Method Financial Payments API is one of 42 APIs that Method Financial 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
4 operations
across 2 paths,
and defines 40 schemas.
It is described by OpenAPI 3.2.0, at version 2026-03-30.
Requests are made against 3 base URLs: https://production.methodfi.com, https://sandbox.methodfi.com, https://dev.methodfi.com.
4 operations2 paths40 schemas1 DELETE2 GET1 POST
Metadata
The identity and technical contract details declared by the specification.
Method Financial Payments API declares
2 security schemes
for authenticating requests.
It accepts HTTP bearer tokens (OpalToken).
It accepts HTTP bearer tokens (SecretKey).
By default, every request must be authenticated.
OpalToken — Opal token authentication for Opal session endpoints. Use an Opal token (otkn...) as the Bearer token. Created via POST /opal/token using a secret key.
SecretKey — Secret key authentication. Use your team's secret key (sk...) as the Bearer token. All authenticated API endpoints require this scheme unless otherwise noted.
Paths & Operations 4
Across 2 paths, the API surfaces 4 operations — 1 DELETE, 2 GET, 1 POST. Each is listed below with its method, path, parameters, and response codes.
Payments 4
ACH and clearing payments
GET
/payments
List all payments
listPayments16 params→ 200400401404429500
POST
/payments
Create a payment
createPayment2 paramsbody→ 200400401404422429500
GET
/payments/{paymentId}
Retrieve a payment
retrievePayment3 params→ 200400401404429500
DELETE
/payments/{paymentId}
Delete a payment
deletePayment3 params→ 200400401404422429500
Schemas 40
The contract defines 40 schemas that model the data the API accepts and returns. The most detailed are Payment (26 properties), Account (26 properties), AccountUpdate (23 properties), AccountVerificationSession (17 properties). Each schema is shown below with its type and property counts.
Account
object
An Account represents a financial account (ACH, liability, clearing, or debit card) associated with an Entity. The type field indicates which nested details ob…
26 properties9 required
AccountVerificationSessionResourceError
objectnull
Error details when an account verification session fails.
4 properties4 required
AccountExpandablePayoff
The latest payoff ID. This field is expandable. When expanded, returns the full AccountPayoff object.
AccountCardBrand
object
Card brand information for an account.
12 properties5 required
BalanceResourceError
objectnull
Error details when a balance sync fails.
4 properties4 required
AccountDebitCard
objectnull
Debit card account details. Present when type is debitcard.
3 properties
AccountUpdate
object
An update record for an account.
23 properties6 required
ResourceError
objectnull
4 properties3 required
PayoffResourceError
objectnull
Error details when a payoff sync fails.
4 properties4 required
AccountClearing
objectnull
Clearing account details. Present when type is clearing.
3 properties
Metadata
objectnull
Arbitrary key-value metadata attached to the resource.
AccountPaymentInstrument
object
A payment instrument for an account.
11 properties6 required
AccountVerificationSession
object
A verification session for an account.
17 properties6 required
AccountExpandableAttribute
The latest attribute ID. This field is expandable. When expanded, returns the full AccountAttribute object.
AccountExpandableBalance
The latest balance ID. This field is expandable. When expanded, returns the full AccountBalance object.
MerchantProviderIds
object
5 properties
ListEnvelope
object
Standard envelope for successful responses that return a list payload.
3 properties3 required
PaymentResourceError
objectnull
Error details when a payment fails or is canceled.
4 properties4 required
ErrorEnvelope
object
3 properties3 required
Merchant
object
8 properties8 required
PaymentListResponse
AccountExpandablePaymentInstrument
The latest payment instrument ID. This field is expandable. When expanded, returns the full AccountPaymentInstrument object.
ErrorObject
object
4 properties3 required
AccountExpandableUpdate
The latest update ID. This field is expandable. When expanded, returns the full AccountUpdate object.
AccountLiability
objectnull
Liability account details. Present when type is liability.
7 properties7 required
AccountACH
objectnull
ACH account details. Present when type is ach.
3 properties
AccountExpandableCardBrand
The latest card brand ID. This field is expandable. When expanded, returns the full AccountCardBrand object.
AccountAttribute
object
An attribute record for an account containing financial data attributes.
7 properties6 required
PaymentResponse
SuccessEnvelope
object
Standard envelope for successful responses that return a single payload.
3 properties3 required
AccountSensitive
object
Sensitive data for an account.
8 properties6 required
AccountSensitiveResourceError
objectnull
Error details when retrieving account sensitive data fails.
4 properties4 required
MerchantType
string
AccountResourceError
objectnull
Error details when an account is disabled.
4 properties4 required
AccountPayoff
object
A payoff record for an account.
9 properties8 required
UpdateResourceError
objectnull
Error details when an account update fails.
4 properties4 required
Payment
object
A Payment represents a transfer of funds between two accounts.
26 properties8 required
PaymentCreateRequest
object
Request body for creating a payment.
8 properties4 required
AccountBalance
object
A balance record for an account.
7 properties6 required
AccountExpandableSensitive
The latest sensitive ID. This field is expandable. When expanded, returns the full AccountSensitive object.
Specification
The full machine-readable OpenAPI contract behind this narrative.
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