Finicity

Finicity Account Validation Assistance API

Micro entries and account verification

Documentation GitHub OpenAPI

Operations 3

POST /microentry/v1/customers/{customerId} Initiate Micro Entries #

POST /microentry/v1/customers/{customerId}/accounts/{accountId}/amounts Verify Micro Entries #

GET /microentry/v1/customers/{customerId}/accounts/{accountId} Get Micro Entries Details #

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OpenAPI Specification

openapi: 3.2.0
info:
  title: Open Finance Account Validation Assistance API
  description: 'OpenAPI specification for Finicity APIs.


    Open Finance (formerly Open Banking) solutions in the US are provided by

    Finicity, a Mastercard company.'
  contact:
    name: API Support
    email: apisupport@mastercard.com
    url: https://developer.mastercard.com/open-finance-us/documentation/support/
  version: 1.43.0
servers:
- url: https://api.finicity.com
  description: Production
security:
- FinicityAppKey: []
  FinicityAppToken: []
tags:
- name: Account Validation Assistance
  description: Micro entries and account verification
paths:
  /microentry/v1/customers/{customerId}:
    post:
      tags:
      - Account Validation Assistance
      summary: Initiate Micro Entries
      description: "Initiate the micro entries to customer's account.\n\nTwo random micro amounts less than a dollar each will be deposited to provided customer's account.\n\n  _Supported regions_: ![\U0001F1FA\U0001F1F8](https://flagcdn.com/20x15/us.png)"
      operationId: InitiateMicroAmountDeposits
      parameters:
      - $ref: '#/components/parameters/CustomerIdParameter'
      requestBody:
        $ref: '#/components/requestBodies/InitiateMicroAmountDepositsRequest'
      responses:
        '200':
          $ref: '#/components/responses/InitiateMicroAmountDepositsResponse'
        '400':
          $ref: '#/components/responses/InitiateMicroEntriesBadRequestErrorResponse'
        '401':
          $ref: '#/components/responses/UnauthorizedErrorResponse'
        '404':
          $ref: '#/components/responses/ResourceNotFoundErrorResponse'
        '409':
          $ref: '#/components/responses/ConflictErrorResponse'
        '429':
          $ref: '#/components/responses/TooManyRequestsErrorResponse'
  /microentry/v1/customers/{customerId}/accounts/{accountId}/amounts:
    post:
      tags:
      - Account Validation Assistance
      summary: Verify Micro Entries
      description: "Verify the micro entries as received by customer in customer's account.\nCustomer needs to verify the micro amounts received in customer's account. `customerId` and `accountId` are the identifiers of the customer and account  receiving the micro entries.\n\n  _Supported regions_: ![\U0001F1FA\U0001F1F8](https://flagcdn.com/20x15/us.png)"
      operationId: VerifyMicroAmountDeposits
      parameters:
      - $ref: '#/components/parameters/CustomerIdParameter'
      - $ref: '#/components/parameters/AccountIdParameter'
      requestBody:
        $ref: '#/components/requestBodies/VerifyMicroAmountDepositsRequest'
      responses:
        '200':
          $ref: '#/components/responses/VerifyMicroAmountDepositsResponse'
        '400':
          $ref: '#/components/responses/VerifyMicroAmountDepositsBadRequestErrorResponse'
        '401':
          $ref: '#/components/responses/UnauthorizedErrorResponse'
        '404':
          $ref: '#/components/responses/ResourceNotFoundErrorResponse'
  /microentry/v1/customers/{customerId}/accounts/{accountId}:
    get:
      tags:
      - Account Validation Assistance
      summary: Get Micro Entries Details
      description: "Fetch the micro entries details.\n`customerId` and `accountId` are the identifiers of the customer and account receiving the micro entries.\n\n  _Supported regions_: ![\U0001F1FA\U0001F1F8](https://flagcdn.com/20x15/us.png)"
      operationId: GetMicroDepositsDetails
      parameters:
      - $ref: '#/components/parameters/CustomerIdParameter'
      - $ref: '#/components/parameters/AccountIdParameter'
      responses:
        '200':
          $ref: '#/components/responses/GetMicroDepositsDetailsResponse'
        '400':
          $ref: '#/components/responses/BadRequestErrorResponse'
        '401':
          $ref: '#/components/responses/UnauthorizedErrorResponse'
        '404':
          $ref: '#/components/responses/ResourceNotFoundErrorResponse'
components:
  examples:
    MissingFinicityAppKeyExample:
      value:
        code: '10026'
        message: Missing parameter (Finicity-App-Key)
    ResellerInvalidDateRangeGreaterThan31DaysExample:
      value:
        code: '10100'
        message: 'RESELLER_BILLING_REPORT: Invalid date range - It is more than 31 days'
    ResellerNoReportForPartnerExample:
      value:
        code: '10100'
        message: Cannot find resellerBilling reports with id 2445581559892.
    ResellerInvalidDateRangeGreaterThanEndDateExample:
      value:
        code: '10100'
        message: 'RESELLER_BILLING_REPORT: Invalid date range - startDate is greaterThan endDate'
    BothCraAndFtcPurposeTrueExample:
      value:
        code: '10100'
        status: '400'
        message: forCRAPurpose and forFTCPurpose may not both be TRUE.
    ConsumerExistsConflictExample:
      value:
        code: '11000'
        message: A consumer already exists for customer 4025024821
    MicrodepositAmountsDidNotMatchExample:
      value:
        code: '3200004'
        message: Microdeposit amounts didn't match
    MissingFieldExample:
      value:
        code: '10005'
        message: Missing parameter (partnerId)
    ResellerInvalidDateRangeLessThanZeroExample:
      value:
        code: '10100'
        message: 'RESELLER_BILLING_REPORT: Invalid date range - start or end date less than or equal to zero'
    InvalidConsumerEmailExample:
      value:
        code: '10100'
        message: Invalid format for field consumer.email.
    BadCredentialsExample:
      value:
        code: '24302'
        message: Bad credentials
    InvalidMemoExample:
      value:
        code: '3000003'
        message: Invalid memo
    InvalidForesightReportRequestExample:
      value:
        code: '10100'
        message: At least one of customerId or externalCustomerId must be provided; both are also allowed.
    NoRegisteredApplicationExample:
      value:
        code: '50051'
        message: No registered partner applications found.
    ExpiredFinicityAppTokenExample:
      value:
        code: '10023'
        message: Expired (Finicity-App-Token)
    InvalidFieldExample:
      value:
        code: '10010'
        status: '400'
        message: Customer ID does not exist or does not belong to this partner
        user_message: One or more of the fields could not be validated. Please ensure you have entered the correct data.
        tags: ''
    InvalidValueExample:
      value:
        code: '1618'
        message: Negative or invalid value entered. Please use positive numbers only.
    InvalidConsumerSSNExample:
      value:
        code: '10100'
        message: Invalid format for field consumer.ssn.  Required format is 9 digits.
    InvalidFinicityAppTokenExample:
      value:
        code: '10022'
        message: Invalid (Finicity-App-Token)
    NoAccountForInstitutionLoginIdExample:
      value:
        code: '38007'
        message: Customer does not have any accounts associated with institutionLoginId.
    CustomerNotFoundExample:
      value:
        code: '14001'
        message: Customer not found.
    ResellerNoDataForPartnerExample:
      value:
        code: '10100'
        message: 'RESELLER_BILLING_REPORT: Reports not found 2445583947903 resellerBilling reports'
    InvalidAccountNameExample:
      value:
        code: '3100001'
        message: Account already exist
    ResellerInvalidDateRangeExample:
      value:
        code: '10100'
        message: 'RESELLER_BILLING_REPORT: Invalid date range - start or end date is empty or null'
    ExpiredTokenExample:
      value:
        code: '10023'
        message: Expired (Finicity-App-Token)
    AccountAlreadyExistsExample:
      value:
        code: '3100001'
        message: Account already exist
    ResourceNotFoundExample:
      value:
        code: '14001'
        message: Resource not found.
    ConsumerNotFoundExample:
      value:
        code: '10100'
        message: Cannot find consumer with id 1234.
    GenericBadRequestExample:
      value:
        code: '14020'
        message: Bad request.
    InvalidAccountNumberExample:
      value:
        code: '3000001'
        message: Invalid account number
    InvalidConsumerPhoneExample:
      value:
        code: '10100'
        message: Invalid format for field consumer.phone.
    MicrodepositVerificationAttemptsExample:
      value:
        code: '3200003'
        message: Microdeposit verification attempts exceeded
    AccountTypeNotSupportedExample:
      value:
        code: '14020'
        message: Bad request. (Account type not supported).
    PermissiblePurposeCodeExample:
      value:
        code: '10100'
        status: '400'
        message: Permissible Purpose Code is required
    TooManyRequestsExample:
      value:
        code: '3300001'
        message: Too many request. Please try after some time
    InvalidAmountFormatExample:
      value:
        code: '3000003'
        message: Invalid amount format
    ResellerPartnerNotAuthorizedExample:
      value:
        code: '10100'
        message: 'RESELLER_BILLING_REPORT: Partner is not authorized to access resellerBilling reports for partnerId 2445583947903'
    MicrodepositStatusErrorExample:
      value:
        code: '3200002'
        message: Microdeposit is in <status> status
    CustomerReportLimitExceedExample:
      value:
        code: '20400'
        message: The max report generation limit was exceeded for this customer.
    InvalidRoutingNumberExample:
      value:
        code: '20024'
        message: Invalid routing number
    MicrodepositsInitiationFailedExample:
      value:
        code: '3200001'
        message: Microdeposits initiation failed
    MicrodepositsProcessingFailedExample:
      value:
        code: '3000000'
        message: Microdeposit initiation can't be processed at this time due to technical difficulties. Please try after some time
    InvalidExperienceFieldExample:
      value:
        code: '10010'
        status: '400'
        message: '"experience" must be a valid GUID'
        user_message: One or more of the fields could not be validated. Please ensure you have entered the correct data.
        tags: ''
    NoConsumerForCustomerExample:
      value:
        code: '10100'
        message: Cannot find consumer for customer with id 5011115315."
    MissingFinicityAppTokenExample:
      value:
        code: '10024'
        message: Missing parameter (Finicity-App-Token)
  responses:
    GetMicroDepositsDetailsResponse:
      description: Micro entries were successfully retrieved
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/MicroDepositDetails'
    BadRequestErrorResponse:
      description: The request was rejected
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorMessage'
          examples:
            PermissiblePurposeCodeExample:
              $ref: '#/components/examples/PermissiblePurposeCodeExample'
            InvalidForesightReportRequestExample:
              $ref: '#/components/examples/InvalidForesightReportRequestExample'
            BothCraAndFtcPurposeTrueExample:
              $ref: '#/components/examples/BothCraAndFtcPurposeTrueExample'
            MissingFieldExample:
              $ref: '#/components/examples/MissingFieldExample'
            InvalidFieldExample:
              $ref: '#/components/examples/InvalidFieldExample'
            InvalidExperienceFieldExample:
              $ref: '#/components/examples/InvalidExperienceFieldExample'
            GenericBadRequestExample:
              $ref: '#/components/examples/GenericBadRequestExample'
            AccountTypeNotSupportedExample:
              $ref: '#/components/examples/AccountTypeNotSupportedExample'
            ResellerPartnerNotAuthorizedExample:
              $ref: '#/components/examples/ResellerPartnerNotAuthorizedExample'
            ResellerInvalidDateRangeExample:
              $ref: '#/components/examples/ResellerInvalidDateRangeExample'
            ResellerInvalidDateRangeLessThanZeroExample:
              $ref: '#/components/examples/ResellerInvalidDateRangeLessThanZeroExample'
            ResellerInvalidDateRangeGreaterThanEndDateExample:
              $ref: '#/components/examples/ResellerInvalidDateRangeGreaterThanEndDateExample'
            ResellerInvalidDateRangeGreaterThan31DaysExample:
              $ref: '#/components/examples/ResellerInvalidDateRangeGreaterThan31DaysExample'
            CustomerReportLimitExceedExample:
              $ref: '#/components/examples/CustomerReportLimitExceedExample'
            InvalidConsumerSSNExample:
              $ref: '#/components/examples/InvalidConsumerSSNExample'
            InvalidConsumerPhoneExample:
              $ref: '#/components/examples/InvalidConsumerPhoneExample'
            InvalidConsumerEmailExample:
              $ref: '#/components/examples/InvalidConsumerEmailExample'
            InvalidValue:
              $ref: '#/components/examples/InvalidValueExample'
    InitiateMicroAmountDepositsResponse:
      description: Micro entries were successfully initiated
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/InitiatedMicroDeposit'
    UnauthorizedErrorResponse:
      description: The request lacks valid authentication credentials. Check "Finicity-App-Key" or "Finicity-App-Token".
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorMessage'
          examples:
            ExpiredTokenExample:
              $ref: '#/components/examples/ExpiredTokenExample'
            MissingFinicityAppKeyExample:
              $ref: '#/components/examples/MissingFinicityAppKeyExample'
            MissingFinicityAppTokenExample:
              $ref: '#/components/examples/MissingFinicityAppTokenExample'
            InvalidFinicityAppTokenExample:
              $ref: '#/components/examples/InvalidFinicityAppTokenExample'
            ExpiredFinicityAppTokenExample:
              $ref: '#/components/examples/ExpiredFinicityAppTokenExample'
            BadCredentialsExample:
              $ref: '#/components/examples/BadCredentialsExample'
        text/plain:
          schema:
            type: string
            example: Invalid (Finicity-App-Key)
    VerifyMicroAmountDepositsResponse:
      description: Micro entries were successfully verified
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/VerifiedMicroDeposit'
    VerifyMicroAmountDepositsBadRequestErrorResponse:
      description: Micro entries verification failed. status field could be any except "Verified" and "Completed".
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/MicroDepositVerificationError'
          examples:
            InvalidAmountFormatExample:
              $ref: '#/components/examples/InvalidAmountFormatExample'
            MicrodepositStatusErrorExample:
              $ref: '#/components/examples/MicrodepositStatusErrorExample'
            MicrodepositVerificationAttemptsExample:
              $ref: '#/components/examples/MicrodepositVerificationAttemptsExample'
            MicrodepositAmountsDidNotMatchExample:
              $ref: '#/components/examples/MicrodepositAmountsDidNotMatchExample'
            GenericBadRequestExample:
              $ref: '#/components/examples/GenericBadRequestExample'
    InitiateMicroEntriesBadRequestErrorResponse:
      description: The request was rejected
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorMessage'
          examples:
            InvalidMemoExample:
              $ref: '#/components/examples/InvalidMemoExample'
            InvalidRoutingNumberExample:
              $ref: '#/components/examples/InvalidRoutingNumberExample'
            InvalidAccountNameExample:
              $ref: '#/components/examples/InvalidAccountNameExample'
            InvalidAccountNumberExample:
              $ref: '#/components/examples/InvalidAccountNumberExample'
            AccountAlreadyExistsExample:
              $ref: '#/components/examples/AccountAlreadyExistsExample'
            MicrodepositsInitiationFailedExample:
              $ref: '#/components/examples/MicrodepositsInitiationFailedExample'
            MicrodepositsProcessingFailedExample:
              $ref: '#/components/examples/MicrodepositsProcessingFailedExample'
            TooManyRequestsExample:
              $ref: '#/components/examples/TooManyRequestsExample'
            GenericBadRequestExample:
              $ref: '#/components/examples/GenericBadRequestExample'
    ResourceNotFoundErrorResponse:
      description: The resource doesn't exist
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorMessage'
          examples:
            ConsumerNotFoundExample:
              $ref: '#/components/examples/ConsumerNotFoundExample'
            NoAccountForInstitutionLoginIdExample:
              $ref: '#/components/examples/NoAccountForInstitutionLoginIdExample'
            CustomerNotFoundExample:
              $ref: '#/components/examples/CustomerNotFoundExample'
            NoConsumerForCustomerExample:
              $ref: '#/components/examples/NoConsumerForCustomerExample'
            ResourceNotFoundExample:
              $ref: '#/components/examples/ResourceNotFoundExample'
            NoRegisteredApplicationExample:
              $ref: '#/components/examples/NoRegisteredApplicationExample'
            ResellerNoDataForPartnerExample:
              $ref: '#/components/examples/ResellerNoDataForPartnerExample'
            ResellerNoReportForPartnerExample:
              $ref: '#/components/examples/ResellerNoReportForPartnerExample'
    TooManyRequestsErrorResponse:
      description: The service can't accept more requests or is not available from the Test Drive.
    ConflictErrorResponse:
      description: The resource already exists
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorMessage'
          examples:
            ConsumerExistsConflictExample:
              $ref: '#/components/examples/ConsumerExistsConflictExample'
  requestBodies:
    InitiateMicroAmountDepositsRequest:
      required: true
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/MicroDepositInitiation'
    VerifyMicroAmountDepositsRequest:
      required: true
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/MicroDepositVerification'
  schemas:
    MicroDepositVerificationError:
      type: object
      properties:
        status:
          $ref: '#/components/schemas/MicroDepositStatus'
        statusDescription:
          $ref: '#/components/schemas/MicroDepositStatusDescription'
    InitiatedMicroDeposit:
      type: object
      properties:
        accountId:
          $ref: '#/components/schemas/AccountId'
        status:
          type: string
          example: Pending
          description: Micro entries successful initiation status
        depositCount:
          $ref: '#/components/schemas/MicroDepositCount'
        statusDescription:
          type: string
          example: Micro entries successfully initiated
          description: Micro entries successful initiation description
        railType:
          $ref: '#/components/schemas/RailType'
    DecimalNumber:
      type: number
      format: float
      description: Decimal number
      example: 0.12
    ErrorMessage:
      required:
      - code
      type: object
      properties:
        code:
          type: object
          description: 'An error code (can be returned as a number or a string). Useful links: [Common API Status Codes](https://developer.mastercard.com/open-finance-us/documentation/errors/best-practices/#common-api-status-codes), [Aggregation Status Codes](https://developer.mastercard.com/open-finance-us/documentation/products/manage/account-aggregation/#aggregation-status-codes).'
          example: '10001'
        status:
          type: string
          description: A status code
          example: '401'
        title:
          type: string
          description: A title for the error
          example: Connecting accounts error
        level:
          type: string
          description: An error level
          example: error
        message:
          type: string
          description: An error message
          example: Invalid authorization credentials
        user_message:
          type: string
          description: Some more details about the error
          example: The session has expired or is invalid
        assetId:
          $ref: '#/components/schemas/AssetId'
        accountId:
          $ref: '#/components/schemas/AccountId'
        externalTransactionId:
          type: string
          description: A unique identifier for the transaction that assists in linking data back to your systems.
          example: MAC1005061234
          minLength: 1
          maxLength: 100
        tags:
          type: string
          description: Categories that the error belongs to
          example: AGG
    AccountId:
      type: string
      description: An account ID
      example: '5011648377'
    RoutingNumber:
      type: string
      example: '123456789'
      description: Routing number of receiving bank
    MicroDepositVerification:
      description: A list of amounts
      required:
      - amounts
      type: object
      properties:
        amounts:
          description: The list of amounts to be verified
          type: array
          items:
            $ref: '#/components/schemas/DecimalNumber'
          example:
          - 0.12
          - 0.15
    Receiver:
      required:
      - routingNumber
      - accountNumber
      - accountType
      - name
      type: object
      properties:
        routingNumber:
          $ref: '#/components/schemas/RoutingNumber'
        accountNumber:
          type: string
          example: '123456'
          description: Micro entries receiving account number of bank
        accountType:
          type: string
          example: personalChecking
          description: 'The list of supported account types.

            * "personalChecking": Personal Checking

            * "businessChecking": Business Checking

            * "personalSavings": Personal Savings

            * "businessSavings": Business Savings

            * "checking": Standard checking, will be deprecated

            * "savings": Standard savings, will be deprecated'
        name:
          type: string
          example: Bob Smith
          description: Name of the customer
        memo:
          type: string
          example: micro deposit transfer
          description: Transaction memo to be displayed for transactions
    MicroDepositStatus:
      type: string
      description: 'The following values may be returned in the field of a status:


        * "Pending" : Micro entries not yet deposited to customer''s account

        * "Completed": Micro entries deposited to customer''s account

        * "Verified": Micro entries got successfully verified

        * "Rejected": Micro entries got rejected due to some reason

        * "Returned": Micro entries got returned back

        * "Failed": Micro entries got failed due to some reason

        * "Expired": Micro entries got expired as they remains unverified for

        certain defined days'
      example: Pending
    InstitutionLoginId:
      type: string
      description: An institution login ID (from the account record)
      example: '1007302745'
    MicroDepositCount:
      type: integer
      format: int32
      example: 2
      description: Count of micro entries
    VerifiedMicroDeposit:
      type: object
      properties:
        status:
          type: string
          example: Verified
          description: Micro entries successful verification status
        statusDescription:
          type: string
          example: Micro entries are successfully verified
          description: Micro entries successful verification description
    MicroDepositInitiation:
      required:
      - receiver
      type: object
      properties:
        institutionLoginId:
          $ref: '#/components/schemas/InstitutionLoginId'
        receiver:
          $ref: '#/components/schemas/Receiver'
        callbackUrl:
          $ref: '#/components/schemas/MicroDepositCallbackUrl'
    AutoVerifiedAccount:
      type: integer
      format: int64
      description: This field stores an ID for the linked bank account to verify the microdeposits. It will have a value populated only when the microdeposits are auto verified successfully via account aggregation, otherwise this field will not be present.
      example: 9876543210
    AssetId:
      type: string
      description: An asset ID. Generated by Data Connect or by using the Store Customer Pay Statement API.
      example: 097545c5-1c2a-4f20-a5ef-77f0820344c9-2018601178
    MicroDepositStatusDescription:
      type: string
      example: Micro entries are in pending status
      description: Micro entries status description
    RailType:
      type: string
      description: The Rail (ACH / RTP) used for initiating bank deposit(s).
      example: ach
    MicroDepositDetails:
      type: object
      properties:
        status:
          $ref: '#/components/schemas/MicroDepositStatus'
        statusDescription:
          $ref: '#/components/schemas/MicroDepositStatusDescription'
        creationDate:
          $ref: '#/components/schemas/NoZoneDateTime'
        routingNumber:
          $ref: '#/components/schemas/RoutingNumber'
        accountNumberLast4:
          $ref: '#/components/schemas/AccountNumberLast4'
        autoVerifiedAccount:
          $ref: '#/components/schemas/AutoVerifiedAccount'
        railType:
          $ref: '#/components/schemas/RailType'
    MicroDepositCallbackUrl:
      type: string
      format: uri
      description: A callback URL where to receive micro deposit notifications
      example: https://www.example.com/listener
    NoZoneDateTime:
      type: string
      description: A date-time without time zone
      example: '2022-04-12T11:51:23'
    AccountNumberLast4:
      type: string
      description: The last 4 digits of the account number, derived by Mastercard from the account number provided by the financial institution. This is only returned for ACH-enabled accounts.
      example: '5678'
    CustomerId:
      type: string
      description: A customer ID. See Add Customer API for how to create a customer ID.
      example: '1005061234'
  parameters:
    AccountIdParameter:
      description: The account ID
      name: accountId
      in: path
      required: true
      schema:
        $ref: '#/components/schemas/AccountId'
      example: '5011648377'
    CustomerIdParameter:
      description: A customer ID
      name: customerId
      in: path
      required: true
      schema:
        $ref: '#/components/schemas/CustomerId'
      example: '1005061234'
  securitySchemes:
    FinicityAppKey:
      name: Finicity-App-Key
      type: apiKey
      in: header
      description: The "Finicity-App-Key" from the developer dashboard
    FinicityAppToken:
      name: Finicity-App-Token
      type: apiKey
      in: header
      description: A token returned by the `/authentication` API