Move funds electronically by pulling from a source account and sending to a destination liability or asset account, with payment reversals for balancing unsuccessful payments. Settlement occurs in 1-3 business days.
openapi: 3.0.1
info:
title: Method Financial API
description: >-
The Method API enables developers to connect, retrieve, and pay down a
consumer's liabilities (credit cards, student loans, auto loans, mortgages,
and personal loans) across a network of financial institutions. Core
resources are Entities, Accounts, Payments, Merchants, Connect,
Transactions, and Webhooks. All requests are authenticated with a Bearer
API key.
termsOfService: https://methodfi.com/legal/platform-agreement
contact:
name: Method Support
url: https://docs.methodfi.com
email: support@methodfi.com
version: '2026-03-30'
servers:
- url: https://production.methodfi.com
description: Production
- url: https://sandbox.methodfi.com
description: Sandbox
- url: https://dev.methodfi.com
description: Development (simulations enabled)
security:
- bearerAuth: []
tags:
- name: Entities
description: Individuals and corporations that own accounts.
- name: Accounts
description: Liability and asset accounts linked to an entity.
- name: Payments
description: Electronic transfers between a source and destination account.
- name: Merchants
description: Financial institutions that accept payments for a liability.
- name: Connect
description: Liability discovery across Method's institution network.
- name: Transactions
description: Transaction history for an account.
- name: Webhooks
description: Asynchronous event delivery to your endpoints.
paths:
/entities:
post:
operationId: createEntity
tags:
- Entities
summary: Create an entity
description: Creates an individual or corporation entity.
requestBody:
required: true
content:
application/json:
schema:
$ref: '#/components/schemas/EntityCreateRequest'
responses:
'200':
description: Entity created
content:
application/json:
schema:
$ref: '#/components/schemas/EntityResponse'
get:
operationId: listEntities
tags:
- Entities
summary: List entities
parameters:
- $ref: '#/components/parameters/Page'
- $ref: '#/components/parameters/PageLimit'
responses:
'200':
description: A list of entities
content:
application/json:
schema:
$ref: '#/components/schemas/EntityListResponse'
/entities/{ent_id}:
parameters:
- $ref: '#/components/parameters/EntityId'
get:
operationId: getEntity
tags:
- Entities
summary: Retrieve an entity
responses:
'200':
description: The entity
content:
application/json:
schema:
$ref: '#/components/schemas/EntityResponse'
put:
operationId: updateEntity
tags:
- Entities
summary: Update an entity
requestBody:
required: true
content:
application/json:
schema:
$ref: '#/components/schemas/EntityCreateRequest'
responses:
'200':
description: The updated entity
content:
application/json:
schema:
$ref: '#/components/schemas/EntityResponse'
/entities/{ent_id}/connect:
parameters:
- $ref: '#/components/parameters/EntityId'
get:
operationId: retrieveEntityConnect
tags:
- Connect
summary: Retrieve connect results
description: >-
Returns all liability accounts discovered for the entity across
Method's network of financial institutions.
responses:
'200':
description: Connect results
content:
application/json:
schema:
$ref: '#/components/schemas/ConnectResponse'
/entities/{ent_id}/credit_scores:
parameters:
- $ref: '#/components/parameters/EntityId'
get:
operationId: retrieveEntityCreditScores
tags:
- Entities
summary: Retrieve credit scores
responses:
'200':
description: Credit score data
content:
application/json:
schema:
type: object
/entities/{ent_id}/verification_sessions:
parameters:
- $ref: '#/components/parameters/EntityId'
post:
operationId: createEntityVerificationSession
tags:
- Entities
summary: Create a verification session
description: Create an SMS, KBA, SNA, or BYO verification session for the entity.
requestBody:
required: true
content:
application/json:
schema:
$ref: '#/components/schemas/EntityVerificationSessionRequest'
responses:
'200':
description: Verification session
content:
application/json:
schema:
$ref: '#/components/schemas/EntityVerificationSessionResponse'
get:
operationId: listEntityVerificationSessions
tags:
- Entities
summary: List verification sessions
responses:
'200':
description: Verification sessions
content:
application/json:
schema:
type: object
/accounts:
post:
operationId: createAccount
tags:
- Accounts
summary: Create an account
description: Links a liability or asset account to an entity.
requestBody:
required: true
content:
application/json:
schema:
$ref: '#/components/schemas/AccountCreateRequest'
responses:
'200':
description: Account created
content:
application/json:
schema:
$ref: '#/components/schemas/AccountResponse'
get:
operationId: listAccounts
tags:
- Accounts
summary: List accounts
parameters:
- name: holder_id
in: query
required: false
schema:
type: string
- $ref: '#/components/parameters/Page'
- $ref: '#/components/parameters/PageLimit'
responses:
'200':
description: A list of accounts
content:
application/json:
schema:
$ref: '#/components/schemas/AccountListResponse'
/accounts/{acc_id}:
parameters:
- $ref: '#/components/parameters/AccountId'
get:
operationId: getAccount
tags:
- Accounts
summary: Retrieve an account
responses:
'200':
description: The account
content:
application/json:
schema:
$ref: '#/components/schemas/AccountResponse'
/accounts/{acc_id}/balances:
parameters:
- $ref: '#/components/parameters/AccountId'
get:
operationId: getAccountBalance
tags:
- Accounts
summary: Retrieve the latest balance
description: Retrieves the real-time balance from the account's financial institution.
responses:
'200':
description: Balance
content:
application/json:
schema:
$ref: '#/components/schemas/BalanceResponse'
/accounts/{acc_id}/payoff:
parameters:
- $ref: '#/components/parameters/AccountId'
get:
operationId: getAccountPayoff
tags:
- Accounts
summary: Retrieve a payoff
responses:
'200':
description: Payoff
content:
application/json:
schema:
type: object
/accounts/{acc_id}/transactions:
parameters:
- $ref: '#/components/parameters/AccountId'
get:
operationId: listAccountTransactions
tags:
- Transactions
summary: List account transactions
parameters:
- $ref: '#/components/parameters/Page'
- $ref: '#/components/parameters/PageLimit'
responses:
'200':
description: Transactions
content:
application/json:
schema:
$ref: '#/components/schemas/TransactionListResponse'
/accounts/{acc_id}/verification_sessions:
parameters:
- $ref: '#/components/parameters/AccountId'
post:
operationId: createAccountVerificationSession
tags:
- Accounts
summary: Create an account verification session
description: >-
Verify an account via micro-deposits, instant network, or a supported
aggregator (Plaid, MX, Teller).
requestBody:
required: true
content:
application/json:
schema:
type: object
responses:
'200':
description: Verification session
content:
application/json:
schema:
type: object
/payments:
post:
operationId: createPayment
tags:
- Payments
summary: Create a payment
description: >-
Pulls funds from a source account and sends them to a destination
liability or asset account. Settlement occurs in 1-3 business days.
requestBody:
required: true
content:
application/json:
schema:
$ref: '#/components/schemas/PaymentCreateRequest'
responses:
'200':
description: Payment created
content:
application/json:
schema:
$ref: '#/components/schemas/PaymentResponse'
get:
operationId: listPayments
tags:
- Payments
summary: List payments
parameters:
- $ref: '#/components/parameters/Page'
- $ref: '#/components/parameters/PageLimit'
responses:
'200':
description: A list of payments
content:
application/json:
schema:
$ref: '#/components/schemas/PaymentListResponse'
/payments/{pmt_id}:
parameters:
- $ref: '#/components/parameters/PaymentId'
get:
operationId: getPayment
tags:
- Payments
summary: Retrieve a payment
responses:
'200':
description: The payment
content:
application/json:
schema:
$ref: '#/components/schemas/PaymentResponse'
delete:
operationId: deletePayment
tags:
- Payments
summary: Delete a pending payment
responses:
'200':
description: The deleted payment
content:
application/json:
schema:
$ref: '#/components/schemas/PaymentResponse'
/payments/{pmt_id}/reversals:
parameters:
- $ref: '#/components/parameters/PaymentId'
post:
operationId: createPaymentReversal
tags:
- Payments
summary: Create a payment reversal
description: Balances funds for an unsuccessful payment.
requestBody:
required: true
content:
application/json:
schema:
type: object
responses:
'200':
description: Reversal
content:
application/json:
schema:
type: object
get:
operationId: listPaymentReversals
tags:
- Payments
summary: List payment reversals
responses:
'200':
description: Reversals
content:
application/json:
schema:
type: object
/merchants:
get:
operationId: listMerchants
tags:
- Merchants
summary: List merchants
description: >-
Lists merchants - the financial institutions that accept payments for
a liability.
parameters:
- $ref: '#/components/parameters/Page'
- $ref: '#/components/parameters/PageLimit'
responses:
'200':
description: A list of merchants
content:
application/json:
schema:
$ref: '#/components/schemas/MerchantListResponse'
/merchants/{mch_id}:
parameters:
- name: mch_id
in: path
required: true
schema:
type: string
get:
operationId: getMerchant
tags:
- Merchants
summary: Retrieve a merchant
responses:
'200':
description: The merchant
content:
application/json:
schema:
$ref: '#/components/schemas/MerchantResponse'
/webhooks:
post:
operationId: createWebhook
tags:
- Webhooks
summary: Create a webhook
requestBody:
required: true
content:
application/json:
schema:
$ref: '#/components/schemas/WebhookCreateRequest'
responses:
'200':
description: Webhook created
content:
application/json:
schema:
$ref: '#/components/schemas/WebhookResponse'
get:
operationId: listWebhooks
tags:
- Webhooks
summary: List webhooks
responses:
'200':
description: A list of webhooks
content:
application/json:
schema:
type: object
/webhooks/{whk_id}:
parameters:
- name: whk_id
in: path
required: true
schema:
type: string
get:
operationId: getWebhook
tags:
- Webhooks
summary: Retrieve a webhook
responses:
'200':
description: The webhook
content:
application/json:
schema:
$ref: '#/components/schemas/WebhookResponse'
delete:
operationId: deleteWebhook
tags:
- Webhooks
summary: Delete a webhook
responses:
'200':
description: The deleted webhook
content:
application/json:
schema:
$ref: '#/components/schemas/WebhookResponse'
components:
securitySchemes:
bearerAuth:
type: http
scheme: bearer
description: >-
Provide your Method API key as a Bearer token in the Authorization
header. Optionally send a Method-Version header (e.g. 2026-03-30).
parameters:
EntityId:
name: ent_id
in: path
required: true
schema:
type: string
description: The entity identifier (e.g. ent_xxx).
AccountId:
name: acc_id
in: path
required: true
schema:
type: string
description: The account identifier (e.g. acc_xxx).
PaymentId:
name: pmt_id
in: path
required: true
schema:
type: string
description: The payment identifier (e.g. pmt_xxx).
Page:
name: page
in: query
required: false
schema:
type: integer
default: 1
PageLimit:
name: page_limit
in: query
required: false
schema:
type: integer
default: 50
maximum: 100
schemas:
EntityCreateRequest:
type: object
required:
- type
properties:
type:
type: string
enum:
- individual
- c_corporation
- receive_only
individual:
$ref: '#/components/schemas/Individual'
corporation:
$ref: '#/components/schemas/Corporation'
address:
$ref: '#/components/schemas/Address'
metadata:
type: object
Individual:
type: object
properties:
first_name:
type: string
last_name:
type: string
phone:
type: string
email:
type: string
dob:
type: string
format: date
Corporation:
type: object
properties:
name:
type: string
dba:
type: string
ein:
type: string
owners:
type: array
items:
type: object
Address:
type: object
properties:
line1:
type: string
line2:
type: string
city:
type: string
state:
type: string
zip:
type: string
EntityResponse:
type: object
properties:
id:
type: string
type:
type: string
individual:
$ref: '#/components/schemas/Individual'
corporation:
$ref: '#/components/schemas/Corporation'
status:
type: string
enum:
- active
- incomplete
- disabled
verification:
type: object
products:
type: array
items:
type: string
restricted_products:
type: array
items:
type: string
error:
nullable: true
type: object
created_at:
type: string
format: date-time
updated_at:
type: string
format: date-time
EntityListResponse:
type: object
properties:
data:
type: array
items:
$ref: '#/components/schemas/EntityResponse'
EntityVerificationSessionRequest:
type: object
properties:
type:
type: string
enum:
- phone
- identity
method:
type: string
enum:
- sms
- kba
- sna
- byo_sms
- byo_kyc
- element
sms:
type: object
kba:
type: object
EntityVerificationSessionResponse:
type: object
properties:
id:
type: string
entity_id:
type: string
type:
type: string
method:
type: string
status:
type: string
created_at:
type: string
format: date-time
AccountCreateRequest:
type: object
required:
- holder_id
properties:
holder_id:
type: string
description: The entity that owns this account.
ach:
type: object
description: ACH account details (routing/number/type).
properties:
routing:
type: string
number:
type: string
type:
type: string
enum:
- checking
- savings
liability:
type: object
description: A liability account to link by merchant and account number.
properties:
mch_id:
type: string
account_number:
type: string
metadata:
type: object
AccountResponse:
type: object
properties:
id:
type: string
holder_id:
type: string
status:
type: string
enum:
- active
- disabled
- closed
- processing
type:
type: string
enum:
- ach
- liability
ach:
type: object
liability:
type: object
products:
type: array
items:
type: string
error:
nullable: true
type: object
created_at:
type: string
format: date-time
updated_at:
type: string
format: date-time
AccountListResponse:
type: object
properties:
data:
type: array
items:
$ref: '#/components/schemas/AccountResponse'
BalanceResponse:
type: object
properties:
id:
type: string
account_id:
type: string
amount:
type: integer
description: Balance in cents.
status:
type: string
created_at:
type: string
format: date-time
PaymentCreateRequest:
type: object
required:
- amount
- source
- destination
properties:
amount:
type: integer
description: Amount in cents (100 to 100000000).
minimum: 100
maximum: 100000000
source:
type: string
description: Source account ID.
destination:
type: string
description: Destination account ID.
description:
type: string
maxLength: 10
metadata:
type: object
PaymentResponse:
type: object
properties:
id:
type: string
source:
type: string
destination:
type: string
amount:
type: integer
description:
type: string
status:
type: string
enum:
- pending
- processing
- sent
- settled
- failed
- reversed
- canceled
error:
nullable: true
type: object
created_at:
type: string
format: date-time
updated_at:
type: string
format: date-time
PaymentListResponse:
type: object
properties:
data:
type: array
items:
$ref: '#/components/schemas/PaymentResponse'
MerchantResponse:
type: object
properties:
mch_id:
type: string
name:
type: string
parent_name:
type: string
logo:
type: string
format: uri
type:
type: string
description: The liability account type this merchant services.
account_prefixes:
type: array
items:
type: string
MerchantListResponse:
type: object
properties:
data:
type: array
items:
$ref: '#/components/schemas/MerchantResponse'
TransactionResponse:
type: object
properties:
id:
type: string
account_id:
type: string
amount:
type: integer
description:
type: string
status:
type: string
created_at:
type: string
format: date-time
TransactionListResponse:
type: object
properties:
data:
type: array
items:
$ref: '#/components/schemas/TransactionResponse'
ConnectResponse:
type: object
properties:
id:
type: string
entity_id:
type: string
status:
type: string
enum:
- in_progress
- completed
- failed
accounts:
type: array
description: Liability accounts discovered for the entity.
items:
$ref: '#/components/schemas/AccountResponse'
created_at:
type: string
format: date-time
WebhookCreateRequest:
type: object
required:
- type
- url
properties:
type:
type: string
description: The event type to subscribe to.
example: payment.update
url:
type: string
format: uri
auth_token:
type: string
description: Optional token Method includes when delivering events.
metadata:
type: object
WebhookResponse:
type: object
properties:
id:
type: string
type:
type: string
url:
type: string
format: uri
created_at:
type: string
format: date-time
updated_at:
type: string
format: date-time