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Finicity

Finicity Payments API

Fetch ACH details and account balances

Documentation Provider Profile APIs.io OpenAPI GitHub

Finicity Payments API is one of 41 APIs that Finicity publishes on the APIs.io network, described by a machine-readable OpenAPI specification.

Tagged areas include Payments. The published artifact set on APIs.io includes an OpenAPI specification, API documentation, and an API reference.

This API exposes 5 operations across 5 paths, and defines 19 schemas. It is described by OpenAPI 3.2.0, at version 1.43.0.

Requests are made against a single base URL, https://api.finicity.com.

5 operations 5 paths 19 schemas 5 GET

Metadata

The identity and technical contract details declared by the specification.

Specification
OpenAPI 3.2.0
API Version
1.43.0
Base URL
https://api.finicity.com
Authentication
API Key, API Key
Contact
API Support
Resource Areas
1

Authentication & Security 2

Finicity Payments API declares 2 security schemes for authenticating requests. An API key is passed in the header as Finicity-App-Key (FinicityAppKey). An API key is passed in the header as Finicity-App-Token (FinicityAppToken). By default, every request must be authenticated.

  • FinicityAppKey — The "Finicity-App-Key" from the developer dashboard
  • FinicityAppToken — A token returned by the /authentication API

Paths & Operations 5

Across 5 paths, the API surfaces 5 operations — 5 GET. Each is listed below with its method, path, parameters, and response codes.

Payments 5

Fetch ACH details and account balances

GET
/aggregation/v2/customers/{customerId}/accounts/{accountId}/loanDetails
Get Loan Payment Details
GetLoanPaymentDetails 2 params → 200400401404
GET
/aggregation/v1/customers/{customerId}/accounts/{accountId}/details
Get Account ACH Details
GetAccountACHDetails 2 params → 200400401404
GET
/aggregation/v1/customers/{customerId}/accounts/{accountId}/availableBalance/live
Get Available Balance
GetAvailableBalanceLive 3 params → 200400401404
GET
/aggregation/v1/customers/{customerId}/accounts/{accountId}/availableBalancedeprecated
Get Available Balance - Cached
GetAvailableBalance 2 params → 200400401404
GET
/aggregation/v3/customers/{customerId}/accounts/{accountId}/details
Get Account ACH Details with RTP/FedNow
GetAccountPaymentInstructionDetails 2 params → 200400401404

Schemas 19

The contract defines 19 schemas that model the data the API accepts and returns. The most detailed are ErrorMessage (10 properties), AvailableBalance (8 properties), LoanPaymentDetailsAccount (8 properties), LoanPaymentDetailsGroup (7 properties). Each schema is shown below with its type and property counts.

Currency
string
A currency code
AvailableBalance
object
8 properties 8 required
ErrorMessage
object
10 properties 1 required
AccountId
string
An account ID
NumericCustomerId
integer
A customer ID represented as a number. See Add Customer API for how to create a customer ID.
LoanPaymentDetailsAccount
object
8 properties 4 required
PaymentInstructions
object
A list of payment instructions
1 property
ACHDetails
object
The routing and account number information to initiate ACH transfers
2 properties 2 required
AllowedBalanceCacheInterval
integer
Cache interval in minutes for available balance retrieval. If omitted, the default interval is 30 minutes. If 0, always fetch live balance. If greater than 0,…
Descriptor
object
2 properties 2 required
LoanPaymentDetails
object
Loan payment details for a customer account
4 properties 3 required
AssetId
string
An asset ID. Generated by Data Connect or by using the Store Customer Pay Statement API.
AggregationStatusCode
integer
The status of the most recent aggregation attempt (see [Aggregation Status Codes](https://developer.mastercard.com/open-finance-us/documentation/products/manag…
LoanPaymentDetailsGroup
object
Group details
7 properties 5 required
LoanPaymentDetailsLoan
object
Loan details
6 properties 4 required
UnixDate
integer
A date in Unix epoch time (in seconds). See: [Handling Epoch Dates and Times](https://developer.mastercard.com/open-finance-us/documentation/errors/best-practi…
AccountNumberLast4
string
The last 4 digits of the account number, derived by Mastercard from the account number provided by the financial institution. This is only returned for ACH-ena…
CustomerId
string
A customer ID. See Add Customer API for how to create a customer ID.
PaymentInstruction
object
6 properties 2 required

Specification

The full machine-readable OpenAPI contract behind this narrative.

Source

finicity-payments-api-openapi.yml Raw ↑

Other APIs Finicity publishes across the network.

Finicity Connect
AE Profile APIs.io
Finicity Verification of Assets (VoA) API
AE Profile APIs.io
Finicity Verification of Income & Employment (VoIE) API
AE Profile APIs.io
Finicity Transaction Analysis (Cash Flow) API
AE Profile APIs.io
Finicity Payments (Account Validation) API
AE Profile APIs.io
Finicity Open Banking Data Access (FDX)
AE Profile APIs.io
Finicity Account Validation Assistance API
AE Profile APIs.io
Finicity Accounts API
AE Profile APIs.io
Finicity Accounts (Simple) API
AE Profile APIs.io
Finicity App Registration API
AE Profile APIs.io
Finicity Authentication API
AE Profile APIs.io
Finicity Balance Analytics API
AE Profile APIs.io
#Payments
← Back to F APIs
API Details
ID
finicity:finicity-payments-api
Base URL
https://api.finicity.com
Docs
https://developer.mastercard.com/open-banking-us/documentation/
Provider
Finicity
APIs.io →  GitHub →
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