Method Financial Account Products API

openapi: 3.2.0
info:
  title: Method Account Products API
  version: '2026-03-30'
  license:
    name: Proprietary
    url: https://methodfi.com
  description: "The Method API enables you to retrieve financial data, create payments, and manage\nentities and accounts programmatically. This specification covers the public API\nsurface for version `2026-03-30`.\n\n## Authentication\n\nMost API requests require a Bearer token in the `Authorization` header.\nUse your secret key (`sk_...`) for server-side requests and public key (`pk_...`)\nfor client-side Element requests. Public Message-Level Encryption key discovery\nendpoints are documented separately and do not require authentication.\n\n## Versioning\n\nThe API version is selected via the `Method-Version` header. This spec targets\nversion `2026-03-30`. The SDK sets this header automatically.\n\n## Response Envelope\n\nMost JSON responses are wrapped in a standard envelope:\n\n```json\n{\n  \"success\": true,\n  \"data\": { ... },\n  \"message\": null\n}\n```\n\nThe `/.well-known/jwks.json` endpoint is an exception and returns a bare JWK set.\n\n## Pagination\n\nList endpoints return pagination metadata in response headers:\n`Pagination-Page`, `Pagination-Page-Count`, `Pagination-Page-Limit`,\n`Pagination-Total-Count`, `Pagination-Page-Cursor-Prev`, `Pagination-Page-Cursor-Next`.\n\n## Expandable Fields\n\nCertain resource fields can be expanded from IDs to full objects using the\n`expand` query parameter. Maximum nesting depth is 4 levels.\n"
  contact:
    name: Method Financial
    url: https://methodfi.com
    email: team@methodfi.com
servers:
- url: https://production.methodfi.com
  description: Production
  x-fern-server-name: Production
- url: https://sandbox.methodfi.com
  description: Sandbox
  x-fern-server-name: Sandbox
- url: https://dev.methodfi.com
  description: Development
  x-fern-server-name: Development
security:
- SecretKey: []
tags:
- name: Account Products
  description: Products associated with accounts
paths:
  /accounts/{accountId}/products:
    get:
      operationId: listAccountProducts
      summary: List all account products
      description: Returns a list of products for the specified account.
      tags:
      - Account Products
      security:
      - SecretKey: []
      parameters:
      - $ref: '#/components/parameters/method_version'
      - $ref: '#/components/parameters/AccountIdParam'
      responses:
        '200':
          description: A list of account products.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AccountProductListResponse'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
        '429':
          $ref: '#/components/responses/RateLimited'
        '500':
          $ref: '#/components/responses/InternalError'
  /accounts/{accountId}/products/{prdId}:
    get:
      operationId: retrieveAccountProduct
      summary: Retrieve an account product
      description: Retrieves an account product by its unique identifier.
      tags:
      - Account Products
      security:
      - SecretKey: []
      parameters:
      - $ref: '#/components/parameters/method_version'
      - $ref: '#/components/parameters/AccountIdParam'
      - $ref: '#/components/parameters/AccountProductIdParam'
      responses:
        '200':
          description: The requested account product.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AccountProductResponse'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
        '429':
          $ref: '#/components/responses/RateLimited'
        '500':
          $ref: '#/components/responses/InternalError'
components:
  schemas:
    ProductResourceError:
      type:
      - object
      - 'null'
      description: Error details when a product execution fails.
      required:
      - type
      - code
      - sub_type
      - message
      properties:
        type:
          type: string
          description: The category of product error.
          enum:
          - PRODUCT_EXECUTION_FAILED
        code:
          type: integer
          description: Numeric error code (24XXX range).
          enum:
          - 24001
        sub_type:
          type: string
          description: Specific product error classification.
          enum:
          - PRODUCT_EXECUTION_FAILED
        message:
          type: string
          description: Human-readable error description.
      example:
        type: PRODUCT_EXECUTION_FAILED
        code: 24001
        sub_type: PRODUCT_EXECUTION_FAILED
        message: Product execution failed.
    AccountProductResponse:
      allOf:
      - $ref: '#/components/schemas/SuccessEnvelope'
      - type: object
        properties:
          data:
            $ref: '#/components/schemas/AccountProduct'
    AccountProductListResponse:
      allOf:
      - $ref: '#/components/schemas/SuccessEnvelope'
      - type: object
        properties:
          data:
            type: object
            description: Object keyed by product name.
            additionalProperties:
              $ref: '#/components/schemas/AccountProduct'
    ErrorEnvelope:
      type: object
      required:
      - success
      - data
      - message
      properties:
        success:
          type: boolean
          description: Always `false` for error responses.
        data:
          type: object
          required:
          - error
          properties:
            error:
              $ref: '#/components/schemas/ErrorObject'
        message:
          type: string
    ErrorObject:
      type: object
      required:
      - type
      - code
      - message
      properties:
        type:
          type: string
          description: Error type category.
          enum:
          - invalid_request
          - api_error
          - resource_error
        code:
          type: integer
          description: Numeric error code. Common codes include 400 (bad request), 401 (unauthorized), 403 (forbidden), 404 (not found), 422 (unprocessable entity), 429 (rate limited), and 500 (internal error).
        sub_type:
          type:
          - string
          - 'null'
          description: More specific error classification.
        message:
          type: string
          description: Human-readable error description.
    AccountProduct:
      type: object
      description: A product associated with an account.
      required:
      - name
      - status
      - status_error
      - is_subscribable
      - latest_request_id
      - latest_successful_request_id
      - created_at
      - updated_at
      properties:
        id:
          type:
          - string
          - 'null'
          description: Unique identifier for the product, if applicable.
          pattern: ^prd_\w+$
          example: prd_aTJMbnCjw34yQ
        name:
          type: string
          description: Name of the product.
        status:
          type: string
          description: Current status of the product.
          enum:
          - available
          - unavailable
          - restricted
        status_error:
          $ref: '#/components/schemas/ProductResourceError'
        is_subscribable:
          type: boolean
          description: Whether this product can be subscribed to for ongoing updates.
        latest_request_id:
          type:
          - string
          - 'null'
          description: ID of the latest request made for this product.
        latest_successful_request_id:
          type:
          - string
          - 'null'
          description: ID of the latest successful request made for this product.
        created_at:
          type: string
          format: date-time
          description: Timestamp when the product was created.
        updated_at:
          type: string
          format: date-time
          description: Timestamp when the product was last updated.
    SuccessEnvelope:
      type: object
      description: Standard envelope for successful responses that return a single payload.
      required:
      - success
      - data
      - message
      properties:
        success:
          type: boolean
          description: Always `true` for successful responses.
        data:
          description: Operation-specific response payload.
        message:
          type:
          - string
          - 'null'
      example:
        success: true
        data: {}
        message: null
  responses:
    Unauthorized:
      description: Unauthorized - missing or invalid authentication token.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorEnvelope'
    BadRequest:
      description: Bad request - invalid parameters or request body.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorEnvelope'
    NotFound:
      description: Not found - the requested resource does not exist.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorEnvelope'
    InternalError:
      description: Internal server error.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorEnvelope'
    RateLimited:
      description: Too many requests - rate limit exceeded.
      headers:
        Retry-After:
          description: Number of seconds to wait before retrying.
          schema:
            type: integer
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorEnvelope'
  parameters:
    AccountIdParam:
      name: accountId
      in: path
      required: true
      description: Unique identifier for the account.
      schema:
        type: string
        pattern: ^acc_\w+$
    method_version:
      name: Method-Version
      in: header
      required: true
      description: 'API version to use for this request. This spec targets `2026-03-30`.

        The SDK sets this header automatically.

        '
      schema:
        type: string
        enum:
        - '2026-03-30'
        default: '2026-03-30'
    AccountProductIdParam:
      name: prdId
      in: path
      required: true
      description: Unique identifier for the account product.
      schema:
        type: string
        pattern: ^prd_\w+$
  securitySchemes:
    OpalToken:
      type: http
      scheme: bearer
      description: 'Opal token authentication for Opal session endpoints. Use an Opal token (`otkn_...`)

        as the Bearer token. Created via POST /opal/token using a secret key.

        '
    SecretKey:
      type: http
      scheme: bearer
      description: 'Secret key authentication. Use your team''s secret key (`sk_...`) as the Bearer token.

        All authenticated API endpoints require this scheme unless otherwise noted.

        '