Method Financial Payments API

openapi: 3.2.0
info:
  title: Method Payments 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: Payments
  description: ACH and clearing payments
paths:
  /payments:
    get:
      operationId: listPayments
      summary: List all payments
      description: Returns a paginated list of payments. Results can be filtered by status, type, accounts, holders, reversal, and date range.
      tags:
      - Payments
      security:
      - SecretKey: []
      parameters:
      - $ref: '#/components/parameters/method_version'
      - $ref: '#/components/parameters/PageParam'
      - $ref: '#/components/parameters/PageLimitParam'
      - $ref: '#/components/parameters/PageCursorParam'
      - $ref: '#/components/parameters/FromDateParam'
      - $ref: '#/components/parameters/ToDateParam'
      - name: status
        in: query
        required: false
        description: Filter payments by status.
        schema:
          type: string
          enum:
          - pending
          - processing
          - sent
          - posted
          - settled
          - failed
          - reversed
          - canceled
          - cashed
      - name: source
        in: query
        required: false
        description: Filter payments by source account ID.
        schema:
          type: string
          pattern: ^acc_\w+$
      - name: destination
        in: query
        required: false
        description: Filter payments by destination account ID.
        schema:
          type: string
          pattern: ^acc_\w+$
      - name: type
        in: query
        required: false
        description: Filter payments by payment type.
        schema:
          type: string
          enum:
          - standard
          - clearing
      - name: reversal_id
        in: query
        required: false
        description: Filter payments by reversal ID.
        schema:
          type: string
          pattern: ^rvs_\w+$
      - name: acc_id
        in: query
        required: false
        description: Filter payments by either the source or destination account ID.
        schema:
          type: string
          pattern: ^acc_\w+$
      - name: destination_holder_id
        in: query
        required: false
        description: Filter payments by destination entity ID.
        schema:
          type: string
          pattern: ^ent_\w+$
      - name: source_holder_id
        in: query
        required: false
        description: Filter payments by source entity ID.
        schema:
          type: string
          pattern: ^ent_\w+$
      - name: holder_id
        in: query
        required: false
        description: Filter payments by either the source or destination entity ID.
        schema:
          type: string
          pattern: ^ent_\w+$
      - $ref: '#/components/parameters/expand_payments'
      responses:
        '200':
          description: A paginated list of payments.
          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/PaymentListResponse'
        '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: createPayment
      summary: Create a payment
      description: Creates a new payment to transfer funds from a source account to a destination account.
      tags:
      - Payments
      security:
      - SecretKey: []
      parameters:
      - $ref: '#/components/parameters/method_version'
      - $ref: '#/components/parameters/idempotency_key'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/PaymentCreateRequest'
            examples:
              standard:
                summary: Create a standard payment
                value:
                  source: acc_b9q2XVAnNFbp3
                  destination: acc_Y8u3qL9mNa1Bz
                  amount: 5000
                  description: Monthly card payment
                  metadata:
                    invoice_id: inv_1001
              clearing:
                summary: Create a clearing payment with a fee
                value:
                  source: acc_b9q2XVAnNFbp3
                  destination: acc_Y8u3qL9mNa1Bz
                  amount: 25000
                  description: Settlement transfer
                  fee:
                    type: total
                    amount: 250
      responses:
        '200':
          description: The newly created payment.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PaymentResponse'
              example:
                success: true
                data:
                  id: pmt_rPrDPEwyCVUcm
                  reversal_id: null
                  source_trace_id: null
                  destination_trace_id: null
                  source: acc_b9q2XVAnNFbp3
                  destination: acc_Y8u3qL9mNa1Bz
                  amount: 5000
                  description: Monthly card payment
                  status: pending
                  fund_status: transmitting
                  estimated_completion_date: '2026-01-19'
                  source_settlement_date: null
                  destination_settlement_date: null
                  source_status: null
                  destination_status: null
                  destination_payment_method: null
                  fee: null
                  type: standard
                  error: null
                  metadata:
                    invoice_id: inv_1001
                  created_at: '2026-01-15T18:30:00.000Z'
                  updated_at: '2026-01-15T18:30:00.000Z'
                message: null
        '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'
  /payments/{paymentId}:
    get:
      operationId: retrievePayment
      summary: Retrieve a payment
      description: Retrieves a payment by its unique identifier.
      tags:
      - Payments
      security:
      - SecretKey: []
      parameters:
      - $ref: '#/components/parameters/method_version'
      - $ref: '#/components/parameters/PaymentIdParam'
      - $ref: '#/components/parameters/expand_payments'
      responses:
        '200':
          description: The requested payment.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PaymentResponse'
        '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'
    delete:
      operationId: deletePayment
      summary: Delete a payment
      description: Cancels a pending payment. Only payments with a `pending` status can be canceled.
      tags:
      - Payments
      security:
      - SecretKey: []
      parameters:
      - $ref: '#/components/parameters/method_version'
      - $ref: '#/components/parameters/PaymentIdParam'
      - $ref: '#/components/parameters/idempotency_key'
      responses:
        '200':
          description: The canceled payment.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PaymentResponse'
        '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'
components:
  schemas:
    Account:
      type: object
      description: 'An Account represents a financial account (ACH, liability, clearing, or debit card) associated with an Entity. The `type` field indicates which nested details object (`ach`, `liability`, `clearing`, or `debit_card`) is populated. `type` is null for accounts that are disabled before a type was determined.

        '
      required:
      - id
      - holder_id
      - type
      - status
      - consent_status
      - products
      - restricted_products
      - created_at
      - updated_at
      properties:
        id:
          type: string
          description: Unique identifier for the account.
          pattern: ^acc_\w+$
          example: acc_b9q2XVAnNFbp3
        holder_id:
          type: string
          description: The entity ID that owns this account.
          pattern: ^ent_\w+$
          example: ent_au22b1fbFJbp8
        type:
          type:
          - string
          - 'null'
          description: The type of account. Null for accounts that are disabled before a type was determined.
          enum:
          - ach
          - liability
          - clearing
          - debit_card
          - null
        status:
          type: string
          description: Current status of the account.
          enum:
          - active
          - disabled
          - processing
          - pending_exchange
          - closed
        consent_status:
          type: string
          description: Current consent status for data access on this account.
          enum:
          - pending
          - withdrawn
          - approved
        ach:
          $ref: '#/components/schemas/AccountACH'
        liability:
          $ref: '#/components/schemas/AccountLiability'
        clearing:
          $ref: '#/components/schemas/AccountClearing'
        debit_card:
          $ref: '#/components/schemas/AccountDebitCard'
        error:
          $ref: '#/components/schemas/AccountResourceError'
        metadata:
          $ref: '#/components/schemas/Metadata'
        products:
          type: array
          description: Products currently active for this account.
          items:
            type: string
        restricted_products:
          type: array
          description: Products restricted from this account.
          items:
            type: string
        subscriptions:
          type: array
          description: Subscriptions currently active for this account. Only present for liability accounts.
          items:
            type: string
        available_subscriptions:
          type: array
          description: Subscriptions available to be enrolled for this account. Only present for liability accounts.
          items:
            type: string
        restricted_subscriptions:
          type: array
          description: Subscriptions restricted from this account. Only present for liability accounts.
          items:
            type: string
        latest_verification_session:
          title: AccountExpandableLatestVerificationSession
          description: 'The latest verification session ID. This field is expandable. When expanded, returns the full AccountVerificationSession object.

            '
          oneOf:
          - type: string
            pattern: ^avf_\w+$
          - type: 'null'
          - $ref: '#/components/schemas/AccountVerificationSession'
        balance:
          $ref: '#/components/schemas/AccountExpandableBalance'
        payoff:
          $ref: '#/components/schemas/AccountExpandablePayoff'
        payment_instrument:
          $ref: '#/components/schemas/AccountExpandablePaymentInstrument'
        card_brand:
          $ref: '#/components/schemas/AccountExpandableCardBrand'
        update:
          $ref: '#/components/schemas/AccountExpandableUpdate'
        attribute:
          $ref: '#/components/schemas/AccountExpandableAttribute'
        sensitive:
          $ref: '#/components/schemas/AccountExpandableSensitive'
        created_at:
          type: string
          format: date-time
          description: Timestamp when the account was created.
        updated_at:
          type: string
          format: date-time
          description: Timestamp when the account was last updated.
    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.
    AccountExpandablePayoff:
      title: AccountExpandablePayoff
      description: 'The latest payoff ID. This field is expandable. When expanded, returns the full AccountPayoff object.

        '
      oneOf:
      - type: string
        pattern: ^pyf_\w+$
      - type: 'null'
      - $ref: '#/components/schemas/AccountPayoff'
    AccountCardBrand:
      type: object
      description: Card brand information for an account.
      required:
      - id
      - account_id
      - status
      - created_at
      - updated_at
      properties:
        id:
          type: string
          description: Unique identifier for the card brand.
          pattern: ^cbrd_\w+$
          example: cbrd_aTJMbnCjw34yQ
        account_id:
          type: string
          description: The account this card brand belongs to.
          pattern: ^acc_\w+$
        brands:
          type:
          - array
          - 'null'
          description: Array of card brand entries for this account.
          items:
            type: object
            properties:
              id:
                type: string
                description: Unique identifier for the brand entry.
              card_product_id:
                type:
                - string
                - 'null'
                description: Associated card product ID.
              description:
                type: string
                description: Description of the brand.
              name:
                type: string
                description: Name of the brand.
              issuer:
                type: string
                description: The card issuer.
              network:
                type: string
                description: The card network.
              network_tier:
                type: string
                description: The tier of the card network.
              type:
                type:
                - string
                - 'null'
                description: The brand type.
              url:
                type: string
                description: URL for the brand image.
        source:
          type:
          - string
          - 'null'
          description: Source of the card brand data.
          enum:
          - network
          - method
          - null
        shared:
          type: boolean
          description: Whether this card brand record is shared.
        network:
          type:
          - string
          - 'null'
          description: The card network. Deprecated in favor of brands[].network.
          enum:
          - visa
          - mastercard
          - amex
          - discover
          - null
        issuer:
          type:
          - string
          - 'null'
          description: The card issuer. Deprecated in favor of brands[].issuer.
        last4:
          type:
          - string
          - 'null'
          description: Last 4 digits of the card number. Deprecated in favor of brands[].
        status:
          type: string
          description: Current status of the card brand request.
          enum:
          - completed
          - pending
          - failed
        error:
          $ref: '#/components/schemas/ResourceError'
        created_at:
          type: string
          format: date-time
          description: Timestamp when the card brand was created.
        updated_at:
          type: string
          format: date-time
          description: Timestamp when the card brand was last updated.
    BalanceResourceError:
      type:
      - object
      - 'null'
      description: Error details when a balance sync fails.
      required:
      - type
      - code
      - sub_type
      - message
      properties:
        type:
          type: string
          description: The category of balance error.
          enum:
          - BALANCE_FAILED
        code:
          type: integer
          description: Numeric error code (20XXX range).
          enum:
          - 20001
        sub_type:
          type: string
          description: Specific balance error classification.
          enum:
          - BALANCE_TEMPORARILY_UNAVAILABLE
        message:
          type: string
          description: Human-readable error description.
      example:
        type: BALANCE_FAILED
        code: 20001
        sub_type: BALANCE_TEMPORARILY_UNAVAILABLE
        message: Balance is temporarily unavailable for this account.
    AccountDebitCard:
      type:
      - object
      - 'null'
      description: Debit card account details. Present when `type` is `debit_card`.
      properties:
        network:
          type: string
          description: The card network.
        mask:
          type: string
          description: Last 4 digits of the card number.
        issuer:
          type: string
          description: The card issuer.
    AccountUpdate:
      type: object
      description: An update record for an account.
      required:
      - id
      - account_id
      - status
      - type
      - created_at
      - updated_at
      properties:
        id:
          type: string
          description: Unique identifier for the update.
          pattern: ^upd_\w+$
          example: upd_aTJMbnCjw34yQ
        account_id:
          type: string
          description: The account this update belongs to.
          pattern: ^acc_\w+$
        status:
          type: string
          description: Current status of the update.
          enum:
          - completed
          - pending
          - failed
        type:
          type: string
          description: The liability type of the account being updated.
          enum:
          - credit_card
          - auto_loan
          - mortgage
          - personal_loan
          - student_loan
          - student_loans
          - collection
          - credit_builder
          - insurance
          - loan
          - medical
          - utility
          - bnpl
          - fintech
        source:
          type: string
          description: The data source used for this update.
          enum:
          - direct
          - snapshot
        data_as_of:
          type:
          - string
          - 'null'
          format: date-time
          description: The timestamp of the data used to complete this update.
        credit_card:
          type:
          - object
          - 'null'
          description: Credit card update data. Present when `type` is `credit_card`.
          properties:
            sub_type:
              type:
              - string
              - 'null'
            opened_at:
              type:
              - string
              - 'null'
              format: date
            closed_at:
              type:
              - string
              - 'null'
              format: date
            balance:
              type:
              - integer
              - 'null'
              description: Current balance in cents.
            last_payment_amount:
              type:
              - integer
              - 'null'
              description: Last payment amount in cents.
            last_payment_date:
              type:
              - string
              - 'null'
              format: date
            next_payment_due_date:
              type:
              - string
              - 'null'
              format: date
            next_payment_minimum_amount:
              type:
              - integer
              - 'null'
              description: Minimum payment due in cents.
            interest_rate_type:
              type:
              - string
              - 'null'
            interest_rate_percentage_max:
              type:
              - number
              - 'null'
            interest_rate_percentage_min:
              type:
              - number
              - 'null'
            available_credit:
              type:
              - integer
              - 'null'
              description: Available credit in cents.
            credit_limit:
              type:
              - integer
              - 'null'
              description: Credit limit in cents.
            usage_pattern:
              type:
              - string
              - 'null'
        auto_loan:
          type:
          - object
          - 'null'
          description: Auto loan update data. Present when `type` is `auto_loan`.
          properties:
            sub_type:
              type:
              - string
              - 'null'
            opened_at:
              type:
              - string
              - 'null'
              format: date
            closed_at:
              type:
              - string
              - 'null'
              format: date
            balance:
              type:
              - integer
              - 'null'
              description: Current balance in cents.
            last_payment_amount:
              type:
              - integer
              - 'null'
              description: Last payment amount in cents.
            last_payment_date:
              type:
              - string
              - 'null'
              format: date
            next_payment_due_date:
              type:
              - string
              - 'null'
              format: date
            next_payment_minimum_amount:
              type:
              - integer
              - 'null'
              description: Minimum payment due in cents.
            interest_rate_type:
              type:
              - string
              - 'null'
            expected_payoff_date:
              type:
              - string
              - 'null'
              format: date
            original_loan_amount:
              type:
              - integer
              - 'null'
              description: Original loan amount in cents.
            term_length:
              type:
              - integer
              - 'null'
            interest_rate_percentage:
              type:
              - number
              - 'null'
            interest_rate_source:
              type:
              - string
              - 'null'
        mortgage:
          type:
          - object
          - 'null'
          description: Mortgage update data. Present when `type` is `mortgage`.
          properties:
            sub_type:
              type:
              - string
              - 'null'
            opened_at:
              type:
              - string
              - 'null'
              format: date
            closed_at:
              type:
              - string
              - 'null'
              format: date
            balance:
              type:
              - integer
              - 'null'
              description: Current balance in cents.
            last_payment_amount:
              type:
              - integer
              - 'null'
              description: Last payment amount in cents.
            last_payment_date:
              type:
              - string
              - 'null'
              format: date
            next_payment_due_date:
              type:
              - string
              - 'null'
              format: date
            next_payment_minimum_amount:
              type:
              - integer
              - 'null'
              description: Minimum payment due in cents.
            interest_rate_type:
              type:
              - string
              - 'null'
            expected_payoff_date:
              type:
              - string
              - 'null'
              format: date
            original_loan_amount:
              type:
              - integer
              - 'null'
              description: Original loan amount in cents.
            term_length:
              type:
              - integer
              - 'null'
            interest_rate_percentage:
              type:
              - number
              - 'null'
            interest_rate_source:
              type:
              - string
              - 'null'
        personal_loan:
          type:
          - object
          - 'null'
          description: Personal loan update data. Present when `type` is `personal_loan`.
          properties:
            sub_type:
              type:
              - string
              - 'null'
            opened_at:
              type:
              - string
              - 'null'
              format: date
            closed_at:
              type:
              - string
              - 'null'
              format: date
            balance:
              type:
              - integer
              - 'null'
              description: Current balance in cents.
            last_payment_amount:
              type:
              - integer
              - 'null'
              description: Last payment amount in cents.
            last_payment_date:
              type:
              - string
              - 'null'
              format: date
            next_payment_due_date:
              type:
              - string
              - 'null'
              format: date
            next_payment_minimum_amount:
              type:
              - integer
              - 'null'
              description: Minimum payment due in cents.
            interest_rate_type:
              type:
              - string
              - 'null'
            available_credit:
              type:
              - integer
              - 'null'
              description: Available credit in cents.
            original_loan_amount:
              type:
              - integer
              - 'null'
              description: Original loan amount in cents.
            term_length:
              type:
              - integer
              - 'null'
            interest_rate_percentage:
              type:
              - number
              - 'null'
            interest_rate_source:
              type:
              - string
              - 'null'
        student_loan:
          type:
          - object
          - 'null'
          description: Student loan update data. Present when `type` is `student_loan`.
          properties:
            sub_type:
              type:
              - string
              - 'null'
            opened_at:
              type:
              - string
              - 'null'
              format: date
            closed_at:
              type:
              - string
              - 'null'
              format: date
            balance:
              type:
              - integer
              - 'null'
              description: Current balance in cents.
            last_payment_amount:
              type:
              - integer
              - 'null'
              description: Last payment amount in cents.
            last_payment_date:
              type:
              - string
              - 'null'
              format: date
            next_payment_due_date:
              type:
              - string
              - 'null'
              format: date
            next_payment_minimum_amount:
              type:
              - integer
              - 'null'
              description: Minimum payment due in cents.
            interest_rate_type:
              type:
              - string
              - 'null'
            expected_payoff_date:
              type:
              - string
              - 'null'
              format: date
            original_loan_amount:
              type:
              - integer
              - 'null'
              description: Original loan amount in cents.
            term_length:
              type:
              - integer
              - 'null'
            interest_rate_percentage:
              type:
              - number
              - 'null'
            interest_rate_source:
              type:
              - string
              - 'null'
        student_loans:
          type:
          - object
          - 'null'
          description: Student loans aggregate update data. Present when `type` is `student_loans`.
          properties:
            sub_type:
              type:
              - string
              - 'null'
            opened_at:
              type:
              - string
              - 'null'
              format: date
            closed_at:
              type:
              - string
              - 'null'
              format: date
            balance:
              type:
              - integ

# --- truncated at 32 KB (86 KB total) ---
# Full source: https://raw.githubusercontent.com/api-evangelist/method-financial/refs/heads/main/openapi/method-financial-payments-api-openapi.yml