Resources

IndividualApplication

IndividualApplication is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the application resource.
type	string	Type of the application resource. For individual application the value is always individualApplication.
attributes	JSON Object	JSON object representing the application data.
relationships	JSON:API Relationships	Describes relationships between the application resource and other resources (documents).

Attributes

Field	type	Description
status	string	One of AwaitingDocuments, PendingReview, Approved, Denied or Pending, see Application Statuses.
message	string	A message describing the IndividualApplication status.
createdAt	RFC3339 Date string	The date the resource was created.
updatedAt	RFC3339 Date string	Optional. The date the resource was updated.
ssn	string	SSN of the individual (numbers only). Either ssn or passport will be populated.
passport	string	Individual passport number. Either ssn or passport will be populated.
nationality	ISO31661-Alpha2 string	Always when Passport is populated and optional when SSN is populated. Two letters representing the individual nationality (e.g. "US").
fullName	FullName	Full name of the individual.
dateOfBirth	RFC3339 Date string	Date only (e.g. "2001-08-15").
address	Address	Address of the individual.
phone	Phone	Phone of the individual.
email	string	Email address of the individual.
ip	string	IP address of the end-customer creating the application, if specified.
soleProprietorship	boolean	Optional. Indicates whether the individual is a sole proprietor, if specified.
ein	string	Optional. Indicates if the individual is a sole proprietor who has an Employer Identification Number, if specified.
industry	Optional. Industry	Optional. Indicates if the individual is a sole proprietor who has an business industry, if specified.
dba	string	Optional. Indicates if the individual is a sole proprietor who is doing business under a different name, if specified.
archived	boolean	Indicates whether the application has been archived. Archived applications are read-only and no changes can be made to them. Once an application has been archived, a new application with the same SSN (or Passport) may be submitted. An application becomes archived once the corresponding customer is archived.
idTheftScore	number	Optional. Score (0-1000) for ID theft verification, >900 is auto rejected as default (threshold is configurable).
tags	object	See Tags.

Relationships

Field	type	Description
documents	Array of JSON:API Relationship	Optional. Application's documents.
customer	JSON:API Relationship	Optional. The created Customer in case of approved application.
applicationForm	JSON:API Relationship	Optional. The ApplicationForm through which the application has been submitted.

Example IndividualApplication resource:

{
  "type": "individualApplication",
  "id": "53",
  "attributes": {
    "createdAt": "2020-01-14T14:05:04.718Z",
    "fullName": {
      "first": "Peter",
      "last": "Parker"
    },
    "ssn": "721074426",
    "address": {
      "street": "20 Ingram St",
      "street2": null,
      "city": "Forest Hills",
      "state": "NY",
      "postalCode": "11375",
      "country": "US"
    },
    "dateOfBirth": "2001-08-10",
    "email": "peter@oscorp.com",
    "phone": {
      "countryCode": "1",
      "number": "1555555578"
    },
    "status": "AwaitingDocuments",
    "message": "Waiting for you to upload the required documents.",
    "archived": false,
    "tags": {
      "userId": "106a75e9-de77-4e25-9561-faffe59d7814"
    }
  },
  "relationships": {
    "org": {
      "data": {
        "type": "org",
        "id": "1"
      }
    },
    "documents": {
      "data": [
        {
          "type": "document",
          "id": "1"
        },
        {
          "type": "document",
          "id": "2"
        }
      ]
    },
    "applicationForm": {
      "data": {
        "type": "applicationForm",
        "id": "3"
      }
    }
  }
}

Reward Transaction

A rewardTransaction represents a successful reward creation.

RewardTransaction is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the transaction resource.
type	string	Type of the transaction resource. The value is always rewardTransaction.
attributes	JSON Object	JSON object representing the transaction data.
relationships	JSON:API Relationships	Describes relationships between the transaction resource and other resources (accounts, customer, reward).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the transaction was created. Common to all transaction types.
direction	string	The direction in which the funds flow. Common to all transaction types.
amount	integer	The amount (cents) of the transaction. Common to all transaction types.
balance	integer	The account balance (cents) after the transaction. Common to all transaction types.
summary	string	Summary of the transaction. Common to all transaction types, this will be the description of the reward.
receiverCounterparty	Counterparty	Optional. The receiving party of the transaction. Available only when the receiving party is a Deposit Account.
tags	object	See Tags. Inherited from the payment tags (see Tag Inheritance).

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account of the customer.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.
reward	JSON:API Relationship	The reward belonging to this transaction.
receiverAccount	JSON:API Relationship	The Deposit Account receiver.

Example RewardTransaction resource:

{
  "data": {
    "type": "rewardTransaction",
    "id": "51",
    "attributes": {
      "createdAt": "2022-04-05T10:46:34.371Z",
      "receiverCounterparty": {
        "name": "Unit Finance Inc.",
        "routingNumber": "091311229",
        "accountNumber": "864800000000",
        "accountType": "Checking"
      },
      "amount": 800,
      "direction": "Credit",
      "balance": 113000,
      "summary": "My Reward 8",
      "tags": {
        "customer_type": "vip"
      }
    },
    "relationships": {
      "account": {
        "data": {
          "type": "account",
          "id": "10001"
        }
      },
      "customer": {
        "data": {
          "type": "customer",
          "id": "10000"
        }
      },
      "customers": {
        "data": [
          {
            "type": "customer",
            "id": "10000"
          }
        ]
      },
      "org": {
        "data": {
          "type": "org",
          "id": "1"
        }
      },
      "reward": {
        "data": {
          "type": "reward",
          "id": "1"
        }
      },
      "receiverAccount": {
        "data": {
          "type": "account",
          "id": "10000"
        }
      }
    }
  }
}

Account Low Balance Closure Transaction

An accountLowBalanceClosureTransaction represents account low balance closure transaction.

AccountLowBalanceClosureTransaction is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the transaction resource.
type	string	Type of the transaction resource. The value is always accountLowBalanceClosureTransaction.
attributes	JSON Object	JSON object representing the transaction data.
relationships	JSON:API Relationships	Describes relationships between the transaction resource and other resources (accounts, customer).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the transaction was created. Common to all transaction types.
direction	string	The direction in which the funds flow. Common to all transaction types.
amount	integer	The amount (cents) of the transaction. Common to all transaction types.
balance	integer	The account balance (cents) after the transaction. Common to all transaction types.
summary	string	Summary of the transaction. Common to all transaction types.
receiverCounterparty	Counterparty	The receiving party of the transaction.
tags	object	See Tags. Inherited from the payment tags (see Tag Inheritance).

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account of the customer.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.
receiverAccount	JSON:API Relationship	The Deposit Account receiver.

Example AccountLowBalanceClosureTransaction resource:

{
  "data": {
    "type": "accountLowBalanceClosureTransaction",
    "id": "53",
    "attributes": {
      "createdAt": "2022-04-06T10:46:34.371Z",
      "receiverCounterparty": {
        "name": "Unit Finance Inc.",
        "routingNumber": "091311229",
        "accountNumber": "864800000000",
        "accountType": "Checking"
      },
      "amount": 800,
      "direction": "Credit",
      "balance": 113000,
      "summary": "Account Low Balance Closure",
      "tags": {
        "customer_type": "vip"
      }
    },
    "relationships": {
      "account": {
        "data": {
          "type": "account",
          "id": "10001"
        }
      },
      "customer": {
        "data": {
          "type": "customer",
          "id": "10000"
        }
      },
      "customers": {
        "data": [
          {
            "type": "customer",
            "id": "10000"
          }
        ]
      },
      "org": {
        "data": {
          "type": "org",
          "id": "1"
        }
      },
      "receiverAccount": {
        "data": {
          "type": "account",
          "id": "10000"
        }
      }
    }
  }
}

BusinessApplication

BusinessApplication is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the application resource.
type	string	Type of the application resource, for business application the value is always businessApplication.
attributes	JSON Object	JSON object representing the application data.
relationships	JSON:API Relationships	Describes relationships between the application resource and other resources (documents).

Attributes

Field	type	Description
status	string	One of AwaitingDocuments, PendingReview, Approved, Denied or Pending, see Application Statuses.
message	string	A message describing the BusinessApplication status.
createdAt	RFC3339 Date string	The date the resource was created.
updatedAt	RFC3339 Date string	Optional. The date the resource was updated.
name	string	Name of the business.
dba	string	Optional. "Doing business as".
address	Address	Address of the business.
phone	Phone	Phone of the business.
stateOfIncorporation	string	Two letters representing a US state.
ein	string	Business EIN (numbers only).
industry	Optional. Industry	Optional. Business industry, if specified.
entityType	string	One of LLC, Partnership, PubliclyTradedCorporation, PrivatelyHeldCorporation or NotForProfitOrganization.
website	string	Optional. Business's website.
contact	BusinessContact	Primary contact of the business.
officer	Officer	Officer representing the business, must be the CEO, COO, CFO, President, BenefitsAdministrationOfficer, CIO, VP, AVP, Treasurer, Secretary, Controller, Manager, Partner or Member. The officer would need to go over KYC process and provide documents.
beneficialOwners	Array of BeneficialOwner	Array of beneficial owners of the business. Beneficial Owner is anyone with more than 25% ownership. Beneficial Owners would need to go over KYC process and provide documents.
annualRevenue	AnnualRevenue	Optional. Annual revenue of the business.
numberOfEmployees	NumberOfEmployees	Optional. Number of employees of the business.
cashFlow	CashFlow	Optional. Cash flow of the business.
yearOfIncorporation	Year string	Year of incorporation of the business.
countriesOfOperation	Array of ISO31661-Alpha2 strings	Optional. An array of two letter codes representing the countries of operation of the business.
stockSymbol	string	Optional. The stock symbol (ticker) of the business.
businessVertical	BusinessVertical	Optional. The business vertical of the business.
ip	string	Optional. IP address of the end-customer creating the application. Both IPv4 and IPv6 formats are supported. Highly recommended as a fraud prevention measure, if the information is available when submitting the application.
archived	boolean	Indicates whether the application has been archived. Archived applications are read-only and no changes can be made to them. An application becomes archived once the corresponding customer is archived.
tags	object	See Tags.

Relationships

Field	type	Description
documents	Array of JSON:API Relationship	Optional. Application's documents.
customer	JSON:API Relationship	Optional. The created Customer in case of approved application.
applicationForm	JSON:API Relationship	Optional. The ApplicationForm through which the application has been submitted.

Example BusinessApplication resource:

{
  "type": "businessApplication",
  "id": "50",
  "attributes": {
    "createdAt": "2020-01-13T16:01:19.346Z",
    "name": "Pied Piper",
    "dba": null,
    "address": {
      "street": "5230 Newell Rd",
      "street2": null,
      "city": "Palo Alto",
      "state": "CA",
      "postalCode": "94303",
      "country": "US"
    },
    "phone": {
      "countryCode": "1",
      "number": "1555555578"
    },
    "stateOfIncorporation": "DE",
    "ein": "123456789",
    "entityType": "Corporation",
    "contact": {
      "fullName": {
        "first": "Richard",
        "last": "Hendricks"
      },
      "email": "richard@piedpiper.com",
      "phone": {
        "countryCode": "1",
        "number": "1555555578"
      }
    },
    "officer": {
      "fullName": {
        "first": "Richard",
        "last": "Hendricks"
      },
      "ssn": "123456789",
      "address": {
        "street": "5230 Newell Rd",
        "street2": null,
        "city": "Palo Alto",
        "state": "CA",
        "postalCode": "94303",
        "country": "US"
      },
      "dateOfBirth": "2001-08-10",
      "email": "richard@piedpiper.com",
      "phone": {
        "countryCode": "1",
        "number": "1555555589"
      },
      "occupation": "ArchitectOrEngineer",
      "annualIncome": "Between10kAnd25k",
      "sourceOfIncome": "EmploymentOrPayrollIncome",
      "status": "Approved"
    },
    "beneficialOwners": [
      {
        "fullName": {
          "first": "Richard",
          "last": "Hendricks"
        },
        "ssn": "123456789",
        "address": {
          "street": "5230 Newell Rd",
          "street2": null,
          "city": "Palo Alto",
          "state": "CA",
          "postalCode": "94303",
          "country": "US"
        },
        "dateOfBirth": "2001-08-10",
        "phone": {
          "countryCode": "1",
          "number": "1555555589"
        },
        "email": "richard@piedpiper.com",
        "occupation": "ArchitectOrEngineer",
        "annualIncome": "Between10kAnd25k",
        "sourceOfIncome": "EmploymentOrPayrollIncome",
        "status": "Approved"
      }
    ],
    "tags": {
      "userId": "106a75e9-de77-4e25-9561-faffe59d7814"
    },
    "archived": false,
    "status": "AwaitingDocuments",
    "message": "Waiting for you to upload the required documents."
  },
  "relationships": {
    "org": {
      "data": {
        "type": "org",
        "id": "1"
      }
    },
    "documents": {
      "data": [
        {
          "type": "document",
          "id": "1"
        },
        {
          "type": "document",
          "id": "2"
        },
        {
          "type": "document",
          "id": "3"
        }
      ]
    },
    "applicationForm": {
      "data": {
        "type": "applicationForm",
        "id": "3"
      }
    }
  }
}

ApplicationDocument

ApplicationDocument is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the document resource.
type	string	Always document.
attributes	JSON Object	JSON object representing the document’s data.

Attributes

Field	type	Description
status	string	One of Required, ReceivedBack, ReceivedFront, Invalid, Approved or PendingReview, see Application Document Status.
documentType	string	One of IdDocument, Passport, AddressVerification, CertificateOfIncorporation, EmployerIdentificationNumberConfirmation, SocialSecurityCard, ClientRequested or SelfieVerification.
description	string	The document requirements description.
name	string	Name of business or individual.
address	Address	Individual address, present only for the AddressVerification document type.
dateOfBirth	RFC3339 Date string	Date only (e.g. "2001-08-15"). Present only for Passport and IdDocument document types.
passport	string	Individual passport number. Present only for the Passport document type.
ein	string	Business EIN. Present only for the EmployerIdentificationNumberConfirmation document type.
reasonCode	string	Application Document rejection reason code. Present only when document status is Invalid. One of PoorQuality, NameMismatch, SSNMismatch, AddressMismatch, DOBMismatch, ExpiredId, EINMismatch, StateMismatch, Other.
reason	string	Application Document rejection reason. Present only when document status is Invalid.

Example ApplicationDocument resource:

{
  "type": "document",
  "id": "3",
  "attributes": {
    "documentType": "IdDocument",
    "status": "Approved",
    "description": "Please provide a copy of your unexpired government issued photo ID which would include Drivers License or State ID.",
    "name": "Richard Hendricks",
    "dateOfBirth": "2001-08-15"
  }
}

BeneficialOwner

BeneficialOwner is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the beneficial owner resource.
type	string	Always beneficialOwner.
attributes	JSON Object	JSON object representing the beneficial owner’s data.

Attributes

Field	type	Description
status	string	One of Approved, Denied or PendingReview.
fullName	FullName	Full name of the beneficial owner.
ssn	string	SSN of the beneficial owner (numbers only). One of ssn or passport is required.
passport	string	Passport of the beneficial owner. One of ssn or passport is required.
nationality	ISO31661-Alpha2 string	Always when Passport is populated and optional when SSN is populated. Two letters representing the beneficial owner's nationality.
dateOfBirth	RFC3339 Date string	Date only (e.g. "2001-08-15").
address	Address	The beneficial owner's address.
phone	Phone	The beneficial owner's phone number.
email	string	The beneficial owner's email address.
occupation	Occupation	Optional. Occupation of the beneficial owner.
annualIncome	AnnualIncome	Optional. Annual income of the beneficial owner.
sourceOfIncome	SourceOfIncome	Optional. Source of income of the beneficial owner.

Example BeneficialOwner resource:

{
  "type": "beneficialOwner",
  "id": "5",
  "attributes": {
    "address": {
      "street": "20 Ingram St",
      "street2": "Apt #10",
      "city": "Forest Hills",
      "state": "NY",
      "postalCode": "11375",
      "country": "US"
    },
    "dateOfBirth": "1990-04-05",
    "email": "erlich@piedpiper.com",
    "fullName": {
      "first": "Erlich",
      "last": "Bachman"
    },
    "phone": {
      "countryCode": "1",
      "number": "5555555555"
    },
    "ssn": "721074426",
    "status": "Approved",
    "occupation": "ArchitectOrEngineer",
    "annualIncome": "Between50kAnd100k",
    "sourceOfIncome": "EmploymentOrPayrollIncome"
  }
}

IndividualCustomer

IndividualCustomer is a JSON:API resource, describing the individual customer. Top-level fields:

Field	type	Description
id	string	Identifier of the individual resource.
type	string	Type of the resource, the value is always individualCustomer.
attributes	JSON Object	JSON object representing the individual data.
relationships	JSON:API Relationships	Describes relationships between the customer resource, the Org it belongs to, and the Application it was created by.

Field	type	Description
createdAt	RFC3339 Date string	The date the resource was created.
ssn	string	Individual passport number. Either ssn or passport will be populated.
passport	string	Individual passport number. Either ssn or passport will be populated.
nationality	ISO31661-Alpha2 string	Always when Passport is populated and optional when SSN is populated. Two letters representing the individual nationality (e.g. "US").
fullName	FullName	Full name of the individual.
dateOfBirth	RFC3339 Date string	Date only (e.g. "2001-08-15").
address	Address	Address of the individual.
phone	Phone	Phone of the individual.
email	string	Email address of the individual.
authorizedUsers	Array of AuthorizedUser	Array of authorized users. An authorized user is someone who can participate in the One Time Password (OTP) authentication process.
status	string	Status of the customer, either Active, Archived. You can't do any write operations with Archived customers.
ein	string	Optional. Indicates if the individual is a sole proprietor who has an Employer Identification Number, if specified.
archiveReason	string	Optional. The reason the account was archived, can be one of Inactive, FraudACHActivity, FraudCardActivity, FraudCheckActivity, FraudApplicationHistory, FraudAccountActivity, FraudClientIdentified, `FraudLinkedToFraudulentCustomer,.
tags	object	See Tags.

Relationships

Name	Type	Description
org	JSON:API Relationship	The Org of the individual.
application	JSON:API Relationship	The Application that created this individual.
authorizedUserResources	JSON:API Relationship	A list of the related AuthorizedUser.

Example IndividualCustomer resource:

{
  "type": "individualCustomer",
  "id": "8",
  "attributes": {
    "createdAt": "2020-05-12T19:41:04.123Z",
    "fullName": {
      "first": "Peter",
      "last": "Parker"
    },
    "ssn": "721074426",
    "address": {
      "street": "20 Ingram St",
      "street2": null,
      "city": "Forest Hills",
      "state": "NY",
      "postalCode": "11375",
      "country": "US"
    },
    "dateOfBirth": "2001-08-10",
    "email": "peter@oscorp.com",
    "phone": {
      "countryCode": "1",
      "number": "1555555578"
    },
    "status": "Active",
    "tags": {
      "userId": "106a75e9-de77-4e25-9561-faffe59d7814"
    },
    "authorizedUsers": [
      {
        "fullName": {
          "first": "Erlich",
          "last": "Backman"
        },
        "email": "erlich-backman@piedpiper.com",
        "phone": {
          "countryCode": "1",
          "number": "1234567890"
        }
      },
      {
        "fullName": {
          "first": "Nelson",
          "last": "Bighetti"
        },
        "email": "nelson-bighetti@piedpiper.com",
        "phone": {
          "countryCode": "1",
          "number": "1234567891"
        }
      }
    ]
  },
  "relationships": {
    "org": {
      "data": {
        "type": "org",
        "id": "1"
      }
    },
    "application": {
      "data": {
        "type": "individualApplication",
        "id": "8"
      }
    },
    "authorizedUserResources": {
      "data": [
        {
          "type": "authorizedUserResource",
          "id": "1"
        },
        {
          "type": "authorizedUserResource",
          "id": "2"
        }
      ]
    }
  }
}

BusinessCustomer

BusinessCustomer is a JSON:API resource, describing the business customer. Top-level fields:

Field	type	Description
id	string	Identifier of the business resource.
type	string	Type of the resource, the value is always businessCustomer.
attributes	JSON Object	JSON object representing the business data.
relationships	JSON:API Relationships	Describes relationships between the customer resource, the Org it belongs to, and the Application it was created by.

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the resource was created.
name	string	Name of the business.
dba	string	Optional. "Doing business as".
address	Address	Address of the business.
phone	Phone	Phone of the business.
stateOfIncorporation	string	Two letters representing a US state.
ein	string	Business EIN (numbers only).
entityType	string	One of LLC, Partnership, PubliclyTradedCorporation, PrivatelyHeldCorporation or NotForProfitOrganization.
contact	BusinessContact	Primary contact of the business.
authorizedUsers	Array of AuthorizedUser	Array of authorized users. An authorized user is someone who can participate in the One Time Password (OTP) authentication process.
status	string	Status of the customer, either Active or Archived. You can't do any write operations on an Archived customer.
archiveReason	string	Optional, only if the customer status is Archived. The reason the customer was archived, can be one of Inactive, FraudACHActivity, FraudCardActivity, FraudCheckActivity, FraudApplicationHistory, FraudAccountActivity, FraudClientIdentified, `FraudLinkedToFraudulentCustomer,.
tags	object	See Tags. Inherited from the application tags (see Tag Inheritance).

Relationships

Name	Type	Description
org	JSON:API Relationship	The Org of the business.
application	JSON:API Relationship	The Application that created this business.
authorizedUserResources	JSON:API Relationship	A list of the related AuthorizedUser.

Example BusinessCustomer resource:

{
  "type": "businessCustomer",
  "id": "1",
  "attributes": {
    "createdAt": "2020-05-10T12:28:37.698Z",
    "name": "Pied Piper",
    "address": {
      "street": "5230 Newell Rd",
      "street2": null,
      "city": "Palo Alto",
      "state": "CA",
      "postalCode": "94303",
      "country": "US"
    },
    "phone": {
      "countryCode": "1",
      "number": "1555555578"
    },
    "stateOfIncorporation": "DE",
    "ein": "123456789",
    "entityType": "Corporation",
    "contact": {
      "fullName": {
        "first": "Richard",
        "last": "Hendricks"
      },
      "email": "richard@piedpiper.com",
      "phone": {
        "countryCode": "1",
        "number": "1555555578"
      }
    },
    "authorizedUsers": [
      {
        "fullName": {
          "first": "Jared",
          "last": "Dunn"
        },
        "email": "jared@piedpiper.com",
        "phone": {
          "countryCode": "1",
          "number": "1555555590"
        }
      },
      {
        "fullName": {
          "first": "Nelson",
          "last": "Bighetti"
        },
        "email": "nelson-bighetti@piedpiper.com",
        "phone": {
          "countryCode": "1",
          "number": "1234567891"
        }
      }
    ],
    "status": "Active",
    "tags": {
      "userId": "106a75e9-de77-4e25-9561-faffe59d7814"
    }
  },
  "relationships": {
    "org": {
      "data": {
        "type": "org",
        "id": "1"
      }
    },
    "application": {
      "data": {
        "type": "businessApplication",
        "id": "1"
      }
    },
    "authorizedUserResources": {
      "data": [
        {
          "type": "authorizedUserResource",
          "id": "1"
        },
        {
          "type": "authorizedUserResource",
          "id": "2"
        }
      ]
    }
  }
}

BusinessFBOCustomer

BusinessFBOCustomer is a JSON:API resource, describing the business fbo customer. Top-level fields:

Field	type	Description
id	string	Identifier of the business resource.
type	string	Type of the resource, the value is always businessFBOCustomer.
attributes	JSON Object	JSON object representing the business data.
relationships	JSON:API Relationships	Describes relationships between the customer resource, the Org it belongs to, and the Application it was created by.

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the resource was created.
businessName	string	Name of the business.
name	string	The offical name
businessVertical	BusinessVertical	The business vertical of the business.
bankName	string	the name of the bank.
numberOfEmployees	NumberOfEmployees	Number of employees of the business.
address	Address	Address of the business.
tags	object	Optional. See Tags.
authorizedUsers	Array of AuthorizedUser	Array of authorized users. An authorized user is someone who can participate in the One Time Password (OTP) authentication process.

Relationships

Name	Type	Description
org	JSON:API Relationship	The Org of the business.
authorizedUserResources	JSON:API Relationship	A list of the related AuthorizedUser.

Example BusinessFBOCustomer resource:

{
  "type": "businessFBOCustomer",
  "id": "1",
  "attributes": {
    "createdAt": "2023-07-23T09:13:18.926Z",
    "businessName": "Pied Piper",
    "name": "Piermont for the benefit of Pied Piper",
    "businessVertical": "RepairAndMaintenance",
    "bankName": "Piermont",
    "numberOfEmployees": "Between10And50",
    "address": {
      "street": "1463 41st Avenue",
      "city": "San Francisco",
      "state": "CA",
      "postalCode": "94122",
      "country": "US"
    },
    "tags": {},
    "authorizedUsers": [
      {
        "fullName": {
          "first": "Erlich",
          "last": "Backman"
        },
        "email": "erlich-backman@piedpiper.com",
        "phone": {
          "countryCode": "1",
          "number": "1234567890"
        }
      },
      {
        "fullName": {
          "first": "Nelson",
          "last": "Bighetti"
        },
        "email": "nelson-bighetti@piedpiper.com",
        "phone": {
          "countryCode": "1",
          "number": "1234567891"
        }
      }
    ]
  },
  "relationships": {
    "org": {
      "data": {
        "type": "org",
        "id": "1"
      }
    },
    "authorizedUserResources": {
      "data": [
        {
          "type": "authorizedUserResource",
          "id": "1"
        },
        {
          "type": "authorizedUserResource",
          "id": "2"
        }
      ]
    }
  }
}

BusinessWalletCustomer

BusinessWalletCustomer is a JSON:API resource, describing the business wallet customer. Top-level fields:

Field	type	Description
id	string	Identifier of the business wallet customer resource.
type	string	Type of the resource, the value is always businessWalletCustomer.
attributes	JSON Object	JSON object representing the business data.
relationships	JSON:API Relationships	Describes relationships between the customer resource and the Org it belongs to.

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the resource was created.
bankName	string	The name of the bank partner this customer is about to create a wallet under.
businessName	string	The name of the business this customer represents.
name	string	The offical name.
address	Address	Address of the business.
ein	string	Business EIN (numbers only).
businessVertical	BusinessVertical	The business vertical of the business.
numberOfEmployees	NumberOfEmployees	The number of employees working for this business.
tags	object	Optional. See Tags.

Relationships

Name	Type	Description
org	JSON:API Relationship	The Org of the business.

Example BusinessWalletCustomer resource:

{
  "type": "businessWalletCustomer",
  "id": "42",
  "attributes": {
    "createdAt": "2023-07-23T09:13:18.926Z",
    "bankName": "myBankName",
    "businessName": "Sirius & Snape Inc.",
    "name": "Sirius & Snape Inc.",
    "address": {
      "street": "5230 Newell Rd",
      "city": "Palo Alto",
      "state": "CA",
      "postalCode": "94303",
      "country": "US"
    },
    "ein": "123456789",
    "businessVertical": "TechnologyMediaOrTelecom",
    "numberOfEmployees": "Between10And50",
    "tags": {
      "purpose": "Sirius & Snape Inc."
    }
  },
  "relationships": {
    "org": {
      "data": {
        "type": "org",
        "id": "1"
      }
    }
  }
}

DepositAccount

DepositAccount is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the deposit account resource.
type	string	Type of the resource, the value is always depositAccount.
attributes	JSON Object	JSON object representing the deposit account data.
relationships	JSON:API Relationships	Describes relationships between the deposit account resource and the customer.

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
updatedAt	RFC3339 Date string	Optional. The date the resource was updated.
name	string	Name of the account holder.
depositProduct	string	The name of the deposit product.
routingNumber	string	Routing number of account.
accountNumber	string	Account number, together with the routingNumber forms the identifier of the account on the ACH network.
currency	string	Currency of the account.
balance	integer	The balance amount (in cents). The balance represents the funds that are currently in the account (not taking into account future commitments). The balance equals the sum of 'available' and 'hold'.
hold	integer	The hold amount (in cents). The hold represents funds that are not available for spending, due to an outstanding card authorization.
available	integer	The available balance for spending (in cents). Equals the balance minus the hold amount.
tags	object	See Tags.
status	string	Status of the account, either Open, Frozen, or Closed.
freezeReason	string	Optional. The reason the account was frozen, either Fraud, ByBank, or free-text description.
closeReason	string	Optional. The reason the account was closed, either ByCustomer,Fraud or ByBank.
fraudReason	string	Optional. The expanded fraud reason for closing the account when Fraud is specified as the reason. Can be one of: (ACHActivity, CardActivity, CheckActivity, ApplicationHistory, AccountActivity, ClientIdentified, IdentityTheft, LinkedToFraudulentCustomer).
dacaStatus	string	Optional. The account DACA (Deposit Account Control Agreements) status. Can be one of: Entered, Activated.

note

The currency is currently always set to USD. The balance, hold and available amounts are represented in cents.

Relationships

Name	Type	Description
customer	Optional, populated if account has a single owner. JSON:API Relationship	The customer.
customers	Optional, populated if account has multiple owners.

Example DepositAccount Resource:

{
  "type": "depositAccount",
  "id": "1",
  "attributes": {
    "createdAt": "2000-05-11T10:19:30.409Z",
    "name": "Peter Parker",
    "status": "Open",
    "depositProduct": "checking",
    "routingNumber": "812345678",
    "accountNumber": "1000000002",
    "currency": "USD",
    "balance": 10000,
    "hold": 0,
    "available": 10000,
    "tags": {
      "purpose": "checking"
    }
  },
  "relationships": {
    "customer": {
      "data": {
        "type": "customer",
        "id": "45555"
      }
    }
  }
}

FinancialBusinessFBOAccount

FinancialBusinessFBOAccount is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the deposit account resource.
type	string	Type of the resource, the value is always financialBusinessFBOAccount.
attributes	JSON Object	JSON object representing the financial business fbo account data.
relationships	JSON:API Relationships	Describes relationships between the financial business fbo account resource and the customer.

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
updatedAt	RFC3339 Date string	Optional. The date the resource was updated.
name	string	The offical name.
depositProduct	string	The name of the deposit product.
routingNumber	string	Routing number of account.
accountNumber	string	Account number, together with the routingNumber forms the identifier of the account on the ACH network.
currency	string	Currency of the account.
balance	integer	The balance amount (in cents). The balance represents the funds that are currently in the account (not taking into account future commitments). The balance equals the sum of 'available' and 'hold'.
hold	integer	The hold amount (in cents). The hold represents funds that are not available for spending, due to an outstanding card authorization.
available	integer	The available balance for spending (in cents). Equals the balance minus the hold amount.
tags	object	See Tags.
status	string	Status of the account, either Open, Frozen, or Closed.
freezeReason	string	Optional. The reason the account was frozen, either Fraud, ByBank, or free-text description.
closeReason	string	Optional. The reason the account was closed, either ByCustomer or Fraud.
fraudReason	string	Optional. The expanded fraud reason for closing the account when Fraud is specified as the reason. Can be one of: (ACHActivity, CardActivity, CheckActivity, ApplicationHistory, AccountActivity, ClientIdentified, IdentityTheft, LinkedToFraudulentCustomer).
dacaStatus	string	Optional. The account DACA (Deposit Account Control Agreements) status. Can be one of: Entered, Activated.

note

The currency is currently always set to USD. The balance, hold and available amounts are represented in cents.

Relationships

Name	Type	Description
customer	JSON:API Relationship	The customer.

Example FinancialBusinessFBOAccount Resource:

{
  "type": "financialBusinessFBOAccount",
  "id": "1",
  "attributes": {
    "createdAt": "2023-07-12T10:19:30.409Z",
    "name": "Blue Ridge for the benefit of Pied Piper Inc.",
    "status": "Open",
    "depositProduct": "checking",
    "routingNumber": "812345678",
    "accountNumber": "1000000002",
    "currency": "USD",
    "balance": 10000,
    "hold": 0,
    "available": 10000,
    "tags": {
      "purpose": "fbo"
    }
  },
  "relationships": {
    "customer": {
      "data": {
        "type": "customer",
        "id": "8"
      }
    }
  }
}

WalletAccount

WalletAccount is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the wallet account resource.
type	string	Type of the resource, the value is always walletAccount.
attributes	JSON Object	JSON object representing the wallet account data.
relationships	JSON:API Relationships	Describes relationships between the wallet account resource and the customer.

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
name	string	The offical name.
status	string	Status of the account, either Open, Frozen, or Closed.
walletTerms	string	The name of the wallet terms.
routingNumber	string	Routing number of wallet.
accountNumber	string	Account number, together with the routingNumber forms the identifier of the wallet on the ACH network.
currency	string	Currency of the wallet.
balance	integer	The balance amount (in cents). The balance represents the funds that are currently in the wallet (not taking into account future commitments). The balance equals the sum of 'available' and 'hold'.
hold	integer	The hold amount (in cents). The hold represents funds that are not available for spending, due to an outstanding card authorization.
available	integer	The available balance for spending (in cents). Equals the balance minus the hold amount.
tags	object	See Tags.
freezeReason	string	Optional. The reason the wallet was frozen, either Fraud, ByBank, or free-text description.
closeReason	string	Optional. The reason the wallet was closed, either ByCustomer or Fraud.
fraudReason	string	Optional. The expanded fraud reason for closing the wallet when Fraud is specified as the reason. Can be one of: (ACHActivity, CardActivity, CheckActivity, ApplicationHistory, AccountActivity, ClientIdentified, IdentityTheft, LinkedToFraudulentCustomer).

note

The currency is currently always set to USD. The balance, hold and available amounts are represented in cents.

Relationships

Name	Type	Description
customer	JSON:API Relationship	The customer.

Example WalletAccount Resource:

{
  "type": "walletAccount",
  "id": "42",
  "attributes": {
    "createdAt": "2000-05-11T10:19:30.409Z",
    "name": "Peter Parker",
    "status": "Open",
    "walletTerms": "walletDefault",
    "routingNumber": "812345678",
    "accountNumber": "1000000002",
    "currency": "USD",
    "balance": 10000,
    "hold": 0,
    "available": 10000,
    "tags": {
      "purpose": "Healthcare"
    }
  },
  "relationships": {
    "customer": {
      "data": {
        "type": "customer",
        "id": "45555"
      }
    }
  }
}

CreditAccount

CreditAccount is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the credit account resource.
type	string	Type of the resource. Currently only creditAccount is supported.
attributes	JSON Object	JSON object representing the credit account data.
relationships	JSON:API Relationships	Describes relationships between the credit account resource and the customer.

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
updatedAt	RFC3339 Date string	Optional. The date the resource was updated.
name	string	Name of the account holder.
creditTerms	string	The selected credit terms.
currency	string	Currency of the account.
creditLimit	integer	The credit limit (cents).
balance	integer	The balance amount (cents). The balance represents the funds that are currently in the account (not taking into account future commitments). The balance equals the sum of settled transactions minus any repayments.
hold	integer	The hold amount (cents). The hold represents funds that are not available for spending, due to an outstanding card authorization.
available	integer	The available balance for spending (cents). Equals the credit limit, minus the balance and hold amounts.
tags	object	See Tags.
status	string	Status of the account, either Open, Frozen, or Closed.
freezeReason	string	Optional. The reason the account was frozen, either Fraud, ByBank, or free-text description.
closeReason	string	Optional. The reason the account was closed, either ByCustomer, Overdue or Fraud.
closeReasonText	string	Optional. An expanded free-text reason for account closure.
fraudReason	string	Optional. The expanded fraud reason for closing the account when Fraud is specified as the reason. Can be one of: (ACHActivity, CardActivity, CheckActivity, ApplicationHistory, AccountActivity, ClientIdentified, IdentityTheft, LinkedToFraudulentCustomer).

note

The currency is currently always set to USD. The balance, hold and available amounts are represented in cents.

Relationships

Name	Type	Description
customer	Optional, populated if account has a single owner. JSON:API Relationship	The customer.

Example CreditAccount Resource:

{
  "data": {
    "type": "creditAccount",
    "id": "42",
    "attributes": {
      "createdAt": "2000-05-11T10:19:30.409Z",
      "name": "Peter Parker",
      "status": "Open",
      "creditTerms": "credit_terms_1",
      "currency": "USD",
      "balance": 10000,
      "hold": 0,
      "available": 10000,
      "tags": {
        "purpose": "some_purpose"
      },
      "creditLimit": 200000
    },
    "relationships": {
      "customer": {
        "data": {
          "type": "customer",
          "id": "45555"
        }
      },
      "org": {
        "data": {
          "type": "org",
          "id": "1"
        }
      }
    }
  }
}

IndividualDebitCard

IndividualDebitCard is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the card resource.
type	string	Type of the card resource. For individual debit card the value is always individualDebitCard.
attributes	JSON Object	JSON object representing the card data.
relationships	JSON:API Relationships	Describes relationships between the card resource and other resources (account and customer).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the resource was created.
updatedAt	RFC3339 Date string	Optional. The date the resource was updated.
last4Digits	string	Last 4 digits of the debit card.
expirationDate	string	Card expiration date, formatted YYYY-MM, e.g "2020-05".
shippingAddress	Address	Optional. Shipping address, if specified.
bin	string	9-digit Bank Identification Number (BIN).
status	string	Status of the card, one of: Active, Inactive, Stolen, Lost, Frozen, ClosedByCustomer, SuspectedFraud.
design	string	Optional. Card design, if specified.

Relationships

Field	type	Description
account	JSON:API Relationship	The account the card belongs to.
customer	JSON:API Relationship	The individual or business customer the card belongs to.

Example IndividualDebitCard resource:

{
  "type": "individualDebitCard",
  "id": "8",
  "attributes": {
    "createdAt": "2020-05-13T09:07:47.645Z",
    "last4Digits": "1234",
    "expirationDate": "2022-05",
    "bin": "123456789",
    "shippingAddress": {
      "street": "5230 Newell Rd",
      "street2": null,
      "city": "Palo Alto",
      "state": "CA",
      "postalCode": "94303",
      "country": "US"
    },
    "status": "Active"
  },
  "relationships": {
    "account": {
      "data": {
        "type": "depositAccount",
        "id": "2"
      }
    },
    "customer": {
      "data": {
        "type": "individualCustomer",
        "id": "2"
      }
    }
  }
}

BusinessDebitCard

BusinessDebitCard is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the card resource.
type	string	Type of the card resource. For business debit card the value is always BusinessDebitCard.
attributes	JSON Object	JSON object representing the card data.
relationships	JSON:API Relationships	Describes relationships between the card resource and other resources (account and customer).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the resource was created.
updatedAt	RFC3339 Date string	Optional. The date the resource was updated.
last4Digits	string	Last 4 digits of the debit card.
expirationDate	string	Card expiration date, formatted YYYY-MM, e.g "2020-05".
shippingAddress	Address	Optional. Shipping address, if specified.
ssn	string	Optional. SSN of the card holder (numbers only), if specified during card creation.
passport	string	Optional. Passport number of the card holder, if specified during card creation.
nationality	ISO31661-Alpha2 string	Always when Passport is populated and optional when SSN is populated. Two letters representing the card holder nationality. (e.g. "US").
fullName	FullName	Full name of the card holder.
dateOfBirth	RFC3339 Date string	Date of birth of the card holder (e.g. "2001-08-15").
address	Address	Address of the card holder.
bin	string	9-digit Bank Identification Number (BIN).
phone	Phone	Phone of the card holder.
email	string	Email address of the card holder.
status	string	Status of the card, one of: Active, Inactive, Stolen, Lost, Frozen, ClosedByCustomer, SuspectedFraud.
design	string	Optional. Card design, if specified.

Relationships

Field	type	Description
account	JSON:API Relationship	Account the card belong to.
customer	JSON:API Relationship	Holder of the account.

Example BusinessDebitCard resource:

{
  "type": "businessDebitCard",
  "id": "9",
  "attributes": {
    "createdAt": "2020-05-13T09:42:21.857Z",
    "last4Digits": "2074",
    "expirationDate": "2022-05",
    "bin": "123456789",
    "shippingAddress": {
      "street": "5230 Newell Rd",
      "street2": null,
      "city": "Palo Alto",
      "state": "CA",
      "postalCode": "94303",
      "country": "US"
    },
    "address": {
      "street": "5230 Newell Rd",
      "street2": null,
      "city": "Palo Alto",
      "state": "CA",
      "postalCode": "94303",
      "country": "US"
    },
    "fullName": {
      "first": "Richard",
      "last": "Hendricks"
    },
    "phone": {
      "countryCode": "1",
      "number": "1555555578"
    },
    "email": "richard@piedpiper.com",
    "dateOfBirth": "2001-08-10",
    "ssn": "123456789",
    "status": "Active"
  },
  "relationships": {
    "account": {
      "data": {
        "type": "depositAccount",
        "id": "1"
      }
    },
    "customer": {
      "data": {
        "type": "businessCustomer",
        "id": "1"
      }
    }
  }
}

IndividualVirtualDebitCard

IndividualVirtualDebitCard is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the card resource.
type	string	Type of the card resource. For individual virtual debit card the value is always individualVirtualDebitCard.
attributes	JSON Object	JSON object representing the card data.
relationships	JSON:API Relationships	Describes relationships between the card resource and other resources (account and customer).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the resource was created.
updatedAt	RFC3339 Date string	Optional. The date the resource was updated.
last4Digits	string	Last 4 digits of the debit card.
expirationDate	string	Card expiration date, formatted YYYY-MM, e.g "2020-05".
bin	string	9-digit Bank Identification Number (BIN).
status	string	Status of the card, one of: Active, Inactive, Stolen, Lost, Frozen, ClosedByCustomer, SuspectedFraud.

Relationships

Field	type	Description
account	JSON:API Relationship	The account the card belongs to.
customer	JSON:API Relationship	The individual or business customer the card belongs to.

Example IndividualVirtualDebitCard resource:

{
  "type": "individualVirtualDebitCard",
  "id": "8",
  "attributes": {
    "createdAt": "2020-05-13T09:07:47.645Z",
    "last4Digits": "1234",
    "expirationDate": "2022-05",
    "bin": "123456789",
    "status": "Active"
  },
  "relationships": {
    "account": {
      "data": {
        "type": "depositAccount",
        "id": "2"
      }
    },
    "customer": {
      "data": {
        "type": "individualCustomer",
        "id": "2"
      }
    }
  }
}

BusinessVirtualDebitCard

BusinessVirtualDebitCard is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the card resource.
type	string	Type of the card resource. For business virtual debit card the value is always businessVirtualDebitCard.
attributes	JSON Object	JSON object representing the card data.
relationships	JSON:API Relationships	Describes relationships between the card resource and other resources (account and customer).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the resource was created.
updatedAt	RFC3339 Date string	Optional. The date the resource was updated.
last4Digits	string	Last 4 digits of the debit card.
expirationDate	string	Card expiration date, formatted YYYY-MM, e.g "2020-05".
ssn	string	Optional. SSN of the card holder (numbers only), if specified during card creation.
passport	string	Optional. Passport number of the card holder, if specified during card creation.
nationality	ISO31661-Alpha2 string	Always when Passport is populated and optional when SSN is populated. Two letters representing the card holder nationality. (e.g. "US").
fullName	FullName	Full name of the card holder.
dateOfBirth	RFC3339 Date string	Date of birth of the card holder (e.g. "2001-08-15").
address	Address	Address of the card holder.
bin	string	9-digit Bank Identification Number (BIN).
phone	Phone	Phone of the card holder.
email	string	Email address of the card holder.
status	string	Status of the card, one of: Active, Inactive, Stolen, Lost, Frozen, ClosedByCustomer, SuspectedFraud.

Relationships

Field	type	Description
account	JSON:API Relationship	Account the card belong to.
customer	JSON:API Relationship	Holder of the account.

Example BusinessVirtualDebitCard resource:

{
  "type": "businessVirtualDebitCard",
  "id": "9",
  "attributes": {
    "createdAt": "2020-05-13T09:42:21.857Z",
    "last4Digits": "2074",
    "expirationDate": "2022-05",
    "bin": "123456789",
    "address": {
      "street": "5230 Newell Rd",
      "street2": null,
      "city": "Palo Alto",
      "state": "CA",
      "postalCode": "94303",
      "country": "US"
    },
    "fullName": {
      "first": "Richard",
      "last": "Hendricks"
    },
    "phone": {
      "countryCode": "1",
      "number": "1555555578"
    },
    "email": "richard@piedpiper.com",
    "dateOfBirth": "2001-08-10",
    "ssn": "123456789",
    "status": "Active"
  },
  "relationships": {
    "account": {
      "data": {
        "type": "depositAccount",
        "id": "1"
      }
    },
    "customer": {
      "data": {
        "type": "businessCustomer",
        "id": "1"
      }
    }
  }
}

Counterparty Balance

Counterparty is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the Counterparty.
type	string	Type of the balance. for counterparty balance the value is always counterpartyBalance.
attributes	JSON Object	JSON object representing the counterparty balance resource.
relationships	JSON:API Relationships	Describes relationships between the counterparty balance and the customer and counterparty.

Attributes

Name	Type	Description
balance	number	The current balance amount (in cents) of the counterparty.
available	number	Optional. The available balance amount (in cents) of the counterparty.

Relationships

Name	Type	Description
counterparty	JSON:API Relationship	The counterparty the balance belongs to.
customer	JSON:API Relationship	The customer the counterparty belongs to.

Example Counterparty Balance resource:

{
  "data": {
    "type": "counterpartyBalance",
    "id": "2",
    "attributes": {
      "balance": 11000,
      "available": 10000
    },
    "relationships": {
      "counterparty": {
        "data": {
          "type": "counterparty",
          "id": "2"
        }
      },
      "customer": {
        "data": {
          "type": "customer",
          "id": "10000"
        }
      }
    }
  }
}

ACH Counterparty

Counterparty is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the ACH counterparty resource.
type	string	Type of the ACH counterparty resource.
attributes	JSON Object	JSON object representing the counterparty resource.
relationships	JSON:API Relationships	Describes relationships between the ACH counterparty and the originating customer.

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
name	string	The account holder's name (whether an individual or a business).
routingNumber	string	Valid 9-digit ABA routing transit number.
bank	string	Name of the bank.
accountNumber	string	Bank account number.
accountType	string	Either Checking, Savings or Loan.
type	string	Either Business, Person or Unknown.
permissions	string	Either CreditOnly or CreditAndDebit.
tags	object	See Tags.

Relationships

Name	Type	Description
customer	JSON:API Relationship	The customer the counterparty belongs to.

Example Counterparty resource:

{
  "type": "achCounterparty",
  "id": "8",
  "attributes": {
    "createdAt": "2020-05-13T09:07:47.645Z",
    "name": "Joe Doe",
    "routingNumber": "011000138",
    "bank": "Bank Of America",
    "accountNumber": "123",
    "accountType": "Checking",
    "type": "Person",
    "permissions": "CreditOnly"
  },
  "relationships": {
    "customer": {
      "data": {
        "type": "customer",
        "id": "111111"
      }
    }
  }
}

ACH Payment

AchPayment is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the ACH payment resource.
type	string	Type of the payment resource. For originations the value is achPayment.
attributes	JSON Object	JSON object representing the payment resource.
relationships	JSON:API Relationships	Describes relationships between the ACH payment and the originating deposit account and customer.

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
status	string	One of Pending,Pending Review, Rejected, Clearing, Sent, Canceled, Returned. See ACH Status.
reason	string	Optional. More information about the status.
counterparty	Counterparty	The party on the other side of the ACH payment.
direction	string	The direction in which the funds flow (either Debit or Credit).
description	string	Payment description (maximum of 10 characters), also known as Company Entry Description, this will show up on statement of the counterparty.
addenda	string	Optional, additional payment description (maximum of 50 characters), not all institutions present that.
amount	integer	The amount (cents) of the payment.
settlementDate	RFC3339 Date string	Optional, for ACH debit with statuses Pending,Clearing, shows the date on which the payment will be settled.
expectedCompletionDate	RFC3339 Date string	Optional, for ACH credit with statuses Pending,Sent, shows the date on which the counterparty will handle the request.
tags	object	See Tags.
counterpartyVerificationMethod	string	Optional, shows the verification method of the counterparty : 'Plaid'.
sameDay	boolean	Indicates whether the payment is a Same Day ACH payment. See Same Day ACH.
secCode	string	The 3-letter ACH Standard Entry Class (SEC) Code. One of WEB, CCD, PPD.

Relationships

Name	Type	Description
account	JSON:API Relationship	The Deposit Account originating the transfer.
customer	OptionalJSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.
counterparty	JSON:API Relationship	The Counterparty the payment to be made to.
transaction	JSON:API Relationship	Optional. The transaction generated by this payment. Generated instantly in cases where a credit ach payment is converted to a book payment, otherwise, once the payment is sent.
recurringPayment	Optional, JSON:API Relationship	The recurring payment belonging to this payment.

Example AchPayment resource:

{
  "data": {
    "type": "achPayment",
    "id": "50",
    "attributes": {
      "createdAt": "2020-01-13T16:01:19.346Z",
      "status": "Pending",
      "counterparty": {
        "routingNumber": "812345678",
        "accountNumber": "12345569",
        "accountType": "Checking",
        "name": "Jane Doe"
      },
      "description": "Funding",
      "direction": "Credit",
      "amount": 10000,
      "sameDay": false,
      "secCode": "WEB"
    },
    "relationships": {
      "account": {
        "data": {
          "type": "depositAccount",
          "id": "555"
        }
      },
      "customer": {
        "data": {
          "type": "individualCustomer",
          "id": "99823"
        }
      },
      "counterparty": {
        "data": {
          "type": "counterparty",
          "id": "4567"
        }
      },
      "transaction": {
        "data": {
          "type": "transaction",
          "id": "4003"
        }
      }
    }
  }
}

Recurring Credit ACH Payment

RecurringCreditAchPayment is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the recurring Credit ACH payment resource.
type	string	Type of the payment resource. For credit ach recurring payments the value is recurringCreditAchPayment.
attributes	JSON Object	JSON object representing the recurring payment resource.
relationships	JSON:API Relationships	Describes relationships between the Recurring Credit ACH payment and the originating deposit account and org.

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
updatedAt	RFC3339 Date string	The date the resource was updated.
amount	integer	The amount (cents) of the payment.
description	string	Payment description (maximum of 10 characters), also known as Company Entry Description, this will show up on statement of the counterparty.
addenda	string	Optional, additional payment description (maximum of 80 characters), not all institutions present that.
status	string	Status of the recurring payment, one of: Active, Completed, Disabled.
numberOfPayments	integer	Represents the number of payments that were created by this recurring payment.
schedule	Schedule	The schedule of the recurring payment.
tags	object	See Tags.

Relationships

Name	Type	Description
account	JSON:API Relationship	The Deposit Account originating the recurring payment.
org	JSON:API Relationship	The org the customer belongs to.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
counterparty	JSON:API Relationship	The Counterparty the payment to be made to.

Example RecurringCreditAchPayment resource:

{
  "data": {
    "type": "recurringCreditAchPayment",
    "id": "1",
    "attributes": {
      "createdAt": "2022-06-25T08:50:49.391Z",
      "updatedAt": "2022-06-25T08:50:49.391Z",
      "amount": 1000,
      "description": "Rent - Apartment 15",
      "schedule": {
        "startTime": "2022-06-25",
        "interval": "Monthly",
        "nextScheduledAction": "2022-07-18",
        "dayOfMonth": 16
      },
      "status": "Active",
      "numberOfPayments": 0
    },
    "relationships": {
      "counterparty": {
        "data": {
          "type": "counterparty",
          "id": "1"
        }
      },
      "account": {
        "data": {
          "type": "account",
          "id": "10002"
        }
      },
      "customer": {
        "data": {
          "type": "customer",
          "id": "10004"
        }
      },
      "org": {
        "data": {
          "type": "org",
          "id": "1"
        }
      }
    }
  }
}

Recurring Debit ACH Payment

RecurringDebitAchPayment is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the recurring Credit ACH payment resource.
type	string	Type of the payment resource. For credit ach recurring payments the value is recurringCreditAchPayment.
attributes	JSON Object	JSON object representing the recurring payment resource.
relationships	JSON:API Relationships	Describes relationships between the Recurring Credit ACH payment and the originating deposit account and org.

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
updatedAt	RFC3339 Date string	The date the resource was updated.
amount	integer	The amount (cents) of the payment.
description	string	Payment description (maximum of 10 characters), also known as Company Entry Description, this will show up on statement of the counterparty.
addenda	string	Optional, additional payment description (maximum of 80 characters), not all institutions present that.
status	string	Status of the recurring payment, one of: Active, Completed, Disabled.
numberOfPayments	integer	Represents the number of payments that were created by this recurring payment.
schedule	Schedule	The schedule of the recurring payment.
tags	object	See Tags.

Relationships

Name	Type	Description
account	JSON:API Relationship	The Deposit Account originating the recurring payment.
org	JSON:API Relationship	The org the customer belongs to.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
counterparty	JSON:API Relationship	The Counterparty the payment to be made to.

Example RecurringCreditAchPayment resource:

{
  "data": {
    "type": "recurringDebitAchPayment",
    "id": "1",
    "attributes": {
      "createdAt": "2022-06-25T08:50:49.391Z",
      "updatedAt": "2022-06-25T08:50:49.391Z",
      "amount": 1000,
      "description": "Rent - Apartment 15",
      "schedule": {
        "startTime": "2022-06-25",
        "interval": "Monthly",
        "nextScheduledAction": "2022-07-18",
        "dayOfMonth": 16
      },
      "status": "Active",
      "numberOfPayments": 0
    },
    "relationships": {
      "counterparty": {
        "data": {
          "type": "counterparty",
          "id": "1"
        }
      },
      "account": {
        "data": {
          "type": "account",
          "id": "10002"
        }
      },
      "customer": {
        "data": {
          "type": "customer",
          "id": "10004"
        }
      },
      "org": {
        "data": {
          "type": "org",
          "id": "1"
        }
      }
    }
  }
}

Book Payment

BookPayment is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the book payment resource.
type	string	Type of the payment resource. The value is always bookPayment.
attributes	JSON Object	JSON object representing the payment resource.
relationships	JSON:API Relationships	Describes relationships between the Book payment and the originating deposit account and customer.

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
status	string	Either Sent or Rejected (see reason for details).
reason	string	Optional. More information about the status.
direction	string	The direction in which the funds flow (either Debit or Credit).
description	string	Payment description (maximum of 80 characters), this will show up on statement of the counterparty.
transactionSummaryOverride	string	If this field is populated, its contents will be returned as the bookTransaction’s summary field (maximum of 100 characters).
amount	string	The amount (cents) of the payment.
tags	object	See Tags.

Relationships

Name	Type	Description
account	JSON:API Relationship	The Deposit Account creating the payment.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to a multiple individual customers.
counterpartyAccount	JSON:API Relationship	The Counterparty account the payment to be made to.
counterpartyCustomer	JSON:API Relationship	The Customer the counterparty account belongs to. The customer is either a business or an individual, might be empty if there is more than one associated customer.
transaction	JSON:API Relationship	The Book Transaction generated by this payment.
recurringPayment	Optional, JSON:API Relationship	The recurring payment belonging to this payment.

Example BookPayment resource:

{
  "data": {
    "type": "bookPayment",
    "id": "1232",
    "attributes": {
      "createdAt": "2021-02-21T13:03:19.025Z",
      "amount": 1500,
      "direction": "Credit",
      "description": "Funding",
      "status": "Sent"
    },
    "relationships": {
      "account": {
        "data": {
          "type": "account",
          "id": "555"
        }
      },
      "customer": {
        "data": {
          "type": "customer",
          "id": "10000"
        }
      },
      "counterpartyAccount": {
        "data": {
          "type": "account",
          "id": "99821"
        }
      },
      "counterpartyCustomer": {
        "data": {
          "type": "customer",
          "id": "10000"
        }
      },
      "transaction": {
        "data": {
          "type": "transaction",
          "id": "1413"
        }
      }
    }
  }
}

Recurring Credit Book Payment

RecurringCreditBookPayment is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the recurring credit book payment resource.
type	string	Type of the payment resource. The value is always recurringCreditBookPayment.
attributes	JSON Object	JSON object representing the payment resource.
relationships	JSON:API Relationships	Describes relationships between the recurring credit book payment and the originating deposit account and org.

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
updatedAt	RFC3339 Date string	The date the resource was updated.
amount	string	The amount (cents) of the payment.
description	string	Payment description (maximum of 80 characters), this will show up on statement of the counterparty.
status	string	Status of the recurring payment, one of: Active, Completed, Disabled.
numberOfPayments	integer	Represents the number of payments that were created by this recurring payment.
schedule	Schedule	The schedule of the recurring payment.
transactionSummaryOverride	string	If this field is populated, its contents will be returned as the bookTransaction’s summary field (maximum of 100 characters).
tags	object	See Tags.

Relationships

Name	Type	Description
account	JSON:API Relationship	The Deposit Account creating the recurring payment.
counterpartyAccount	JSON:API Relationship	The Counterparty account the payment to be made to.
org	JSON:API Relationship	The org the customer belongs to.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.

Example RecurringBookPayment resource:

{
  "data": {
    "type": "recurringCreditBookPayment",
    "id": "4",
    "attributes": {
      "createdAt": "2022-06-25T14:27:41.093Z",
      "updatedAt": "2022-06-25T14:27:41.093Z",
      "amount": 40,
      "description": "Subscription - Basic Plan",
      "schedule": {
        "startTime": "2022-06-25",
        "interval": "Monthly",
        "nextScheduledAction": "2022-07-05",
        "dayOfMonth": 5
      },
      "status": "Active",
      "tags": {
        "test": "test"
      },
      "numberOfPayments": 0
    },
    "relationships": {
      "org": {
        "data": {
          "type": "org",
          "id": "1"
        }
      },
      "account": {
        "data": {
          "type": "account",
          "id": "10002"
        }
      },
      "counterpartyAccount": {
        "data": {
          "type": "account",
          "id": "10000"
        }
      },
      "customer": {
        "data": {
          "type": "customer",
          "id": "10004"
        }
      }
    }
  }
}

Wire Payment

WirePayment is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the wire payment resource.
type	string	Type of the payment resource. The value is always wirePayment.
attributes	JSON Object	JSON object representing the payment resource.
relationships	JSON:API Relationships	Describes relationships between the Wire payment and the originating deposit account, customer and transaction.

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
status	string	Either Pending, Returned, Sent or Rejected (see reason for details).
reason	string	Optional. More information about the status.
direction	string	The direction in which the funds flow (Credit only).
description	string	Payment description (maximum of 50 characters), this will show up on statement of the counterparty.
counterparty	Wire Counterparty	The beneficiary party on the other end of the payment.
amount	string	The amount (cents) of the payment.
tags	object	See Tags.
imadOmad	object	(Conditional) IMAD/OMAD - Input/Output Message Accountability Data. It's a unique number given to each FedWire payment in case of payment has been sent and fully processed.

Relationships

Name	Type	Description
account	JSON:API Relationship	The Deposit Account creating the payment.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to a multiple individual customers.
transaction	JSON:API Relationship	The Wire Transaction generated by this payment.

Example WirePayment resource:

{
  "data": {
    "type": "wirePayment",
    "id": "3",
    "attributes": {
      "createdAt": "2021-10-05T06:33:45.035Z",
      "amount": 200,
      "direction": "Credit",
      "description": "Wire payment",
      "counterparty": {
        "name": "April Oniel",
        "routingNumber": "812345678",
        "accountNumber": "1000000001",
        "address": {
          "street": "20 Ingram St",
          "city": "Forest Hills",
          "state": "CA",
          "postalCode": "11375",
          "country": "US"
        }
      },
      "status": "Sent",
      "imadOmad": {
        "imad": "123456",
        "omad": "654321"
      }
    },
    "relationships": {
      "account": {
        "data": {
          "type": "account",
          "id": "10000"
        }
      },
      "customer": {
        "data": {
          "type": "customer",
          "id": "10000"
        }
      },
      "customers": {
        "data": [
          {
            "type": "customer",
            "id": "10000"
          }
        ]
      },
      "transaction": {
        "data": {
          "type": "transaction",
          "id": "1"
        }
      }
    }
  }
}

ACH Received Payment

AchReceivedPayment is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the received payment resource.
type	string	Type of the transaction resource. The value is always achReceivedPayment.
attributes	JSON Object	JSON object representing the transaction data.
relationships	JSON:API Relationships	Describes relationships between the transaction resource and other resources (account, customer related transactions).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the transaction was created. Common to all receive payment types.
status	string	The status of the Received Payment. One of Pending, PendingReview, MarkedForReturn, Advanced, Completed or Returned, see ReceivedPayment Statuses. Common to all received payment types.
wasAdvanced	boolean	Will be true if the received payment was or is being Advanced (has or has had the status Advanced). Common to all received payment types.
isAdvanceable	boolean	Will be true if the received payment can be advanced.
direction	string	The direction in which the funds flow (either Debit or Credit).
completionDate	RFC3339 Date string	Shows the date on which the received ACH will be completed(settled or repaid).
returnReason	string	Optional. The reason if the received payment is Returned. See ACH return reasons.
amount	integer	The amount (cents) of the ACH received payment. Common to all received payment types.
description	string	ACH description (maximum of 10 characters), also known as Company Entry Description.
addenda	string	Optional. Additional transaction description (maximum of 80 characters).
companyName	string	The name by which the originator is known to the receiver.
receivingEntityName	string	Optional. The name of the Recipient as it was declared by the originator of the payment.
counterpartyRoutingNumber	string	The routing number of the party that originated the received ACH payment.
traceNumber	string	The ACH Trace Number.
secCode	string	Optional. The 3-letter ACH Standard Entry Class (SEC) Code (e.g. WEB, CCD, PPD, etc.).
returnCutoffTime	RFC3339 Date string	Optional. The last time when a reprocess will be accepted. Will be the next banking day 2pm ET.
canBeReprocessed	boolean	Optional. If set to true, the Received Payment can be reprocessed until the returnCutoffTime. If empty, the Received Payments can’t be reprocessed.
tags	object	See Tags.

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account of the customer.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to, business or individual.
receivePaymentTransaction	Optional, JSON:API Relationship	The transaction of the received payment, created due to advance or when the ACH is processed.
paymentAdvanceTransaction	Optional, JSON:API Relationship	The transaction that funded the Advance from the provisional credit operating account, if the received payment was advanced.
repayPaymentAdvanceTransaction	Optional, JSON:API Relationship	The transaction that repaid the advance once the received payment is completed.
stopPayment	JSON:API Relationship	Optional. Available for payments that were stopped.

Example AchReceivedPayment resource:

{
  "type": "achReceivedPayment",
  "id": "1337",
  "attributes": {
    "createdAt": "2022-02-01T12:03:14.406Z",
    "status": "Completed",
    "wasAdvanced": true,
    "amount": 100000,
    "completionDate": "2022-01-23",
    "companyName": "Uber",
    "counterpartyRoutingNumber": "051402372",
    "description": "Sandbox Transaction",
    "traceNumber": "123456789123456",
    "secCode": "PPD",
    "returnCutoffTime": "2024-08-27T18:00:00.000Z",
    "canBeReprocessed": "true",
    "tags": {}
  },
  "relationships": {
    "account": {
      "data": {
        "type": "account",
        "id": "163555"
      }
    },
    "customer": {
      "data": {
        "type": "customer",
        "id": "129522"
      }
    },
    "receivePaymentTransaction": {
      "data": {
        "type": "transaction",
        "id": "101"
      }
    },
    "paymentAdvanceTransaction": {
      "data": {
        "type": "transaction",
        "id": "202"
      }
    },
    "repayPaymentAdvanceTransaction": {
      "data": {
        "type": "transaction",
        "id": "890"
      }
    }
  }
}

Declined Incoming Payment

DeclinedIncomingPayment is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the declined incoming payment resource.
type	string	Type of the declined incoming payment resource. The value is always declinedIncomingPayment.
attributes	JSON Object	JSON object representing the declined incoming payment resource.
relationships	JSON:API Relationships	Describes relationships between the declined incoming payment and the originating deposit account and customer.

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
reason	string	The reason for the transaction return. See ACH return reasons.
direction	string	The direction in which the funds flow (either Debit or Credit).
amount	integer	The amount (cents) of the payment.
type	string	Type of the payment resource.

Currently only AchPayment payment type is supported.

Relationships

Name	Type	Description
account	JSON:API Relationship	The Deposit Account originating the transfer.
customer	OptionalJSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.

Example DeclinedIncomingPayment resource:

{
  "data": {
    "type": "declinedIncomingPayment",
    "id": "1",
    "attributes": {
      "direction": "Credit",
      "amount": 10000,
      "reason": "NoAccount",
      "paymentType": "AchPayment",
      "createdAt": "2020-01-13T16:01:19.346Z"
    },
    "relationships": {
      "account": {
        "data": {
          "type": "account",
          "id": "555"
        }
      },
      "customer": {
        "data": {
          "type": "customer",
          "id": "99823"
        }
      }
    }
  }
}

ACH Repayment

AchRepayment is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the ACH repayment resource.
type	string	Type of the payment resource. For ach repayment the value is achRepayment.
attributes	JSON Object	JSON object representing the repayment resource.
relationships	JSON:API Relationships	Describes relationships between the ACH repayment and the originating deposit account, credit account and org.

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
updatedAt	RFC3339 Date string	The date the resource was updated.
amount	integer	The amount (cents) of the payment.
status	string	Either Pending, PendingReview, Returned, Sent or Rejected
tags	object	See Tags.

Relationships

Name	Type	Description
account	JSON:API Relationship	The Deposit Account originating the repayment.
creditAccount	JSON:API Relationship	The Credit Account the repayment is made for.
org	JSON:API Relationship	The org the customer belongs to.
customer	Optional, JSON:API Relationship	The Customer the credit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
counterparty	JSON:API Relationship	The Counterparty the repayment to be made from.
payment	JSON:API Relationship	The payment created between the account and the counterparty
recurringRepayment	JSON:API Relationship	Only present when re repayment was created through a Recurring Repayment.

Example AchRepayment resource:

{
  "data": {
    "type": "achRepayment",
    "id": "1",
    "attributes": {
      "createdAt": "2022-09-19T09:02:13.343Z",
      "updatedAt": "2022-09-19T09:02:13.343Z",
      "amount": 200,
      "status": "Pending"
    },
    "relationships": {
      "org": {
        "data": {
          "type": "org",
          "id": "1"
        }
      },
      "account": {
        "data": {
          "type": "account",
          "id": "10003"
        }
      },
      "counterparty": {
        "data": {
          "type": "counterparty",
          "id": "1"
        }
      },
      "creditAccount": {
        "data": {
          "type": "creditAccount",
          "id": "10007"
        }
      },
      "customer": {
        "data": {
          "type": "customer",
          "id": "10002"
        }
      },
      "payment": {
        "data": {
          "type": "payment",
          "id": "1"
        }
      },
      "recurringRepayment": {
        "data": {
          "type": "recurringRepayment",
          "id": "4"
        }
      }
    }
  }
}

Book Repayment

BookRepayment is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the Book repayment resource.
type	string	Type of the payment resource. For book repayment the value is bookRepayment.
attributes	JSON Object	JSON object representing book repayment resource.
relationships	JSON:API Relationships	Describes relationships between the book repayment and the originating deposit account, credit account and org.

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
updatedAt	RFC3339 Date string	The date the resource was updated.
amount	integer	The amount (cents) of the payment.
status	string	Either Sent or Rejected
tags	object	See Tags.

Relationships

Name	Type	Description
account	JSON:API Relationship	The Deposit Account originating the repayment.
creditAccount	JSON:API Relationship	The Credit Account the repayment is made for.
org	JSON:API Relationship	The org the customer belongs to.
customer	Optional, JSON:API Relationship	The Customer the credit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
counterpartyAccount	JSON:API Relationship	The Deposit Account the repayment to be made from.
payment	JSON:API Relationship	The payment created between the account and counterpartyAccount
recurringRepayment	JSON:API Relationship	Only present when re repayment was created through a Recurring Repayment.

Example BookRepayment resource:

{
  "data": {
    "type": "bookRepayment",
    "id": "5",
    "attributes": {
      "createdAt": "2022-09-19T09:33:16.254Z",
      "updatedAt": "2022-09-19T09:33:16.254Z",
      "amount": 20,
      "status": "Sent"
    },
    "relationships": {
      "counterparty": {
        "data": {
          "type": "account",
          "id": "10008"
        }
      },
      "account": {
        "data": {
          "type": "account",
          "id": "10006"
        }
      },
      "creditAccount": {
        "data": {
          "type": "creditAccount",
          "id": "10007"
        }
      },
      "customer": {
        "data": {
          "type": "customer",
          "id": "10002"
        }
      },
      "org": {
        "data": {
          "type": "org",
          "id": "2"
        }
      },
      "payment": {
        "data": {
          "type": "payment",
          "id": "6"
        }
      }
    }
  }
}

Capital Partner ACH Repayment

capitalPartnerAchRepayment is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the Capital Partner repayment resource.
type	string	Type of the payment resource. For capital partner ACH repayment the value is capitalPartnerAchRepayment.
attributes	JSON Object	JSON object representing the repayment resource.
relationships	JSON:API Relationships	Describes relationships between the capital partner ACH repayment and the credit account.

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
updatedAt	RFC3339 Date string	The date the resource was updated.
amount	integer	The amount (cents) of the payment.
status	string	Either Pending, PendingReview, Returned, Sent or Rejected
tags	object	See Tags.

Relationships

Name	Type	Description
creditAccount	JSON:API Relationship	The Credit Account the repayment is made for.
counterparty	JSON:API Relationship	The Counterparty the repayment to be made from.
org	JSON:API Relationship	The org the customer belongs to.
customer	Optional, JSON:API Relationship	The Customer the credit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
payment	JSON:API Relationship	The payment created between the capital partner's account and the counterparty
recurringRepayment	JSON:API Relationship	Only present when re repayment was created through a Recurring Repayment.

Example capitalPartnerAchRepayment resource:

{
  "type": "capitalPartnerAchRepayment",
  "id": "1",
  "attributes": {
    "createdAt": "2022-09-19T09:02:13.343Z",
    "updatedAt": "2022-09-19T09:02:13.343Z",
    "amount": 200,
    "status": "Pending"
  },
  "relationships": {
    "counterparty": {
      "data": {
        "type": "counterparty",
        "id": "1"
      }
    },
    "creditAccount": {
      "data": {
        "type": "creditAccount",
        "id": "10007"
      }
    },
    "org": {
      "data": {
        "type": "org",
        "id": "1"
      }
    },
    "payment": {
      "data": {
        "type": "payment",
        "id": "1"
      }
    }
  }
}

Capital Partner Book Repayment

capitalPartnerBookRepayment is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the Capital Partner repayment resource.
type	string	Type of the payment resource. For capital partner book repayment the value is capitalPartnerBookRepayment.
attributes	JSON Object	JSON object representing the repayment resource.
relationships	JSON:API Relationships	Describes relationships between the capital partner book repayment and the credit account.

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
updatedAt	RFC3339 Date string	The date the resource was updated.
amount	integer	The amount (cents) of the payment.
status	string	Either Pending, PendingReview, Returned, Sent or Rejected
tags	object	See Tags.

Relationships

Name	Type	Description
creditAccount	JSON:API Relationship	The Credit Account the repayment is made for.
counterpartyAccount	JSON:API Relationship	The Deposit Account the repayment to be made from.
org	JSON:API Relationship	The org the customer belongs to.
customer	Optional, JSON:API Relationship	The Customer the credit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
payment	JSON:API Relationship	The payment created between the capital partner's account and the counterparty
recurringRepayment	JSON:API Relationship	Only present when re repayment was created through a Recurring Repayment.

Example capitalPartnerBookRepayment resource:

{
  "type": "capitalPartnerBookRepayment",
  "id": "4",
  "attributes": {
    "createdAt": "2022-09-19T09:10:09.206Z",
    "updatedAt": "2022-09-19T09:10:09.206Z",
    "amount": 20,
    "status": "Sent"
  },
  "relationships": {
    "counterparty": {
      "data": {
        "type": "account",
        "id": "10008"
      }
    },
    "creditAccount": {
      "data": {
        "type": "creditAccount",
        "id": "10007"
      }
    },
    "customer": {
      "data": {
        "type": "customer",
        "id": "10002"
      }
    },
    "org": {
      "data": {
        "type": "org",
        "id": "1"
      }
    },
    "payment": {
      "data": {
        "type": "payment",
        "id": "5"
      }
    },
    "recurringRepayment": {
      "data": {
        "type": "recurringRepayment",
        "id": "4"
      }
    }
  }
}

Recurring ACH Repayment

recurringAchRepayment is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the recurring ACH repayment resource.
type	string	Type of the recurring repayment resource. For recurring ach repayment the value is recurringAchRepayment.
attributes	JSON Object	JSON object representing the recurring repayment resource.
relationships	JSON:API Relationships	Describes relationships between the Recurring ACH repayment and the originating deposit account, counterparty, credit account, customer and org.

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
updatedAt	RFC3339 Date string	The date the resource was updated.
schedule	Schedule	The schedule of the recurring payment.
description	string	Repayment description (maximum of 50 characters). this will show up on the statement of the counterparty.
addenda	string	Optional, additional payment description (maximum of 80 characters), not all institutions present that.
sameDay	boolean	Optional, default is false. See Same Day ACH.
secCode	string	Optional. See Use a custom SEC Code.
tags	object	Optional. See Tags. Tags that will be copied to any transaction that this payment creates (see Tag Inheritance).
numberOfRepayments	integer	Represents the number of repayments that were created by this recurring payment.
status	string	Status of the recurring repayment, one of: Active, Disabled.

Relationships

Name	Type	Description
account	JSON:API Relationship	The Deposit Account originating the repayment.
creditAccount	JSON:API Relationship	The Credit Account the repayment is made for.
counterparty	JSON:API Relationship	The Counterparty the repayment to be made from.
customer	JSON:API Relationship	Optional. The Customer the credit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
org	JSON:API Relationship	The org the customer belongs to.

Example AchRepayment resource:

{
  "data": {
    "type": "recurringAchRepayment",
    "id": "2",
    "attributes": {
      "createdAt": "2024-02-13T11:06:23.680Z",
      "schedule": {
        "startTime": "2024-02-13",
        "interval": "Monthly",
        "nextScheduledAction": "2024-03-29",
        "dayOfMonth": 29
      },
      "description": "ACH Repayments",
      "sameDay": false,
      "numberOfRepayments": 0,
      "status": "Active"
    },
    "relationships": {
      "org": {
        "data": {
          "type": "org",
          "id": "2"
        }
      },
      "account": {
        "data": {
          "type": "account",
          "id": "10016"
        }
      },
      "creditAccount": {
        "data": {
          "type": "creditAccount",
          "id": "10005"
        }
      },
      "counterparty": {
        "data": {
          "type": "counterparty",
          "id": "1"
        }
      },
      "customer": {
        "data": {
          "type": "customer",
          "id": "10000"
        }
      }
    }
  }
}

Recurring Book Repayment

recurringBookRepayment is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the recurring Book repayment resource.
type	string	Type of the recurring repayment resource. For recurring book repayment the value is recurringBookRepayment.
attributes	JSON Object	JSON object representing the recurring repayment resource.
relationships	JSON:API Relationships	Describes relationships between the Recurring Book repayment and the originating deposit account, counterpartyAccount, credit account, customer and org.

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
updatedAt	RFC3339 Date string	The date the resource was updated.
schedule	Schedule	The schedule of the recurring payment.
description	string	Repayment description (maximum of 80 characters). this will show up on the statement of the counterparty.
transactionSummaryOverride	string	If this field is populated, its contents will be returned as the bookTransaction’s summary field (maximum of 100 characters).
tags	object	Optional. See Tags. Tags that will be copied to any transaction that this payment creates (see Tag Inheritance).
numberOfRepayments	integer	Represents the number of repayments that were created by this recurring payment.
status	string	Status of the recurring repayment, one of: Active, Disabled.

Relationships

Name	Type	Description
account	JSON:API Relationship	The Deposit Account originating the repayment.
creditAccount	JSON:API Relationship	The Credit Account the repayment is made for.
counterparty	JSON:API Relationship	The Counterparty the repayment to be made from.
customer	JSON:API Relationship	Optional. The Customer the credit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
org	JSON:API Relationship	The org the customer belongs to.

Example BookRepayment resource:

{
  "data": {
    "type": "recurringBookRepayment",
    "id": "5",
    "attributes": {
      "createdAt": "2024-02-13T12:08:20.239Z",
      "schedule": {
        "startTime": "2024-02-13",
        "interval": "Monthly",
        "nextScheduledAction": "2024-03-29",
        "dayOfMonth": 29
      },
      "description": "Book Repayments",
      "transactionSummaryOverride": "Paid Piper Repayment",
      "numberOfRepayments": 0,
      "status": "Active"
    },
    "relationships": {
      "org": {
        "data": {
          "type": "org",
          "id": "2"
        }
      },
      "account": {
        "data": {
          "type": "account",
          "id": "10016"
        }
      },
      "creditAccount": {
        "data": {
          "type": "creditAccount",
          "id": "10005"
        }
      },
      "counterpartyAccount": {
        "data": {
          "type": "account",
          "id": "10012"
        }
      },
      "customer": {
        "data": {
          "type": "customer",
          "id": "10000"
        }
      }
    }
  }
}

Recurring Capital Partner ACH Repayment

recurringCapitalPartnerAchRepayment is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the recurring ACH repayment resource.
type	string	Type of the recurring repayment resource. For recurring capital partner ach repayment the value is recurringCapitalPartnerAchRepayment.
attributes	JSON Object	JSON object representing the recurring repayment resource.
relationships	JSON:API Relationships	Describes relationships between the Recurring Repayment and the counterparty, credit account, customer and org.

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
updatedAt	RFC3339 Date string	The date the resource was updated.
schedule	Schedule	The schedule of the recurring payment.
description	string	Repayment description (maximum of 50 characters). this will show up on the statement of the counterparty.
addenda	string	Optional, additional payment description (maximum of 80 characters), not all institutions present that.
sameDay	boolean	Optional, default is false. See Same Day ACH.
secCode	string	Optional. See Use a custom SEC Code.
tags	object	Optional. See Tags. Tags that will be copied to any transaction that this payment creates (see Tag Inheritance).
numberOfRepayments	integer	Represents the number of repayments that were created by this recurring payment.
status	string	Status of the recurring repayment, one of: Active, Disabled.

Relationships

Name	Type	Description
creditAccount	JSON:API Relationship	The Credit Account the repayment is made for.
counterparty	JSON:API Relationship	The Counterparty the repayment to be made from.
customer	JSON:API Relationship	Optional. The Customer the credit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
org	JSON:API Relationship	The org the customer belongs to.

Example capitalPartnerAchRepayment resource:

{
  "data": {
    "type": "recurringCapitalPartnerAchRepayment",
    "id": "1",
    "attributes": {
      "createdAt": "2024-02-13T10:54:24.373Z",
      "schedule": {
        "startTime": "2024-02-13",
        "interval": "Monthly",
        "nextScheduledAction": "2024-03-29",
        "dayOfMonth": 29
      },
      "description": "Capital partner ACH Repayments",
      "sameDay": false,
      "numberOfRepayments": 0,
      "status": "Active"
    },
    "relationships": {
      "org": {
        "data": {
          "type": "org",
          "id": "1"
        }
      },
      "creditAccount": {
        "data": {
          "type": "creditAccount",
          "id": "10010"
        }
      },
      "counterparty": {
        "data": {
          "type": "counterparty",
          "id": "1"
        }
      },
      "customer": {
        "data": {
          "type": "customer",
          "id": "10001"
        }
      }
    }
  }
}

Recurring Capital Partner Book Repayment

recurringCapitalPartnerBookRepayment is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the recurring capital partner Book repayment resource.
type	string	Type of the recurring repayment resource. For recurring capital partner book repayment the value is recurringCapitalPartnerBookRepayment.
attributes	JSON Object	JSON object representing the recurring repayment resource.
relationships	JSON:API Relationships	Describes relationships between the Recurring repayment and the counterpartyAccount, credit account, customer and org.

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
updatedAt	RFC3339 Date string	The date the resource was updated.
schedule	Schedule	The schedule of the recurring payment.
description	string	Repayment description (maximum of 50 characters). this will show up on the statement of the counterparty.
transactionSummaryOverride	string	If this field is populated, its contents will be returned as the bookTransaction’s summary field (maximum of 100 characters).
tags	object	Optional. See Tags. Tags that will be copied to any transaction that this payment creates (see Tag Inheritance).
numberOfRepayments	integer	Represents the number of repayments that were created by this recurring payment.
status	string	Status of the recurring repayment, one of: Active, Disabled.

Relationships

Name	Type	Description
creditAccount	JSON:API Relationship	The Credit Account the repayment is made for.
counterparty	JSON:API Relationship	The Counterparty the repayment to be made from.
customer	JSON:API Relationship	Optional. The Customer the credit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
org	JSON:API Relationship	The org the customer belongs to.

Example capitalPartnerBookRepayment resource:

{
  "data": {
    "type": "recurringCapitalPartnerBookRepayment",
    "id": "5",
    "attributes": {
      "createdAt": "2024-02-13T12:08:20.239Z",
      "schedule": {
        "startTime": "2024-02-13",
        "interval": "Monthly",
        "nextScheduledAction": "2024-03-29",
        "dayOfMonth": 29
      },
      "description": "Book Repayments",
      "transactionSummaryOverride": "Paid Piper Repayment",
      "numberOfRepayments": 0,
      "status": "Active"
    },
    "relationships": {
      "org": {
        "data": {
          "type": "org",
          "id": "2"
        }
      },
      "creditAccount": {
        "data": {
          "type": "creditAccount",
          "id": "10005"
        }
      },
      "counterpartyAccount": {
        "data": {
          "type": "account",
          "id": "10012"
        }
      },
      "customer": {
        "data": {
          "type": "customer",
          "id": "10000"
        }
      }
    }
  }
}

Originated ACH Transaction

OriginatedAchTransaction is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the transaction resource.
type	string	Type of the transaction resource. The value is always originatedAchTransaction.
attributes	JSON Object	JSON object representing the transaction data.
relationships	JSON:API Relationships	Describes relationships between the transaction resource and other resources (account and customer).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the transaction was created. Common to all transaction types.
direction	string	The direction in which the funds flow. Common to all transaction types.
amount	integer	The amount (cents) of the transaction. Common to all transaction types.
balance	integer	The account balance (cents) after the transaction. Common to all transaction types.
summary	string	Summary of the transaction. Common to all transaction types.
description	string	Transaction description.
addenda	string	Optional, additional transaction description.
counterparty	Counterparty	The party on the other end of the transaction.
secCode	string	The 3-letter ACH Standard Entry Class (SEC) Code. One of WEB, CCD, PPD.
traceNumber	string	Optional. The 15-digit ACH Trace Number identifies the transaction within the ACH file after transmission.
tags	object	See Tags. Inherited from the payment tags (see Tag Inheritance).

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account of the customer.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.
payment	JSON:API Relationship	The payment belonging to this transaction.
recurringPayment	Optional, JSON:API Relationship	The recurring payment belonging to this transaction.

Example OriginatedAchTransaction resource:

{
  "type": "originatedAchTransaction",
  "id": "1",
  "attributes": {
    "createdAt": "2020-09-06T07:51:02.570Z",
    "direction": "Credit",
    "amount": 10000,
    "balance": 10000,
    "summary": "Unit Inc | Initial account funding",
    "description": "Funding",
    "addenda": "Initial account funding",
    "counterparty": {
      "name": "Unit Inc",
      "routingNumber": "812345678",
      "accountNumber": "1",
      "accountType": "Checking"
    },
    "secCode": "WEB",
    "traceNumber": "812345670000123"
  },
  "relationships": {
    "account": {
      "data": {
        "type": "account",
        "id": "10001"
      }
    },
    "customer": {
      "data": {
        "type": "customer",
        "id": "3"
      }
    },
    "payment": {
      "data": {
        "type": "payment",
        "id": "5"
      }
    }
  }
}

Received ACH Transaction

ReceivedAchTransaction is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the transaction resource.
type	string	Type of the transaction resource. The value is always receivedAchTransaction.
attributes	JSON Object	JSON object representing the transaction data.
relationships	JSON:API Relationships	Describes relationships between the transaction resource and other resources (account and customer).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the transaction was created. Common to all transaction types.
direction	string	The direction in which the funds flow. Common to all transaction types.
amount	integer	The amount (cents) of the transaction. Common to all transaction types.
balance	integer	The account balance (cents) after the transaction. Common to all transaction types.
summary	string	Summary of the transaction. Common to all transaction types.
description	string	Transaction description.
addenda	string	Optional. Additional transaction description (maximum of 50 characters).
companyName	string	The name by which the originator is known to the receiver.
counterpartyRoutingNumber	string	The routing number of the party that originated the ACH payment.
traceNumber	string	The ACH Trace Number.
secCode	string	Optional. The 3-letter ACH Standard Entry Class (SEC) Code (e.g. WEB, CCD, PPD, etc.).
tags	object	See Tags.

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account of the customer.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.

Example ReceivedAchTransaction resource:

{
  "type": "receivedAchTransaction",
  "id": "4",
  "attributes": {
    "createdAt": "2020-09-08T12:41:43.360Z",
    "direction": "Debit",
    "amount": 80000,
    "balance": 90000,
    "summary": "Company: Unit Inc | Description: Payment from Unit Inc.",
    "description": "Payment from Unit Inc.",
    "companyName": "Unit Inc",
    "counterpartyRoutingNumber": "812345678",
    "traceNumber": "021214860002342",
    "secCode": "WEB"
  },
  "relationships": {
    "account": {
      "data": {
        "type": "account",
        "id": "1"
      }
    },
    "customer": {
      "data": {
        "type": "customer",
        "id": "3"
      }
    }
  }
}

Returned ACH Transaction

ReturnedAchTransaction is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the transaction resource.
type	string	Type of the transaction resource. The value is always returnedAchTransaction.
attributes	JSON Object	JSON object representing the transaction data.
relationships	JSON:API Relationships	Describes relationships between the transaction resource and other resources (account and customer).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the transaction was created. Common to all transaction types.
direction	string	The direction in which the funds flow. Common to all transaction types.
amount	integer	The amount (cents) of the transaction. Common to all transaction types.
balance	integer	The account balance (cents) after the transaction. Common to all transaction types.
summary	string	Summary of the transaction. Common to all transaction types.
companyName	string	The name by which the originator is known to the receiver.
counterpartyName	string	The name of the party that originated the ACH payment.
counterpartyRoutingNumber	string	The routing number of the party that originated the ACH payment.
reason	string	The reason for the transaction return. See ACH return reasons.
tags	object	See Tags.

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account of the customer.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.
payment	JSON:API Relationship	The returned payment.

Example ReturnedAchTransaction resource:

{
  "type": "returnedAchTransaction",
  "id": "4",
  "attributes": {
    "createdAt": "2020-09-08T12:41:43.360Z",
    "direction": "Debit",
    "amount": 1000,
    "balance": 9000,
    "summary": "Return due to: NoAccount | Counterparty: Unit Inc",
    "companyName": "Unit Inc",
    "counterpartyName": "Unit Inc",
    "counterpartyRoutingNumber": "812345678",
    "reason": "NoAccount"
  },
  "relationships": {
    "account": {
      "data": {
        "type": "account",
        "id": "1"
      }
    },
    "customer": {
      "data": {
        "type": "customer",
        "id": "3"
      }
    },
    "payment": {
      "data": {
        "type": "payment",
        "id": "1"
      }
    }
  }
}

Returned Received ACH Transaction

The transaction represents a received ACH that has been returned, automatically by Unit (e.g insufficient funds), by a dispute, or manually via a Return Received ACH.

ReturnedReceivedAchTransaction is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the transaction resource.
type	string	Type of the transaction resource. The value is always returnedReceivedAchTransaction.
attributes	JSON Object	JSON object representing the transaction data.
relationships	JSON:API Relationships	Describes relationships between the transaction resource and other resources (account and customer).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the transaction was created. Common to all transaction types.
direction	string	The direction in which the funds flow. Common to all transaction types.
amount	integer	The amount (cents) of the transaction. Common to all transaction types.
balance	integer	The account balance (cents) after the transaction. Common to all transaction types.
summary	string	Summary of the transaction. Common to all transaction types.
companyName	string	The name by which the originator is known to the receiver.
reason	string	The reason for the transaction return. See ACH return reasons.
tags	object	See Tags.

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account of the customer.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.
returned	JSON:API Relationship	The returned transaction.

Example ReturnedReceivedAchTransaction resource:

{
  "type": "returnedReceivedAchTransaction",
  "id": "4",
  "attributes": {
    "createdAt": "2020-09-08T12:41:43.360Z",
    "direction": "Debit",
    "amount": 1000,
    "balance": 500,
    "summary": "Returned received ACH transaction #55 due to: Account has insufficient funds",
    "companyName": "John Doe",
    "reason": "InsufficientFunds"
  },
  "relationships": {
    "account": {
      "data": {
        "type": "account",
        "id": "1"
      }
    },
    "customer": {
      "data": {
        "type": "customer",
        "id": "3"
      }
    },
    "returned": {
      "data": {
        "type": "transaction",
        "id": "55"
      }
    }
  }
}

Dishonored ACH Transaction

A dishonored ACH transaction is a relatively uncommon transaction type, that happens when Unit attempts to return a received ACH, but the originating bank decides not to return the funds. This typically happens when the return is not in compliance with the NACHA rules (e.g. 3 days after the payment took place when the network rules define a maximum of 2 days).

DishonoredAchTransaction is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the transaction resource.
type	string	Type of the transaction resource. The value is always dishonoredAchTransaction.
attributes	JSON Object	JSON object representing the transaction data.
relationships	JSON:API Relationships	Describes relationships between the transaction resource and other resources (account and customer).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the transaction was created. Common to all transaction types.
direction	string	The direction in which the funds flow. Common to all transaction types.
amount	integer	The amount (cents) of the transaction. Common to all transaction types.
balance	integer	The account balance (cents) after the transaction. Common to all transaction types.
summary	string	Summary of the transaction. Common to all transaction types.
description	string	Transaction description.
companyName	string	The name by which the originator is known to the receiver.
counterpartyRoutingNumber	string	The routing number of the party that originated the ACH payment.
traceNumber	string	The ACH Trace Number.
reason	string	The reason for the dishonored return.
secCode	string	Optional. The 3-letter ACH Standard Entry Class (SEC) Code (e.g. WEB, CCD, PPD, etc.).
tags	object	See Tags.

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account of the customer.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.

Example DishonoredAchTransaction resource:

{
  "type": "dishonoredAchTransaction",
  "id": "423",
  "attributes": {
    "createdAt": "2021-03-11T12:24:51.360Z",
    "direction": "Debit",
    "amount": 61000,
    "balance": 0,
    "summary": "Company: Unit Inc | Description: Payment from Unit Inc.",
    "description": "Payment from Unit Inc.",
    "companyName": "Unit Inc",
    "counterpartyRoutingNumber": "812345678",
    "traceNumber": "021214860002342",
    "secCode": "WEB"
  },
  "relationships": {
    "account": {
      "data": {
        "type": "account",
        "id": "1"
      }
    },
    "customer": {
      "data": {
        "type": "customer",
        "id": "3"
      }
    }
  }
}

Book Transaction

BookTransaction is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the transaction resource.
type	string	Type of the transaction resource. The value is always bookTransaction.
attributes	JSON Object	JSON object representing the transaction data.
relationships	JSON:API Relationships	Describes relationships between the transaction resource and other resources (account and customer).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the transaction was created. Common to all transaction types.
direction	string	The direction in which the funds flow. Common to all transaction types.
amount	integer	The amount (cents) of the transaction. Common to all transaction types.
balance	integer	The account balance (cents) after the transaction. Common to all transaction types.
summary	string	Summary of the transaction. Common to all transaction types.
counterparty	Counterparty	The party on the other end of the transaction.
tags	object	See Tags. Inherited from the payment tags (see Tag Inheritance).

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account of the customer.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.
counterpartyAccount	JSON:API Relationship	The account of the counterparty.
counterpartyCustomer	JSON:API Relationship	The counterparty customer.
payment	Optional, JSON:API Relationship	The payment belonging to this transaction.
recurringPayment	Optional, JSON:API Relationship	The recurring payment belonging to this transaction.

Example BookTransaction resource:

{
  "type": "bookTransaction",
  "id": "9547",
  "attributes": {
    "createdAt": "2020-07-05T15:49:36.864Z",
    "direction": "Credit",
    "amount": 1000,
    "balance": 12000,
    "summary": "Counterparty: Jane Smith | Description: Gift",
    "counterparty": {
      "name": "Jane Smith",
      "routingNumber": "812345678",
      "accountNumber": "10039",
      "accountType": "Checking"
    }
  },
  "relationships": {
    "account": {
      "data": {
        "type": "depositAccount",
        "id": "10035"
      }
    },
    "customer": {
      "data": {
        "type": "customer",
        "id": "5"
      }
    },
    "counterpartyAccount": {
      "data": {
        "type": "account",
        "id": "10036"
      }
    },
    "counterpartyCustomer": {
      "data": {
        "type": "customer",
        "id": "7"
      }
    },
    "payment": {
      "data": {
        "type": "payment",
        "id": "10000"
      }
    }
  }
}

Push To Card Transaction

PushToCardTransaction is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the transaction resource.
type	string	Type of the transaction resource. The value is always pushToCardTransaction.
attributes	JSON Object	JSON object representing the transaction data.
relationships	JSON:API Relationships	Describes relationships between the transaction resource and other resources.

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the transaction was created. Common to all transaction types.
direction	string	The direction in which the funds flow. Common to all transaction types.
amount	integer	The amount (cents) of the transaction. Common to all transaction types.
balance	integer	The account balance (cents) after the transaction. Common to all transaction types.
summary	string	Summary of the transaction. Common to all transaction types.
tags	object	See Tags. Inherited from the payment tags (see Tag Inheritance).

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account of the customer.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.
payment	Optional, JSON:API Relationship	The payment belonging to this transaction.
org	JSON:API Relationship	The org the customer belongs to.

Example PushToCardTransaction resource:

{
  "data": {
    "type": "pushToCardTransaction",
    "id": "777",
    "attributes": {
      "createdAt": "2023-03-23T13:56:04.200Z",
      "amount": 501,
      "direction": "Debit",
      "balance": 10619,
      "summary": "My Unit Account to Card Routine #2",
      "tags": {}
    },
    "relationships": {
      "account": {
        "data": {
          "type": "account",
          "id": "42"
        }
      },
      "customer": {
        "data": {
          "type": "customer",
          "id": "28"
        }
      },
      "customers": {
        "data": [
          {
            "type": "customer",
            "id": "19"
          }
        ]
      },
      "org": {
        "data": {
          "type": "org",
          "id": "1"
        }
      },
      "payment": {
        "data": {
          "type": "payment",
          "id": "68"
        }
      }
    }
  }
}

Push To Card Reversal Transaction

PushToCardReversalTransaction is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the transaction resource.
type	string	Type of the transaction resource. The value is always pushToCardReversalTransaction.
attributes	JSON Object	JSON object representing the transaction data.
relationships	JSON:API Relationships	Describes relationships between the transaction resource and other resources.

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the transaction was created. Common to all transaction types.
direction	string	The direction in which the funds flow. Common to all transaction types.
amount	integer	The amount (cents) of the transaction. Common to all transaction types.
balance	integer	The account balance (cents) after the transaction. Common to all transaction types.
summary	string	Summary of the transaction. Common to all transaction types.
tags	object	See Tags. Inherited from the payment tags (see Tag Inheritance).

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account of the customer.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.
payment	Optional, JSON:API Relationship	The payment belonging to this transaction.
org	JSON:API Relationship	The org the customer belongs to.
originalTransaction	JSON:API Relationship	The original push to card transaction

Example PushToCardReversalTransaction resource:

{
  "data": {
    "type": "pushToCardReversalTransaction",
    "id": "7",
    "attributes": {
      "createdAt": "2023-05-22T08:04:43.692Z",
      "amount": 500005,
      "direction": "Credit",
      "balance": 1499947,
      "summary": "Push to card transaction reversal for original transaction #6 | My Unit Account to Card Routine #900-5",
      "tags": {}
    },
    "relationships": {
      "account": {
        "data": {
          "type": "account",
          "id": "10003"
        }
      },
      "customer": {
        "data": {
          "type": "customer",
          "id": "10003"
        }
      },
      "customers": {
        "data": [
          {
            "type": "customer",
            "id": "10003"
          }
        ]
      },
      "org": {
        "data": {
          "type": "org",
          "id": "1"
        }
      },
      "payment": {
        "data": {
          "type": "payment",
          "id": "1005"
        }
      },
      "originalTransaction": {
        "data": {
          "type": "originalTransaction",
          "id": "6"
        }
      }
    }
  }
}

Cash Deposit Transaction

CashDepositTransaction is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the transaction resource.
type	string	Type of the transaction resource. The value is always cashDepositTransaction.
attributes	JSON Object	JSON object representing the transaction data.
relationships	JSON:API Relationships	Describes relationships between the transaction resource and other resources.

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the transaction was created. Common to all transaction types.
direction	string	The direction in which the funds flow. Common to all transaction types.
amount	integer	The amount (cents) of the transaction. Common to all transaction types.
balance	integer	The account balance (cents) after the transaction. Common to all transaction types.
summary	string	Summary of the transaction. Common to all transaction types.
tags	object	See Tags. Inherited from the payment tags (see Tag Inheritance).

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account of the customer.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.

Example CashDepositTransaction resource:

{
  "type": "cashDepositTransaction",
  "id": "1523",
  "attributes": {
    "createdAt": "2020-07-05T15:49:36.864Z",
    "direction": "Credit",
    "amount": 10000,
    "balance": 12000,
    "summary": "Cash deposit at Walgreens | Via card ending with 1234"
  },
  "relationships": {
    "account": {
      "data": {
        "type": "depositAccount",
        "id": "1000"
      }
    },
    "customer": {
      "data": {
        "type": "customer",
        "id": "3"
      }
    }
  }
}

Purchase Transaction

PurchaseTransaction is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the transaction resource.
type	string	Type of the transaction resource. The value is always purchaseTransaction.
attributes	JSON Object	JSON object representing the transaction data.
relationships	JSON:API Relationships	Describes relationships between the transaction resource and other resources (account and customer).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the transaction was created. Common to all transaction types.
direction	string	The direction in which the funds flow. Common to all transaction types.
amount	integer	The amount (cents) of the transaction. Common to all transaction types.
balance	integer	The account balance (cents) after the transaction. Common to all transaction types.
summary	string	Summary of the transaction. Common to all transaction types.
cardLast4Digits	string	The last 4 digits of the debit card involved in the transaction.
merchant.name	string	The name of the merchant.
merchant.type	integer	The 4-digit ISO 18245 merchant category code (MCC).
merchant.category	string	The merchant category, described by the MCC code (see this reference for the list of category descriptions).
merchant.location	string	Optional. The location (city, state, etc.) of the merchant.
merchant.id	string	Optional. The unique network merchant identifier.
coordinates	Coordinates	Optional. Coordinates (latitude, longitude) of where the purchase took place.
recurring	boolean	Indicates whether the transaction is recurring.
interchange	string	Optional. The interchange share for this transaction. Calculated at the end of each day, see the transaction.updated event.
grossInterchange	string	Optional. The gross interchange share for this transaction.
ecommerce	boolean	Indicates whether the transaction was created over an electronic network (primarily the internet).
cardPresent	boolean	Indicates whether the card was present when the transaction was created.
paymentMethod	string	Optional. The payment method used, one of: Manual, Swipe, Contactless, ChipAndPin, Stored, Other.
digitalWallet	string	Optional. The type of digital wallet used, one of: Google, Apple, Other.
cardVerificationData.verificationMethod	string	Optional. The verification method used, one of: Address, CVV2, AddressAndCVV2.
cardNetwork	string	Optional. The card network used, one of: Visa, Interlink, Accel, Allpoint, Other.
tags	object	See Tags. Inherited from the authorization request tags (see Tag Inheritance).
cashWithdrawalAmount	integer	Optional. Cash withdrawal amount
richMerchantData	Rich Merchant Data	Optional. Full merchant information.
currencyConversion	Currency Conversion	Optional. When original currency for transaction is not USD.

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account of the customer.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.
card	JSON:API Relationship	The debit card involved in the transaction.
authorization	JSON:API Relationship	Optional. The Authorization request made by the merchant, if present (see Authorizations).
authorizationRequest	Optional, JSON:API Relationship	The preceding authorization request, if present (see Authorization Requests).

Example PurchaseTransaction resource:

{
  "type": "purchaseTransaction",
  "id": "51",
  "attributes": {
    "createdAt": "2020-09-08T12:41:43.360Z",
    "direction": "Debit",
    "amount": 2500,
    "balance": 10523,
    "summary": "Car rental",
    "cardLast4Digits": "2282",
    "merchant": {
      "name": "Europcar Mobility Group",
      "type": 3381,
      "category": "EUROP CAR",
      "location": "Cupertino, CA",
      "id": "029859000085093"
    },
    "coordinates": {
      "longitude": -77.0364,
      "latitude": 38.8951
    },
    "recurring": false,
    "interchange": "2.43",
    "grossInterchange": "200.00",
    "ecommerce": false,
    "cardPresent": true,
    "paymentMethod": "Contactless",
    "digitalWallet": "Apple",
    "cardVerificationData": {
      "verificationMethod": "CVV2"
    },
    "cardNetwork": "Visa"
  },
  "relationships": {
    "account": {
      "data": {
        "type": "account",
        "id": "10001"
      }
    },
    "customer": {
      "data": {
        "type": "customer",
        "id": "3"
      }
    },
    "card": {
      "data": {
        "type": "card",
        "id": "11"
      }
    },
    "authorization": {
      "data": {
        "type": "authorization",
        "id": "40"
      }
    }
  }
}

ATM Transaction

AtmTransaction is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the transaction resource.
type	string	Type of the transaction resource. The value is always atmTransaction.
attributes	JSON Object	JSON object representing the transaction data.
relationships	JSON:API Relationships	Describes relationships between the transaction resource and other resources (account and customer).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the transaction was created. Common to all transaction types.
direction	string	The direction in which the funds flow. Common to all transaction types.
amount	integer	The amount (cents) of the transaction, including the surcharge fee. Common to all transaction types.
balance	integer	The account balance (cents) after the transaction. Common to all transaction types.
summary	string	Summary of the transaction. Common to all transaction types.
cardLast4Digits	string	The last 4 digits of the debit card involved in the transaction.
atmName	string	The name of the ATM.
atmLocation	string	Optional. The location (city, state, etc.) of the ATM.
surcharge	number	The surcharge fee (cents) for the transaction.
interchange	string	Optional. The interchange share for this transaction. Calculated at the end of each day, see the transaction.updated event.
grossInterchange	string	Optional. The gross interchange share for this transaction.
cardNetwork	string	Optional. The card network used, one of: Visa, Interlink, Accel, Allpoint, Other.
tags	object	See Tags.
currencyConversion	Currency Conversion	Optional. When original currency for transaction is not USD.

### Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account of the customer.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.
card	JSON:API Relationship	The debit card involved in the transaction.

Example AtmTransaction resource:

{
  "type": "atmTransaction",
  "id": "1432",
  "attributes": {
    "createdAt": "2020-07-05T15:49:36.864Z",
    "direction": "Credit",
    "amount": 10000,
    "balance": 12000,
    "summary": "ATM deposit",
    "cardLast4Digits": "2282",
    "atmName": "First National Bank",
    "atmLocation": "Masontown, PA 15461",
    "surcharge": 10,
    "cardNetwork": "Allpoint",
    "grossInterchange": "200.00"
  },
  "relationships": {
    "account": {
      "data": {
        "type": "depositAccount",
        "id": "1000"
      }
    },
    "customer": {
      "data": {
        "type": "customer",
        "id": "3"
      }
    },
    "card": {
      "data": {
        "type": "card",
        "id": "11"
      }
    }
  }
}

Fee Transaction

FeeTransaction is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the transaction resource.
type	string	Type of the transaction resource. The value is always feeTransaction.
attributes	JSON Object	JSON object representing the transaction data.
relationships	JSON:API Relationships	Describes relationships between the transaction resource and other resources (account, customer and relatedTransaction).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the transaction was created. Common to all transaction types.
direction	string	The direction in which the funds flow. Common to all transaction types.
amount	integer	The amount (cents) of the transaction. Common to all transaction types.
balance	integer	The account balance (cents) after the transaction. Common to all transaction types.
summary	string	Summary of the transaction. Common to all transaction types.
tags	object	See Tags.

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account of the customer.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.
relatedTransaction	JSON:API Relationship	Optional. The transaction which the fee is subject to.

Example FeeTransaction resource:

{
  "type": "feeTransaction",
  "id": "388",
  "attributes": {
    "createdAt": "2020-09-08T12:41:43.360Z",
    "direction": "Debit",
    "amount": 10,
    "balance": 89980,
    "summary": "Payment fee for transaction #4"
  },
  "relationships": {
    "account": {
      "data": {
        "type": "account",
        "id": "10001"
      }
    },
    "customer": {
      "data": {
        "type": "customer",
        "id": "3"
      }
    },
    "relatedTransaction": {
      "data": {
        "type": "transaction",
        "id": "4"
      }
    }
  }
}

Fee Reversal Transaction

FeeReversalTransaction is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the transaction resource.
type	string	Type of the transaction resource. The value is always feeReversalTransaction.
attributes	JSON Object	JSON object representing the transaction data.
relationships	JSON:API Relationships	Describes relationships between the transaction resource and other resources (account, customer and relatedTransaction).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the transaction was created. Common to all transaction types.
direction	string	The direction in which the funds flow. Common to all transaction types.
amount	integer	The amount (cents) of the transaction. Common to all transaction types.
balance	integer	The account balance (cents) after the transaction. Common to all transaction types.
summary	string	Summary of the transaction. Common to all transaction types.
tags	object	See Tags.

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account of the customer.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.
relatedTransaction	JSON:API Relationship	The fee transaction that the reversal is related to.

Example FeeReversalTransaction resource:

{
  "data": {
    "type": "feeReversalTransaction",
    "id": "265",
    "attributes": {
      "createdAt": "2021-06-06T07:23:30.101Z",
      "amount": 200,
      "direction": "Debit",
      "balance": 3716500,
      "summary": "Reversal fee transaction for #122 | Moves Card Replacement Fee"
    },
    "relationships": {
      "account": {
        "data": {
          "type": "account",
          "id": "10001"
        }
      },
      "customer": {
        "data": {
          "type": "customer",
          "id": "10000"
        }
      },
      "relatedTransaction": {
        "data": {
          "type": "transaction",
          "id": "122"
        }
      }
    }
  }
}

Negative Balance Coverage Transaction

negativeBalanceCoverageTransaction is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the transaction resource.
type	string	Type of the transaction resource. The value is always negativeBalanceCoverageTransaction.
attributes	JSON Object	JSON object representing the transaction data.
relationships	JSON:API Relationships	Describes relationships between the transaction resource and other resources (account, customer and relatedTransaction).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the transaction was created. Common to all transaction types.
direction	string	The direction in which the funds flow. Common to all transaction types.
amount	integer	The amount (cents) of the transaction. Common to all transaction types.
balance	integer	The account balance (cents) after the transaction. Common to all transaction types.
summary	string	Summary of the transaction. Common to all transaction types.
tags	object	See Tags.

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account of the customer.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.

Example NegativeBalanceCoverageTransaction resource:

{
  "type": "negativeBalanceCoverageTransaction",
  "id": "97",
  "attributes": {
    "createdAt": "2022-07-18T13:56:05.385Z",
    "amount": 2005,
    "direction": "Credit",
    "balance": 0,
    "summary": "Negative balance coverage of account 10014"
  },
  "relationships": {
    "account": {
      "data": {
        "type": "account",
        "id": "10014"
      }
    },
    "customer": {
      "data": {
        "type": "customer",
        "id": "10009"
      }
    },
    "customers": {
      "data": [
        {
          "type": "customer",
          "id": "10009"
        }
      ]
    }
  }
}

Card Reversal Transaction

CardReversalTransaction is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the transaction resource.
type	string	Type of the transaction resource. The value is always cardReversalTransaction.
attributes	JSON Object	JSON object representing the transaction data.
relationships	JSON:API Relationships	Describes relationships between the transaction resource and other resources (account, customer and relatedTransaction).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the transaction was created. Common to all transaction types.
direction	string	The direction in which the funds flow. Common to all transaction types.
amount	integer	The amount (cents) of the transaction. Common to all transaction types.
balance	integer	The account balance (cents) after the transaction. Common to all transaction types.
summary	string	Summary of the transaction. Common to all transaction types.
cardLast4Digits	string	The last 4 digits of the debit card involved in the transaction.
tags	object	See Tags.

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account of the customer.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.
relatedTransaction	JSON:API Relationship	Optional. The transaction which the reversal is related to.
card	JSON:API Relationship	The debit card used in the purchase.

Example CardReversalTransaction resource:

{
  "type": "cardReversalTransaction",
  "id": "401",
  "attributes": {
    "createdAt": "2020-09-14T12:41:43.360Z",
    "direction": "Debit",
    "amount": 10,
    "balance": 89980,
    "summary": "Reversal for transaction #400",
    "cardLast4Digits": "2282"
  },
  "relationships": {
    "account": {
      "data": {
        "type": "account",
        "id": "10001"
      }
    },
    "customer": {
      "data": {
        "type": "customer",
        "id": "1001"
      }
    },
    "relatedTransaction": {
      "data": {
        "type": "transaction",
        "id": "400"
      }
    },
    "card": {
      "data": {
        "type": "card",
        "id": "11"
      }
    }
  }
}

Card Transaction

A transaction that represents various card transactions that are not Purchase or ATM transactions. Most commonly, these transactions represent peer-to-peer payments (e.g. Venmo, CashApp) and gig economy employee payouts (ride sharing, deliveries, etc).

CardTransaction is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the transaction resource.
type	string	Type of the transaction resource. The value is always cardTransaction.
attributes	JSON Object	JSON object representing the transaction data.
relationships	JSON:API Relationships	Describes relationships between the transaction resource and other resources (account and customer).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the transaction was created. Common to all transaction types.
direction	string	The direction in which the funds flow. Common to all transaction types.
amount	integer	The amount (cents) of the transaction. Common to all transaction types.
balance	integer	The account balance (cents) after the transaction. Common to all transaction types.
summary	string	Summary of the transaction. Common to all transaction types.
cardLast4Digits	string	The last 4 digits of the debit card involved in the transaction.
merchant.name	string	Optional. The name of the merchant.
merchant.type	integer	Optional. The 4-digit ISO 18245 merchant category code (MCC).
merchant.category	string	Optional. The merchant category, described by the MCC code (see this reference for the list of category descriptions).
merchant.location	string	Optional. The location (city, state, etc.) of the merchant.
merchant.id	string	Optional. The unique network merchant identifier.
recurring	boolean	Optional. Indicates whether the transaction is recurring.
interchange	string	Optional. The interchange share for this transaction. Calculated at the end of each day, see the transaction.updated event.
grossInterchange	string	Optional. The gross interchange share for this transaction.
paymentMethod	string	Optional. The payment method used, one of: Manual, Swipe, Contactless, ChipAndPin, Stored, Other.
digitalWallet	string	Optional. The type of digital wallet used, one of: Google, Apple, Other.
cardVerificationData.verificationMethod	string	Optional. The verification method used, one of: Address, CVV2, AddressAndCVV2.
cardNetwork	string	Optional. The card network used, one of: Visa, Interlink, Accel, Allpoint, Other.
richMerchantData	Rich Merchant Data	Optional. Full merchant information.
tags	object	See Tags.
currencyConversion	Currency Conversion	Optional. When original currency for transaction is not USD.

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account of the customer.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.
authorization	JSON:API Relationship	Optional. The Authorization request made, if present (see Authorizations).
card	JSON:API Relationship	The debit card used in the purchase.

Example CardTransaction resource:

{
  "type": "cardTransaction",
  "id": "410",
  "attributes": {
    "createdAt": "2020-09-20T12:41:43.360Z",
    "direction": "Debit",
    "amount": 10,
    "balance": 89480,
    "summary": "Card transaction details",
    "cardLast4Digits": "2282",
    "merchant": {
      "name": "Europcar Mobility Group",
      "type": 3381,
      "category": "EUROP CAR",
      "location": "Cupertino, CA",
      "id": "029859000085093"
    },
    "recurring": false,
    "interchange": "2.43",
    "grossInterchange": "200.00",
    "paymentMethod": "Contactless",
    "digitalWallet": "Apple",
    "cardVerificationData": {
      "verificationMethod": "CVV2"
    },
    "cardNetwork": "Visa"
  },
  "relationships": {
    "account": {
      "data": {
        "type": "account",
        "id": "10001"
      }
    },
    "customer": {
      "data": {
        "type": "customer",
        "id": "1001"
      }
    },
    "card": {
      "data": {
        "type": "card",
        "id": "11"
      }
    }
  }
}

Wire Transaction

WireTransaction is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the transaction resource.
type	string	Type of the transaction resource. The value is always wireTransaction.
attributes	JSON Object	JSON object representing the transaction data.
relationships	JSON:API Relationships	Describes relationships between the transaction resource and other resources (account and customer).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the transaction was created. Common to all transaction types.
direction	string	The direction in which the funds flow. Common to all transaction types.
amount	integer	The amount (cents) of the transaction. Common to all transaction types.
balance	integer	The account balance (cents) after the transaction. Common to all transaction types.
summary	string	Summary of the transaction. Common to all transaction types.
counterparty	Counterparty	The party on the other end of the transaction, either the beneficiary or the originator.
description	string	Optional. Description of the transaction as entered by the originator.
originatorToBeneficiaryInformation	string	Originator To Beneficiary Information, multi-line string delimited by \n.
senderReference	string	Sender reference.
referenceForBeneficiary	string	Reference for the Beneficiary.
beneficiaryInformation	string	Beneficiary Information, multi-line string delimited by \n.
beneficiaryAdviceInformation	string	Beneficiary Advice Information, multi-line string delimited by \n.
tags	object	See Tags.

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account of the customer.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.

Example WireTransaction resource:

{
  "type": "wireTransaction",
  "id": "9547",
  "attributes": {
    "createdAt": "2020-07-05T15:49:36.864Z",
    "direction": "Credit",
    "amount": 1000,
    "balance": 12000,
    "summary": "Wire to Jane Smith",
    "counterparty": {
      "name": "Jane Smith",
      "routingNumber": "812345678",
      "accountNumber": "10039",
      "accountType": "Checking"
    }
  },
  "relationships": {
    "account": {
      "data": {
        "type": "depositAccount",
        "id": "10035"
      }
    },
    "customer": {
      "data": {
        "type": "customer",
        "id": "5"
      }
    }
  }
}

Returned Wire Transaction

ReturnedWireTransaction is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the transaction resource.
type	string	Type of the transaction resource. The value is always returnedWireTransaction.
attributes	JSON Object	JSON object representing the transaction data.
relationships	JSON:API Relationships	Describes relationships between the transaction resource and other resources (account and customer).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the transaction was created. Common to all transaction types.
direction	string	The direction in which the funds flow. Common to all transaction types.
amount	integer	The amount (cents) of the transaction. Common to all transaction types.
balance	integer	The account balance (cents) after the transaction. Common to all transaction types.
summary	string	Summary of the transaction. Common to all transaction types.
reason	string	The reason for the return.
imad	string	Input Message Accountability Data. It's a unique number given to each FedWire payment in case of payment has been sent and fully processed.
omad	string	Optional. Output Message Accountability Data. It's a unique number given to each FedWire payment in case of payment has been sent and fully processed.
tags	object	See Tags.

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account of the customer.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.
payment	JSON:API Relationship	The wire payment that was returned

Example ReturnedWireTransaction resource:

{
  "data": {
    "type": "returnedWireTransaction",
    "id": "265",
    "attributes": {
      "createdAt": "2021-06-06T07:23:30.101Z",
      "amount": 200,
      "direction": "Debit",
      "balance": 3716500,
      "summary": "Returned due to: NAMEMISSMATCH |  420 E Polk St., Phoenix, AZ -Part Commission",
      "reason": "Insufficient Funds",
      "imad": "123456",
      "omad": "654321"
    },
    "relationships": {
      "account": {
        "data": {
          "type": "account",
          "id": "10001"
        }
      },
      "customer": {
        "data": {
          "type": "customer",
          "id": "10000"
        }
      },
      "payment": {
        "data": {
          "type": "payment",
          "id": "122"
        }
      }
    }
  }
}

Release Transaction

ReleaseTransaction is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the transaction resource.
type	string	Type of the transaction resource. The value is always releaseTransaction.
attributes	JSON Object	JSON object representing the transaction data.
relationships	JSON:API Relationships	Describes relationships between the transaction resource and other resources (account).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the transaction was created. Common to all transaction types.
senderName	string	Name of the sender.
senderAddress	Address	Address of the sender.
senderAccountNumber	string	Unique identifier to monitor for similar sending accounts, could be the BIN + last four digits of the card number OR a unique identifier generated by you for the sender.
counterparty	Counterparty	The party who is releasing the funds
amount	integer	The amount (cents) of the transaction. Common to all transaction types.
direction	string	The direction in which the funds flow. Common to all transaction types. The value is always Credit.
description	string	Description of the payment.
balance	integer	The account balance (cents) after the transaction. Common to all transaction types.
summary	string	Summary of the transaction. Common to all transaction types.
tags	object	See Tags.

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account receiving the funds.

Example ReleaseTransaction resource:

{
  "type": "releaseTransaction",
  "id": "258",
  "attributes": {
    "createdAt": "2020-12-08T15:38:07.394Z",
    "senderName": "Richard Hendricks",
    "senderAddress": {
      "street": "5230 Newell Rd",
      "city": "Palo Alto",
      "state": "CA",
      "postalCode": "94303",
      "country": "US"
    },
    "senderAccountNumber": "123456798",
    "counterparty": {
      "name": "BatchAccount15",
      "routingNumber": "812345678",
      "accountNumber": "1000000096",
      "accountType": "Checking"
    },
    "amount": 1000,
    "direction": "Credit",
    "description": "First Payment",
    "balance": 1000,
    "summary": "First Payment  |  Richard Hendricks"
  },
  "relationships": {
    "account": {
      "data": {
        "type": "account",
        "id": "10097"
      }
    }
  }
}

Adjustment Transaction

AdjustmentTransaction is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the transaction resource.
type	string	Type of the transaction resource. The value is always adjustmentTransaction.
attributes	JSON Object	JSON object representing the transaction data.
relationships	JSON:API Relationships	Describes relationships between the transaction resource and other resources (account).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the transaction was created. Common to all transaction types.
direction	string	The direction in which the funds flow. Common to all transaction types.
amount	integer	The amount (cents) of the transaction. Common to all transaction types.
balance	integer	The account balance (cents) after the transaction. Common to all transaction types.
summary	string	Summary of the transaction. Common to all transaction types.
description	string	Description of the transaction.
tags	object	See Tags.

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account participating in the transaction.

Example AdjustmentTransaction resource:

{
  "type": "adjustmentTransaction",
  "id": "215",
  "attributes": {
    "createdAt": "2021-04-12T16:08:39.040Z",
    "amount": 5000,
    "direction": "Debit",
    "balance": 3124000,
    "summary": "correction of transaction #200",
    "description": "correction of transaction #200"
  },
  "relationships": {
    "account": {
      "data": {
        "type": "account",
        "id": "10001"
      }
    },
    "customer": {
      "data": {
        "type": "customer",
        "id": "10000"
      }
    }
  }
}

Interest Transaction

InterestTransaction is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the transaction resource.
type	string	Type of the transaction resource. The value is always interestTransaction.
attributes	JSON Object	JSON object representing the transaction data.
relationships	JSON:API Relationships	Describes relationships between the transaction resource and other resources (account and customer).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the transaction was created. Common to all transaction types.
direction	string	The direction in which the funds flow. Common to all transaction types.
amount	integer	The amount (cents) of the transaction. Common to all transaction types.
balance	integer	The account balance (cents) after the transaction. Common to all transaction types.
summary	string	Summary of the transaction. Common to all transaction types.
tags	object	See Tags.

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account of the customer.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.

Example InterestTransaction resource:

{
  "type": "interestTransaction",
  "id": "9547",
  "attributes": {
    "createdAt": "2020-07-05T15:49:36.864Z",
    "direction": "Credit",
    "amount": 1000,
    "balance": 12000,
    "summary": "Interest March 2020"
  },
  "relationships": {
    "account": {
      "data": {
        "type": "depositAccount",
        "id": "10035"
      }
    },
    "customer": {
      "data": {
        "type": "customer",
        "id": "5"
      }
    }
  }
}

Interest Share Transaction

interestShareTransaction is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the transaction resource.
type	string	Type of the transaction resource. The value is always interestShareTransaction.
attributes	JSON Object	JSON object representing the transaction data.
relationships	JSON:API Relationships	Describes relationships between the transaction resource and other resources (account, customer and org).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the transaction was created. Common to all transaction types.
direction	string	The direction in which the funds flow. Common to all transaction types.
amount	integer	The amount (cents) of the transaction. Common to all transaction types.
balance	integer	The account balance (cents) after the transaction. Common to all transaction types.
summary	string	Summary of the transaction. Common to all transaction types.
tags	object	See Tags.

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account of the customer.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.
org	JSON:API Relationship	The Org of the customer.

Example InterestShareTransaction resource:

{
  "data": {
    "type": "interestShareTransaction",
    "id": "12345",
    "attributes": {
      "createdAt": "2021-09-01T04:08:33.250Z",
      "amount": 1,
      "direction": "Credit",
      "balance": 7,
      "summary": "Interest Share August 2021"
    },
    "relationships": {
      "account": {
        "data": {
          "type": "account",
          "id": "1"
        }
      },
      "customer": {
        "data": {
          "type": "customer",
          "id": "24"
        }
      },
      "customers": {
        "data": [
          {
            "type": "customer",
            "id": "24"
          }
        ]
      },
      "org": {
        "data": {
          "type": "org",
          "id": "1"
        }
      }
    }
  }
}

Dispute Transaction

DisputeTransaction is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the transaction resource.
type	string	Type of the transaction resource. The value is always disputeTransaction.
attributes	JSON Object	JSON object representing the transaction data.
relationships	JSON:API Relationships	Describes relationships between the transaction resource and other resources (account, customer, disputedTransaction).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the transaction was created. Common to all transaction types.
direction	string	The direction in which the funds flow. Common to all transaction types.
amount	integer	The amount (cents) of the transaction. Common to all transaction types.
balance	integer	The account balance (cents) after the transaction. Common to all transaction types.
disputeId	string	Unique ID of the dispute that is related to the transaction.
summary	string	Summary of the transaction. Common to all transaction types.
reason	string	The reason for the dispute transaction, one of: ProvisionalCredit, ProvisionalCreditReversalDenied, ProvisionalCreditReversalResolved, FinalCredit.
tags	object	See Tags.

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account participating in the transaction.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.
disputedTransaction	Optional, JSON:API Relationship	The transaction that has been disputed.

Example DisputeTransaction resource:

{
  "type": "disputeTransaction",
  "id": "226",
  "attributes": {
    "createdAt": "2021-04-19T12:44:08.055Z",
    "amount": 2500,
    "direction": "Credit",
    "balance": 550000,
    "summary": "Dispute 119 | Provisional Credit",
    "reason": "ProvisionalCredit"
  },
  "relationships": {
    "account": {
      "data": {
        "type": "account",
        "id": "10001"
      }
    },
    "customer": {
      "data": {
        "type": "customer",
        "id": "10000"
      }
    },
    "disputedTransaction": {
      "data": {
        "type": "transaction",
        "id": "6"
      }
    }
  }
}

Check Deposit Transaction

CheckDepositTransaction is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the transaction resource.
type	string	Type of the transaction resource. The value is always checkDepositTransaction.
attributes	JSON Object	JSON object representing the transaction data.
relationships	JSON:API Relationships	Describes relationships between the transaction resource and other resources (account, customer, checkDeposit).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the transaction was created. Common to all transaction types.
direction	string	The direction in which the funds flow. Common to all transaction types.
amount	integer	The amount (cents) of the transaction. Common to all transaction types.
balance	integer	The account balance (cents) after the transaction. Common to all transaction types.
summary	string	Summary of the transaction. Common to all transaction types.
tags	object	See Tags.

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account participating in the transaction.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.
checkDeposit	JSON:API Relationship	The Check Deposit the transaction is related to.

Example CheckDepositTransaction resource:

{
  "data": {
    "type": "checkDepositTransaction",
    "id": "264",
    "attributes": {
      "createdAt": "2021-06-06T07:21:51.467Z",
      "amount": 200,
      "direction": "Credit",
      "balance": 371600,
      "summary": "Check deposit"
    },
    "relationships": {
      "account": {
        "data": {
          "type": "account",
          "id": "10001"
        }
      },
      "customer": {
        "data": {
          "type": "customer",
          "id": "10000"
        }
      },
      "checkDeposit": {
        "data": {
          "type": "checkDeposit",
          "id": "122"
        }
      }
    }
  }
}

Returned Check Deposit Transaction

ReturnedCheckDepositTransaction is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the transaction resource.
type	string	Type of the transaction resource. The value is always returnedCheckDepositTransaction.
attributes	JSON Object	JSON object representing the transaction data.
relationships	JSON:API Relationships	Describes relationships between the transaction resource and other resources (account, customer, checkDeposit).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the transaction was created. Common to all transaction types.
direction	string	The direction in which the funds flow. Common to all transaction types.
amount	integer	The amount (cents) of the transaction. Common to all transaction types.
balance	integer	The account balance (cents) after the transaction. Common to all transaction types.
summary	string	Summary of the transaction. Common to all transaction types.
reason	string	The reason for the transaction return.
tags	object	See Tags.

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account participating in the transaction.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.
checkDeposit	JSON:API Relationship	The Check Deposit the transaction is related to.

Example ReturnedCheckDepositTransaction resource:

{
  "data": {
    "type": "returnedCheckDepositTransaction",
    "id": "265",
    "attributes": {
      "createdAt": "2021-06-06T07:23:30.101Z",
      "amount": 200,
      "direction": "Debit",
      "balance": 3716500,
      "summary": "Returned due to: Insufficient Funds  |  Check deposit",
      "reason": "Insufficient Funds"
    },
    "relationships": {
      "account": {
        "data": {
          "type": "account",
          "id": "10001"
        }
      },
      "customer": {
        "data": {
          "type": "customer",
          "id": "10000"
        }
      },
      "checkDeposit": {
        "data": {
          "type": "checkDeposit",
          "id": "122"
        }
      }
    }
  }
}

Check Payment Transaction

CheckPaymentTransaction is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the transaction resource.
type	string	Type of the transaction resource. The value is always checkPaymentTransaction.
attributes	JSON Object	JSON object representing the transaction data.
relationships	JSON:API Relationships	Describes relationships between the transaction resource and other resources (account, customer, checkPayment).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the transaction was created. Common to all transaction types.
direction	string	The direction in which the funds flow. Common to all transaction types.
amount	integer	The amount (cents) of the transaction. Common to all transaction types.
balance	integer	The account balance (cents) after the transaction. Common to all transaction types.
summary	string	Summary of the transaction. Common to all transaction types.
tags	object	See Tags.

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account participating in the transaction.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.
checkPayment	JSON:API Relationship	The Check Payment the transaction is related to.

Example CheckPaymentTransaction resource:

{
  "type": "checkPaymentTransaction",
  "id": "7",
  "attributes": {
    "createdAt": "2023-02-21T11:40:55.442Z",
    "amount": 299991,
    "direction": "Debit",
    "balance": -1,
    "summary": "Check Payment | 0322"
  },
  "relationships": {
    "account": {
      "data": {
        "type": "account",
        "id": "10002"
      }
    },
    "customer": {
      "data": {
        "type": "customer",
        "id": "10005"
      }
    },
    "customers": {
      "data": [
        {
          "type": "customer",
          "id": "10005"
        }
      ]
    },
    "checkPayment": {
      "data": {
        "type": "checkPayment",
        "id": "5"
      }
    }
  }
}

Returned Check Payment Transaction

ReturnedCheckPaymentTransaction is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the transaction resource.
type	string	Type of the transaction resource. The value is always returnedCheckPaymentTransaction.
attributes	JSON Object	JSON object representing the transaction data.
relationships	JSON:API Relationships	Describes relationships between the transaction resource and other resources (account, customer, checkPayment).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the transaction was created. Common to all transaction types.
direction	string	The direction in which the funds flow. Common to all transaction types.
amount	integer	The amount (cents) of the transaction. Common to all transaction types.
balance	integer	The account balance (cents) after the transaction. Common to all transaction types.
summary	string	Summary of the transaction. Common to all transaction types.
returnReason	string	The reason for the transaction return. This is a replacement to the deprecated reason attribute.
tags	object	See Tags.

note

Currently, bot reason and returnReason are supported. Be advised that the values they return are different and that returnReason will soon be deprecated, and reason will be used to return the check payment return reasons as specified in the return reasons list.

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account participating in the transaction.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.
checkPayment	JSON:API Relationship	The Check Payment the transaction is related to.

Example ReturnedCheckPaymentTransaction resource:

{
  "type": "returnedCheckPaymentTransaction",
  "id": "8",
  "attributes": {
    "createdAt": "2023-02-21T11:40:55.442Z",
    "amount": 299991,
    "direction": "Credit",
    "balance": 299990,
    "summary": "Returned Check Payment transaction #7 due to: Stop Payment",
    "returnReason": "StopPayment"
  },
  "relationships": {
    "account": {
      "data": {
        "type": "account",
        "id": "10002"
      }
    },
    "customer": {
      "data": {
        "type": "customer",
        "id": "10005"
      }
    },
    "customers": {
      "data": [
        {
          "type": "customer",
          "id": "10005"
        }
      ]
    },
    "checkPayment": {
      "data": {
        "type": "checkPayment",
        "id": "5"
      }
    },
    "returned": {
      "data": {
        "type": "transaction",
        "id": "7"
      }
    }
  }
}

Payment Canceled Transaction

The transaction represents an originated ACH that has been canceled by its originator prior to its transmission to the ACH network.

PaymentCanceledTransaction is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the transaction resource.
type	string	Type of the transaction resource. The value is always paymentCanceledTransaction.
attributes	JSON Object	JSON object representing the transaction data.
relationships	JSON:API Relationships	Describes relationships between the transaction resource and other resources (account, customer).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the transaction was created. Common to all transaction types.
direction	string	The direction in which the funds flow. Common to all transaction types.
amount	integer	The amount (cents) of the transaction. Common to all transaction types.
balance	integer	The account balance (cents) after the transaction. Common to all transaction types.
summary	string	Summary of the transaction. Common to all transaction types.
tags	object	See Tags.

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account participating in the transaction.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.
org	JSON:API Relationship	The org the customer belongs to.
relatedTransaction	JSON:API Relationship	The original transaction being canceled.

Example PaymentCanceledTransaction resource:

{
  "type": "paymentCanceledTransaction",
  "id": "185",
  "attributes": {
    "createdAt": "2022-02-02T13:11:22.404Z",
    "amount": 7000,
    "direction": "Credit",
    "balance": 1702108,
    "summary": "Cancellation of: 184  |  Payment Id: 18"
  },
  "relationships": {
    "account": {
      "data": {
        "type": "account",
        "id": "10002"
      }
    },
    "customer": {
      "data": {
        "type": "customer",
        "id": "10001"
      }
    },
    "customers": {
      "data": [
        {
          "type": "customer",
          "id": "10001"
        }
      ]
    },
    "relatedTransaction": {
      "data": {
        "type": "transaction",
        "id": "184"
      }
    }
  }
}

Payment Advance Transaction

PaymentAdvanceTransaction is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the transaction resource.
type	string	Type of the transaction resource. The value is always paymentAdvanceTransaction.
attributes	JSON Object	JSON object representing the transaction data.
relationships	JSON:API Relationships	Describes relationships between the transaction resource and other resources (account, customer, receivedPayment).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the transaction was created. Common to all transaction types.
direction	string	The direction in which the funds flow. Common to all transaction types. The value is always Debit.
amount	integer	The amount (cents) of the transaction. Common to all transaction types.
balance	integer	The account balance (cents) after the transaction. Common to all transaction types.
summary	string	Summary of the transaction. Common to all transaction types.
tags	object	See Tags.

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account participating in the transaction.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
receivedPayment	JSON:API Relationship	The ReceivedPayment that was advanced and funded with this transaction.

Example PaymentAdvanceTransaction resource:

{
  "type": "paymentAdvanceTransaction",
  "id": "226",
  "attributes": {
    "createdAt": "2021-04-19T12:44:08.055Z",
    "amount": 2500,
    "direction": "Debit",
    "balance": 550000,
    "summary": "Advance for ReceivedPayment with id 6",
    "tags": {
      "trackingId": "106a75e9-de77-4e25-9561-faffe59d7814"
    }
  },
  "relationships": {
    "account": {
      "data": {
        "type": "account",
        "id": "10001"
      }
    },
    "customer": {
      "data": {
        "type": "customer",
        "id": "10000"
      },
      "receivedPayment": {
        "data": {
          "type": "receivedPayment",
          "id": "6"
        }
      }
    }
  }
}

Repaid Payment Advance Transaction

RepaidPaymentAdvanceTransaction is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the transaction resource.
type	string	Type of the transaction resource. The value is always repaidPaymentAdvanceTransaction.
attributes	JSON Object	JSON object representing the transaction data.
relationships	JSON:API Relationships	Describes relationships between the transaction resource and other resources (account, customer, related transaction, receivedPayment).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the transaction was created. Common to all transaction types.
direction	string	The direction in which the funds flow. Common to all transaction types. The value is always Credit.
amount	integer	The amount (cents) of the transaction. Common to all transaction types.
balance	integer	The account balance (cents) after the transaction. Common to all transaction types.
summary	string	Summary of the transaction. Common to all transaction types.
tags	object	See Tags.

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account participating in the transaction.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
receivedPayment	JSON:API Relationship	The ReceivedPayment that was previously advanced and now completed (and repaid) .
paymentAdvanceTransaction	JSON:API Relationship	The transaction that Debit the account for the advance that this repayment is related to.

Example RepaidPaymentAdvanceTransaction resource:

{
  "type": "repaidPaymentAdvanceTransaction",
  "id": "226",
  "attributes": {
    "createdAt": "2021-04-19T12:44:08.055Z",
    "amount": 2500,
    "direction": "Credit",
    "balance": 550000,
    "summary": "Repayment for Advance Transaction with id 101 of ReceivedPayment with id 6",
    "tags": {
      "trackingId": "106a75e9-de77-4e25-9561-faffe59d7814"
    }
  },
  "relationships": {
    "account": {
      "data": {
        "type": "account",
        "id": "10001"
      }
    },
    "customer": {
      "data": {
        "type": "customer",
        "id": "10000"
      },
      "receivedPayment": {
        "data": {
          "type": "receivedPayment",
          "id": "6"
        }
      },
      "paymentAdvanceTransaction": {
        "data": {
          "type": "transaction",
          "id": "101"
        }
      }
    }
  }
}

Chargeback Transaction

chargebackTransaction is a type of transaction that is generated when a Chargeback request is initiated.

ChargebackTransaction is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the transaction resource.
type	string	Type of the transaction resource. The value is always chargebackTransaction.
attributes	JSON Object	JSON object representing the transaction data.
relationships	JSON:API Relationships	Describes relationships between the transaction resource and other resources (accounts, customer, chargeback).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the transaction was created. Common to all transaction types.
direction	string	The direction in which the funds flow. Common to all transaction types.
amount	integer	The amount (cents) of the transaction. Common to all transaction types.
balance	integer	The account balance (cents) after the transaction. Common to all transaction types.
summary	string	Summary of the transaction. Common to all transaction types, this will be the description of the chargeback.
counterparty	Counterparty	The party on the other end of the transaction.
tags	object	See Tags. Inherited from the payment tags (see Tag Inheritance).

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account of the customer.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.
counterpartyAccount	JSON:API Relationship	The account of the counterparty.
chargeback	JSON:API Relationship	The chargeback belonging to this transaction.

Example ChargebackTransaction resource:

{
  "type": "chargebackTransaction",
  "id": "9547",
  "attributes": {
    "createdAt": "2020-07-05T15:49:36.864Z",
    "direction": "Debit",
    "amount": 1000,
    "balance": 12000,
    "summary": "Chargeback for dispute #1337",
    "counterparty": {
      "name": "Jane Smith",
      "routingNumber": "812345678",
      "accountNumber": "10039",
      "accountType": "Checking"
    },
    "tags": {
      "internalId": "abc1345"
    }
  },
  "relationships": {
    "account": {
      "data": {
        "type": "account",
        "id": "10035"
      }
    },
    "customer": {
      "data": {
        "type": "customer",
        "id": "10000"
      }
    },
    "customers": {
      "data": [
        {
          "type": "customer",
          "id": "10000"
        }
      ]
    },
    "counterpartyAccount": {
      "data": {
        "type": "account",
        "id": "10036"
      }
    },
    "chargeback": {
      "data": {
        "type": "chargeback",
        "id": "10530"
      }
    }
  }
}

Authorization

Authorization is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the authorization resource.
type	string	Type of the authorization resource. The value is always authorization.
attributes	JSON Object	JSON object representing the authorization data.
relationships	JSON:API Relationships	Describes relationships between the authorization resource and other resources (account and customer).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the authorization was created.
amount	integer	The amount (cents) of the authorization.
cardLast4Digits	string	The last 4 digits of the debit card involved in the authorization.
status	string	One of Authorized, Completed, Canceled, Declined, see Authorization Statuses.
declineReason	string	Optional. The reason the authorization was declined. Available only when status is Declined
merchant.name	string	The name of the merchant.
merchant.type	integer	The 4-digit ISO 18245 merchant category code (MCC).
merchant.category	string	The merchant category, described by the MCC code (see this reference for the list of category descriptions).
merchant.location	string	Optional. The location (city, state, etc.) of the merchant.
merchant.id	string	Optional. The unique network merchant identifier.
recurring	boolean	Indicates whether the authorization is recurring
paymentMethod	string	Optional. The payment method used, one of: Manual, Swipe, Contactless, ChipAndPin, Stored, Other.
digitalWallet	string	Optional. The type of digital wallet used, one of: Google, Apple, Other.
cardVerificationData.verificationMethod	string	Optional. The verification method used, one of: Address, CVV2, AddressAndCVV2.
cardNetwork	string	Optional. The card network used, one of: Visa, Interlink, Accel, Allpoint, Other.
tags	object	See Tags. Inherited from the authorization request tags (see Tag Inheritance).
cashWithdrawalAmount	integer	Optional. Cash withdrawal amount
summary	string	Optional. Summary of the authorization.
richMerchantData	Rich Merchant Data	Optional. Full merchant information.
currencyConversion	Currency Conversion	Optional. When original currency for transaction is not USD

### Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account of the customer.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
card	JSON:API Relationship	The debit card involved in the authorization.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.
authorizationRequest	Optional, JSON:API Relationship	The preceding authorization request, if present (see Authorization Requests).

Example Authorization resource:

{
  "type": "authorization",
  "id": "97",
  "attributes": {
    "createdAt": "2021-02-21T07:29:42.447Z",
    "amount": 2000,
    "cardLast4Digits": "0019",
    "status": "Authorized",
    "merchant": {
      "name": "Europcar Mobility Group",
      "type": 3381,
      "category": "EUROP CAR",
      "location": "Cupertino, CA",
      "id": "029859000085093"
    },
    "recurring": false,
    "paymentMethod": "Contactless",
    "digitalWallet": "Apple",
    "cardVerificationData": {
      "verificationMethod": "CVV2"
    },
    "cardNetwork": "Visa",
    "summary": "Europcar Mobility Group |**0019 "
  },
  "relationships": {
    "customer": {
      "data": {
        "type": "customer",
        "id": "10000"
      }
    },
    "account": {
      "data": {
        "type": "account",
        "id": "10001"
      }
    },
    "card": {
      "data": {
        "type": "card",
        "id": "10501"
      }
    }
  }
}

Purchase Authorization Request

PurchaseAuthorizationRequest is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the purchase authorization request resource.
type	string	Type of the purchase authorization request resource. The value is always purchaseAuthorizationRequest.
attributes	JSON Object	JSON object representing the authorization request data.
relationships	JSON:API Relationships	Describes relationships between the authorization request resource and other resources (account, customer and card).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the authorization request was created.
amount	integer	The amount (cents) of the authorization request.
status	string	The status of the authorization request. Either Pending, Approved or Declined.
partialApprovalAllowed	boolean	Indicates whether the authorization request supports partial amount approval.
approvedAmount	integer	Optional. The amount (cents) that was approved. Available only when status is Approved.
declineReason	string	Optional. The reason the authorization request was declined. One of AccountClosed, CardExceedsAmountLimit, DoNotHonor, InsufficientFunds, InvalidMerchant, ReferToCardIssuer, RestrictedCard, Timeout, TransactionNotPermittedToCardholder. Available only when status is Declined
merchant.name	string	The name of the merchant.
merchant.type	integer	The 4-digit ISO 18245 merchant category code (MCC).
merchant.category	string	The merchant category, described by the MCC code (see this reference for the list of category descriptions).
merchant.location	string	Optional. The location (city, state, etc.) of the merchant.
merchant.id	string	Optional. The unique network merchant identifier.
recurring	boolean	Indicates whether the authorization is recurring
ecommerce	boolean	Optional. Indicates whether the transaction was created over an electronic network (primarily the internet).
cardPresent	boolean	Optional. Indicates whether the card was present when the transaction was created.
paymentMethod	string	Optional. The payment method used, one of: Manual, Swipe, Contactless, ChipAndPin, Stored, Other.
digitalWallet	string	Optional. The type of digital wallet used, one of: Google, Apple, Other.
cardVerificationData. verificationMethod	string	Optional. The verification method used, one of: Address, CVV2, AddressAndCVV2.
cardNetwork	string	Optional. The card network used, one of: Visa, Interlink, Accel, Allpoint, Other.
healthcareAmounts	Healthcare Amounts	Optional. IIAS related data for FSA/HRA enabled cards.
tags	object	Optional, See Tags. If specified when approving the authorization request.
cashWithdrawalAmount	integer	Optional. Cash withdrawal amount
currencyConversion	Currency Conversion	Optional. When original currency for transaction is not USD.
isInternational	boolean	Optional. Indicates whether the transaction is international.

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account of the customer.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.
card	JSON:API Relationship	The debit card used in the purchase.
fundingAccount	Optional, JSON:API Relationship	An alternate Deposit Account that will be used for funding the transaction.

Example PurchaseAuthorizationRequest resource:

{
  "type": "purchaseAuthorizationRequest",
  "id": "1",
  "attributes": {
    "createdAt": "2021-06-22T13:39:17.018Z",
    "amount": 2500,
    "status": "Pending",
    "partialApprovalAllowed": false,
    "merchant": {
      "name": "Apple Inc.",
      "type": 1000,
      "category": "",
      "location": "Cupertino, CA",
      "id": "311204598883"
    },
    "recurring": false,
    "paymentMethod": "Contactless",
    "digitalWallet": "Apple",
    "cardVerificationData": {
      "verificationMethod": "CVV2"
    },
    "ecommerce": true,
    "cardPresent": false,
    "cardNetwork": "Visa",
    "currencyConversion": {
      "originalCurrency": "EUR",
      "amountInOriginalCurrency": 1000,
      "fxRate": "1.164"
    },
    "isInternational": true
  },
  "relationships": {
    "customer": {
      "data": {
        "type": "customer",
        "id": "10000"
      }
    },
    "account": {
      "data": {
        "type": "account",
        "id": "10001"
      }
    },
    "card": {
      "data": {
        "type": "card",
        "id": "7"
      }
    }
  }
}

Card Transaction Authorization Request

CardTransactionAuthorizationRequest is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the card transaction authorization request resource.
type	string	Type of the card transaction authorization request resource. The value is always cardTransactionAuthorizationRequest.
attributes	JSON Object	JSON object representing the authorization request data.
relationships	JSON:API Relationships	Describes relationships between the authorization request resource and other resources (account, customer and card).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the authorization request was created.
amount	integer	The amount (cents) of the authorization request.
status	string	The status of the authorization request. Either Pending, Approved or Declined.
partialApprovalAllowed	boolean	Indicates whether the authorization request supports partial amount approval.
approvedAmount	integer	Optional. The amount (cents) that was approved. Available only when status is Approved.
declineReason	string	Optional. The reason the authorization request was declined. One of AccountClosed, CardExceedsAmountLimit, DoNotHonor, InsufficientFunds, InvalidMerchant, ReferToCardIssuer, RestrictedCard, Timeout, TransactionNotPermittedToCardholder. Available only when status is Declined
merchant.name	string	The name of the merchant.
merchant.type	integer	The 4-digit ISO 18245 merchant category code (MCC).
merchant.category	string	The merchant category, described by the MCC code (see this reference for the list of category descriptions).
merchant.location	string	Optional. The location (city, state, etc.) of the merchant.
merchant.id	string	Optional. The unique network merchant identifier.
recurring	boolean	Indicates whether the authorization is recurring
paymentMethod	string	Optional. The payment method used, one of: Manual, Swipe, Contactless, ChipAndPin, Stored, Other.
digitalWallet	string	Optional. The type of digital wallet used, one of: Google, Apple, Other.
cardVerificationData. verificationMethod	string	Optional. The verification method used, one of: Address, CVV2, AddressAndCVV2.
cardNetwork	string	Optional. The card network used, one of: Visa, Interlink, Accel, Allpoint, Other.
tags	object	Optional, See Tags. If specified when approving the authorization request.
currencyConversion	Currency Conversion	Optional. When original currency for transaction is not USD.
isInternational	boolean	Optional. Indicates whether the transaction is international.

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account of the customer.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.
card	JSON:API Relationship	The debit card used in the transaction.
fundingAccount	Optional, JSON:API Relationship	An alternate Deposit Account that will be used for funding the transaction.

Example CardTransactionAuthorizationRequest resource:

{
  "type": "cardTransactionAuthorizationRequest",
  "id": "1",
  "attributes": {
    "createdAt": "2021-06-22T13:39:17.018Z",
    "amount": 2500,
    "status": "Pending",
    "partialApprovalAllowed": false,
    "merchant": {
      "name": "Apple Inc.",
      "type": 1000,
      "category": "",
      "location": "Cupertino, CA",
      "id": "311204598883"
    },
    "recurring": false,
    "paymentMethod": "Contactless",
    "digitalWallet": "Apple",
    "cardVerificationData": {
      "verificationMethod": "CVV2"
    },
    "cardNetwork": "Visa",
    "currencyConversion": {
      "originalCurrency": "EUR",
      "amountInOriginalCurrency": 1000,
      "fxRate": "1.164"
    },
    "isInternational": true
  },
  "relationships": {
    "customer": {
      "data": {
        "type": "customer",
        "id": "10000"
      }
    },
    "account": {
      "data": {
        "type": "account",
        "id": "10001"
      }
    },
    "card": {
      "data": {
        "type": "card",
        "id": "7"
      }
    }
  }
}

ATM Authorization Request

AtmAuthorizationRequest is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the authorization request resource.
type	string	Type of the authorization request resource. The value is always atmAuthorizationRequest.
attributes	JSON Object	JSON object representing the authorization request data.
relationships	JSON:API Relationships	Describes relationships between the authorization request resource and other resources (account, customer and card).

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the authorization request was created.
amount	integer	The amount (cents) of the authorization request.
status	string	The status of the authorization request. Either Pending, Approved or Declined.
partialApprovalAllowed	boolean	Indicates whether the authorization request supports partial amount approval.
approvedAmount	integer	Optional. The amount (cents) that was approved. Available only when status is Approved.
declineReason	string	Optional. The reason the authorization request was declined. One of AccountClosed, CardExceedsAmountLimit, DoNotHonor, InsufficientFunds, InvalidMerchant, ReferToCardIssuer, RestrictedCard, Timeout, TransactionNotPermittedToCardholder. Available only when status is Declined
direction	string	The direction in which the funds flow (either Debit or Credit).
atmName	string	The name of the ATM.
atmLocation	string	Optional. The location (city, state, etc.) of the ATM.
surcharge	number	The surcharge fee (cents) for the transaction.
internationalServiceFee	number	Optional. The fee (cents) for international transactions.
cardNetwork	string	Optional. The card network used, one of: Visa, Interlink, Accel, Allpoint, Other.
tags	object	See Tags.
currencyConversion	Currency Conversion	Optional. When original currency for transaction is not USD.
isInternational	boolean	Optional. Indicates whether the transaction is international.

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account of the customer.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.
card	JSON:API Relationship	The debit card used in the purchase.

Example AtmAuthorizationRequest resource:

{
  "type": "atmAuthorizationRequest",
  "id": "1",
  "attributes": {
    "createdAt": "2021-06-22T13:39:17.018Z",
    "amount": 2500,
    "status": "Pending",
    "partialApprovalAllowed": false,
    "direction": "Debit",
    "atmName": "HOME FED SAV BK",
    "atmLocation": "Cupertino, CA, US",
    "surcharge": 0,
    "internationalServiceFee": 0,
    "cardNetwork": "Allpoint",
    "currencyConversion": {
      "originalCurrency": "EUR",
      "amountInOriginalCurrency": 1000,
      "fxRate": "1.164"
    },
    "isInternational": true
  },
  "relationships": {
    "customer": {
      "data": {
        "type": "customer",
        "id": "10000"
      }
    },
    "account": {
      "data": {
        "type": "account",
        "id": "10001"
      }
    },
    "card": {
      "data": {
        "type": "card",
        "id": "7"
      }
    }
  }
}

Statement

Statement is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the statement resource.
type	string	Type of the statement resource. The value is always statement.
attributes	JSON Object	JSON object representing the statement data.
relationships	JSON:API Relationships	Describes relationships between the statement resource and other resources (account and customer).

Attributes

Field	type	Description
period	string	Period of the statement, formatted YYYY-MM, e.g "2020-05".

Relationships

Field	type	Description
account	JSON:API Relationship	The account to which the statement was produced.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.

Example Statement resource:

{
  "type": "statement",
  "id": "1",
  "attributes": {
    "period": "2020-07"
  },
  "relationships": {
    "account": {
      "data": {
        "type": "account",
        "id": "1000"
      }
    },
    "customer": {
      "data": {
        "type": "customer",
        "id": "1"
      }
    }
  }
}

Tax Form

taxForm is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the tax form resource.
type	string	Type of the tax form resource.
attributes	JSON Object	JSON object representing the statement data.
relationships	JSON:API Relationships	Describes relationships between the tax form resource and other resources (account and customer).

Attributes

Field	type	Description
formType	string	the type of the tax form.
taxYear	ISO8601 Year string	The tax year of the form, formatted YYYY, e.g "2020".

Relationships

Field	type	Description
account	Optional. JSON:API Relationship	The account to which the tax form was produced. Available only if the customer to which the form was produced for owns a single account.
accounts	Optional, Array of JSON:API Relationship	The accounts to which the tax form was produced. Only available if the customer to which the tax form was produced owns multiple accounts.
customer	JSON:API Relationship	The Customer the deposit account belongs to.

Example Tax Form resource:

{
  "type": "taxForm",
  "id": "1",
  "attributes": {
    "formType": "1099-INT",
    "taxYear": "2023"
  },
  "relationships": {
    "customer": {
      "data": {
        "type": "customer",
        "id": "10"
      }
    },
    "account": {
      "data": {
        "type": "account",
        "id": "1000"
      }
    }
  }
}

BatchRelease

BatchRelease is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the batch-release resource.
type	string	Type of the batch-release resource. The value is always batchRelease.
attributes	JSON Object	JSON object representing the batch-release data.
relationships	JSON:API Relationships	Describes relationships between the batch-release resource and other resources (accounts).

Attributes

Name	Type	Description
amount	integer	The amount (in cents) to move from the batch account to the receiver account.
description	string	Description of the payment.
senderName	string	Name of the sender, before combining the payments.
senderAddress	Address	Address of the sender.
senderAccountNumber	string	Unique identifier to monitor for similar sending accounts, could be the BIN + last four digits of the card number OR a unique identifier generated by you for the sender.

Relationships

Name	Type	Description
batchAccount	JSON:API Relationship	The batch account to release the funds from.
receiver	JSON:API Relationship	The account to release the funds to.

Example BatchRelease resource:

{
  "type": "batchRelease",
  "id": "100123",
  "attributes": {
    "amount": 3000,
    "description": "Gift",
    "senderName": "Sherlock Holmes",
    "senderAccountNumber": "4581133972",
    "senderAddress": {
      "street": "221B Baker Street",
      "city": "London",
      "postalCode": "NW1 6XE",
      "country": "UK"
    }
  },
  "relationships": {
    "batchAccount": {
      "data": {
        "type": "batchAccount",
        "id": "10104"
      }
    },
    "receiver": {
      "data": {
        "type": "depositAccount",
        "id": "10097"
      }
    }
  }
}

Fee

Fee is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the fee resource.
type	string	Type of the fee resource. The value is always fee.
attributes	JSON Object	JSON object representing the fee data.
relationships	JSON:API Relationships	Describes relationships between the fee resource and other resources (accounts).

Attributes

Name	Type	Description
amount	integer	The amount (in cents) of the fee.
description	string	Description of the fee.
tags	object	See Tags.

Relationships

Name	Type	Description
account	JSON:API Relationship	The account the fee belongs to.

Example Fee resource:

{
  "data": {
    "type": "fee",
    "id": "1234",
    "attributes": {
      "amount": 1000,
      "description": "Monthly Subscription"
    },
    "relationships": {
      "account": {
        "data": {
          "type": "depositAccount",
          "id": "10097"
        }
      }
    }
  }
}

FeeReversal

FeeReversal is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the fee resource.
type	string	Type of the fee resource. The value is always feeReversal.
attributes	JSON Object	JSON object representing the fee data.
relationships	JSON:API Relationships	Describes relationships between the fee resource and other resources (accounts).

Attributes

Name	Type	Description
description	string	Description of the fee.
tags	object	See Tags.

Relationships

Name	Type	Description
account	JSON:API Relationship	The account the fee belongs to.

Example FeeReversal resource:

{
  "data": {
    "type": "fee reversal",
    "attributes": {
      "description": "Monthly Subscription - reverse"
    },
    "relationships": {
      "account": {
        "data": {
          "type": "depositAccount",
          "id": "10097"
        }
      },
      "transaction": {
        "data": {
          "type": "transaction",
          "id": "1"
        }
      }
    }
  }
}

Chargeback

This resource is generated as a result of a chargeback creation request.

Chargeback is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the chargeback resource.
type	string	Type of the chargeback resource. The value is always chargeback.
attributes	JSON Object	JSON object representing the fee data.
relationships	JSON:API Relationships	Describes relationships between the chargeback resource and other resources (accounts, transaction, customer).

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the chargeback was created.
amount	integer	The amount (in cents) of the chargeback.
description	string	Description of the chargeback.
tags	object	See Tags.

Relationships

Name	Type	Description
account	JSON:API Relationship	The Deposit Account the funds will be debited from.
customer	JSON:API Relationship	The Customer the deposit account belongs to.
counterpartyAccount	JSON:API Relationship	The account that will receive the funds.
transaction	JSON:API Relationship	The Chargeback Transaction generated by this chargeback.

Example Chargeback resource:

{
  "type": "chargeback",
  "id": "2",
  "attributes": {
    "createdAt": "2022-03-24T17:36:47.638Z",
    "amount": 5000,
    "description": "Chargeback for dispute #1337",
    "tags": {
      "internalId": "abc1345"
    }
  },
  "relationships": {
    "account": {
      "data": {
        "type": "account",
        "id": "10006"
      }
    },
    "customer": {
      "data": {
        "type": "customer",
        "id": "10007"
      }
    },
    "counterpartyAccount": {
      "data": {
        "type": "account",
        "id": "10005"
      }
    },
    "transaction": {
      "data": {
        "type": "transaction",
        "id": "25"
      }
    }
  }
}

Reward

This resource is generated as a result of a reward creation request.

Reward is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the reward resource.
type	string	Type of the reward resource. The value is always reward.
attributes	JSON Object	JSON object representing the reward data.
relationships	JSON:API Relationships	Describes relationships between the reward resource and other resources (accounts, transaction, customer).

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the reward was created.
amount	integer	The amount (in cents) of the reward.
description	string	Description of the reward.
status	string	Either Sent or Rejected (see rejectReason for details).
rejectReason	string	Optional. More information about the status.
tags	object	See Tags.

Relationships

Name	Type	Description
receivingAccount	JSON:API Relationship	The account that received the funds.
fundingAccount	JSON:API Relationship	The account that sent the funds.
rewardedTransaction	JSON:API Relationship	Optional. The transaction that caused the reward.
customer	JSON:API Relationship	The Customer the deposit account belongs to.
transaction	JSON:API Relationship	The Reward Transaction generated by the reward.
card	JSON:API Relationship	Optional. The card the belongs to the rewardedTransaction (if exists)

Example Reward resource:

{
  "type": "reward",
  "id": "20",
  "attributes": {
    "createdAt": "2022-03-31T14:42:55.780Z",
    "status": "Sent",
    "amount": 4000,
    "description": "A sample reward",
    "tags": {}
  },
  "relationships": {
    "receivingAccount": {
      "data": {
        "type": "account",
        "id": "10001"
      }
    },
    "fundingAccount": {
      "data": {
        "type": "account",
        "id": "10000"
      }
    },
    "rewardedTransaction": {
      "data": {
        "type": "transaction",
        "id": "7"
      }
    },
    "customer": {
      "data": {
        "type": "customer",
        "id": "10000"
      }
    },
    "transaction": {
      "data": {
        "type": "transaction",
        "id": "24"
      }
    }
  }
}

Event

Event is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the event resource.
type	string	Type of the event resource.
attributes	JSON Object	JSON object representing the event data, based on the event type. See Events.
relationships	JSON:API Relationships	Describes relationships between the event resource and other resources, based on the event type. See Events.

Example Event resource:

{
  "data": [
    {
      "id": "230",
      "type": "transaction.created",
      "attributes": {
        "createdAt": "2021-03-15T07:49:09.089Z",
        "amount": 10000,
        "direction": "Credit",
        "summary": "Wire to Jane Smith"
      },
      "relationships": {
        "account": {
          "data": {
            "id": "10005",
            "type": "account"
          }
        },
        "transaction": {
          "data": {
            "id": "189",
            "type": "wireTransaction"
          }
        },
        "customer": {
          "data": {
            "id": "10000",
            "type": "individualCustomer"
          }
        }
      }
    }
  ]
}

Webhook

Webhook is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the webhook resource.
type	string	Type of the webhook resource. The value is always webhook.
attributes	JSON Object	JSON object representing the webhook data.

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the webhook

was created. label | string | A label describing the webhook. url | string | The URL of the webhook endpoint. status | string | The status of the webhook. Either Enabled or Disabled. contentType | string | The type of content you wish to receive. Either Json or JsonAPI. deliveryMode | string | The attempted delivery mode of the webhook. Either AtMostOnce or AtLeastOnce. token | string | The secret token (see Securing your webhooks).

Example Webhook resource:

{
  "data": {
    "type": "webhook",
    "id": "15",
    "attributes": {
      "createdAt": "2021-04-28T09:35:01.028Z",
      "label": "some label",
      "url": "https://webhook.site/81ee6b53-fde4-4b7d-85a0-0b6249a4488d",
      "status": "Enabled",
      "contentType": "Json",
      "deliveryMode": "AtLeastOnce",
      "token": "MyToken",
      "subscriptionType": "OnlyAuthorizationRequest"
    }
  }
}

APIToken

APIToken is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the api token resource.
type	string	Type of the api token resource. The value is always apiToken.
attributes	JSON Object	JSON object representing the api token data.

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the API token was created.
description	string	A description of the API token.
expiration	RFC3339 Date string	Expiration date of the API token.
token	string	Optional. The actual bearer token. Available only on API token creation response.
sourceIp	string	Optional. A comma separated list of IP addresses that are allowed to use the API token.

Example APIToken resource:

{
  "data": {
    "id": "20",
    "type": "apiToken",
    "attributes": {
      "createdAt": "2021-07-01T09:04:50.987Z",
      "description": "Production token",
      "expiration": "2022-07-01T13:47:17.000Z",
      "token": "v2.public.eyJyb2xlIjoib3JnI..."
    }
  }
}

Account End-Of-Day

Account End-Of-Day is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the account end-of-day resource.
type	string	Type of the account end-of-day resource. The value is always accountEndOfDay.
attributes	JSON Object	JSON object representing the account end-of-day data.
relationships	JSON:API Relationships	Describes relationships between the statement resource and other resources (account and customer).

Attributes

Name	Type	Description
date	ISO Local Date string	The date the account end-of-day resource was created.
balance	integer	The balance amount (in cents). The balance equals thee sum of 'available' and 'hold'.
hold	integer	The hold amount (in cents). Not available for spending.
available	integer	The available balance for spending (in cents).
overdraftLimit	integer	Optional. The overdraft limit amount.

Relationships

Field	type	Description
account	JSON:API Relationship	The account the resource belongs to.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.

Example Account End-Of-Day resource:

{
  "type": "accountEndOfDay",
  "id": "4925158",
  "attributes": {
    "date": "2021-07-10",
    "balance": 1000,
    "available": 500,
    "hold": 500
  },
  "relationships": {
    "customer": {
      "data": {
        "type": "customer",
        "id": "10000"
      }
    },
    "account": {
      "data": {
        "type": "account",
        "id": "30317"
      }
    }
  }
}

PinStatus

PinStatus is a JSON:API resource, top-level fields:

Field	type	Description
type	string	Type of the PinStatus resource. The value is always pinStatus.
attributes	JSON Object	JSON object representing the PinStatus data.

Attributes

Name	Type	Description
status	string	Status of the PIN, either Set or NotSet.

Example PinStatus resource:

{
  "data": {
    "type": "pinStatus",
    "attributes": {
      "status": "NotSet"
    }
  }
}

Check Deposit

CheckDeposit is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the check deposit resource.
type	string	Type of the check deposit resource. The value is always checkDeposit.
attributes	JSON Object	JSON object representing the check deposit resource.
relationships	JSON:API Relationships	Describes relationships between the check deposit resource and other resources

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
status	string	One of AwaitingImages, AwaitingFrontImage, AwaitingBackImage, Pending, PendingReview, Rejected, Clearing, Sent, Canceled, Returned.
reason	string	Optional. More information about the status.
description	string	Check Deposit description (maximum of 50 characters).
amount	string	The amount (cents) of the check deposit.
checkNumber	string	Optional. The serial number printed at the bottom of the check
counterparty	Check Counterparty	Optional. The party the check belongs to.
clearingDaysOverride	integer	Optional. The amount of days it will take a check deposit to clear if a clearingDaysOverride was provided. See Dynamic Clearing Period
settlementDate	RFC3339 Date string	Optional, For Pending or Clearing, shows the date on which the check will be settled.
tags	object	See Tags.

Relationships

Name	Type	Description
account	JSON:API Relationship	The Deposit Account receiving the check deposit.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.
transaction	JSON:API Relationship	The Check Deposit Transaction generated by this check deposit.

Example CheckDeposit resource:

{
  "data": {
    "type": "checkDeposit",
    "id": "11221",
    "attributes": {
      "createdAt": "2021-05-27T09:29:30.828Z",
      "amount": 20000,
      "description": "Check deposit",
      "clearingDaysOverride": 5,
      "status": "AwaitingImages"
    },
    "relationships": {
      "account": {
        "data": {
          "type": "account",
          "id": "10001"
        }
      },
      "customer": {
        "data": {
          "type": "customer",
          "id": "10000"
        }
      }
    }
  }
}

Check Payment

CheckPayment is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the check payment resource.
type	string	Type of the check payment resource. The value is always checkPayment.
attributes	JSON Object	JSON object representing the check payment resource.
relationships	JSON:API Relationships	Describes relationships between the check payment resource and other resources

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
updatedAt	RFC3339 Date string	The date the resource was updated.
status	string	One of New, Pending, PendingCancellation, Canceled,InDelivery, Delivered, ReturnedToSender, Processed, PendingReview, MarkedForReturn, Returned, Rejected.
amount	integer	The amount (cents) of the check deposit.
description	string	Description of the Check Payment.
checkNumber	string	The serial number printed at the bottom of the check
originated	boolean	True for checks originated through Unit
onUs	string	Optional.
onUsAuxiliary	string	Optional.
counterpartyRoutingNumber	string	Optional. The routing number of the party that deposited the Check.
returnStatusReason	string	Optional. The reason the Check Payment have been marked for return or returned. See Check Payment return reasons.
rejectReason	string	Optional.
pendingReviewReasons	Array of strings	Optional. List of reasons as to why the Check Payment is in pending review status, more reasons may be added in the future, current possible reasons: SoftLimit.
returnCutoffTime	RFC3339 Date string	Optional. The last time when a return will be accepted using the return Check Payment endpoint.
additionalVerificationStatus	string	Optional. One of 'Required', 'NotRequired' or 'Approved', when Requires an additional verification will be required, see Approve Additional Verification.
tags	object	See Tags.
deliveryStatus	string	Optional. One of Mailed, InLocalArea, Delivered, Rerouted, ReturnedToSender. Available once check status is InDelivery
trackedAt	RFC3339 Date string	Optional. The date of the last delivery status update.
postalCode	String	Optional. The location of the last delivery status update.
expirationDate	String	Optional. check expiration date, formatted YYYY-MM--DD, e.g "2020-05-01".
expectedDelivery	String	check expected delivery date, formatted YYYY-MM--DD, e.g "2020-05-01".
sendAt	RFC3339 Date string	Optional. The date and time in which the check is to be sent.
counterparty	Optional. Check payment counterparty	The receiving party of the check.
memo	String	Optional. Text included on the memo line of the check.

Relationships

Name	Type	Description
account	JSON:API Relationship	The Deposit Account receiving the check payment and will be debited for it.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.
transaction	JSON:API Relationship	The Check Payment Transaction generated by this check deposit.

Example CheckPayment resource:

{
  "data": {
    "type": "checkPayment",
    "id": "3",
    "attributes": {
      "createdAt": "2023-02-21T11:31:03.704Z",
      "updatedAt": "2023-02-21T11:31:03.704Z",
      "amount": 10000,
      "sendAt": "2023-09-10T12:50:00.704Z",
      "description": "Check Payment | 0322",
      "status": "Processed",
      "deliveryStatus": "Delivered",
      "trackedAt": "2023-02-23T11:31:03.704Z",
      "postalCode": "94303",
      "checkNumber": "0322",
      "onUsAuxiliary": "0322",
      "onUs": "864800000002/",
      "counterparty": {
        "name": "John Doe",
        "address": {
          "street": "5230 Newell Rd",
          "city": "Palo Alto",
          "state": "CA",
          "postalCode": "94303"
        }
      },
      "counterpartyRoutingNumber": "051402372",
      "returnCutoffTime": "2023-03-23T15:50:00.000Z",
      "additionalVerificationStatus": "Required"
    },
    "relationships": {
      "account": {
        "data": {
          "type": "account",
          "id": "75002"
        }
      },
      "customer": {
        "data": {
          "type": "customer",
          "id": "100425"
        }
      },
      "customers": {
        "data": [
          {
            "type": "customer",
            "id": "10001"
          }
        ]
      },
      "transaction": {
        "data": {
          "type": "transaction",
          "id": "123423"
        }
      }
    }
  }
}

Check Stop Payment

checkStopPayment is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the check stop payment resource.
type	string	Type of the stop payment resource. The value is always checkStopPayment.
attributes	JSON Object	JSON object representing the check stop payment resource.
relationships	JSON:API Relationships	Describes relationships between the check stop payment resource and other resources

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
updatedAt	RFC3339 Date string	The date the resource was updated.
amount	integer	Optional. The amount (cents) of the check payment.
status	string	The status of the stop payment, one of Active or Disabled.
checkNumber	string	The checkNumber of the check payments that the stop payment operation will be applied to.
tags	object	See Tags.

Relationships

Name	Type	Description
account	JSON:API Relationship	The Deposit Account receiving the check payment and will be debited for it.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.
stoppedPayments	Optional, Array of JSON:API Relationship	The list of CheckPayments that were stopped by this stopPayment.

Example checkStopPayment resource:

{
  "type": "checkStopPayment",
  "id": "13235",
  "attributes": {
    "createdAt": "2023-02-05T18:32:34.682Z",
    "updatedAt": "2023-02-05T18:32:34.682Z",
    "amount": 21323,
    "status": "Active",
    "tags": {
      "test": "test"
    },
    "checkNumber": "006753"
  },
  "relationships": {
    "account": {
      "data": {
        "type": "account",
        "id": "123456"
      }
    },
    "customer": {
      "data": {
        "type": "customer",
        "id": "95032"
      }
    },
    "customers": {
      "data": [
        {
          "type": "customer",
          "id": "95032"
        }
      ]
    }
  }
}

ACH Stop Payment

achStopPayment is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the ACH stop payment resource.
type	string	Type of the ACH stop payment resource. The value is always achStopPayment.
attributes	JSON Object	JSON object representing the ACH stop payment resource.
relationships	JSON:API Relationships	Describes relationships between the ACH stop payment resource and other resources

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
updatedAt	RFC3339 Date string	The date the resource was updated.
minAmount	integer	Optional. The amount (cents) above which a received ACH payments will be stopped.
originatorName	Array of strings	Optional. Array of originator names to look on a payment to stop.
direction	string	Debit only.
expiration	RFC3339 Date string	Expiration date fo the stop payment
isMultiUse	Boolean
description	String
disableReason	string	Optional. One of Expired, Requested or PaymentStopped
idempotencyKey	string	Optional, but strongly recommended . See Idempotency.
tags	object	See Tags.

Relationships

Name	Type	Description
account	JSON:API Relationship	The Deposit Account receiving the check payment and will be debited for it.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to multiple individual customers.

Example achStopPayment resource:

{
  "type": "achStopPayment",
  "id": "13235",
  "attributes": {
    "createdAt": "2023-02-05T18:32:34.682Z",
    "updatedAt": "2023-02-05",
    "minAmount": 21000,
    "direction": "Debit",
    "isMultiUse": true,
    "expiration": "2025-02-05T18:32:34.682Z",
    "status": "Active",
    "description": "Test",
    "tags": {
      "test": "test"
    }
  },
  "relationships": {
    "account": {
      "data": {
        "type": "account",
        "id": "123456"
      }
    },
    "customer": {
      "data": {
        "type": "customer",
        "id": "95032"
      }
    },
    "customers": {
      "data": [
        {
          "type": "customer",
          "id": "95032"
        }
      ]
    }
  }
}

Institution

Institution is a JSON:API resource, top-level fields:

Field	type	Description
type	string	Type of the institution resource. The value is always institution.
attributes	JSON Object	JSON object representing the institution data.

Attributes

Name	Type	Description
routingNumber	string	Routing number of the institution. Valid 9-digit ABA routing transit number.
name	string	Name of the institution.
address	string	Optional. Address of the institution.
isACHSupported	boolean	Is FedACH participant.
isWireSupported	boolean	Is Fedwire participant.

Example Institution resource:

{
  "type": "institution",
  "attributes": {
    "routingNumber": "091311229",
    "name": "Choice Financial Group",
    "address": "Ste 300 Fargo ND 58104",
    "isACHSupported": true,
    "isWireSupported": false
  }
}

ApplicationForm

ApplicationForm is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the application form resource.
type	string	Type of the application form resource. The value is always applicationForm.
attributes	JSON Object	JSON object representing the application form data.
relationships	JSON:API Relationships	Describes relationships between the application form resource and other resources

Attributes

Field	Type	Description
tags	object	See Tags. Tags that will be copied to the application that this form creates (see Tag Inheritance).
url	string	The URL of the application form for the end-customer to access
stage	string	Current stage of the application form, one of: ChooseBusinessOrIndividual, EnterIndividualInformation, IndividualPhoneVerification, IndividualApplicationCreated, EnterBusinessInformation, EnterBusinessAdditionalInformation, EnterOfficerInformation, BusinessPhoneVerification, EnterBeneficialOwnersInformation, BusinessApplicationCreated, EnterSoleProprietorshipInformation, EnterSoleProprietorshipBusinessInformation, SoleProprietorshipPhoneVerification, SoleProprietorshipApplicationCreated
applicantDetails	ApplicationFormPrefill	Data that is already known about the end-customer to be auto populated on the form.
settingsOverride	ApplicationFormSettingsOverride	Disclosure URLs that will override the ones that were defined in the application form settings.

Relationships

Name	Type	Description
application	Optional, JSON:API Relationship	The Application resource that the application form has created. This relationship is only available if the application form has been completed by an end-customer and an application has been submitted.

Example ApplicationForm resource:

{
  "data": {
    "type": "applicationForm",
    "id": "95",
    "attributes": {
      "tags": {
        "userId": "106a75e9-de77-4e25-9561-faffe59d7814"
      },
      "url": "https://application-form.sh/6YZ3UG6RS7NGTO5ZB3A4SRO3NEYPJUREYIIKZDOOX2CTWBPZ4A343UB4KZSQRF3DHHKYECF4S45VP7Y2YUP5WGEHO4YVH25Q24JRM4UA5IW3OM552HAFJ3HIVIUJGJBFQ4UJMZ3VGXUG6L5XFKE2W7YX7KDOC2J",
      "stage": "IndividualApplicationCreated",
      "applicantDetails": {
        "applicationType": "Individual",
        "fullName": {
          "first": "Peter",
          "last": "Parker"
        },
        "passport": "12345678",
        "nationality": "US",
        "dateOfBirth": "2001-08-10",
        "email": "peter@oscorp.com",
        "name": "Pied Piper",
        "stateOfIncorporation": "DE",
        "entityType": "Corporation",
        "address": {
          "street": "5230 Newell Rd",
          "city": "Palo Alto",
          "state": "CA",
          "postalCode": "94303",
          "country": "US"
        },
        "phone": {
          "countryCode": "1",
          "number": "2025550187"
        }
      }
    },
    "relationships": {
      "application": {
        "data": {
          "type": "application",
          "id": "10098"
        }
      }
    }
  }
}

ATM Location

ATM Location is a JSON:API resource, top-level fields:

Field	type	Description
type	string	Type of the ATM location resource. The value is always atmLocation.
attributes	JSON Object	JSON object representing the ATM location data.

Attributes

Name	Type	Description
network	string	Name of the ATM network.
locationName	string	Name of the ATM's location.
coordinates	Coordinates	Coordinates (latitude, longitude) of the ATM.
address	Address	Address of the ATM.
distance	number	Distance to the ATM (in miles).
surchargeFree	boolean	Indicates if the ATM is surcharge free.
acceptDeposits	boolean	Indicates if the ATM accepts deposits.

Example ATM Location resource:

{
  "type": "atmLocation",
  "attributes": {
    "network": "Allpoint",
    "locationName": "SPEEDWAY",
    "coordinates": {
      "longitude": -73.93041,
      "latitude": 42.79894
    },
    "address": {
      "street": "229 S BRANDYWINE AVE",
      "city": "SCHENECTADY",
      "state": "NY",
      "postalCode": "12307",
      "country": "US"
    },
    "distance": 1.07,
    "surchargeFree": true,
    "acceptDeposits": false
  }
}

Store Location

Store Location is a JSON:API resource, top-level fields:

Field	type	Description
type	string	Type of the Store Location resource. The value is always storeLocation.
attributes	JSON Object	JSON object representing the Store Location data.

Attributes

Name	Type	Description
storeId	string	Identifier of the retail store that supports Cash Deposits. This field will be used as storeId when Creating a Cash Deposit Barcode.
retailerName	string	Name of the retail store that supports Cash Deposits.
phone	Phone	Phone of the retail store.
address	Address	Address of the retail store.
coordinates	Coordinates	Coordinates (latitude, longitude) of the retail store.
distance	number	Distance to the retail store (in miles).

Example Store Location resource:

{
  "type": "storeLocation",
  "attributes": {
    "storeId": "4385",
    "retailerName": "CVS",
    "phone": "5163248587",
    "address": {
      "street": "38 Pantigo Rd",
      "city": "East Hampton",
      "state": "NY",
      "postalCode": "11937",
      "country": "US"
    },
    "coordinates": {
      "longitude": -72.182441,
      "latitude": 40.965453
    },
    "distance": 20.74174506966581
  }
}

Cash Deposit Barcode

Cash Deposit Barcode is a JSON:API resource, top-level fields:

Field	type	Description
type	string	Type of the Cash Deposit Barcode resource. The value is always cashDepositBarcode.
attributes	JSON Object	JSON object representing the Cash Deposit Barcode data.

Attributes

Name	Type	Description
barcodeNumber	string	Unique identifier of the barcode. This field will be used in Get Barcode Image by Barcode Number endpoint.
expiration	ISO 8601 Date and time string	The expiration date and time of the barcode
storeId	string	Identifier of the retail store that supports Cash Deposits. This field is obtained from the obtained from either List by coordinates or List by post code endpoints.
retailerName	string	Name of the retailer store that supports Cash Deposits.

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account designated to receive the payment.
customer	JSON:API Relationship	The Customer the deposit account belongs to.

Example Cash Deposit Barcode resource:

{
  "data": {
    "type": "cashDepositBarcode",
    "attributes": {
      "barcodeNumber": "123456789123456789000000000000",
      "expiration": "2023-12-26T13:37:23.927Z",
      "storeId": "2481",
      "retailerName": "7-Eleven"
    },
    "relationships": {
      "customer": {
        "data": {
          "type": "customer",
          "id": "10001"
        }
      },
      "account": {
        "data": {
          "type": "account",
          "id": "10002"
        }
      }
    }
  }
}

MobileWalletPayload

MobileWalletPayload is a JSON:API resource, top-level fields:

Field	type	Description
type	string	Type of the MobileWalletPayload resource. The value is always mobileWalletPayload.
attributes	JSON Object	JSON object representing the MobileWalletPayload data.

Attributes

Name	Type	Description
payload	string	Encrypted payload.

Example MobileWalletPayload resource:

{
  "data": {
    "type": "mobileWalletPayload",
    "attributes": {
      "payload": "eyJhbGciOi..."
    }
  }
}

Dispute

Dispute is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the Dispute resource.
type	string	Type of the Dispute resource. The value is always dispute.
attributes	JSON Object	JSON object representing the Dispute data.
relationships	JSON:API Relationships	Describes relationships between the Dispute resource and other resources.

Attributes

Name	Type	Description
source	string	One of DebitCard or ACH
status	string	One of InvestigationStarted, ProvisionallyCredited, Denied, ResolvedLost, ResolvedWon.
statusHistory	Array of dispute statuses	A dispute status list with the status date. Possible statuses are InvestigationStarted, ProvisionallyCredited, Denied, ResolvedLost, ResolvedWon.
description	string	Dispute description.
createdAt	RFC3339 Date string	The date the resource was created.
updatedAt	RFC3339 Date string	Optional. The date the resource was updated.
amount	string	The amount (cents) of the payment.
decisionReason	string	Optional. Reason for a ResolvedLost status.
disputeType	string	Optional. One of Issuer, Fraud, NonFraud.

Relationships

Field	type	Description
account	JSON:API Relationship	The Deposit Account creating the payment.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
transaction	JSON:API Relationship	The transaction the resource belongs to.

Example Dispute resource:

{
  "data": {
    "type": "dispute",
    "id": "36",
    "attributes": {
      "source": "DebitCard",
      "statusHistory": [
        {
          "type": "InvestigationStarted",
          "updatedAt": "2022-02-23T12:15:47.386Z"
        }
      ],
      "status": "InvestigationStarted",
      "description": "Debit card transaction",
      "disputeType": "Fraud",
      "createdAt": "2022-02-23T12:15:47.386Z",
      "amount": 5000,
      "decisionReason": null
    },
    "relationships": {
      "customer": {
        "data": {
          "type": "customer",
          "id": "10001"
        }
      },
      "account": {
        "data": {
          "type": "account",
          "id": "10002"
        }
      },
      "transaction": {
        "data": {
          "type": "transaction",
          "id": "10003"
        }
      }
    }
  }
}

RestrictedResources

RestrictedResources is a JSON:API resource, top-level fields:

Field	type	Description
ids	Array	Array of resource identifiers.
type	string	Type of the resource. The value is always account or card.

Example RestrictedResources resource:

[
  {
    "type": "card",
    "ids": [
      "630",
      "529"
    ]
  },
  {
    "type": "account",
    "ids": [
      "10000"
    ]
  }
]

Push To Card Payment

PushToCardPayment is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the push-to-card payment resource.
type	string	Type of the payment resource. The value is always pushToCardPayment.
attributes	JSON Object	JSON object representing the payment resource.
relationships	JSON:API Relationships	Describes relationships between the push-to-card payment resource and other resources .

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
status	string	Either Pending, Sent or Rejected (see reason for details).
reason	string	Optional. More information about the status.
description	string	Payment description.
amount	string	The amount (cents) of the payment.
tags	object	See Tags.
astraRoutineId	string	Optional. In case the payment status is Sent it is the generated astra routine id

Relationships

Name	Type	Description
account	JSON:API Relationship	The Deposit Account creating the payment.
customer	Optional, JSON:API Relationship	The Customer the deposit account belongs to. This relationship is only available if the account belongs to a single customer, business or individual.
customers	Optional, Array of JSON:API Relationship	The list of Customers the deposit account belongs to. This relationship is only available if the account belongs to a multiple individual customers.
transaction	JSON:API Relationship	The PushToCard Transaction generated by this payment.
achPayment	JSON:API Relationship	The ACH Payment generated by this payment.

Example PushToCardPayment resource:

{
  "data": {
    "type": "pushToCardPayment",
    "id": "4242",
    "attributes": {
      "createdAt": "2023-03-23T13:56:04.022Z",
      "amount": 501,
      "direction": "Credit",
      "description": "My Unit Account to Card Routine #2",
      "status": "Sent",
      "astraRoutineId": "c4548932-1243-5z95-bxyc-905014n6ba31"
    },
    "relationships": {
      "account": {
        "data": {
          "type": "account",
          "id": "42"
        }
      },
      "customer": {
        "data": {
          "type": "customer",
          "id": "41"
        }
      },
      "transaction": {
        "data": {
          "type": "transaction",
          "id": "40"
        }
      },
      "org": {
        "data": {
          "type": "org",
          "id": "1"
        }
      },
      "achPayment": {
        "data": {
          "type": "achPayment",
          "id": "43"
        }
      }
    }
  }
}

ATM Authoirzation Request V2

ATM Authorization Request V2 is a JSON:API resource, top-level fields:

Field	type	Description
type	string	Type of the authorization request resource. The value is always pendingAuthorizationRequest.
id	string	The authorization request id
attributes	JSON Object	JSON object representing the authorization request data.

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
amount	integer	The amount (cents) of the transaction. Common to all transaction types.
available	integer	The available balance for spending (in cents).
status	string	The status of the request. will be always "Pending"
partialApprovalAllowed	boolean	Indicates whether the authorization request supports partial amount approval.
direction	string	The direction in which the funds flow (either Debit or Credit).
atmName	string	The name of the ATM.
atmLocation	string	Optional. The location (city, state, etc.) of the ATM.
surcharge	number	The surcharge fee (cents) for the transaction.
internationalServiceFee	number	Optional. The fee (cents) for international transactions.
mustBeApproved	boolean	Indicates whether the authorization request must be approved.
idempotencyKey	string	See Idempotency
tags	object	See Tags.
currencyConversion	Currency Conversion	Optional. When original currency for transaction is not USD.
isInternational	boolean	Optional. Indicates whether the transaction is international.
cardNetwork	string	Optional. The network that this card is a part of, e.g. Visa, Interlink, etc.

Name	Type	Description
account	JSON:API Relationship	The account of the customer creating the atm transaction.
customer	JSON:API Relationship	The customer that created the atm transaction.
card	JSON:API Relationship	The debit card used in the transaction.
authorizationRequest	JSON:API Relationship	The authorization request.

Example ATM Authorization Request V2 resource:

{
  "data": [
    {
      "type": "pendingAuthorizationRequest",
      "id": "125",
      "attributes": {
        "createdAt": "2023-07-20T09:27:49.702Z",
        "amount": 2500,
        "available": 336350,
        "status": "Pending",
        "partialApprovalAllowed": false,
        "direction": "Debit",
        "atmName": "HOME FED SAV BK",
        "surcharge": 0,
        "mustBeApproved": false,
        "idempotencyKey": "9345cd5e-3110-48bb-8b8c-09b3b714164e",
        "currencyConversion": {
          "originalCurrency": "EUR",
          "amountInOriginalCurrency": 1000,
          "fxRate": "1.164"
        },
        "isInternational": true,
        "cardNetwork": "Visa"
      },
      "relationships": {
        "account": {
          "data": {
            "id": "10005",
            "type": "account"
          }
        },
        "customer": {
          "data": {
            "id": "10001",
            "type": "customer"
          }
        },
        "card": {
          "data": {
            "id": "28",
            "type": "card"
          }
        },
        "authorizationRequest": {
          "data": {
            "id": "125",
            "type": "atmAuthorizationRequest"
          }
        }
      }
    }
  ]
}

Card Transaction Authorization Request V2

Card Transaction Authorization Request V2 is a JSON:API resource, top-level fields:

Field	type	Description
type	string	Type of the authorization request resource. The value is always pendingAuthorizationRequest.
id	string	The authorization request id
attributes	JSON Object	JSON object representing the authorization request data.

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
amount	integer	The amount (cents) of the transaction. Common to all transaction types.
available	integer	The available balance for spending (in cents).
status	string	The status of the request. will be always "Pending"
partialApprovalAllowed	boolean	Indicates whether the authorization request supports partial amount approval.
merchant.name	string	The name of the merchant.
merchant.type	integer	The 4-digit ISO 18245 merchant category code (MCC).
merchant.location	string	Optional. The location (city, state, etc.) of the merchant.
merchant.id	string	Optional. The unique network merchant identifier.
recurring	boolean	Indicates whether the authorization is recurring
direction	string	The direction in which the funds flow (either Debit or Credit).
mustBeApproved	boolean	Indicates whether the authorization request must be approved.
idempotencyKey	string	See Idempotency
tags	object	See Tags.
paymentMethod	string	Optional. The payment method used, one of: Manual, Swipe, Contactless, ChipAndPin, Stored, Other.
currencyConversion	Currency Conversion	Optional. When original currency for transaction is not USD.
isInternational	boolean	Optional. Indicates whether the transaction is international.
cardNetwork	string	Optional. The network that this card is a part of, e.g. Visa, Interlink, etc.

Name	Type	Description
account	JSON:API Relationship	The account of the customer creating the atm transaction.
customer	JSON:API Relationship	The customer that created the atm transaction.
card	JSON:API Relationship	The debit card used in the transaction.
authorizationRequest	JSON:API Relationship	The authorization request.

Example Card Transaction Authorization Request V2 resource:

{
  "data": [
    {
      "id": "415",
      "type": "pendingAuthorizationRequest",
      "attributes": {
        "createdAt": "2021-06-24T08:10:08.081Z",
        "amount": 2000,
        "available": 150000,
        "status": "Pending",
        "direction": "Debit",
        "partialApprovalAllowed": false,
        "merchant": {
          "name": "Merchant name",
          "type": "6012",
          "id": "311204598883"
        },
        "recurring": false,
        "mustBeApproved": false,
        "tags": {
          "tag": "value"
        },
        "idempotencyKey": "9345cd5e-3110-48bb-8b8c-09b3b714164e",
        "currencyConversion": {
          "originalCurrency": "EUR",
          "amountInOriginalCurrency": 1000,
          "fxRate": "1.164"
        },
        "isInternational": true,
        "cardNetwork": "Visa"
      },
      "relationships": {
        "authorizationRequest": {
          "data": {
            "id": "8",
            "type": "CardTransactionAuthorizationRequest"
          }
        },
        "account": {
          "data": {
            "id": "10001",
            "type": "account"
          }
        },
        "customer": {
          "data": {
            "id": "10000",
            "type": "customer"
          }
        },
        "card": {
          "data": {
            "id": "7",
            "type": "card"
          }
        }
      }
    }
  ]
}

Purchase Authorization Request V2

Purchase Authorization Request V2 is a JSON:API resource, top-level fields:

Field	type	Description
type	string	Type of the authorization request resource. The value is always pendingAuthorizationRequest.
id	string	The authorization request id
attributes	JSON Object	JSON object representing the authorization request data.

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
amount	integer	The amount (cents) of the transaction. Common to all transaction types.
available	integer	The available balance for spending (in cents).
status	string	The status of the request. will be always "Pending"
partialApprovalAllowed	boolean	Indicates whether the authorization request supports partial amount approval.
merchant.name	string	The name of the merchant.
merchant.type	integer	The 4-digit ISO 18245 merchant category code (MCC).
merchant.location	string	Optional. The location (city, state, etc.) of the merchant.
merchant.id	string	Optional. The unique network merchant identifier.
recurring	boolean	Indicates whether the authorization is recurring
direction	string	The direction in which the funds flow (either Debit or Credit).
mustBeApproved	boolean	Indicates whether the authorization request must be approved.
idempotencyKey	string	See Idempotency
tags	object	See Tags.
paymentMethod	string	Optional. The payment method used, one of: Manual, Swipe, Contactless, ChipAndPin, Stored, Other.
ecommerce	boolean	Optional. Indicates whether the transaction was created over an electronic network (primarily the internet).
cardPresent	boolean	Optional. Indicates whether the card was present when the transaction was created.
currencyConversion	Currency Conversion	Optional. When original currency for transaction is not USD.
isInternational	boolean	Optional. Indicates whether the transaction is international.
cardNetwork	string	Optional. The network that this card is a part of, e.g. Visa, Interlink, etc.

Name	Type	Description
account	JSON:API Relationship	The account of the customer creating the atm transaction.
customer	JSON:API Relationship	The customer that created the atm transaction.
card	JSON:API Relationship	The debit card used in the transaction.
authorizationRequest	JSON:API Relationship	The authorization request.

Example Purchase Authorization Request V2 resource:

{
  "data": [
    {
      "id": "412",
      "type": "pendingAuthorizationRequest",
      "attributes": {
        "createdAt": "2021-06-24T08:10:08.081Z",
        "amount": 2000,
        "available": 150000,
        "status": "Pending",
        "partialApprovalAllowed": false,
        "merchant": {
          "name": "Merchant name",
          "type": "6012",
          "id": "311204598883"
        },
        "recurring": false,
        "ecommerce": true,
        "cardPresent": false,
        "direction": "Debit",
        "mustBeApproved": false,
        "tags": {
          "tag": "value"
        },
        "idempotencyKey": "9345cd5e-3110-48bb-8b8c-09b3b714164e",
        "currencyConversion": {
          "originalCurrency": "EUR",
          "amountInOriginalCurrency": 1000,
          "fxRate": "1.164"
        },
        "isInternational": true,
        "cardNetwork": "Visa"
      },
      "relationships": {
        "authorizationRequest": {
          "data": {
            "id": "6",
            "type": "purchaseAuthorizationRequest"
          }
        },
        "account": {
          "data": {
            "id": "10001",
            "type": "account"
          }
        },
        "customer": {
          "data": {
            "id": "10000",
            "type": "customer"
          }
        },
        "card": {
          "data": {
            "id": "7",
            "type": "card"
          }
        }
      }
    }
  ]
}

IIAS Authorization Request V2

IIAS Authorization Request V2 is a JSON:API resource, top-level fields:

Field	type	Description
type	string	Type of the authorization request resource. The value is always pendingAuthorizationRequest.
id	string	The authorization request id
attributes	JSON Object	JSON object representing the authorization request data.

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
amount	integer	The amount (cents) of the transaction. Common to all transaction types.
available	integer	The available balance for spending (in cents).
status	string	The status of the request. will be always "Pending"
partialApprovalAllowed	boolean	Indicates whether the authorization request supports partial amount approval.
merchant.name	string	The name of the merchant.
merchant.type	integer	The 4-digit ISO 18245 merchant category code (MCC).
merchant.location	string	Optional. The location (city, state, etc.) of the merchant.
merchant.id	string	Optional. The unique network merchant identifier.
recurring	boolean	Indicates whether the authorization is recurring
direction	string	The direction in which the funds flow (either Debit or Credit).
mustBeApproved	boolean	Indicates whether the authorization request must be approved.
idempotencyKey	string	See Idempotency
tags	object	See Tags.
paymentMethod	string	Optional. The payment method used, one of: Manual, Swipe, Contactless, ChipAndPin, Stored, Other.
ecommerce	boolean	Optional. Indicates whether the transaction was created over an electronic network (primarily the internet).
cardPresent	boolean	Optional. Indicates whether the card was present when the transaction was created.
healthcareAmounts	Healthcare Amounts	Optional. IIAS related data for FSA/HRA enabled cards.
currencyConversion	Currency Conversion	Optional. When original currency for transaction is not USD.
isInternational	boolean	Optional. Indicates whether the transaction is international.
cardNetwork	string	Optional. The network that this card is a part of, e.g. Visa, Interlink, etc.

Name	Type	Description
account	JSON:API Relationship	The account of the customer creating the atm transaction.
customer	JSON:API Relationship	The customer that created the atm transaction.
card	JSON:API Relationship	The debit card used in the transaction.
authorizationRequest	JSON:API Relationship	The authorization request.

Example IIAS Authorization Request V2 resource:

{
  "data": [
    {
      "id": "412",
      "type": "pendingAuthorizationRequest",
      "attributes": {
        "createdAt": "2021-06-24T08:10:08.081Z",
        "amount": 2000,
        "available": 150000,
        "status": "Pending",
        "partialApprovalAllowed": true,
        "merchant": {
          "name": "Merchant name",
          "type": "6012"
        },
        "recurring": false,
        "ecommerce": true,
        "cardPresent": false,
        "healthCareAmounts": {
          "transitAmount": 0,
          "prescriptionRXAmount": 0,
          "visionOpticalAmount": 2000,
          "clinicOtherQualifiedMedicalAmount": 0,
          "dentalAmount": 0,
          "totalHealthcareAmount": 2000
        },
        "direction": "Debit",
        "mustBeApproved": false,
        "tags": {
          "tag": "value"
        },
        "idempotencyKey": "9345cd5e-3110-48bb-8b8c-09b3b714164e",
        "currencyConversion": {
          "originalCurrency": "EUR",
          "amountInOriginalCurrency": 1000,
          "fxRate": "1.164"
        },
        "isInternational": true,
        "cardNetwork": "Visa"
      },
      "relationships": {
        "authorizationRequest": {
          "data": {
            "id": "6",
            "type": "purchaseAuthorizationRequest"
          }
        },
        "account": {
          "data": {
            "id": "10001",
            "type": "account"
          }
        },
        "customer": {
          "data": {
            "id": "10000",
            "type": "customer"
          }
        },
        "card": {
          "data": {
            "id": "7",
            "type": "card"
          }
        }
      }
    }
  ]
}

Lending Program

Bank Sponsored Lending Program

bankSponsoredChargeCardProgram is a JSON:API resource, top-level fields:

Field	type	Description
type	string	Type of the lending program. The value is always bankSponsoredChargeCardProgram.
id	string	The lending program id
attributes	JSON Object	JSON object representing the lending program data.

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
name	String	The name of the lending program
programSizeLimit	Integer (Cents)

Example bankSponsoredChargeCardProgram resource:

{
  "data": {
    "type": "bankSponsoredChargeCardProgram",
    "id": "12",
    "attributes": {
      "createdAt": "2024-02-16T16:32:11.741Z",
      "name": "Unit Finance Inc - MyBank BankSponsored Lending Program",
      "programSizeLimit": 10900000
    }
  }
}

Client Sponsored Lending Program

clientSponsoredChargeCardProgram is a JSON:API resource, top-level fields:

Field	type	Description
type	string	Type of the lending program. The value is always clientSponsoredChargeCardProgram.
id	string	The lending program id
attributes	JSON Object	JSON object representing the lending program data.

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
name	String	The name of the lending program
programSizeLimit	Integer (Cents)

Example clientSponsoredChargeCardProgram resource:

{
  "data": {
    "type": "clientSponsoredChargeCardProgram",
    "id": "12",
    "attributes": {
      "createdAt": "2024-02-16T16:32:11.741Z",
      "name": "Unit Finance Inc - MyBank ClientSponsored Lending Program",
      "programSizeLimit": 10900000
    }
  }
}

Lending Program Extended Information

lendingProgramExtendedInformation is a JSON:API resource, top-level fields:

Field	type	Description
type	string	Type of the resource. The value is always lendingProgramExtendedInformation.
id	string	The lending program id
attributes	JSON Object	JSON object representing the lending program extended information data.

Attributes

Name	Type	Description
programSizeAvailable	Integer (Cents)	description
programSizeAllocated	Integer (Cents)	description

Example lendingProgramExtendedInformation resource:

{
  "data": {
    "type": "lendingProgramExtendedInformation",
    "id": "12",
    "attributes": {
      "programSizeAvailable": 10899600,
      "programSizeAllocated": 400
    }
  }
}

Credit Application Decision

Manual Review Credit Application Decision

manualReviewCreditApplicationDecision is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the credit decision resource.
type	string	Type of the credit decision resource. The value is always manualReviewCreditApplicationDecision.
attributes	JSON Object	JSON object representing the credit decision data.
relationships	JSON:API Relationships	Describes relationships between the credit decision resource and other resources.

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
externalApplicationId	string	Identifier for client’s credit evaluation related to this decision. Max 200 char.
evaluationType	string	The type of credit decision. This is always CreditApplication.
submissionTimestamp	timestamp	Timestamp when the corresponding credit application was submitted.
decisionTimestamp	timestamp	Timestamp when the credit decision was made.
decision	string	The Decision for this credit application. This is always ManualReview.
policyException	boolean	One of true or false.
policyExceptionReason	string	Conditional if policyException is true. Brief description of reason for policy exception. Max 200 char.
additionalUnderwritingData	json	Object containing key-value pairs of underwriting data per credit policy.

Relationships

Name	Type	Description
application	JSON:API Relationship	The Application for which this credit decision applies to.
creditApplication	JSON:API Relationship	Optional. The Credit Application for which this credit decision applies to.

Example manualReviewCreditApplicationDecision resource:

{
  "data": {
    "type": "manualReviewCreditApplicationDecision",
    "id": "1",
    "attributes": {
      "createdAt": "2023-07-04T15:21:11.688Z",
      "externalApplicationId": "A1234",
      "evaluationType": "CreditApplication",
      "submissionTimestamp": "2023-09-19T09:10:09.206Z",
      "decisionTimestamp": "2023-09-19T09:10:09.206Z",
      "decision": "ManualReview",
      "policyException": true,
      "policyExceptionReason": "Executive approval",
      "additionalUnderwritingData": {
        "someKey1": "someValue1",
        "someKey2": "someValue2",
        "someKey3": "someValue3"
      }
    },
    "relationships": {
      "application": {
        "data": {
          "type": "application",
          "id": "10005"
        }
      }
    }
  }
}

Approved Credit Application Decision

approvedCreditApplicationDecision is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the credit decision resource.
type	string	Type of the credit decision resource. The value is always approvedCreditApplicationDecision.
attributes	JSON Object	JSON object representing the credit decision data.
relationships	JSON:API Relationships	Describes relationships between the credit decision resource and other resources.

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
externalApplicationId	string	Identifier for client’s credit evaluation related to this decision. Max 200 char.
evaluationType	string	The type of credit decision. This is always CreditApplication.
submissionTimestamp	timestamp	Timestamp when the corresponding credit application was submitted.
decisionTimestamp	timestamp	Timestamp when the credit decision was made.
decision	string	The Decision for this credit application. This is always Approved.
policyException	boolean	One of true or false.
policyExceptionReason	string	Conditional if policyException is true. Brief description of reason for policy exception. Max 200 char.
additionalUnderwritingData	json	Object containing key-value pairs of underwriting data per credit policy.
creditLimit	Integer (Cents)	Credit limit for application as evaluated per policy.

Relationships

Name	Type	Description
application	JSON:API Relationship	The Application for which this credit decision applies to.
creditApplication	JSON:API Relationship	Optional. The Credit Application for which this credit decision applies to.

Example approvedCreditApplicationDecision resource:

{
  "data": {
    "type": "approvedCreditApplicationDecision",
    "id": "1",
    "attributes": {
      "createdAt": "2023-07-04T15:21:11.688Z",
      "externalApplicationId": "A1234",
      "evaluationType": "CreditApplication",
      "submissionTimestamp": "2023-09-19T09:10:09.206Z",
      "decisionTimestamp": "2023-09-19T09:10:09.206Z",
      "decision": "Approved",
      "policyException": true,
      "policyExceptionReason": "Executive approval",
      "additionalUnderwritingData": {
        "someKey1": "someValue1",
        "someKey2": "someValue2",
        "someKey3": "someValue3"
      },
      "creditLimit": 100000
    },
    "relationships": {
      "application": {
        "data": {
          "type": "application",
          "id": "10000"
        }
      }
    }
  }
}

Denied Application Decision

deniedCreditApplicationDecision is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the credit decision resource.
type	string	Type of the credit decision resource. The value is always deniedCreditApplicationDecision.
attributes	JSON Object	JSON object representing the credit decision data.
relationships	JSON:API Relationships	Describes relationships between the credit decision resource and other resources.

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
externalApplicationId	string	Identifier for client’s credit evaluation related to this decision. Max 200 char.
evaluationType	string	The type of credit decision. This is always CreditApplication.
submissionTimestamp	timestamp	Timestamp when the corresponding credit application was submitted.
decisionTimestamp	timestamp	Timestamp when the credit decision was made.
decision	string	The Decision for this credit application. This is always Denied.
policyException	boolean	One of true or false.
policyExceptionReason	string	Conditional if policyException is true. Brief description of reason for policy exception. Max 200 char.
additionalUnderwritingData	json	Object containing key-value pairs of underwriting data per credit policy.
decisionReason	string	Reason for denial per credit policy. Max 200 char.
adverseActionReasons	Array of strings	Array of strings representing Adverse action reasons (must have at least one). Max 200 char per reason.

Relationships

Name	Type	Description
application	JSON:API Relationship	The Application for which this credit decision applies to.
creditApplication	JSON:API Relationship	Optional. The Credit Application for which this credit decision applies to.

Example deniedCreditApplicationDecision resource:

{
  "data": {
    "type": "deniedCreditApplicationDecision",
    "id": "1",
    "attributes": {
      "createdAt": "2023-07-04T15:21:11.688Z",
      "externalApplicationId": "A1234",
      "evaluationType": "CreditApplication",
      "submissionTimestamp": "2023-09-19T09:10:09.206Z",
      "decisionTimestamp": "2023-09-19T09:10:09.206Z",
      "decision": "Denied",
      "policyException": true,
      "policyExceptionReason": "Executive approval",
      "additionalUnderwritingData": {
        "someKey1": "someValue1",
        "someKey2": "someValue2",
        "someKey3": "someValue3"
      },
      "decisionReason": "this is a decline reason",
      "adverseActionReasons": [
        "adverse action reason 1",
        "adverse action reason 2"
      ]
    },
    "relationships": {
      "application": {
        "data": {
          "type": "application",
          "id": "10005"
        }
      }
    }
  }
}

Credit Limit Decision

Manual Review Credit Limit Decision

manualReviewCreditLimitDecision is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the credit decision resource.
type	string	Type of the credit decision resource. The value is always manualReviewCreditLimitDecision.
attributes	JSON Object	JSON object representing the credit decision data.
relationships	JSON:API Relationships	Describes relationships between the credit decision resource and other resources.

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
externalApplicationId	string	Identifier for client’s credit evaluation related to this decision. Max 200 char.
evaluationType	string	The type of credit decision. This is always CreditLimit.
submissionTimestamp	timestamp	Timestamp when the corresponding credit application was submitted.
decisionTimestamp	timestamp	Timestamp when the credit decision was made.
decision	string	The Decision for this credit application. This is always ManualReview.
policyException	boolean	One of true or false.
policyExceptionReason	string	Conditional if policyException is true. Brief description of reason for policy exception. Max 200 char.
additionalUnderwritingData	json	Object containing key-value pairs of underwriting data per credit policy.

Relationships

Name	Type	Description
account	JSON:API Relationship	The Credit Account for which this credit decision applies to.
creditApplication	JSON:API Relationship	Optional. The Credit Application for which this credit decision applies to.

Example manualReviewCreditLimitDecision resource:

{
  "data": {
    "type": "manualReviewCreditLimitDecision",
    "id": "1",
    "attributes": {
      "createdAt": "2023-07-04T15:21:11.688Z",
      "externalApplicationId": "A1234",
      "evaluationType": "CreditLimit",
      "submissionTimestamp": "2023-09-19T09:10:09.206Z",
      "decisionTimestamp": "2023-09-19T09:10:09.206Z",
      "decision": "ManualReview",
      "policyException": true,
      "policyExceptionReason": "Executive approval",
      "additionalUnderwritingData": {
        "someKey1": "someValue1",
        "someKey2": "someValue2",
        "someKey3": "someValue3"
      }
    },
    "relationships": {
      "customer": {
        "data": {
          "type": "customer",
          "id": "10000"
        }
      },
      "account": {
        "data": {
          "type": "account",
          "id": "10005"
        }
      }
    }
  }
}

Approved Credit Limit Decision

approvedCreditLimitDecision is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the credit decision resource.
type	string	Type of the credit decision resource. The value is always approvedCreditLimitDecision.
attributes	JSON Object	JSON object representing the credit decision data.
relationships	JSON:API Relationships	Describes relationships between the credit decision resource and other resources.

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
externalApplicationId	string	Identifier for client’s credit evaluation related to this decision. Max 200 char.
evaluationType	string	The type of credit decision. This is always CreditLimit.
submissionTimestamp	timestamp	Timestamp when the corresponding credit application was submitted.
decisionTimestamp	timestamp	Timestamp when the credit decision was made.
decision	string	The Decision for this credit application. This is always Approved.
policyException	boolean	One of true or false.
policyExceptionReason	string	Conditional if policyException is true. Brief description of reason for policy exception. Max 200 char.
additionalUnderwritingData	json	Object containing key-value pairs of underwriting data per credit policy.
creditLimit	Integer (Cents)	Credit limit for application as evaluated per policy.

Relationships

Name	Type	Description
account	JSON:API Relationship	The Credit Account for which this credit decision applies to.
creditApplication	JSON:API Relationship	Optional. The Credit Application for which this credit decision applies to.

Example approvedCreditLimitDecision resource:

{
  "data": {
    "type": "approvedCreditLimitDecision",
    "id": "1",
    "attributes": {
      "createdAt": "2023-07-04T15:21:11.688Z",
      "externalApplicationId": "A1234",
      "evaluationType": "CreditLimit",
      "submissionTimestamp": "2023-09-19T09:10:09.206Z",
      "decisionTimestamp": "2023-09-19T09:10:09.206Z",
      "decision": "approved",
      "policyException": true,
      "policyExceptionReason": "Executive approval",
      "additionalUnderwritingData": {
        "someKey1": "someValue1",
        "someKey2": "someValue2",
        "someKey3": "someValue3"
      },
      "creditLimit": 1000000
    },
    "relationships": {
      "customer": {
        "data": {
          "type": "customer",
          "id": "10000"
        }
      },
      "account": {
        "data": {
          "type": "account",
          "id": "10005"
        }
      }
    }
  }
}

Denied Credit Limit Decision

deniedCreditLimitDecision is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the credit decision resource.
type	string	Type of the credit decision resource. The value is always deniedCreditLimitDecision.
attributes	JSON Object	JSON object representing the credit decision data.
relationships	JSON:API Relationships	Describes relationships between the credit decision resource and other resources.

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
externalApplicationId	string	Identifier for client’s credit evaluation related to this decision. Max 200 char.
evaluationType	string	The type of credit decision. This is always CreditLimit.
submissionTimestamp	timestamp	Timestamp when the corresponding credit application was submitted.
decisionTimestamp	timestamp	Timestamp when the credit decision was made.
decision	string	The Decision for this credit application. This is always Denied.
policyException	boolean	One of true or false.
policyExceptionReason	string	Conditional if policyException is true. Brief description of reason for policy exception. Max 200 char.
additionalUnderwritingData	json	Object containing key-value pairs of underwriting data per credit policy.
decisionReason	string	Reason for denial per credit policy. Max 200 char.
adverseActionReasons	Array of strings	Array of strings representing Adverse action reasons (must have at least one). Max 200 char per reason.

Relationships

Name	Type	Description
account	JSON:API Relationship	The Credit Account for which this credit decision applies to.
creditApplication	JSON:API Relationship	Optional. The Credit Application for which this credit decision applies to.

Example deniedCreditLimitDecision resource:

{
  "data": {
    "type": "deniedCreditLimitDecision",
    "id": "1",
    "attributes": {
      "createdAt": "2023-07-04T15:21:11.688Z",
      "externalApplicationId": "A1234",
      "evaluationType": "CreditLimit",
      "submissionTimestamp": "2023-09-19T09:10:09.206Z",
      "decisionTimestamp": "2023-09-19T09:10:09.206Z",
      "decision": "Denied",
      "policyException": true,
      "policyExceptionReason": "Executive approval",
      "additionalUnderwritingData": {
        "someKey1": "someValue1",
        "someKey2": "someValue2",
        "someKey3": "someValue3"
      },
      "decisionReason": "this is a decline reason",
      "adverseActionReasons": [
        "adverse action reason 1",
        "adverse action reason 2"
      ]
    },
    "relationships": {
      "customer": {
        "data": {
          "type": "customer",
          "id": "10000"
        }
      },
      "account": {
        "data": {
          "type": "account",
          "id": "10005"
        }
      }
    }
  }
}

Onboarding Credit Application

OnboardingCreditApplication is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the application resource.
type	string	Type of the credit application resource. For onboardingCreditApplication the value is always onboardingCustomerCreditApplication.
attributes	JSON Object	JSON object representing the credit application data.
relationships	JSON:API Relationships	Describes relationships between the credit application resource and other resources.

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the resource was created.
status	string	The status of the credit application. One of Created, Pending, Approved, Denied, Canceled.
aggregatorAccessTokens	Array of string	Optional. Array of aggregator access tokens which are Plaid (or other account linking platform) integration tokens. See Plaid processor token
annualIncome	Integer (Cents)	Optional. The annual income of the applicant.
numberOfEmployees	NumberOfEmployees	Optional. Number of employees of the business.
yearsInBusiness	Integer	Optional. Number of years the business has been in operation.
additionalUnderwritingData	json	Optional. Object containing key-value pairs of underwriting data per credit policy.

Relationships

Name	Type	Description
application	JSON:API Relationship	The Application to which this credit application applies to.
lendingProgram	JSON:API Relationship	The LendingProgram to which this credit application is related to.

Example onboardingCreditApplication resource:

{
  "data": {
    "type": "onboardingCustomerCreditApplication",
    "id": "10",
    "attributes": {
      "createdAt": "2024-02-18T11:19:44.838Z",
      "status": "Created",
      "aggregatorAccessTokens": [],
      "annualIncome": null,
      "numberOfEmployees": null,
      "yearsInBusiness": null,
      "additionalUnderwritingData": null
    },
    "relationships": {
      "application": {
        "data": {
          "type": "application",
          "id": "10002"
        }
      },
      "lendingProgram": {
        "data": {
          "type": "lendingProgram",
          "id": "1"
        }
      }
    }
  }
}

Existing Customer Credit Application

ExistingCustomerCreditApplication is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the application resource.
type	string	Type of the credit application resource. For existingCustomerCreditApplication the value is always existingCustomerCreditApplication.
attributes	JSON Object	JSON object representing the credit application data.
relationships	JSON:API Relationships	Describes relationships between the credit application resource and other resources.

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the resource was created.
status	string	The status of the credit application. One of Created, Pending, Approved, Denied, Canceled.
aggregatorAccessTokens	Array of string	Optional. Array of aggregator access tokens which are Plaid (or other account linking platform) integration tokens. See Plaid processor token
annualIncome	Integer (Cents)	Optional. The annual income of the applicant.
numberOfEmployees	NumberOfEmployees	Optional. Number of employees of the business.
yearsInBusiness	Integer	Optional. Number of years the business has been in operation.
additionalUnderwritingData	json	Optional. Object containing key-value pairs of underwriting data per credit policy.

Relationships

Name	Type	Description
customer	JSON:API Relationship	The Customer to which this credit application applies to.
lendingProgram	JSON:API Relationship	The LendingProgram to which this credit application is related to.

Example existingCustomerCreditApplication resource:

{
  "data": {
    "type": "existingCustomerCreditApplication",
    "id": "12",
    "attributes": {
      "createdAt": "2024-02-18T12:33:32.158Z",
      "status": "Pending",
      "aggregatorAccessTokens": [],
      "annualIncome": 1,
      "numberOfEmployees": "One",
      "yearsInBusiness": 4,
      "additionalUnderwritingData": {
        "dad": "dada"
      }
    },
    "relationships": {
      "customer": {
        "data": {
          "type": "customer",
          "id": "10002"
        }
      },
      "lendingProgram": {
        "data": {
          "type": "lendingProgram",
          "id": "1"
        }
      }
    }
  }
}

Approved Credit Application

ExistingCustomerCreditApplication is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the application resource.
type	string	Type of the credit application resource. For existingCustomerCreditApplication the value is always existingCustomerCreditApplication.
attributes	JSON Object	JSON object representing the credit application data.
relationships	JSON:API Relationships	Describes relationships between the credit application resource and other resources.

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the resource was created.
status	string	The status of the credit application. will be always Approved.
aggregatorAccessTokens	Array of string	Optional. Array of aggregator access tokens which are Plaid (or other account linking platform) integration tokens. See Plaid processor token
annualIncome	Integer (Cents)	Optional. The annual income of the applicant.
numberOfEmployees	NumberOfEmployees	Optional. Number of employees of the business.
yearsInBusiness	Integer	Optional. Number of years the business has been in operation.
additionalUnderwritingData	json	Optional. Object containing key-value pairs of underwriting data per credit policy.

Relationships

Name	Type	Description
application	JSON:API Relationship	The Application to which this credit application applies to.
lendingProgram	JSON:API Relationship	The LendingProgram to which this credit application is related to.

Example approvedCreditApplication resource:

{
  "data": {
    "type": "existingCustomerCreditApplication",
    "id": "12",
    "attributes": {
      "createdAt": "2024-02-18T12:33:32.158Z",
      "status": "Approved",
      "aggregatorAccessTokens": [],
      "annualIncome": 1,
      "numberOfEmployees": "One",
      "yearsInBusiness": 4,
      "additionalUnderwritingData": {
        "dad": "dada"
      }
    },
    "relationships": {
      "customer": {
        "data": {
          "type": "customer",
          "id": "10002"
        }
      },
      "lendingProgram": {
        "data": {
          "type": "lendingProgram",
          "id": "1"
        }
      }
    }
  }
}

Denied Credit Application

ExistingCustomerCreditApplication is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the application resource.
type	string	Type of the credit application resource. For existingCustomerCreditApplication the value is always existingCustomerCreditApplication.
attributes	JSON Object	JSON object representing the credit application data.
relationships	JSON:API Relationships	Describes relationships between the credit application resource and other resources.

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the resource was created.
status	string	The status of the credit application. will be always Denied.
aggregatorAccessTokens	Array of string	Optional. Array of aggregator access tokens which are Plaid (or other account linking platform) integration tokens. See Plaid processor token
annualIncome	Integer (Cents)	Optional. The annual income of the applicant.
numberOfEmployees	NumberOfEmployees	Optional. Number of employees of the business.
yearsInBusiness	Integer	Optional. Number of years the business has been in operation.
additionalUnderwritingData	json	Optional. Object containing key-value pairs of underwriting data per credit policy.

Relationships

Name	Type	Description
application	JSON:API Relationship	The Application to which this credit application applies to.
lendingProgram	JSON:API Relationship	The LendingProgram to which this credit application is related to.

Example deniedCreditApplication resource:

{
  "data": {
    "type": "existingCustomerCreditApplication",
    "id": "12",
    "attributes": {
      "createdAt": "2024-02-18T12:33:32.158Z",
      "status": "Denied",
      "aggregatorAccessTokens": [],
      "annualIncome": 1,
      "numberOfEmployees": "One",
      "yearsInBusiness": 4,
      "additionalUnderwritingData": {
        "dad": "dada"
      }
    },
    "relationships": {
      "customer": {
        "data": {
          "type": "customer",
          "id": "10002"
        }
      },
      "lendingProgram": {
        "data": {
          "type": "lendingProgram",
          "id": "1"
        }
      }
    }
  }
}

Transaction Card Fraud Case

TransactionCardFraudCase is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the transaction card fraud case resource.
type	string	Type of the transaction card fraud case resource. The value is always transactionCardFraudCase
attributes	JSON Object	JSON object representing the transaction card fraud case data.
relationships	JSON:API Relationships	Describes relationships between the transaction card fraud case resource and other resources.

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the resource was created.
status	string	The status of the card fraud case. Can be one of Created, Active, Closed, Expired.
decision	string	The decision made for the card fraud case. Can be one of Pending, Fraud, NoFraud.
expiresAt	RFC3339 Date string	The date the card fraud case expires.
cardActivities	Array of Fraud Case Card Activity	The card activities associated with the card fraud case.
updatedAt	RFC3339 Date string	Optional. The date the resource was last updated.

Relationships

Name	Type	Description
card	JSON:API Relationship	The Card the fraud case is related to.
account	JSON:API Relationship	The Account the card belongs to.
customer	JSON:API Relationship	The individual or business Customer the card belongs to.
transaction	JSON:API Relationship	The primary Transaction card activity of the card fraud case.

Example transactionCardFraudCase resource:

{
  "data": {
    "type": "transactionCardFraudCase",
    "id": "9",
    "attributes": {
      "createdAt": "2024-07-31T11:02:27.355Z",
      "status": "Closed",
      "decision": "NoFraud",
      "expiresAt": "2024-08-03T11:02:27.355Z",
      "cardActivities": [
        {
          "id": "15",
          "createdAt": "2024-07-31T11:02:27.355Z",
          "activityType": "Authorization",
          "cardActivityCreatedAt": "2024-07-31T11:02:27.270Z",
          "cardActivity": "8082294",
          "location": "Cupertino, CA, US",
          "merchant": "Apple Inc.",
          "amount": 2500,
          "decision": "Fraud",
          "updatedAt": "2024-07-31T11:04:43.696Z"
        },
        {
          "id": "16",
          "createdAt": "2024-07-31T11:02:27.355Z",
          "activityType": "Authorization",
          "cardActivityCreatedAt": "2024-07-30T14:40:13.147Z",
          "cardActivity": "8069211",
          "location": "Cupertino, CA, US",
          "merchant": "Apple Inc.",
          "amount": 100,
          "decision": "NoFraud",
          "updatedAt": "2024-07-31T11:04:43.696Z"
        },
        {
          "id": "17",
          "createdAt": "2024-07-31T11:02:27.355Z",
          "activityType": "Transaction",
          "cardActivityCreatedAt": "2024-07-30T14:40:07.534Z",
          "cardActivity": "8069210",
          "location": "Cupertino, CA, US",
          "merchant": "Apple Inc.",
          "amount": 100,
          "decision": "NoFraud",
          "updatedAt": "2024-07-31T11:04:43.696Z"
        }
      ],
      "updatedAt": "2024-07-31T11:04:43.696Z"
    },
    "relationships": {
      "card": {
        "data": {
          "type": "card",
          "id": "2200412"
        }
      },
      "account": {
        "data": {
          "type": "account",
          "id": "49230"
        }
      },
      "customer": {
        "data": {
          "type": "customer",
          "id": "49430"
        }
      },
      "transaction": {
        "data": {
          "type": "transaction",
          "id": "8069210"
        }
      }
    }
  }
}

Authorization Card Fraud Case

AuthorizationCardFraudCase is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the authorization card fraud case resource.
type	string	Type of the authorization card fraud case resource. The value is always authorizationCardFraudCase
attributes	JSON Object	JSON object representing the authorization card fraud case data.
relationships	JSON:API Relationships	Describes relationships between the authorization card fraud case resource and other resources.

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the resource was created.
status	string	The status of the card fraud case. Can be one of Created, Active, Closed, Expired.
decision	string	The decision made for the card fraud case. Can be one of Pending, Fraud, NoFraud.
expiresAt	RFC3339 Date string	The date the card fraud case expires.
cardActivities	Array of Fraud Case Card Activity	The card activities associated with the card fraud case.
updatedAt	RFC3339 Date string	Optional. The date the resource was last updated.

Relationships

Name	Type	Description
card	JSON:API Relationship	The Card the fraud case is related to.
account	JSON:API Relationship	The Account the card belongs to.
customer	JSON:API Relationship	The individual or business Customer the card belongs to.
transaction	JSON:API Relationship	The primary Authorization card activity of the card fraud case.

Example authorizationCardFraudCase resource:

{
  "data": {
    "type": "authorizationCardFraudCase",
    "id": "9",
    "attributes": {
      "createdAt": "2024-07-31T11:02:27.355Z",
      "status": "Closed",
      "decision": "Fraud",
      "expiresAt": "2024-08-03T11:02:27.355Z",
      "cardActivities": [
        {
          "id": "15",
          "createdAt": "2024-07-31T11:02:27.355Z",
          "activityType": "Authorization",
          "cardActivityCreatedAt": "2024-07-31T11:02:27.270Z",
          "cardActivity": "8082294",
          "location": "Cupertino, CA, US",
          "merchant": "Apple Inc.",
          "amount": 2500,
          "decision": "Fraud",
          "updatedAt": "2024-07-31T11:04:43.696Z"
        },
        {
          "id": "16",
          "createdAt": "2024-07-31T11:02:27.355Z",
          "activityType": "Authorization",
          "cardActivityCreatedAt": "2024-07-30T14:40:13.147Z",
          "cardActivity": "8069211",
          "location": "Cupertino, CA, US",
          "merchant": "Apple Inc.",
          "amount": 100,
          "decision": "NoFraud",
          "updatedAt": "2024-07-31T11:04:43.696Z"
        },
        {
          "id": "17",
          "createdAt": "2024-07-31T11:02:27.355Z",
          "activityType": "Transaction",
          "cardActivityCreatedAt": "2024-07-30T14:40:07.534Z",
          "cardActivity": "8069210",
          "location": "Cupertino, CA, US",
          "merchant": "Apple Inc.",
          "amount": 100,
          "decision": "NoFraud",
          "updatedAt": "2024-07-31T11:04:43.696Z"
        }
      ],
      "updatedAt": "2024-07-31T11:04:43.696Z"
    },
    "relationships": {
      "card": {
        "data": {
          "type": "card",
          "id": "2200412"
        }
      },
      "account": {
        "data": {
          "type": "account",
          "id": "49230"
        }
      },
      "customer": {
        "data": {
          "type": "customer",
          "id": "49430"
        }
      },
      "authorization": {
        "data": {
          "type": "authorization",
          "id": "8082294"
        }
      }
    }
  }
}

Card Fraud Outreach Policy

CardFraudOutreachPolicy is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the card fraud outreach policy resource.
type	string	Type of the card fraud outreach policy resource. The value is always cardFraudOutreachPolicy
attributes	JSON Object	JSON object representing the card fraud outreach policy data.
relationships	JSON:API Relationships	Describes relationships between the card fraud outreach policy resource and other resources.

Attributes

Field	type	Description
createdAt	RFC3339 Date string	The date the resource was created.
activitiesLookBackPeriodHours	integer	The period in hours before the card fraud case was created, for which the card fraud case activities were included in the case. Can be one of the following periods: 12, 24, 48, 72
caseExpirationPeriodHours	integer	The period in hours after the card fraud case was created, after which the card fraud case expires. Can be one of the following periods: 12, 24, 48, 72.
numberOfActivities	integer	The number of card activities that are included in the card fraud case. Up to 5 activities max.
contactPhone	Phone	The client support contact phone number.
contactUrl	string	The client support contact URL.
enabled	boolean	Indicates whether the policy is enabled.

Relationships

Name	Type	Description
emailOutreachSettings	JSON:API Relationship	The EmailOutreachSettings that is associated to the card fraud outreach policy.
whiteLabelTheme	JSON:API Relationship	The WhiteLabelTheme that is associated to the policy.

Example cardFraudOutreachPolicy resource:

{
  "data": {
    "type": "cardFraudOutreachPolicy",
    "id": "1",
    "attributes": {
      "createdAt": "2024-07-30T14:29:29.986Z",
      "activitiesLookBackPeriodHours": 72,
      "caseExpirationPeriodHours": 72,
      "numberOfActivities": 3,
      "contactPhone": {
        "countryCode": "213",
        "number": "5350405030"
      },
      "contactUrl": "https://thisIsMyDomain.unit.co",
      "enabled": true
    },
    "relationships": {
      "emailOutreachSettings": {
        "data": {
          "type": "emailOutreachSettings",
          "id": "10023"
        }
      },
      "messageOutreachSettings": {
        "data": {
          "type": "messageOutreachSettings",
          "id": "10022"
        }
      },
      "whiteLabelTheme": {
        "data": {
          "type": "whiteLabelTheme",
          "id": "54728"
        }
      }
    }
  }
}

AccountHold

AccountHold is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the account hold resource.
type	string	Type of the resource, the value is always accountHold.
attributes	JSON Object	JSON object representing the account hold data.
relationships	JSON:API Relationships	Describes relationships between the account hold resource and the account.

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
status	string	Status of the account hold, either Active, Released.
amount	integer	The amount (cents) of the payment.
expiredAt	RFC3339 Date string	Optional. Date only (e.g. "2001-08-15"). the date the account hold will be automatically released at.
description	string	Account hold description (maximum of 80 characters).
tags	object	See Tags.

Relationships

Name	Type	Description
account	JSON:API Relationship	The Account the account hold belongs to.

Example AccountHold Resource:

{
  "data": {
    "type": "accountHold",
    "id": "7345432",
    "attributes": {
      "createdAt": "2024-10-02T12:39:25.107Z",
      "status": "Active",
      "amount": 4433,
      "description": "Account Hold Reason 1"
    },
    "relationships": {
      "account": {
        "data": {
          "type": "account",
          "id": "158853345"
        }
      }
    }
  }
}

WireDrawdown

WireDrawdown is a JSON:API resource, top-level fields:

Field	type	Description
id	string	Identifier of the wire drawdown resource.
type	string	Type of the resource, the value is always wire-drawdown.
attributes	JSON Object	JSON object representing the wire drawdown data.
relationships	JSON:API Relationships	Describes relationships between the wire-drawdown resource and other resources.

Attributes

Name	Type	Description
createdAt	RFC3339 Date string	The date the resource was created.
amount	integer	The amount (cents) of the wire drawdown.
description	string	Wire drawdown description.
counterparty	Wire Counterparty	The beneficiary party on the other end of the wire drawdown.
direction	string	The direction of the wire drawdown, either Incoming or Outgoing.
imad	string	Input Message Accountability Data. It's a unique number given to each wire drawdown.
omad	string	Output Message Accountability Data. It's a unique number given to each wire drawdown.
senderReference	string	Sender reference.
referenceForBeneficiary	string	Reference for the Beneficiary.
beneficiaryInformation	string	Beneficiary Information, multi-line string delimited by \n.
beneficiaryAdviceInformation	string	Beneficiary Advice Information, multi-line string delimited by \n.
originatorToBeneficiaryInformation	string	Originator To Beneficiary Information, multi-line string delimited by \n.

Relationships

Name	Type	Description
account	JSON:API Relationship	The Account the wire drawdown belongs to.
customer	JSON:API Relationship	The Customer the wire drawdown belongs to.

Example WireDrawdown Resource:

{
  "type": "wireDrawdown",
  "id": "10000",
  "attributes": {
    "createdAt": "2024-10-29T21:35:58.898Z",
    "amount": 97,
    "direction": "Incoming",
    "counterparty": {
      "name": "LAB LLC",
      "routingNumber": "021000021",
      "accountNumber": "1000000000"
    },
    "imad": "20241029MMAAAAAA033351",
    "omad": "20241029MMBBBBBB00041910291735FT03",
    "description": "Hello World",
    "senderReference": "54465316546"
  },
  "relationships": {
    "account": {
      "data": {
        "type": "account",
        "id": "10000"
      }
    },
    "customer": {
      "data": {
        "type": "customer",
        "id": "10000"
      }
    }
  }
}