Does balanced payments require a merchant to have his bank account linked to the account to accept credits? What is the bare amount of information required to create a "user"? I want to have the least amount of friction possible until the merchant has incentive to input more information (when they're getting paid). Ideally, I would show the user screen to collect the last bit of information the first time they try to get cash out of my marketplace.
In Balanced nonclementure payments to people are called Credits and the user is represented by an Account.
For an Account to accept an ACH payment it must have the role "merchant". Since Balanced underwrites the merchant account you must provide identifying information before the role can be added.
In the best case scenario a merchant can be identified by using their name, DOB, and address. If Balanced cannot identify the user from this information alone then you, as the developer, will have the choice of either prompting them for additional information and resubmitting the request or redirecting them to the Balanced website for information.
To satisfy your requirement you can keep the money in your marketplace escrow account until the payment is due and you have prompted them for the information to create their account. This will require some book-keeping on your end to keep track of the funds until they are disbursed.