Method Financial Account Verification Sessions API

openapi: 3.2.0
info:
  title: Method Account Verification Sessions 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 Verification Sessions
  description: Verification sessions for accounts
paths:
  /accounts/{accountId}/verification_sessions:
    get:
      operationId: listAccountVerificationSessions
      summary: List all account verification sessions
      description: Returns a list of verification sessions for the specified account.
      tags:
      - Account Verification Sessions
      security:
      - SecretKey: []
      parameters:
      - $ref: '#/components/parameters/method_version'
      - $ref: '#/components/parameters/AccountIdParam'
      - $ref: '#/components/parameters/PageParam'
      - $ref: '#/components/parameters/PageLimitParam'
      - $ref: '#/components/parameters/PageCursorParam'
      responses:
        '200':
          description: A paginated list of account verification sessions.
          headers:
            Pagination-Page:
              $ref: '#/components/headers/Pagination-Page'
            Pagination-Page-Count:
              $ref: '#/components/headers/Pagination-Page-Count'
            Pagination-Page-Limit:
              $ref: '#/components/headers/Pagination-Page-Limit'
            Pagination-Total-Count:
              $ref: '#/components/headers/Pagination-Total-Count'
            Pagination-Page-Cursor-Prev:
              $ref: '#/components/headers/Pagination-Page-Cursor-Prev'
            Pagination-Page-Cursor-Next:
              $ref: '#/components/headers/Pagination-Page-Cursor-Next'
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AccountVerificationSessionListResponse'
        '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'
    post:
      operationId: createAccountVerificationSession
      summary: Create an account verification session
      description: Creates a new verification session for the specified account.
      tags:
      - Account Verification Sessions
      security:
      - SecretKey: []
      parameters:
      - $ref: '#/components/parameters/method_version'
      - $ref: '#/components/parameters/idempotency_key'
      - $ref: '#/components/parameters/AccountIdParam'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/AccountVerificationSessionCreateRequest'
      responses:
        '200':
          description: The newly created account verification session.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AccountVerificationSessionResponse'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
        '422':
          $ref: '#/components/responses/UnprocessableEntity'
        '429':
          $ref: '#/components/responses/RateLimited'
        '500':
          $ref: '#/components/responses/InternalError'
  /accounts/{accountId}/verification_sessions/{avfId}:
    get:
      operationId: retrieveAccountVerificationSession
      summary: Retrieve an account verification session
      description: Retrieves an account verification session by its unique identifier.
      tags:
      - Account Verification Sessions
      security:
      - SecretKey: []
      parameters:
      - $ref: '#/components/parameters/method_version'
      - $ref: '#/components/parameters/AccountIdParam'
      - $ref: '#/components/parameters/AccountVerificationSessionIdParam'
      responses:
        '200':
          description: The requested account verification session.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AccountVerificationSessionResponse'
        '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'
    put:
      operationId: updateAccountVerificationSession
      summary: Update an account verification session
      description: Updates an account verification session, typically to submit micro deposit amounts for verification.
      tags:
      - Account Verification Sessions
      security:
      - SecretKey: []
      parameters:
      - $ref: '#/components/parameters/method_version'
      - $ref: '#/components/parameters/idempotency_key'
      - $ref: '#/components/parameters/AccountIdParam'
      - $ref: '#/components/parameters/AccountVerificationSessionIdParam'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/AccountVerificationSessionUpdateRequest'
      responses:
        '200':
          description: The updated account verification session.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AccountVerificationSessionResponse'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
        '422':
          $ref: '#/components/responses/UnprocessableEntity'
        '429':
          $ref: '#/components/responses/RateLimited'
        '500':
          $ref: '#/components/responses/InternalError'
  /accounts/{accountId}/verification_sessions/{avfId}/amounts:
    get:
      operationId: retrieveAccountVerificationSessionAmounts
      summary: Retrieve verification session amounts
      description: Retrieves the micro deposit amounts for a verification session.
      tags:
      - Account Verification Sessions
      security:
      - SecretKey: []
      parameters:
      - $ref: '#/components/parameters/method_version'
      - $ref: '#/components/parameters/AccountIdParam'
      - $ref: '#/components/parameters/AccountVerificationSessionIdParam'
      responses:
        '200':
          description: The verification session amounts.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AccountVerificationSessionAmountsResponse'
        '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:
    AccountVerificationSessionResourceError:
      type:
      - object
      - 'null'
      description: Error details when an account verification session fails.
      required:
      - type
      - code
      - sub_type
      - message
      properties:
        type:
          type: string
          description: The category of verification session error.
          enum:
          - ACCOUNT_VERIFICATION_SESSION_FAILED
        code:
          type: integer
          description: Numeric error code (16XXX range).
          enum:
          - 16001
          - 16002
          - 16003
          - 16004
        sub_type:
          type: string
          description: Specific verification session error classification.
          enum:
          - VERIFICATION_TYPE_NOT_SUPPORTED
          - INVALID_DETAILS
          - VERIFICATION_SESSION_ATTEMPT_LIMIT_REACHED
          - MICRO_DEPOSITS_FAILED
        message:
          type: string
          description: Human-readable error description.
      example:
        type: ACCOUNT_VERIFICATION_SESSION_FAILED
        code: 16001
        sub_type: VERIFICATION_TYPE_NOT_SUPPORTED
        message: The verification type provided is not supported for the merchant.
    AccountVerificationSessionCreateRequest:
      type: object
      description: Request body for creating an account verification session.
      required:
      - type
      properties:
        type:
          type: string
          description: The type of verification to perform.
          enum:
          - micro_deposits
          - mx
          - plaid
          - teller
          - auto_verify
          - trusted_provisioner
          - pre_auth
          - standard
          - issuer
          - instant
          - network
          - three_ds
    AccountVerificationSession:
      type: object
      description: A verification session for an account.
      required:
      - id
      - account_id
      - status
      - type
      - created_at
      - updated_at
      properties:
        id:
          type: string
          description: Unique identifier for the verification session.
          pattern: ^avf_\w+$
          example: avf_aTJMbnCjw34yQ
        account_id:
          type: string
          description: The account this verification session belongs to.
          pattern: ^acc_\w+$
        status:
          type: string
          description: Current status of the verification session.
          enum:
          - pending
          - in_progress
          - verified
          - failed
        type:
          type: string
          description: The type of verification.
          enum:
          - micro_deposits
          - mx
          - plaid
          - teller
          - auto_verify
          - trusted_provisioner
          - pre_auth
          - standard
          - issuer
          - instant
          - network
          - three_ds
        micro_deposits:
          type:
          - object
          - 'null'
          description: Populated when the verification session is of type micro_deposits.
          properties:
            amounts:
              type: array
              description: The latest amounts that this verification session was updated with.
              items:
                type: integer
        plaid:
          type:
          - object
          - 'null'
          description: Populated when the verification session is of type plaid.
          properties:
            balances:
              type: object
              description: The raw balance data received from Plaid.
            transactions:
              type: array
              description: The raw transaction data received from Plaid.
              items:
                type: object
        mx:
          type:
          - object
          - 'null'
          description: Populated when the verification session is of type mx.
          properties:
            account:
              type: object
              description: The raw account data received from MX.
            transactions:
              type: array
              description: The raw transaction data received from MX.
              items:
                type: object
        teller:
          type:
          - object
          - 'null'
          description: Populated when the verification session is of type teller.
          properties:
            balances:
              type: object
              description: The raw balance data received from Teller.
            transactions:
              type: array
              description: The raw transaction data received from Teller.
              items:
                type: object
        auto_verify:
          type:
          - object
          - 'null'
          description: Populated when the verification session is of type auto_verify.
        trusted_provisioner:
          type:
          - object
          - 'null'
          description: Populated when the verification session is of type trusted_provisioner.
        standard:
          type:
          - object
          - 'null'
          description: Populated when the verification session is of type standard.
          properties:
            number:
              type:
              - string
              - 'null'
              description: The masked card number. Null if the number still needs to be provided.
        pre_auth:
          type:
          - object
          - 'null'
          description: Populated when the verification session is of type pre_auth.
          properties:
            number:
              type:
              - string
              - 'null'
              description: The masked card number. Null if the number still needs to be provided.
            exp_month:
              type:
              - string
              - 'null'
              description: The masked card expiration month. Null if it still needs to be provided.
            exp_year:
              type:
              - string
              - 'null'
              description: The masked card expiration year. Null if it still needs to be provided.
            exp_check:
              type:
              - string
              - 'null'
              description: The card expiration verification check result.
              enum:
              - pass
              - fail
              - unavailable
            cvv:
              type:
              - string
              - 'null'
              description: The masked card CVV. Null if it still needs to be provided.
            cvv_check:
              type:
              - string
              - 'null'
              description: The card CVV verification check result.
              enum:
              - pass
              - fail
              - unavailable
            billing_zip_code:
              type:
              - string
              - 'null'
              description: The masked billing zip code.
            billing_zip_code_check:
              type:
              - string
              - 'null'
              description: The billing zip code verification check result.
              enum:
              - pass
              - fail
              - unavailable
            pre_auth_check:
              type:
              - string
              - 'null'
              description: The pre-auth verification check result.
              enum:
              - pass
              - fail
              - unavailable
        network:
          type:
          - object
          - 'null'
          description: Populated when the verification session is of type network.
          properties:
            number:
              type:
              - string
              - 'null'
              description: The masked card number. Null if the number still needs to be provided.
            exp_month:
              type:
              - string
              - 'null'
              description: The masked card expiration month. Null if it still needs to be provided.
            exp_year:
              type:
              - string
              - 'null'
              description: The masked card expiration year. Null if it still needs to be provided.
            exp_check:
              type:
              - string
              - 'null'
              description: The card expiration verification check result.
              enum:
              - pass
              - fail
              - unavailable
            cvv:
              type:
              - string
              - 'null'
              description: The masked card CVV. Null if it still needs to be provided.
            cvv_check:
              type:
              - string
              - 'null'
              description: The card CVV verification check result.
              enum:
              - pass
              - fail
              - unavailable
            billing_zip_code:
              type:
              - string
              - 'null'
              description: The masked billing zip code.
            billing_zip_code_check:
              type:
              - string
              - 'null'
              description: The billing zip code verification check result.
              enum:
              - pass
              - fail
              - unavailable
            network_check:
              type:
              - string
              - 'null'
              description: The network verification check result.
              enum:
              - pass
              - fail
              - unavailable
        instant:
          type:
          - object
          - 'null'
          description: Populated when the verification session is of type instant.
          properties:
            number:
              type:
              - string
              - 'null'
              description: The masked card number. Null if the number still needs to be provided.
            exp_month:
              type:
              - string
              - 'null'
              description: The masked card expiration month. Null if it still needs to be provided.
            exp_year:
              type:
              - string
              - 'null'
              description: The masked card expiration year. Null if it still needs to be provided.
            exp_check:
              type:
              - string
              - 'null'
              description: The card expiration verification check result.
              enum:
              - pass
              - fail
              - unavailable
        error:
          $ref: '#/components/schemas/AccountVerificationSessionResourceError'
        created_at:
          type: string
          format: date-time
          description: Timestamp when the verification session was created.
        updated_at:
          type: string
          format: date-time
          description: Timestamp when the verification session was last updated.
    ListEnvelope:
      type: object
      description: Standard envelope for successful responses that return a list payload.
      required:
      - success
      - data
      - message
      properties:
        success:
          type: boolean
          description: Always `true` for successful responses.
        data:
          description: Operation-specific list payload.
        message:
          type:
          - string
          - 'null'
      example:
        success: true
        data: []
        message: null
    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
    AccountVerificationSessionUpdateRequest:
      type: object
      description: Request body for updating an account verification session.
      properties:
        micro_deposits:
          type: object
          description: Micro deposit verification amounts. Required for micro_deposits type.
          properties:
            amounts:
              type: array
              description: The micro deposit amounts to verify.
              items:
                type: integer
        plaid:
          type: object
          description: Plaid verification data. Required for plaid type.
          properties:
            balances:
              type: object
              description: The raw balance data received from Plaid.
            transactions:
              type: array
              description: The raw transaction data received from Plaid.
              items:
                type: object
        mx:
          type: object
          description: MX verification data. Required for mx type.
          properties:
            account:
              type: object
              description: The raw account data received from MX.
            transactions:
              type: array
              description: The raw transaction data received from MX.
              items:
                type: object
        teller:
          type: object
          description: Teller verification data. Required for teller type.
          properties:
            balances:
              type: object
              description: The raw balance data received from Teller.
            transactions:
              type: array
              description: The raw transaction data received from Teller.
              items:
                type: object
        standard:
          type: object
          description: Standard verification data. Required for standard type.
          properties:
            number:
              type: string
              description: The full card number.
        pre_auth:
          type: object
          description: Pre-auth verification data. Required for pre_auth type.
          properties:
            number:
              type: string
              description: The full card number. Required if the number on the session is null.
            exp_month:
              type: string
              description: The card expiration month. Required if null or exp_check is fail.
            exp_year:
              type: string
              description: The card expiration year. Required if null or exp_check is fail.
            cvv:
              type: string
              description: The card CVV. Required if null or cvv_check is fail.
        network:
          type: object
          description: Network verification data. Required for network type.
          properties:
            number:
              type: string
              description: The full card number. Required if the number on the session is null.
            exp_month:
              type: string
              description: The card expiration month. Required if null or exp_check is fail.
            exp_year:
              type: string
              description: The card expiration year. Required if null or exp_check is fail.
            cvv:
              type: string
              description: The card CVV. Required if null or cvv_check is fail.
        instant:
          type: object
          description: Instant verification data. Required for instant type.
          properties:
            number:
              type: string
              description: The full card number. Required if the number on the session is null.
            exp_month:
              type: string
              description: The card expiration month. Required if null or exp_check is fail.
            exp_year:
              type: string
              description: The card expiration year. Required if null or exp_check is fail.
    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.
    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
    AccountVerificationSessionResponse:
      allOf:
      - $ref: '#/components/schemas/SuccessEnvelope'
      - type: object
        properties:
          data:
            $ref: '#/components/schemas/AccountVerificationSession'
    AccountVerificationSessionListResponse:
      allOf:
      - $ref: '#/components/schemas/ListEnvelope'
      - type: object
        properties:
          data:
            type: array
            items:
              $ref: '#/components/schemas/AccountVerificationSession'
    AccountVerificationSessionAmountsResponse:
      allOf:
      - $ref: '#/components/schemas/SuccessEnvelope'
      - type: object
        properties:
          data:
            type: object
            properties:
              amounts:
                type: array
                description: The micro deposit amounts.
                items:
                  type: integer
  parameters:
    idempotency_key:
      name: Idempotency-Key
      in: header
      required: false
      description: 'Idempotency key for safely retrying a write request. Reuse the same value when

        retrying the same logical operation to avoid creating duplicate side effects.

        '
      schema:
        type: string
        format: uuid
    PageCursorParam:
      name: page_cursor
      in: query
      required: false
      description: Cursor for cursor-based pagination. Use the value from `Pagination-Page-Cursor-Next` or `Pagination-Page-Cursor-Prev` response headers.
      schema:
        type: string
    PageLimitParam:
      name: page_limit
      in: query
      required: false
      description: Number of items per page.
      schema:
        type: integer
        minimum: 1
        maximum: 100
        default: 10
    AccountVerificationSessionIdParam:
      name: avfId
      in: path
      required: true
      description: Unique identifier for the account verification session.
      schema:
        type: string
        pattern: ^avf_\w+$
    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'
    PageParam:
      name: page
      in: query
      required: false
      description: Page number for pagination (1-indexed).
      schema:
        type: integer
        minimum: 1
        default: 1
  headers:
    Pagination-Page-Count:
      description: Total number of pages.
      schema:
        type: integer
    Pagination-Page-Cursor-Next:
      description: Cursor for the next page, if available.
      schema:
        type:
        - string
        - 'null'
    Pagination-Page:
      description: Current page number.
      schema:
        type: integer
    Pagination-Page-Cursor-Prev:
      description: Cursor for the previous page, if available.
      schema:
        type:
        - string
        - 'null'
    Pagination-Total-Count:
      description: Total number of items across all pages.
      schema:
        type: integer
    Pagination-Page-Limit:
      description: Number of items per page.
      schema:
        type: integer
  responses:
    Unauthorized:
      description: Unauthorized - missing or invalid authentication token.
      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'
    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'
    UnprocessableEntity:
      description: Unprocessable entity - the request was valid JSON but failed business or validation rules.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorEnvelope'
  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.

        '