Finicity

Finicity Authentication API

Generate authentication tokens and manage credentials

GitHub OpenAPI

Operations 2

POST /aggregation/v2/partners/authentication Create Access Token #
PUT /aggregation/v2/partners/authentication Modify Partner Secret #

Documentation

📖
Documentation
https://developer.mastercard.com/open-banking-us/documentation/
📖
APIReference
https://developer.mastercard.com/open-banking-us/documentation/api-reference/

Specifications

⚙
OpenAPI
https://raw.githubusercontent.com/api-evangelist/finicity/refs/heads/main/openapi/finicity-authentication-api-openapi.yml

Other Resources

🔗
Webhooks
https://raw.githubusercontent.com/api-evangelist/finicity/refs/heads/main/asyncapi/finicity-webhooks.yml

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OpenAPI Specification

finicity-authentication-api-openapi.yml Raw ↑ 
openapi: 3.2.0
info:
  title: Open Finance Authentication 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: Authentication
  description: Generate authentication tokens and manage credentials
paths:
  /aggregation/v2/partners/authentication:
    post:
      tags:
      - Authentication
      summary: Create Access Token
      description: 'Send Partner ID and Partner Secret to the Partner Authentication service to obtain a token for accessing Finicity APIs.

        * The token is valid for two hours and is required on all calls to the Finicity APIs

        * As a best practice, use a single token for all calls. Assign a timestamp for each token, and then check the current timestamp before making any calls. If the token is greater than 90 minutes, generate a new one.

        * ⚠️ After five failed attempts to authenticate, your account will be locked. To reset your account, you can report a support issue using the support.finicity.com portal. Alternatively, contact your Client Success Manager or your onboarding representative.


        _Supported regions_: ![🇺🇸](https://flagcdn.com/20x15/us.png)'
      operationId: CreateToken
      requestBody:
        $ref: '#/components/requestBodies/CreateTokenRequest'
      responses:
        '200':
          $ref: '#/components/responses/CreateTokenResponse'
        '400':
          $ref: '#/components/responses/GeneralBadRequestErrorResponse'
        '401':
          $ref: '#/components/responses/AuthenticationUnauthorizedErrorResponse'
        '404':
          $ref: '#/components/responses/PartnerNotFoundResponse'
      security:
      - FinicityAppKey: []
    put:
      tags:
      - Authentication
      summary: Modify Partner Secret
      description: 'Change the Partner Secret used to authenticate this partner.


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


        _Supported regions_: ![🇺🇸](https://flagcdn.com/20x15/us.png)'
      operationId: ModifyPartnerSecret
      requestBody:
        $ref: '#/components/requestBodies/ModifyPartnerSecretRequest'
      responses:
        '204':
          $ref: '#/components/responses/ModifyPartnerSecretResponse'
        '400':
          $ref: '#/components/responses/ModifyPartnerSecretBadRequestErrorResponse'
        '401':
          $ref: '#/components/responses/AuthenticationUnauthorizedErrorResponse'
      security:
      - FinicityAppKey: []
components:
  schemas:
    PartnerCredentials:
      required:
      - partnerId
      - partnerSecret
      type: object
      properties:
        partnerId:
          $ref: '#/components/schemas/PartnerId'
        partnerSecret:
          type: string
          description: Your Partner Secret displayed in the [Developer Dashboard](https://developer.mastercard.com/account/log-in)
          example: aqJ5Ic4SEVx2IgDQ6oR4
    AccessToken:
      required:
      - token
      type: object
      description: A temporary access token to be passed in the `Finicity-App-Token` HTTP header of all subsequent API requests
      properties:
        token:
          description: The access token value
          type: string
          example: YBh22Sb9Es6e66Q7lWdt
    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'
    ErrorWrapper:
      description: A top level object for errors.
      type: object
      required:
      - Errors
      properties:
        Errors:
          $ref: '#/components/schemas/Errors'
    Errors:
      description: Object that contains the list of errors.
      type: object
      required:
      - Error
      properties:
        Error:
          $ref: '#/components/schemas/ErrorList'
    Error:
      description: A single error.
      type: object
      properties:
        Source:
          type: string
          minLength: 0
          maxLength: 512
          description: The application that generated this error
          example: Event Subscription Service
        ReasonCode:
          type: string
          minLength: 0
          maxLength: 512
          description: A unique constant identifying the error case encountered during transaction processing
          example: '10001'
        Description:
          type: string
          minLength: 0
          maxLength: 512
          description: Description of the ReasonCode field with additional details.
          example: Resource Not Found.
        Recoverable:
          type: boolean
          description: Indicates whether this error will always be returned for this request, or retrying could change the outcome
          example: false
        Details:
          type: string
          minLength: 0
          maxLength: 512
          description: Details for backwards compatibility.
          example: Invalid JSON payload
    PartnerId:
      type: string
      description: Your Partner ID displayed in the [Developer Dashboard](https://developer.mastercard.com/account/log-in)
      example: '1234583871234'
    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
    PartnerCredentialsWithNewSecret:
      required:
      - partnerId
      - partnerSecret
      - newPartnerSecret
      type: object
      allOf:
      - $ref: '#/components/schemas/PartnerCredentials'
      - type: object
        properties:
          newPartnerSecret:
            type: string
            description: A new value for the Partner Secret
            example: OrU7tjiA3tIspCgb85xV
          immediate:
            type: boolean
            description: This is an optional flag, with a default value of true. This flag should be passed as false when the partners want the 30-day grace period to be activated.
            example: true
    ErrorList:
      description: The list of errors.
      type: array
      minItems: 1
      items:
        $ref: '#/components/schemas/Error'
  examples:
    MissingFinicityAppKeyExample:
      value:
        code: '10026'
        message: Missing parameter (Finicity-App-Key)
    InvalidCredentialsExample:
      value:
        code: '10001'
        message: Invalid credentials
    InvalidNewPartnerSecretExample:
      value:
        code: '24437'
        message: New password is not as per policy
    MissingFieldExample:
      value:
        code: '10005'
        message: Missing parameter (partnerId)
    PartnerNotFoundExample:
      value:
        code: 12401
        message: partner not found
    NotAuthorizedExample:
      value:
        code: '10021'
        message: You are not authorized.
    GenericBadRequestExample:
      value:
        code: '14020'
        message: Bad request.
  responses:
    GeneralBadRequestErrorResponse:
      description: The request was rejected
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorMessage'
          examples:
            MissingFieldExample:
              $ref: '#/components/examples/MissingFieldExample'
            GenericBadRequestExample:
              $ref: '#/components/examples/GenericBadRequestExample'
    CreateTokenResponse:
      description: The access token was successfully created
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/AccessToken'
    AuthenticationUnauthorizedErrorResponse:
      description: The request lacks valid authentication credentials. Check Partner ID, Partner Secret or Finicity-App-Key.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorMessage'
          examples:
            MissingFinicityAppKeyExample:
              $ref: '#/components/examples/MissingFinicityAppKeyExample'
            InvalidCredentialsExample:
              $ref: '#/components/examples/InvalidCredentialsExample'
            NotAuthorizedExample:
              $ref: '#/components/examples/NotAuthorizedExample'
    PartnerNotFoundResponse:
      description: Partner was not found
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorWrapper'
          examples:
            PartnerNotFoundExample:
              $ref: '#/components/examples/PartnerNotFoundExample'
    ModifyPartnerSecretResponse:
      description: The Partner Secret was successfully updated
    ModifyPartnerSecretBadRequestErrorResponse:
      description: The request was rejected
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorMessage'
          examples:
            MissingFieldExample:
              $ref: '#/components/examples/MissingFieldExample'
            InvalidNewPartnerSecretExample:
              $ref: '#/components/examples/InvalidNewPartnerSecretExample'
            GenericBadRequestExample:
              $ref: '#/components/examples/GenericBadRequestExample'
  requestBodies:
    ModifyPartnerSecretRequest:
      required: true
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/PartnerCredentialsWithNewSecret'
    CreateTokenRequest:
      required: true
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/PartnerCredentials'
  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