku": "FRT-EXP-01", "desc": "Expedited Freight", "quantity": 1, "unit_cost": 12000 }
    ],
    "interchange_tier": "COMMERCIAL_LEVEL_3"
  }
}

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