Open Banking

Mastercard payment and fraud detection APIs

developer.mastercard.com ↗
Version
1.16.2
OpenAPI
3.0.3
Endpoints
104
Schemas
514
81
Quality
Updated
3 days ago
Payments payments fintech fraud
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Server URLs

https://api.finicity.com

Endpoints

Accountvalidationassistance 3 endpoints

POST /microentry/v1/customers/{customerId}

Initiate the micro entries to customer’s account.

Two random micro amounts less than a dollar each will be deposited to provided customer’s account.

Supported regions:

operationId: AccountValidationAssistance_initiateMicroEntries

Parameters

Name In Required Type Description
customerId path optional

A customer ID

Request Body

application/json
schema MicroDepositInitiation
Property Type Required
receiver object required
memo string optional
name string required
accountType string required
accountNumber string required
routingNumber string required
callbackUrl string optional
institutionLoginId string optional

Responses

200

Micro entries were successfully initiated

400

The request was rejected

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

404

The resource doesn’t exist

409

The resource already exists

429

The service can’t accept more requests or is not available from the Test Drive.

POST /microentry/v1/customers/{customerId}
GET /microentry/v1/customers/{customerId}/accounts/{accountId}

Fetch the micro entries details.
customerId and accountId are the identifiers of the customer and account receiving the micro entries.

Supported regions:

operationId: AccountValidationAssistance_getMicroEntriesDetails

Parameters

Name In Required Type Description
customerId path optional

A customer ID

accountId path optional

The account ID

Responses

200

Micro entries were successfully retrieved

400

The request was rejected

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

404

The resource doesn’t exist

GET /microentry/v1/customers/{customerId}/accounts/{accountId}
POST /microentry/v1/customers/{customerId}/accounts/{accountId}/amounts

Verify the micro entries as received by customer in customer’s account.
Customer needs to verify the micro amounts received in customer’s account. customerId and accountId are the identifiers of the customer and account receiving the micro entries.

Supported regions:

operationId: AccountValidationAssistance_verifyMicroEntries

Parameters

Name In Required Type Description
customerId path optional

A customer ID

accountId path optional

The account ID

Request Body

application/json
schema MicroDepositVerification
Property Type Required
amounts array required

Responses

200

Micro entries were successfully verified

400

Micro entries verification failed. status field could be any except “Verified” and “Completed”.

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

404

The resource doesn’t exist

POST /microentry/v1/customers/{customerId}/accounts/{accountId}/amounts

Accounts 10 endpoints

GET /aggregation/v1/customers/{customerId}/accounts

Get all accounts owned by the given customer.

Supported regions:

operationId: Accounts_getCustomerAccounts

Parameters

Name In Required Type Description
customerId path optional

A customer ID

status query optional

A filter to fetch account in the given status

account_type query optional string

A filter to fetch accounts for the given type. Currently supported types: “ava”

Responses

200

The account list was successfully retrieved

400

The request was rejected

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

404

The resource doesn’t exist

GET /aggregation/v1/customers/{customerId}/accounts
POST /aggregation/v1/customers/{customerId}/accounts

Refresh account and transaction data for all accounts associated with the given customerId with a connection to the institution.

Client apps are not permitted to automate calls to the Refresh services. Active accounts are automatically refreshed by Finicity once per day. Because many financial institutions only post transactions once per day, calling Refresh services repeatedly is usually a waste of resources and is not recommended.

Apps may call Refresh services for a specific customer when there is a specific business case for the need of data that is up to date as of the moment. Please discuss with your account manager and systems engineer for further clarification.

The recommended timeout setting for this request is 120 seconds in order to receive a response. However, you can terminate the connection after making the call the operation will still complete. You will have to pull the account records to check for an updated aggregation attempt date to know when the refresh is complete.

Note: This service is not available for all tiers of dynamic billing.

Supported regions:

operationId: Accounts_refreshCustomerAggregation

Parameters

Name In Required Type Description
customerId path optional

A customer ID

Responses

200

The account list was successfully refreshed

400

The request was rejected

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

404

The resource doesn’t exist

POST /aggregation/v1/customers/{customerId}/accounts
DELETE /aggregation/v1/customers/{customerId}/accounts/{accountId}

Remove the given account from Finicity aggregation.

Supported regions:

operationId: Accounts_removeByCustomerIdAndAccountId

Parameters

Name In Required Type Description
customerId path optional

A customer ID

accountId path optional

The account ID

Responses

204

The customer account was successfully deleted

400

The request was rejected

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

404

The resource doesn’t exist

DELETE /aggregation/v1/customers/{customerId}/accounts/{accountId}
DELETE /aggregation/v1/customers/{customerId}/institutionLogins/{institutionLoginId}

Remove from Finicity aggregation the set of accounts matching the institution login ID.

Supported regions:

operationId: Accounts_removeByInstitutionLogin

Parameters

Name In Required Type Description
customerId path optional

A customer ID

institutionLoginId path optional

The institution login ID

Responses

204

The customer accounts were successfully deleted

400

The request was rejected

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

404

The resource doesn’t exist

DELETE /aggregation/v1/customers/{customerId}/institutionLogins/{institutionLoginId}
GET /aggregation/v1/customers/{customerId}/institutionLogins/{institutionLoginId}/accounts

Get all accounts associated with the given institution login. All accounts returned are accessible by a single set of credentials on a single institution.

Supported regions:

operationId: Accounts_getByInstitutionLogin

Parameters

Name In Required Type Description
customerId path optional

A customer ID

institutionLoginId path optional

The institution login ID

Responses

200

The account list was successfully retrieved

400

The request was rejected

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

404

The resource doesn’t exist

GET /aggregation/v1/customers/{customerId}/institutionLogins/{institutionLoginId}/accounts
POST /aggregation/v1/customers/{customerId}/institutionLogins/{institutionLoginId}/accounts

Refresh account and transaction data for all accounts associated with a given institutionLoginId with a connection to the institution.

Client apps are not permitted to automate calls to the Refresh services. Active accounts are automatically refreshed by Finicity once per day. Because many financial institutions only post transactions once per day, calling Refresh repeatedly is usually a waste of resources and is not recommended.

Apps may call Refresh services for a specific customer when there is a specific business case for the need of data that is up to date as of the moment. Please discuss with your account manager and systems engineer for further clarification.

The recommended timeout setting for this request is 120 seconds in order to receive a response. However, you can terminate the connection after making the call the operation will still complete. You will have to pull the account records to check for an updated aggregation attempt date to know when the refresh is complete.

Note: This service is not available for all tiers of dynamic billing.

Supported regions:

operationId: Accounts_refreshCustomerByInstitutionLogin

Parameters

Name In Required Type Description
customerId path optional

A customer ID

institutionLoginId path optional

The institution login ID

Responses

200

The account list was successfully refreshed

400

The request was rejected

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

404

The resource doesn’t exist

POST /aggregation/v1/customers/{customerId}/institutionLogins/{institutionLoginId}/accounts
GET /aggregation/v1/customers/{customerId}/institutions/{institutionId}/accounts

Get all active accounts owned by the given customer at the given institution.

Supported regions:

operationId: Accounts_getCustomerInstitutionAccounts

Parameters

Name In Required Type Description
customerId path optional

A customer ID

institutionId path optional

The institution ID

Responses

200

The account list was successfully retrieved

400

The request was rejected

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

404

The resource doesn’t exist

GET /aggregation/v1/customers/{customerId}/institutions/{institutionId}/accounts
POST /aggregation/v2/customers/{customerId}/accounts

Refresh account and transaction data for all accounts associated with the given customerId with a connection to the institution.

Client apps are not permitted to automate calls to the Refresh services. Active accounts are automatically refreshed by Finicity once per day.
Apps may call Refresh services for a specific customer when there is a specific business case for the need of data that is up to date as of the moment. Please discuss with your account manager and systems engineer for further clarification.

Note: This service will be used for dynamic billing tiers ASD, AFD and ATD.

Supported regions:

operationId: Accounts_refreshCustomerData

Parameters

Name In Required Type Description
customerId path optional

A customer ID

Responses

204

The account list was successfully refreshed

400

The request was rejected

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

404

The resource doesn’t exist

POST /aggregation/v2/customers/{customerId}/accounts
GET /aggregation/v2/customers/{customerId}/accounts/{accountId}

Get a customer account by ID.

Supported regions:

operationId: Accounts_getById

Parameters

Name In Required Type Description
customerId path optional

A customer ID

accountId path optional

The account ID

Responses

200

The account was successfully retrieved

400

The request was rejected

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

404

The resource doesn’t exist

GET /aggregation/v2/customers/{customerId}/accounts/{accountId}
POST /aggregation/v2/customers/{customerId}/institutionLogins/{institutionLoginId}/accounts

Refresh account and transaction data for all accounts associated with a given ‘institutionLoginId` with a connection to the institution. Client apps are not permitted to automate calls to the Refresh services. Active accounts are automatically refreshed by Finicity once per day.

Apps may call Refresh services for a specific customer when there is a specific business case for the need of data that is up to date as of the moment. Please discuss with your account manager and systems engineer for further clarification.

Note: This service will be used for dynamic billing tiers ASD, AFD and ATD.

Supported regions:

operationId: Accounts_refreshCustomerAccountByInstitutionLogin

Parameters

Name In Required Type Description
customerId path optional

A customer ID

institutionLoginId path optional

The institution login ID

Responses

204

The account list was successfully refreshed

400

The request was rejected

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

404

The resource doesn’t exist

POST /aggregation/v2/customers/{customerId}/institutionLogins/{institutionLoginId}/accounts

Accounts(simple) 4 endpoints

GET /aggregation/v1/customers/{customerId}/accounts/simple

This API is a lighter version of Get Customer Accounts, returning only basic information of all active customer accounts.

Supported regions:

operationId: AccountsSimple_getBasicInfo

Parameters

Name In Required Type Description
customerId path optional

A customer ID

Responses

200

The account list was successfully retrieved

400

The request was rejected

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

404

The resource doesn’t exist

GET /aggregation/v1/customers/{customerId}/accounts/simple
GET /aggregation/v1/customers/{customerId}/accounts/{accountId}/simple

This API is a lighter version of Get Customer Accounts by ID, returning only basic information of a customer account.

Supported regions:

operationId: AccountsSimple_getBasicInfo

Parameters

Name In Required Type Description
customerId path optional

A customer ID

accountId path optional

The account ID

Responses

200

The account was successfully retrieved

400

The request was rejected

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

404

The resource doesn’t exist

GET /aggregation/v1/customers/{customerId}/accounts/{accountId}/simple
GET /aggregation/v1/customers/{customerId}/institutionLogins/{institutionLoginId}/accounts/simple

This API is a lighter version of Get Customer Accounts by Institution Login ID, returning only basic information of all active accounts owned by the given customer at the given institution login ID.

Supported regions:

operationId: AccountsSimple_getBasicInfo

Parameters

Name In Required Type Description
customerId path optional

A customer ID

institutionLoginId path optional

The institution login ID

Responses

200

The account list was successfully retrieved

400

The request was rejected

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

404

The resource doesn’t exist

GET /aggregation/v1/customers/{customerId}/institutionLogins/{institutionLoginId}/accounts/simple
GET /aggregation/v1/customers/{customerId}/institutions/{institutionId}/accounts/simple

This API is a lighter version of Get Customer Accounts by Institution ID, returning only basic information of active accounts owned by the given customer at the given institution.

Supported regions:

operationId: AccountsSimple_getBasicInfo

Parameters

Name In Required Type Description
customerId path optional

A customer ID

institutionId path optional

The institution ID

Responses

200

The account list was successfully retrieved

400

The request was rejected

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

404

The resource doesn’t exist

GET /aggregation/v1/customers/{customerId}/institutions/{institutionId}/accounts/simple

Appregistration 5 endpoints

PUT /aggregation/v1/customers/{customerId}/applications/{applicationId}

If you have multiple applications for a single client, and you want to register their applications to access financial institutions using OAuth connections, then use this API to assign applications to an existing customer.

Supported regions:

operationId: AppRegistration_assignApplications

Parameters

Name In Required Type Description
customerId path optional

A customer ID

applicationId path optional

The application ID

Responses

200

The app was successfully assigned

400

The request was rejected

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

404

The resource doesn’t exist

PUT /aggregation/v1/customers/{customerId}/applications/{applicationId}
POST /aggregation/v1/partners/applications

Register a new application to access financial institutions using OAuth connections.

Supported regions:

operationId: AppRegistration_createNewApplication

Request Body

application/json
schema Application
Property Type Required
image string required
appUrl string required
appName string required
ownerCity string required
ownerName string required
ownerState string required
ownerCountry string required
appDescription string required
ownerPostalCode string required
ownerAddressLine1 string required
ownerAddressLine2 string required

Responses

201

The app registration was successfully created

400

The request was rejected

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

POST /aggregation/v1/partners/applications
PUT /aggregation/v1/partners/applications/{preAppId}

Update a registered application.

Supported regions:

operationId: AppRegistration_updateRegistration

Parameters

Name In Required Type Description
preAppId path optional

The application registration tracking ID

Request Body

application/json
schema Application
Property Type Required
image string required
appUrl string required
appName string required
ownerCity string required
ownerName string required
ownerState string required
ownerCountry string required
appDescription string required
ownerPostalCode string required
ownerAddressLine1 string required
ownerAddressLine2 string required

Responses

200

The app registration was updated

400

The request was rejected

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

404

The resource doesn’t exist

PUT /aggregation/v1/partners/applications/{preAppId}
PUT /aggregation/v2/customers/{customerId}/institutionLogins/{institutionLoginId}/migration

The institutionLoginId parameter uses Finicity’s internal FI mapping to move accounts from the current FI legacy connection to the new OAuth FI connection.

This API returns a list of accounts for the given institution login ID.

Supported regions:

operationId: AppRegistration_migrateInstitutionLoginAccounts

Parameters

Name In Required Type Description
customerId path optional

A customer ID

institutionLoginId path optional

The institution login ID

Responses

200

The migration succeeded

400

The request was rejected

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

404

The resource doesn’t exist

PUT /aggregation/v2/customers/{customerId}/institutionLogins/{institutionLoginId}/migration
GET /aggregation/v2/partners/applications

Get the status of your application registration(s).

Supported regions:

operationId: AppRegistration_getApplicationStatus

Parameters

Name In Required Type Description
preAppId query optional

The application registration tracking ID

applicationId query optional

The application ID

status query optional

Look up app registration requests by status

appName query optional

Look up app registration requests by app name

submittedDate query optional

Look up app registration requests by the date they were submitted

modifiedDate query optional

Look up app registration requests by the date the request was updated. This can be used to determine when a request was updated to “A” or “R”.

page query optional integer

Index of the page of results to return

pageSize query optional integer

Maximum number of results per page

Responses

200

The app registration statuses were returned

400

The request was rejected

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

404

The resource doesn’t exist

GET /aggregation/v2/partners/applications

Assets 1 endpoints

GET /aggregation/v1/customers/{customerId}/assets/{assetId}

Retrieve a binary file for the given asset ID.

Supported regions:

operationId: Assets_getBinaryFile

Parameters

Name In Required Type Description
customerId path optional

A customer ID

assetId path optional

The asset ID

Responses

200

The asset was successfully downloaded

400

The request was rejected

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

404

The resource doesn’t exist

GET /aggregation/v1/customers/{customerId}/assets/{assetId}

Authentication 2 endpoints

POST /aggregation/v2/partners/authentication

Send Partner ID and Partner Secret to the Partner Authentication service to obtain a token for accessing Finicity APIs.

  • The token is valid for two hours and is required on all calls to the Finicity APIs
  • As a best practice, use a single token for all calls. Assign a timestamp for each token, and then check the current timestamp before making any calls. If the token is greater than 90 minutes, generate a new one.
  • ⚠️ After five failed attempts to authenticate, your account will be locked. Contact support@finicity.com to get help resetting your account.

Supported regions:

operationId: Authentication_createAccessToken

Request Body

application/json
schema PartnerCredentials
Property Type Required
partnerId string required
partnerSecret string required

Responses

200

The access token was successfully created

400

The request was rejected

401

The request lacks valid authentication credentials. Check Partner ID, Partner Secret or Finicity-App-Key.

POST /aggregation/v2/partners/authentication
PUT /aggregation/v2/partners/authentication

Change the Partner Secret used to authenticate this partner.

The secret does not expire, but can be changed by calling this API. A valid Partner Secret may contain upper and lowercase characters, numbers, and the characters !, @, #, $, %, &, *, _, -, +. It must include at least one number and at least one letter, and its length should be between 12 and 255 characters.

Supported regions:

operationId: Authentication_modifyPartnerSecret

Request Body

application/json
schema PartnerCredentialsWithNewSecret
Property Type Required
partnerId string required
partnerSecret string required
newPartnerSecret string optional

Responses

204

The Partner Secret was successfully updated

400

The request was rejected

401

The request lacks valid authentication credentials. Check Partner ID, Partner Secret or Finicity-App-Key.

PUT /aggregation/v2/partners/authentication

Balanceanalytics 5 endpoints

POST /analytics/balance/v1/customer/{customerId}

Balance Analytics for Business analyzes bank balances over time to report metrics and identify behavior that may indicate risk.

Calculated metrics include:

  • Current/available account balances
  • Minimum/maximum/average account balances over the requested time
    period and broken down by month

  • Daily ending balance of accounts for each day in the requested time
    period

  • Propensity of the customer’s account balances to increase week over
    week

  • Number of days in the requested time period ending with a negative
    balance

This version of the API is intended for piloting and integration testing your application with the Balance Analytics product. It does not adhere to FCRA requirements, and should not be used for production/lending purposes. See Generate Balance Analytics - FCRA for the FCRA compliant version of this API.

A successful call to this API will generate analytics and store a report within Finicity. The report can be retrieved via Get Balance Analytics Report (operation: GetObbAnalyticsReport).

Supported regions:

operationId: BalanceAnalytics_generateAnalyticsReport

Parameters

Name In Required Type Description
customerId path optional

A customer ID

reference-number query optional string

Partner-provided reference number to correlate reports.

Request Body

application/json
schema BalanceAndCashFlowAnalyticsReportConstraints
Property Type Required
accountIds array optional
lengthOfReport integer optional

Responses

200

Response given when balance analytics were generated successfully, providing the caller with a report ID which can be used to retrieve the report as JSON or a PDF.

400

A bad request was provided

401

Unauthorized request

403

Access forbidden

404

Resource not found

409

Resource conflict

POST /analytics/balance/v1/customer/{customerId}
POST /analytics/balance/v1/customer/{customerId}/fcra

Balance Analytics for Business analyzes bank balances over time to report metrics and identify behavior that may indicate risk.

Calculated metrics include:

  • Current/available account balances
  • Minimum/maximum/average account balances over the requested time
    period and broken down by month

  • Daily ending balance of accounts for each day in the requested time
    period

  • Propensity of the customer’s account balances to increase week over
    week

  • Number of days in the requested time period ending with a negative
    balance

This version of the API is intended for production use. It maintains and enforces all compliance with FCRA rules and requirements.

Note: this is a premium service, billable per every successful API call for non-testing customers.

A successful call to this API will generate analytics and store a report within Finicity. The report can be retrieved via Get Balance Analytics Report - FCRA (operation: GetObbAnalyticsReportFCRA).

Supported regions:

operationId: BalanceAnalytics_generateFcraAnalyticsReport

Parameters

Name In Required Type Description
customerId path optional

A customer ID

reference-number query optional string

Partner-provided reference number to correlate reports.

Request Body

application/json
schema BalanceAndCashFlowAnalyticsReportConstraints
Property Type Required
accountIds array optional
lengthOfReport integer optional

Responses

200

Response given when balance analytics (FCRA) were generated successfully, providing the caller with a report ID which can be used to retrieve the report as JSON or a PDF.

400

A bad request was provided

401

Unauthorized request

403

Access forbidden

404

Resource not found

409

Resource conflict

POST /analytics/balance/v1/customer/{customerId}/fcra
GET /analytics/data/v1/{obb_report_id}

Retrieve the report saved by Generate Balance Analytics, Generate Cash Flow Analytics, or Generate Payment History. Requires the report ID generated by the previous call.

Report data can either be retrieved as a JSON document or PDF file.

Supported regions:

operationId: BalanceAnalytics_getReportData

Parameters

Name In Required Type Description
obb_report_id path optional string

Report ID generated and returned by OBB products

Responses

200

OBB Analytics report data as JSON or PDF

401

Unauthorized request

403

Access forbidden

404

The resource doesn’t exist

GET /analytics/data/v1/{obb_report_id}
GET /analytics/data/v1/{obb_report_id}/fcra

Retrieve the report saved by Generate Balance Analytics - FCRA, Generate Cash Flow Analytics - FCRA, or Generate Payment History - FCRA. Requires the report ID generated by the previous call.

Report data can either be retrieved as a JSON document or PDF file.

Note: this is a premium service, billable per every successful API call for non-testing customers.

Supported regions:

operationId: BalanceAnalytics_getReportDataFcra

Parameters

Name In Required Type Description
obb_report_id path optional string

Report ID generated and returned by OBB products

purpose query optional string

2-digit code from Permissible Purpose Codes, specifying the reason for retrieving this report. Required for retrieving some reports.

Responses

200

OBB Analytics FCRA report data as JSON or PDF

401

Unauthorized request

403

Access forbidden

404

The resource doesn’t exist

GET /analytics/data/v1/{obb_report_id}/fcra
POST /decisioning/v2/customers/{customerId}/reports/balance-analytics/userTypes/{userType}

Generate a Balance Analytics Report for a given customer. This service retrieves up to two years of transaction history from connected accounts.

Balance Analytics analyzes bank balances over time to report metrics and identify behavior that may indicate risk.

Before calling this API, A consumer or business may need to be created for the given customer ID based on the user type (see Consumer/Business APIs).

If no account type of checking or savings is found, the service will return HTTP 400 Bad Request.

This is a premium service, billable per every successful API call for non-testing customers. A successful call to this API will generate analytics report which can be retrieved via Get Report by Customer or Get Report by Consumer.

Supported regions:

operationId: BalanceAnalytics_generateReport

Parameters

Name In Required Type Description
customerId path optional

A customer ID

userType path optional

UserType indicates if the request is for a business or personal use case, Allowed values: business/personal.

callbackUrl query optional string

A Report Listener URL to receive notifications. The webhook must respond to the Finicity API with a 2xx HTTP status code.

Request Body

application/json
schema AnalyticsReportConstraints
Property Type Required
fromDate integer optional
accountIds string optional
reportCustomFields array optional
label string optional
shown boolean optional
value string optional
analyticsReportData object optional
forCraPurpose boolean required
timeIntervalTypes array optional
applicantIsPersonalGuarantor boolean optional

Responses

202

The report is being generated. When finished, a notification will be sent to the specified callback URL (Report Listener Service) and the report can be fetched using Get Report APIs. If you don’t use a callback URL, Get Report returns a minimal report with the following status: ‘inProgress’. Repeat the call every 20 seconds until Get Report returns a different status.

400

The request was rejected

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

404

The resource doesn’t exist

POST /decisioning/v2/customers/{customerId}/reports/balance-analytics/userTypes/{userType}

Bankstatements 3 endpoints

GET /aggregation/v1/customers/{customerId}/accounts/{accountId}/statement

Retrieve the customer’s bank statements in PDF format. Up to 24 months of history is available depending on the financial institution. Since this is a premium service, charges incur per each successful statement retrieved.

For certified financial institutions, statements are available for the following account types:

  • Checking
  • Savings
  • Money market
  • CDs
  • Investments
  • Mortgage
  • Credit cards
  • Loans
  • Line of credit
  • Student Loans

Note: setting the timeout to 180 seconds is recommended to allow enough time for a response.

Supported regions:

operationId: BankStatements_getCustomerStatementInPdf

Parameters

Name In Required Type Description
customerId path optional

A customer ID

accountId path optional

The account ID

index query optional integer

Request statements from 1-24. By default, 1 is the most recent statement. Increase the index value to count back (by month) and retrieve its most recent statement.

type query optional

The type of statement to retrieve

Responses

200

The statement was successfully downloaded as a PDF file

203

The response contains an MFA challenge in XML or JSON format. Contact your Account Manager or Systems Engineers to determine the best route to handle this error.

400

The request was rejected

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

404

The resource doesn’t exist

GET /aggregation/v1/customers/{customerId}/accounts/{accountId}/statement
GET /aggregation/v3/customers/{customerId}/accounts/{accountId}/statement

This endpoint retrieves account statements for a given customer. The maximum number of statements that can be returned is 24.

Supported regions:

operationId: BankStatements_getMultipleStatements

Parameters

Name In Required Type Description
customerId path optional

A customer ID

accountId path optional

The account ID

index query optional string

Request statements with comma-separated indexes between 1-24. The default value is 1 and it will return the most recent statement. Increasing the index will return older statements, for example, setting the index value to 6 will return the sixth most recent statement.

Responses

200

The account statements were successfully retrieved.

203

The response contains an MFA challenge in XML or JSON format. Contact your Account Manager or Systems Engineers to determine the best route to handle this error.

400

The request was rejected

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

404

The resource doesn’t exist

GET /aggregation/v3/customers/{customerId}/accounts/{accountId}/statement
POST /decisioning/v2/customers/{customerId}/statement

Generate a Statement Report for the given accounts under the given customer.

This is a premium service. A billable event will be created upon the successful generation of the Statement Report.

Before calling this API, a consumer must be created for the given customer ID (see Consumers APIs).

Supported regions:

operationId: BankStatements_generateReport

Parameters

Name In Required Type Description
customerId path optional

A customer ID

callbackUrl query optional string

A Report Listener URL to receive notifications. The webhook must respond to the Finicity API with a 2xx HTTP status code.

Request Body

application/json
schema StatementReportConstraints
Property Type Required
reportCustomFields array optional
label string optional
shown boolean optional
value string optional
statementReportData object required
accountId integer required
statementIndex integer optional

Responses

202

The report is being generated. When finished, a notification will be sent to the specified callback URL (Report Listener Service) and the report can be fetched using Get Report APIs. If you don’t use a callback URL, Get Report returns a minimal report with the following status: ‘inProgress’. Repeat the call every 20 seconds until Get Report returns a different status.

400

The request was rejected

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

404

The resource doesn’t exist

POST /decisioning/v2/customers/{customerId}/statement

Businessesapi 4 endpoints

GET /business-services/businesses/{business_id}

Retrieve business details.

Supported regions:

operationId: BusinessesApi_getDetailsById

Parameters

Name In Required Type Description
business_id path optional

Unique identifier of the business

Responses

200

The business information was successfully retrieved.

404

The business does not exist

GET /business-services/businesses/{business_id}
PUT /business-services/businesses/{business_id}

Update the details of a business based on its unique identifier. By providing the specific business ID and the updated information in the request, modifications can be made to the business’s profile.

Supported regions:

operationId: BusinessesApi_updateById

Parameters

Name In Required Type Description
business_id path optional

Unique identifier of the business

Request Body

application/json
schema NewBusiness
Property Type Required
url string optional
name string required
type string optional
email string optional
taxId string optional
address object required
city string optional
state string optional
country string optional
postalCode string optional
addressLine1 string optional
addressLine2 string optional
phoneNumber object required
phoneNo string optional
countryCode string optional
personallyLiable boolean required

Responses

200

The business information was updated.

404

The business does not exist

PUT /business-services/businesses/{business_id}
GET /business-services/customers/{customer_id}/businesses

Retrieve business details associated with a specific customer. By providing the unique customer identifier, details about the associated business can be accessed.

Supported regions:

operationId: BusinessesApi_getDetailsByCustomerId

Parameters

Name In Required Type Description
customer_id path optional

Unique identifier of the customer

Responses

200

The business information was successfully retrieved.

404

The customer does not exist

GET /business-services/customers/{customer_id}/businesses
POST /business-services/customers/{customer_id}/businesses

Create a new business record for the associated customer.
A customer can have one business record associated.

Supported regions:

operationId: BusinessesApi_createNewBusiness

Parameters

Name In Required Type Description
customer_id path optional

Unique identifier of the customer

Request Body

application/json
schema NewBusiness
Property Type Required
url string optional
name string required
type string optional
email string optional
taxId string optional
address object required
city string optional
state string optional
country string optional
postalCode string optional
addressLine1 string optional
addressLine2 string optional
phoneNumber object required
phoneNo string optional
countryCode string optional
personallyLiable boolean required

Responses

200

The business was successfully created.

404

The customer does not exist

409

The resource already exists

POST /business-services/customers/{customer_id}/businesses

Cashflow 2 endpoints

POST /decisioning/v2/customers/{customerId}/cashFlowBusiness

Generate a Cash Flow Report (Business) report for all checking and savings under the given customer. This service retrieves up to two years of transaction history for the given account. It then uses this information to generate the CFR report. A consumer is not required to generate this report.

This report is not provided under FCRA rules, and this report is not available in the Finicity Consumer Portal for the borrower to view.

If no account type of checking or savings is found, the service will return HTTP 400 Bad Request.

Supported regions:

operationId: CashFlow_generateReportBusiness

Parameters

Name In Required Type Description
customerId path optional

A customer ID

callbackUrl query optional string

A Report Listener URL to receive notifications. The webhook must respond to the Finicity API with a 2xx HTTP status code.

Request Body

application/json
schema CashFlowReportConstraints
Property Type Required
showNsf boolean optional
fromDate integer optional
accountIds string optional
reportCustomFields array optional
label string optional
shown boolean optional
value string optional
incomeStreamConfidenceMinimum integer optional

Responses

202

The report is being generated. When finished, a notification will be sent to the specified callback URL (Report Listener Service) and the report can be fetched using Get Report APIs. If you don’t use a callback URL, Get Report returns a minimal report with the following status: ‘inProgress’. Repeat the call every 20 seconds until Get Report returns a different status.

400

The request was rejected

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

404

The resource doesn’t exist

POST /decisioning/v2/customers/{customerId}/cashFlowBusiness
POST /decisioning/v2/customers/{customerId}/cashFlowPersonal

Generate a Cash Flow Report (Personal) report for all checking and savings under the given customer. This service retrieves up to two years of transaction history for the given account. It then uses this information to generate the CFR report.

This report is provided under FCRA rules, with Finicity acting as the CRA (Consumer Reporting Agency). If an individual account is included in the report - for example, with an individual acting as an personal guarantor on the loan - then this version of the report should be used. In case of an adverse action on the loan where the decision was based on this report, then the borrower can be referred to the Finicity Consumer Portal where they can view this report and submit a dispute if they feel any information in this report is inaccurate.

Before calling this API, a consumer must be created for the given customer ID (see Consumers APIs).

If no account type of checking or savings is found, the service will return HTTP 400 Bad Request.

Supported regions:

operationId: CashFlow_generatePersonalReport

Parameters

Name In Required Type Description
customerId path optional

A customer ID

callbackUrl query optional string

A Report Listener URL to receive notifications. The webhook must respond to the Finicity API with a 2xx HTTP status code.

Request Body

application/json
schema CashFlowReportConstraints
Property Type Required
showNsf boolean optional
fromDate integer optional
accountIds string optional
reportCustomFields array optional
label string optional
shown boolean optional
value string optional
incomeStreamConfidenceMinimum integer optional

Responses

202

The report is being generated. When finished, a notification will be sent to the specified callback URL (Report Listener Service) and the report can be fetched using Get Report APIs. If you don’t use a callback URL, Get Report returns a minimal report with the following status: ‘inProgress’. Repeat the call every 20 seconds until Get Report returns a different status.

400

The request was rejected

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

404

The resource doesn’t exist

POST /decisioning/v2/customers/{customerId}/cashFlowPersonal

Cashflowanalytics 3 endpoints

POST /analytics/cashflow/v1/customer/{customerId}

Cash Flow Analytics for Business analyzes cash flow over time to report metrics and identify behavior that may indicate risk.

Calculated metrics include:

  • Average transaction value by month over the requested time period
  • Net cash flow over the requested time period and broken down by month
  • Count and report of weeks in the requested time period where there
    were zero transactions posted to the customer’s accounts

  • Minimum/maximum/average/sum/count of deposits by month
  • Minimum/maximum/average/sum/count of withdrawals by month
  • Estimated amount of deposits that can be classified as business
    revenue

  • Number of transactions posted incurring a non-sufficient funds (NSF)
    fee, and net amount charged in NSF fees

This version of the API is intended for piloting and integration testing your application with the Cash Flow Analytics product. It does not adhere to FCRA requirements, and should not be used for production/lending purposes. See Generate Cash Flow Analytics - FCRA for the FCRA compliant version of this API.

A successful call to this API will generate analytics and store a report within Finicity. The report can be retrieved via Get Cash Flow Analytics Report (operation: GetCashFlowAnalyticsReport).

Supported regions:

operationId: CashFlowAnalytics_generateAnalytics

Parameters

Name In Required Type Description
customerId path optional

A customer ID

reference-number query optional string

Partner-provided reference number to correlate reports.

Request Body

application/json
schema BalanceAndCashFlowAnalyticsReportConstraints
Property Type Required
accountIds array optional
lengthOfReport integer optional

Responses

200

Response given when cash flow analytics were generated successfully, providing the caller with a report ID which can be used to retrieve the report as JSON or a PDF.

400

A bad request was provided

401

Unauthorized request

403

Access forbidden

404

Resource not found

409

Resource conflict

POST /analytics/cashflow/v1/customer/{customerId}
POST /analytics/cashflow/v1/customer/{customerId}/fcra

Cash Flow Analytics for Business analyzes cash flow over time to report metrics and identify behavior that may indicate risk.

Calculated metrics include:

  • Average transaction value by month over the requested time period
  • Net cash flow over the requested time period and broken down by month
  • Count and report of weeks in the requested time period where there
    were zero transactions posted to the customer’s accounts

  • Minimum/maximum/average/sum/count of deposits by month
  • Minimum/maximum/average/sum/count of withdrawals by month
  • Estimated amount of deposits that can be classified as business
    revenue

  • Number of transactions posted incurring a non-sufficient funds (NSF)
    fee, and net amount charged in NSF fees

This version of the API is intended for production use. It maintains and enforces all compliance with FCRA rules and requirements.

Note: this is a premium service, billable per every successful API call for non-testing customers.

A successful call to this API will generate analytics and store a report within Finicity. The report can be retrieved via Get Cash Flow Analytics Report - FCRA (operation: GetCashFlowAnalyticsReportFCRA).

Supported regions:

operationId: CashFlowAnalytics_generateFcraAnalyticsReport

Parameters

Name In Required Type Description
customerId path optional

A customer ID

reference-number query optional string

Partner-provided reference number to correlate reports.

Request Body

application/json
schema BalanceAndCashFlowAnalyticsReportConstraints
Property Type Required
accountIds array optional
lengthOfReport integer optional

Responses

200

Response given when cash flow analytics (FCRA) were generated successfully, providing the caller with a report ID which can be used to retrieve the report as JSON or a PDF.

400

A bad request was provided

401

Unauthorized request

403

Access forbidden

404

Resource not found

409

Resource conflict

POST /analytics/cashflow/v1/customer/{customerId}/fcra
POST /decisioning/v2/customers/{customerId}/reports/cashflow-analytics/userTypes/{userType}

Generate a Cashflow Analytics Report for a given customer. This service retrieves up to two years of transaction history from connected accounts.

Cashflow Analytics analyzes transaction over time to report metrics and identify behavior that may indicate risk.

Before calling this API, A consumer or business may need to be created for the given customer ID based on the user type (see Consumer/Business APIs).

If no account type of checking or savings is found, the service will return HTTP 400 Bad Request.

This is a premium service, billable per every successful API call for non-testing customers. A successful call to this API will generate analytics report which can be retrieved via Get Report by Customer or Get Report by Consumer.

Supported regions:

operationId: CashFlowAnalytics_generateReport

Parameters

Name In Required Type Description
customerId path optional

A customer ID

userType path optional

UserType indicates if the request is for a business or personal use case, Allowed values: business/personal.

callbackUrl query optional string

A Report Listener URL to receive notifications. The webhook must respond to the Finicity API with a 2xx HTTP status code.

Request Body

application/json
schema AnalyticsReportConstraints
Property Type Required
fromDate integer optional
accountIds string optional
reportCustomFields array optional
label string optional
shown boolean optional
value string optional
analyticsReportData object optional
forCraPurpose boolean required
timeIntervalTypes array optional
applicantIsPersonalGuarantor boolean optional

Responses

202

The report is being generated. When finished, a notification will be sent to the specified callback URL (Report Listener Service) and the report can be fetched using Get Report APIs. If you don’t use a callback URL, Get Report returns a minimal report with the following status: ‘inProgress’. Repeat the call every 20 seconds until Get Report returns a different status.

400

The request was rejected

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

404

The resource doesn’t exist

POST /decisioning/v2/customers/{customerId}/reports/cashflow-analytics/userTypes/{userType}

Connect🔗 7 endpoints

POST /connect/v2/generate

Generate a Connect 2.0 URL link to add within your own applications.

Optional Parameters:

  • experience: Configure different customer experiences per Connect session by changing the brand, color, logo, icon, the type of credit decisioning report to generate after the session ends, and more.
  • language: By default, the Connect application is in English. You don’t need to pass this parameter unless you want to translate Connect into one of our supported languages.

    • Spanish (United States)
    • French (Canada)

MVS Developers: You can pre-populate the consumer’s SSN on the Find employment records page at the beginning of the MVS payroll app. Pass the SSN value for the consumer in the body of the request call.

Supported regions:

operationId: Connect_generateUrl

Request Body

application/json
schema ConnectParameters
Property Type Required
webhook string optional
fromDate integer optional
language string optional
isWebView boolean optional
partnerId string required
consumerId string optional
customerId string required
experience string optional
redirectUri string optional
webhookData object optional
singleUseUrl boolean optional
webhookHeaders object optional
reportCustomFields array optional
label string optional
shown boolean optional
value string optional
webhookContentType string optional
institutionSettings object optional
optionalConsumerInfo object optional
dob integer optional
ssn string required

Responses

200

The URL link was successfully generated

400

The request was rejected

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

POST /connect/v2/generate
POST /connect/v2/generate/fix

Use the Connect Fix API when the following conditions occur:

  • The connection to the user’s financial institution is lost
  • The user’s credentials were updated (for any number of reasons)
  • The user’s MFA challenge has expired

Supported regions:

operationId: Connect_fixUrlGeneration

Request Body

application/json
schema FixConnectParameters
Property Type Required
webhook string optional
language string optional
isWebView boolean optional
partnerId string required
customerId string required
experience string optional
redirectUri string optional
webhookData object optional
singleUseUrl boolean optional
webhookHeaders object optional
institutionLoginId string required
webhookContentType string optional

Responses

200

The URL link was successfully generated

400

The request was rejected

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

404

The resource doesn’t exist

POST /connect/v2/generate/fix
POST /connect/v2/generate/jointBorrower

Same as Connect Full (POST /connect/v2/generate) but for joint borrowers.

MVS prompts both the primary and joint borrower to enter each of their financial, payroll, and paystub information in the same Connect session.

Supported regions:

operationId: Connect_generateJointBorrowerUrl

Request Body

application/json
schema ConnectJointBorrowerParameters
Property Type Required
webhook string optional
fromDate integer optional
language string optional
borrowers array required
type string required
consumerId string required
customerId string required
optionalConsumerInfo object optional
dob integer optional
ssn string required
partnerId string required
experience string optional
redirectUri string optional
webhookData object optional
singleUseUrl boolean optional
webhookHeaders object optional
reportCustomFields array optional
label string optional
shown boolean optional
value string optional
webhookContentType string optional
institutionSettings object optional

Responses

200

The URL link was successfully generated

400

The request was rejected

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

POST /connect/v2/generate/jointBorrower
POST /connect/v2/generate/lite

Connect Lite is a variation of Connect Full (POST /connect/v2/generate), which has a limited set of features.

  • Sign in, user’s credentials, and Multi-Factor Authentication (MFA)
  • No user account management

The Connect Web SDK isn’t a requirement when using Connect lite. However, if you want to use the SDK events, routes, and user events, then you must integrate with the Connect Web SDK.

Supported regions:

operationId: Connect_generateLiteUrl

Request Body

application/json
schema LiteConnectParameters
Property Type Required
webhook string optional
language string optional
isWebView boolean optional
partnerId string required
customerId string required
experience string optional
redirectUri string optional
webhookData object optional
singleUseUrl boolean optional
institutionId integer required
webhookHeaders object optional
webhookContentType string optional

Responses

200

The URL link was successfully generated

400

The request was rejected

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

POST /connect/v2/generate/lite
POST /connect/v2/generate/microentry/verify

The UI re-engages the consumer to enter two microdeposit amounts found in their account and validates them.

Supported regions:

operationId: Connect_verifyMicroEntryMicrodeposits

Request Body

application/json
schema MicroEntryVerifyRequestParameter
Property Type Required
webhook string optional
accountId string optional
partnerId string optional
customerId string optional
experience string optional
redirectUri string optional
webhookData object optional
webhookHeaders object optional
webhookContentType string optional

Responses

200

The URL link was successfully generated

400

The request was rejected

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

POST /connect/v2/generate/microentry/verify
POST /connect/v2/send/email

Same as Connect Full (POST /connect/v2/generate) but send a Connect email to a consumer.

Supported regions:

operationId: Connect_sendConnectEmail

Request Body

application/json
schema ConnectEmailParameters
Property Type Required
email object required
to string required
from string optional
subject string optional
firstName string optional
signature array optional
supportPhone string optional
institutionName string optional
institutionAddress string optional
webhook string optional
fromDate integer optional
language string optional
partnerId string required
consumerId string required
customerId string required
experience string optional
redirectUri string optional
webhookData object optional
singleUseUrl boolean optional
webhookHeaders object optional
reportCustomFields array optional
label string optional
shown boolean optional
value string optional
webhookContentType string optional
institutionSettings object optional
optionalConsumerInfo object optional
dob integer optional
ssn string required

Responses

200

The URL link was successfully generated and the email sent

400

The request was rejected

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

POST /connect/v2/send/email
POST /connect/v2/send/email/jointBorrower

Same as Connect Joint Borrower (POST /connect/v2/generate/jointBorrower) but send a Connect email to at least one of the joint borrower’s email addresses.

When the consumer opens the email, MVS prompts both the primary and joint borrower to enter each of their financial, payroll, and paystub information in the same Connect session.

Supported regions:

operationId: Connect_sendEmailJointBorrower

Request Body

application/json
schema ConnectJointBorrowerEmailParameters
Property Type Required
email object required
to string required
from string optional
subject string optional
firstName string optional
signature array optional
supportPhone string optional
institutionName string optional
institutionAddress string optional
webhook string optional
fromDate integer optional
language string optional
borrowers array required
type string required
consumerId string required
customerId string required
optionalConsumerInfo object optional
dob integer optional
ssn string required
partnerId string required
experience string required
redirectUri string optional
webhookData object optional
singleUseUrl boolean optional
webhookHeaders object optional
reportCustomFields array optional
label string optional
shown boolean optional
value string optional
webhookContentType string optional
institutionSettings object optional

Responses

200

The URL link was successfully generated and the email sent

400

The request was rejected

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

POST /connect/v2/send/email/jointBorrower

Consumers 1 endpoints

GET /decisioning/v1/consumers/{consumerId}

Get the details of a consumer record by consumer ID.

Supported regions:

operationId: Consumers_getById

Parameters

Name In Required Type Description
consumerId path optional

The consumer ID

Responses

200

The consumer was successfully retrieved

400

The request was rejected

401

The request lacks valid authentication credentials. Check “Finicity-App-Key” or “Finicity-App-Token”.

404

The resource doesn’t exist

GET /decisioning/v1/consumers/{consumerId}

Schemas

object ACHDetails
{
  "type": "object",
  "required": [
    "routingNumber",
    "realAccountNumber"
  ],
  "properties": {
    "routingNumber": {
      "type": "string",
      "example": "123456789",
      "description": "The routing number of the financial institution for specific customer account"
    },
    "realAccountNumber": {
      "type": "string",
      "example": "002345678901",
      "description": "The account number for initiating ACH transfers for this account"
    }
  },
  "description": "The routing and account number information to initiate ACH transfers"
}
object AFBalanceAnalyticsReport
{
  "type": "object",
  "allOf": [
    {
      "$ref": "#/components/schemas/AnalyticsReportAck"
    },
    {
      "type": "object",
      "properties": {
        "days": {
          "type": "integer",
          "example": 730,
          "description": "Number of days covered by the report"
        },
        "endDate": {
          "$ref": "#/components/schemas/ReportEndDate"
        },
        "seasoned": {
          "type": "boolean",
          "example": true,
          "description": "\"true\" if the report covers more than 365 days"
        },
        "startDate": {
          "$ref": "#/components/schemas/ReportStartDate"
        },
        "institutions": {
          "type": "array",
          "items": {
            "$ref": "#/components/schemas/ReportInstitution"
          },
          "description": "A list of institution records, including information about the individual accounts used in this report"
        },
        "customerAnalytics": {
          "$ref": "#/components/schemas/CustomerAnalytics"
        }
      }
    }
  ],
  "description": "A Balance Analytics Report"
}
object AFBusiness
{
  "type": "object",
  "required": [
    "name",
    "address"
  ],
  "properties": {
    "name": {
      "$ref": "#/components/schemas/BusinessName"
    },
    "address": {
      "type": "object",
      "properties": {
        "city": {
          "$ref": "#/components/schemas/City"
        },
        "state": {
          "$ref": "#/components/schemas/State"
        },
        "country": {
          "$ref": "#/components/schemas/Country"
        },
        "postalCode": {
          "$ref": "#/components/schemas/ZipCode"
        },
        "addressLine1": {
          "$ref": "#/components/schemas/AddressLine1"
        },
        "addressLine2": {
          "$ref": "#/components/schemas/AddressLine2"
        }
      }
    }
  }
}
object AFCashFlowAnalyticsReport
{
  "type": "object",
  "allOf": [
    {
      "$ref": "#/components/schemas/AnalyticsReportAck"
    },
    {
      "type": "object",
      "properties": {
        "days": {
          "type": "integer",
          "example": 730,
          "description": "Number of days covered by the report"
        },
        "endDate": {
          "$ref": "#/components/schemas/ReportEndDate"
        },
        "seasoned": {
          "type": "boolean",
          "example": true,
          "description": "\"true\" if the report covers more than 365 days"
        },
        "startDate": {
          "$ref": "#/components/schemas/ReportStartDate"
        },
        "institutions": {
          "type": "array",
          "items": {
            "$ref": "#/components/schemas/ReportInstitution"
          },
          "description": "A list of institution records, including information about the individual accounts used in this report"
        },
        "customerAnalytics": {
          "$ref": "#/components/schemas/CustomerAnalytics"
        }
      }
    }
  ],
  "description": "A Cash Flow Analytics Report"
}
object AccessToken
{
  "type": "object",
  "required": [
    "token"
  ],
  "properties": {
    "token": {
      "type": "string",
      "example": "YBh22Sb9Es6e66Q7lWdt",
      "description": "The access token value"
    }
  },
  "description": "A temporary access token to be passed in the `Finicity-App-Token` HTTP header of all subsequent API requests"
}
object AccountAnalytics
{
  "type": "object",
  "required": [
    "transactionalAttributes",
    "stateAttributes",
    "streams"
  ],
  "properties": {
    "streams": {
      "type": "array",
      "items": {
        "$ref": "#/components/schemas/StreamModel"
      },
      "description": "List of generated streams"
    },
    "stateAttributes": {
      "type": "array",
      "items": {
        "$ref": "#/components/schemas/StateAttribute"
      },
      "description": "List of calculated state attributes"
    },
    "transactionalAttributes": {
      "type": "array",
      "items": {
        "$ref": "#/components/schemas/TransactionalAttribute"
      },
      "description": "List of calculated transactional attributes"
    }
  },
  "description": "Analytics calculated for one account in the report."
}
object AccountDetails
{
  "type": "object",
  "properties": {
    "vestedBalance": {
      "type": "number",
      "example": 300000,
      "description": "Only available for investment accounts. Vested amount in account."
    },
    "currentLoanBalance": {
      "type": "number",
      "example": 0,
      "description": "Only available for investment accounts. Current loan balance."
    },
    "availableCashBalance": {
      "type": "number",
      "example": 1500,
      "description": "Only available for investment accounts. Amount available for cash withdrawal."
    },
    "interestMarginBalance": {
      "type": "number",
      "example": -50000,
      "description": "Only available for investment accounts. Net interest earned after deducting interest paid out."
    },
    "availableBalanceAmount": {
      "type": "number",
      "example": 1000,
      "description": "The available balance for the account"
    }
  }
}
object AccountDetailsTxBased
{
  "type": "object",
  "allOf": [
    {
      "$ref": "#/components/schemas/AccountDetails"
    },
    {
      "type": "object",
      "properties": {
        "marginBalance": {
          "type": "number",
          "example": 100,
          "description": "Net interest earned after deducting interest paid out"
        },
        "currentBalance": {
          "type": "number",
          "example": 1000,
          "description": "Current balance"
        }
      }
    }
  ]
}
string AccountId
{
  "type": "string",
  "example": "5011648377",
  "description": "An account ID"
}
string AccountNumberDisplay
{
  "type": "string",
  "description": "The account number from a financial institution in truncated format:\n\n  * Last four digits: \"1234\"\n\n  * Last four digits with suffix: \"1234-9\"\n\n  * Full value for string accounts: \"john@gmail.com\"\nexample: '1234-9'"
}
string AccountNumberLast4
{
  "type": "string",
  "example": "5678",
  "description": "The last 4 digits of the ACH account number"
}
object AccountOwner
{
  "type": "object",
  "required": [
    "ownerName",
    "ownerAddress"
  ],
  "properties": {
    "asOfDate": {
      "$ref": "#/components/schemas/UnixDate"
    },
    "ownerName": {
      "type": "string",
      "example": "John Smith",
      "description": "The name of the account owner. Can be multiple account owners in one string. This is how the source data is returned from the institution."
    },
    "ownerAddress": {
      "$ref": "#/components/schemas/Address"
    }
  },
  "description": "Owner of a customer account"
}
object AccountOwnerAddress
{
  "type": "object",
  "properties": {
    "city": {
      "$ref": "#/components/schemas/City"
    },
    "type": {
      "$ref": "#/components/schemas/AddressType"
    },
    "line1": {
      "$ref": "#/components/schemas/AddressLine1"
    },
    "line2": {
      "$ref": "#/components/schemas/AddressLine2"
    },
    "line3": {
      "$ref": "#/components/schemas/AddressLine3"
    },
    "state": {
      "$ref": "#/components/schemas/State"
    },
    "country": {
      "$ref": "#/components/schemas/Country"
    },
    "postalCode": {
      "$ref": "#/components/schemas/ZipCode"
    },
    "ownerAddress": {
      "$ref": "#/components/schemas/Address"
    }
  },
  "description": "Account owner address"
}
array AccountOwnerAddresses
{
  "type": "array",
  "items": {
    "$ref": "#/components/schemas/AccountOwnerAddress"
  },
  "description": "List of addresses"
}
object AccountOwnerDetails
{
  "type": "object",
  "required": [
    "ownerName",
    "addresses"
  ],
  "properties": {
    "emails": {
      "$ref": "#/components/schemas/AccountOwnerEmails"
    },
    "phones": {
      "$ref": "#/components/schemas/AccountOwnerPhones"
    },
    "suffix": {
      "$ref": "#/components/schemas/Suffix"
    },
    "lastName": {
      "$ref": "#/components/schemas/LastName"
    },
    "addresses": {
      "$ref": "#/components/schemas/AccountOwnerAddresses"
    },
    "firstName": {
      "$ref": "#/components/schemas/FirstName"
    },
    "ownerName": {
      "$ref": "#/components/schemas/AccountOwnerName"
    },
    "middleName": {
      "$ref": "#/components/schemas/MiddleName"
    },
    "relationship": {
      "$ref": "#/components/schemas/AccountOwnerRelationshipType"
    },
    "documentations": {
      "$ref": "#/components/schemas/AccountOwnerDocumentations"
    },
    "identityInsights": {
      "$ref": "#/components/schemas/AccountOwnerIdentityInsights"
    },
    "nameClassification": {
      "$ref": "#/components/schemas/NameClassificationType"
    },
    "nameClassificationconfidencescore": {
      "$ref": "#/components/schemas/ClassificationConfidenceScore"
    }
  },
  "description": "Owner of a customer account"
}
object AccountOwnerDocumentation
{
  "type": "object",
  "properties": {
    "taxId": {
      "$ref": "#/components/schemas/TaxId"
    },
    "governmentId": {
      "$ref": "#/components/schemas/GovernmentId"
    },
    "taxIdCountry": {
      "$ref": "#/components/schemas/Country"
    }
  },
  "description": "Account owner documentation"
}
array AccountOwnerDocumentations
{
  "type": "array",
  "items": {
    "$ref": "#/components/schemas/AccountOwnerDocumentation"
  },
  "description": "List of account owner documentation"
}
object AccountOwnerEmail
{
  "type": "object",
  "properties": {
    "email": {
      "$ref": "#/components/schemas/EmailAddress"
    },
    "emailType": {
      "$ref": "#/components/schemas/AccountOwnerEmailType"
    },
    "isPrimary": {
      "$ref": "#/components/schemas/AccountOwnerEmailPrimary"
    }
  },
  "description": "Account owner email"
}
boolean AccountOwnerEmailPrimary
{
  "type": "boolean",
  "example": true,
  "description": "The email is primary."
}
string AccountOwnerEmailType
{
  "type": "string",
  "example": "Personal",
  "description": "The account owner's email type.\n\n* \"Personal\" \n\n* \"Business\""
}
array AccountOwnerEmails
{
  "type": "array",
  "items": {
    "$ref": "#/components/schemas/AccountOwnerEmail"
  },
  "description": "List of emails"
}
object AccountOwnerHolders
{
  "type": "object",
  "required": [
    "holders"
  ],
  "properties": {
    "holders": {
      "type": "array",
      "items": {
        "$ref": "#/components/schemas/AccountOwnerDetails"
      },
      "description": "List of account owners"
    }
  }
}
object AccountOwnerIdentityInsights
{
  "type": "object",
  "properties": {
    "ipRisk": {
      "$ref": "#/components/schemas/IpRisk"
    },
    "warnings": {
      "type": "array",
      "items": {
        "$ref": "#/components/schemas/Warnings"
      }
    },
    "emailToName": {
      "$ref": "#/components/schemas/EmailToName"
    },
    "ipRiskScore": {
      "$ref": "#/components/schemas/IpRiskScore"
    },
    "phoneToName": {
      "$ref": "#/components/schemas/PhoneToName"
    },
    "isEmailValid": {
      "$ref": "#/components/schemas/EmailValid"
    },
    "isPhoneValid": {
      "$ref": "#/components/schemas/PhoneValid"
    },
    "phoneCarrier": {
      "$ref": "#/components/schemas/PhoneCarrier"
    },
    "addressToName": {
      "$ref": "#/components/schemas/AddressToName"
    },
    "phoneLineType": {
      "$ref": "#/components/schemas/PhoneLineType"
    },
    "ipLastSeenDays": {
      "$ref": "#/components/schemas/IpLastSeenDays"
    },
    "phoneToAddress": {
      "$ref": "#/components/schemas/PhoneToAddress"
    },
    "ipPhoneDistance": {
      "$ref": "#/components/schemas/IpPhoneDistance"
    },
    "phoneCountryCode": {
      "$ref": "#/components/schemas/PhoneCountryCode"
    },
    "identityRiskScore": {
      "$ref": "#/components/schemas/IdentityRiskScore"
    },
    "ipAddressDistance": {
      "$ref": "#/components/schemas/IpAddressDistance"
    },
    "phoneLastSeenDays": {
      "$ref": "#/components/schemas/PhoneLastSeenDays"
    },
    "emailFirstSeenDays": {
      "$ref": "#/components/schemas/EmailFirstSeenDays"
    },
    "addressValidityLevel": {
      "$ref": "#/components/schemas/AddressValidityLevel"
    },
    "identityNetworkScore": {
      "$ref": "#/components/schemas/IdentityNetworkScore"
    },
    "emailDomainCreationDate": {
      "$ref": "#/components/schemas/EmailDomainCreationDate"
    },
    "phoneEmailFirstSeenDays": {
      "$ref": "#/components/schemas/PhoneEmailFirstSeenDays"
    },
    "ipGeolocationCountryCode": {
      "$ref": "#/components/schemas/IpGeolocationCountryCode"
    },
    "ipGeolocationSubdivision": {
      "$ref": "#/components/schemas/IpGeolocationSubdivision"
    }
  },
  "description": "List of account owner Identity Insights"
}
string AccountOwnerName
{
  "type": "string",
  "example": "John Smith, PhD",
  "description": "The full name of the account owner. Multiple account owners are returned in one string per the source data from the institution."
}
object AccountOwnerPhone
{
  "type": "object",
  "properties": {
    "type": {
      "$ref": "#/components/schemas/AccountOwnerPhoneType"
    },
    "phone": {
      "$ref": "#/components/schemas/PhoneNumber"
    },
    "country": {
      "$ref": "#/components/schemas/PhoneCountry"
    }
  },
  "description": "Consumer phone"
}
string AccountOwnerPhoneType
{
  "type": "string",
  "example": "HOME",
  "description": "The account owner's phone type:   \n\n* \"HOME\"\n\n* \"BUSINESS\"\n\n* \"CELL\"\n\n* \"FAX\""
}
array AccountOwnerPhones
{
  "type": "array",
  "items": {
    "$ref": "#/components/schemas/AccountOwnerPhone"
  },
  "description": "List of phones"
}
string AccountOwnerRelationshipType
{
  "type": "string",
  "example": "AUTHORIZED_USER",
  "description": "The type of relationship to the account:  \n* \"AUTHORIZED_USER\"  \n\n* \"BUSINESS\"   \n\n* \"FOR_BENEFIT_OF_PRIMARY\"  \n\n* \"FOR_BENEFIT_OF_PRIMARY_JOINT_RESTRICTED\"  \n\n* \"FOR_BENEFIT_OF_SECONDARY\"\n\n* \"FOR_BENEFIT_OF_SECONDARY_JOINT_RESTRICTED\"\n\n* \"FOR_BENEFIT_OF_SOLE_OWNER_RESTRICTED\"\n\n* \"POWER_OF_ATTORNEY\"\n\n* \"PRIMARY_JOINT_TENANTS\"\n\n* \"PRIMARY\"\n\n* \"PRIMARY_BORROWER\"\n\n* \"PRIMARY_JOINT\"\n\n* \"SECONDARY\"\n\n* \"SECONDARY_JOINT_TENANTS\"\n\n* \"SECONDARY_BORROWER\"\n\n* \"SECONDARY_JOINT\"\n\n* \"SOLE_OWNER\"\n\n* \"TRUSTEE\"\n\n* \"UNIFORM_TRANSFER_TO_MINOR\""
}
string AccountStatus
{
  "type": "string",
  "example": "pending",
  "description": "An account status"
}
string AccountType
{
  "type": "string",
  "example": "checking",
  "description": "The list of supported account types.\n* \"checking\": Standard checking\n* \"savings\": Standard savings\n* \"cd\": Certificates of deposit\n* \"moneyMarket\": Money Market\n* \"creditCard\": Standard credit cards\n* \"lineOfCredit\": Home equity, line of credit\n* \"investment\": Generic investment (no details)\n* \"investmentTaxDeferred\": Generic tax-advantaged investment (no details)\n* \"employeeStockPurchasePlan\": ESPP, Employee Stock Ownership Plans (ESOP), Stock Purchase Plans\n* \"ira\": Individual Retirement Account (not Rollover or Roth)\n* \"401k\": 401K Plan\n* \"roth\": Roth IRA, Roth 401K\n* \"403b\": 403B Plan\n* \"529plan\": 529 Plan (True value is 529)\n* \"rollover\": Rollover IRA\n* \"ugma\": Uniform Gifts to Minors Act\n* \"utma\": Uniform Transfers to Minors Act\n* \"keogh\": Keogh Plan\n* \"457plan\": 457 Plan (True value is 457)\n* \"401a\": 401A Plan\n* \"brokerageAccount\": Brokerage Account\n* \"educationSavings\": Education Savings Account that is not a 529\n* \"healthSavingsAccount\": HSA (Health Savings Accounts)\n* \"pension\": Pension\n* \"profitSharingPlan\": Profit Sharing Plan\n* \"roth401k\": Roth 401K\n* \"sepIRA\": Simplified Employee Pension IRA\n* \"simpleIRA\": Simple IRA\n* \"thriftSavingsPlan\": Thrift Savings Plan\n* \"variableAnnuity\": Variable Annuity\n* \"cryptocurrency\": Cryptocurrency Wallet, Cryptocurrency Account\n* \"mortgage\": Standard Mortgages\n* \"loan\": Auto loans, equity loans, other loans\n* \"studentLoan\": Student Loan\n* \"studentLoanGroup\": Student Loan Group\n* \"studentLoanAccount\": Student Loan Account"
}
string ActiveStatus
{
  "type": "string",
  "example": "ACTIVE",
  "description": "Possible values: \"ACTIVE\", \"INACTIVE\""
}
string Address
{
  "type": "string",
  "example": "434 W Ascension Way",
  "description": "A street address"
}
string AddressLine1
{
  "type": "string",
  "example": "434 W Ascension Way",
  "description": "Address line 1"
}
string AddressLine2
{
  "type": "string",
  "example": "Suite #200",
  "description": "Address line 2"
}
string AddressLine3
{
  "type": "string",
  "example": "UT 84123",
  "description": "Address line 3"
}
string AddressToName
{
  "type": "string",
  "example": "match",
  "description": "The match status between the input name and the queried entity.\n* not-found\n* match\n* no-match"
}
string AddressType
{
  "type": "string",
  "example": "Home",
  "description": "The type of address location:\n* \"Business\"\n* \"Home\"\n* \"Mailing\""
}
number AddressValidityLevel
{
  "type": "number",
  "example": null,
  "description": "The most granular level to which the address could be validated. Ex. If the address was only valid to the city level (but not to the house level), it would return “valid_to_city”.\n  * missing_address - An input address was not provided.\n\n  * invalid - The input address is not valid.\n\n  * valid - The input address is valid.\n\n  * valid_to_country - The input address could only be validated to the\ncountry level. This means the country of the input address is valid, but the other elements of the input address were unable to be confirmed as valid or invalid.\n\n  * valid_to_city - The input address was validated to the city level.\nThis means the country, state, city, and postal code of the input address are valid, but the street, house number, and subpremise of the input address were unable to be confirmed as valid or invalid.\n\n  * valid_to_street - The input address was validated to the street\nlevel. This means the country, state, city, postal code, and street of the input address are valid, but the house number and subpremise of the input address were unable to be confirmed as valid or invalid.\n\n    * valid_to_house_number - The input address was validated to the\nstreet and house number level. This means the country, state, city, postal code, street, and house number of the input address are valid, but the subpremise of the input address was unable to be confirmed as valid or invalid. \n\n    * valid_to_house_number_missing_apt - The input address was\nvalidated to the street and house number level. This means the country, state, city, postal code, street, and house number of the input address are valid, but the subpremise of the input address was missing and thus unable to be confirmed as valid or invalid."
}
string AggregationStatus
{
  "type": "string",
  "example": "active",
  "description": "\"pending\" during account discovery, always \"active\" following\n  successful account activation"
}
integer AggregationStatusCode
{
  "type": "integer",
  "description": "The status of the most recent aggregation attempt (see [Aggregation Status Codes](https://developer.mastercard.com/open-banking-us/documentation/products/manage/account-aggregation/#aggregation-status-codes)). Won't be present until you have run your first aggregation for the account."
}
object AnalyticsReportAck
{
  "allOf": [
    {
      "$ref": "#/components/schemas/BaseReportAck"
    },
    {
      "type": "object",
      "properties": {
        "reportPin": {
          "$ref": "#/components/schemas/ReportPin"
        },
        "constraints": {
          "$ref": "#/components/schemas/AnalyticsReportConstraintsOut"
        },
        "businessDetails": {
          "$ref": "#/components/schemas/BusinessDetails"
        }
      }
    }
  ],
  "required": [
    "id",
    "customerType",
    "customerId",
    "requestId",
    "requesterName",
    "createdDate",
    "title",
    "type",
    "status",
    "constraints"
  ]
}
object AnalyticsReportConstraints
{
  "type": "object",
  "properties": {
    "fromDate": {
      "$ref": "#/components/schemas/UnixDate"
    },
    "accountIds": {
      "$ref": "#/components/schemas/ReportAccountIdsString"
    },
    "reportCustomFields": {
      "$ref": "#/components/schemas/ReportCustomFields"
    },
    "analyticsReportData": {
      "$ref": "#/components/schemas/AnalyticsReportData"
    }
  }
}
object AnalyticsReportConstraintsOut
{
  "type": "object",
  "properties": {
    "fromDate": {
      "$ref": "#/components/schemas/UnixDate"
    },
    "accountIds": {
      "$ref": "#/components/schemas/ReportAccountIds"
    },
    "reportCustomFields": {
      "$ref": "#/components/schemas/ReportCustomFields"
    },
    "analyticsReportData": {
      "$ref": "#/components/schemas/AnalyticsReportData"
    }
  }
}
object AnalyticsReportData
{
  "type": "object",
  "required": [
    "forCraPurpose"
  ],
  "properties": {
    "forCraPurpose": {
      "type": "boolean",
      "example": true,
      "description": "Field to indicate if the requested report is for CRA or NONCRA. For small business lending or other similar business use cases, pass the value as “true” for purposes of this field."
    },
    "timeIntervalTypes": {
      "type": "array",
      "items": {
        "$ref": "#/components/schemas/TimeIntervalType"
      },
      "example": [
        "MONTHLY_CALENDAR"
      ],
      "maxItems": 2,
      "description": "Requested time interval for attribute values."
    },
    "applicantIsPersonalGuarantor": {
      "type": "boolean",
      "example": true,
      "description": "Field to indicate if the business owner will personally guarantee the loan. If true, a consumer record will be required."
    }
  },
  "description": "Parameters supplied by the client requesting the analytics."
}
object AnalyticsReportsAccount
{
  "type": "object",
  "required": [
    "id",
    "name",
    "number",
    "type",
    "currency",
    "transactions"
  ],
  "properties": {
    "id": {
      "type": "integer",
      "format": "int64",
      "example": 1000023996,
      "description": "The ID of the account"
    },
    "name": {
      "type": "string",
      "example": "Checking",
      "description": "The account name from the institution"
    },
    "type": {
      "type": "string",
      "example": "checking",
      "description": "One of the values from account types"
    },
    "number": {
      "type": "string",
      "example": "XX1111",
      "description": "The account number from the institution (obfuscated)"
    },
    "details": {
      "$ref": "#/components/schemas/AccountDetails"
    },
    "ownerName": {
      "$ref": "#/components/schemas/ReportAccountOwnerName"
    },
    "balanceDate": {
      "type": "integer",
      "format": "int64",
      "example": 1614880526,
      "description": "A timestamp showing when the `balance` was captured"
    },
    "ownerAddress": {
      "$ref": "#/components/schemas/ReportAccountOwnerAddress"
    },
    "transactions": {
      "type": "array",
      "items": {
        "$ref": "#/components/schemas/ReportTransaction"
      },
      "description": "a list of transaction records"
    },
    "currentBalance": {
      "type": "number",
      "example": 100000,
      "description": "The cleared balance of the account as-of `balanceDate`"
    },
    "accountAnalytics": {
      "$ref": "#/components/schemas/AccountAnalytics"
    },
    "availableBalance": {
      "type": "number",
      "example": 1000,
      "description": "Available balance"
    },
    "aggregationStatusCode": {
      "type": "integer",
      "format": "int32",
      "example": 0,
      "description": "The status of the most recent aggregation attempt"
    }
  }
}
object AnnualIncome
{
  "type": "object",
  "required": [
    "year",
    "grossPayAmountYTD"
  ],
  "properties": {
    "year": {
      "type": "string",
      "example": 2022,
      "description": "The year for the amounts given in YTD totals for an employer"
    },
    "netPayAmountYTD": {
      "type": "number",
      "example": 123.45,
      "description": "Year to date (YTD) net pay amount for the indicated year"
    },
    "basePayAmountYTD": {
      "type": "number",
      "example": 123.45,
      "description": "Year to date (YTD) base pay amount for the year indicated"
    },
    "grossPayAmountYTD": {
      "type": "number",
      "example": 123.45,
      "description": "Year to date (YTD) gross pay amount for the indicated year"
    },
    "otherPayAmountYTD": {
      "type": "number",
      "example": 123.45,
      "description": "Year to date (YTD) other pay amount for the indicated year. Other pay is pay that is not categorized into one of the other categories."
    },
    "commissionPayAmount": {
      "type": "number",
      "example": 123.45,
      "description": "Year to date (YTD) commission pay amount for the indicated year"
    },
    "overtimePayAmountYTD": {
      "type": "number",
      "example": 123.45,
      "description": "Year to date (YTD) overtime pay amount for the year indicated"
    }
  }
}
object AppFinancialInstitutionStatus
{
  "type": "object",
  "required": [
    "id",
    "decryptionKeyActivated",
    "createdDate",
    "lastModifiedDate",
    "status"
  ],
  "properties": {
    "id": {
      "$ref": "#/components/schemas/NumericInstitutionId"
    },
    "status": {
      "type": "boolean",
      "example": true,
      "description": "\"false\" indicates registration is still pending"
    },
    "logoUrl": {
      "type": "string",
      "example": "https://prod-direct-integration-client.s3.us-west-2.amazonaws.com/976521f99-7b36-4b3b-a3e0-faff9545836d/102224/90x90.png",
      "description": "An URL to a logo file"
    },
    "abbrvName": {
      "type": "string",
      "example": "VAEJ",
      "description": "The application's abbreviated name"
    },
    "createdDate": {
      "$ref": "#/components/schemas/UnixDate"
    },
    "lastModifiedDate": {
      "$ref": "#/components/schemas/UnixDate"
    },
    "decryptionKeyActivated": {
      "type": "boolean",
      "example": false,
      "description": "Status of decryption keys for financial institution app registration"
    }
  },
  "description": "The registration status fields for each specific OAuth financial institution"
}
string AppRegistrationStatus
{
  "type": "string",
  "example": "P",
  "description": "The status of an app registration request. \"A\" means approved. \"P\" means pending which is the status when initially submitted or when the app is modified and awaiting approval. \"R\" means rejected. If it is rejected there will be a note with the rejected reason."
}
object AppStatus
{
  "type": "object",
  "required": [
    "partnerId",
    "preAppId",
    "appName",
    "submittedDate",
    "modifiedDate",
    "status"
  ],
  "properties": {
    "note": {
      "type": "string",
      "example": "Approved",
      "description": "A note on the registration. Typically used to indicate reasons for rejected apps."
    },
    "scopes": {
      "type": "string",
      "example": "Account Info",
      "description": "Indicates scopes of data accessible to the app"
    },
    "status": {
      "$ref": "#/components/schemas/AppRegistrationStatus"
    },
    "appName": {
      "$ref": "#/components/schemas/ApplicationName"
    },
    "preAppId": {
      "$ref": "#/components/schemas/PreAppId"
    },
    "partnerId": {
      "$ref": "#/components/schemas/PartnerId"
    },
    "modifiedDate": {
      "$ref": "#/components/schemas/UnixDate"
    },
    "applicationId": {
      "$ref": "#/components/schemas/ApplicationId"
    },
    "submittedDate": {
      "$ref": "#/components/schemas/UnixDate"
    },
    "institutionDetails": {
      "type": "array",
      "items": {
        "$ref": "#/components/schemas/AppFinancialInstitutionStatus"
      },
      "description": "A list of the registration status for each FI for the application"
    }
  },
  "description": "Registration status details for the application"
}
object AppStatuses
{
  "type": "object",
  "required": [
    "totalRecords",
    "totalPages",
    "pageNumber",
    "numberOfRecordsPerPage",
    "applications"
  ],
  "properties": {
    "pageNumber": {
      "type": "integer",
      "format": "int64",
      "example": 2,
      "description": "The current page number"
    },
    "totalPages": {
      "type": "integer",
      "format": "int64",
      "example": 5,
      "description": "The total number of pages"
    },
    "applications": {
      "type": "array",
      "items": {
        "$ref": "#/components/schemas/AppStatus"
      },
      "description": "A list of applications with their statuses"
    },
    "totalRecords": {
      "type": "integer",
      "format": "int64",
      "example": 50,
      "description": "The total number of results"
    },
    "numberOfRecordsPerPage": {
      "type": "integer",
      "format": "int64",
      "example": 10,
      "description": "The number of results per page"
    }
  },
  "description": "The response for the Get App Registration Status API which returns an array of status objects"
}

Versions

Version Endpoints Schemas Ingested Status
1.16.2 104 514 2026-05-11 current
1.16.2 104 514 2026-04-20
1.16.2 104 514 2026-04-16