MethodFi Account Updates API
Update records for accounts
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OpenAPI Specification
openapi: 3.2.0
info:
title: Method Account Updates API
version: '2025-12-01'
license:
name: Proprietary
url: https://methodfi.com
description: 'The Method API enables you to retrieve financial data, create payments, and manage
entities and accounts programmatically.'
contact:
name: Method Financial
url: https://methodfi.com
email: team@methodfi.com
servers:
- url: https://production.methodfi.com
description: Production
- url: https://sandbox.methodfi.com
description: Sandbox
- url: https://dev.methodfi.com
description: Development
security:
- SecretKey: []
tags:
- name: Account Updates
description: Update records for accounts
paths:
/accounts/{accountId}/updates:
get:
operationId: listAccountUpdates
summary: List all account updates
description: Returns a list of update records for the specified account.
tags:
- Account Updates
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 updates.
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/AccountUpdateListResponse'
'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: createAccountUpdate
summary: Create an account update
description: Creates a new update request for the specified account.
tags:
- Account Updates
security:
- SecretKey: []
parameters:
- $ref: '#/components/parameters/method_version'
- $ref: '#/components/parameters/idempotency_key'
- $ref: '#/components/parameters/AccountIdParam'
responses:
'200':
description: The newly created account update.
content:
application/json:
schema:
$ref: '#/components/schemas/AccountUpdateResponse'
'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}/updates/{updateId}:
get:
operationId: retrieveAccountUpdate
summary: Retrieve an account update
description: Retrieves an account update by its unique identifier.
tags:
- Account Updates
security:
- SecretKey: []
parameters:
- $ref: '#/components/parameters/method_version'
- $ref: '#/components/parameters/AccountIdParam'
- $ref: '#/components/parameters/AccountUpdateIdParam'
responses:
'200':
description: The requested account update.
content:
application/json:
schema:
$ref: '#/components/schemas/AccountUpdateResponse'
'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:
headers:
Pagination-Total-Count:
description: Total number of items across all pages.
schema:
type: integer
Pagination-Page-Cursor-Prev:
description: Cursor for the previous page, if available.
schema:
type:
- string
- 'null'
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-Count:
description: Total number of pages.
schema:
type: integer
Pagination-Page-Limit:
description: Number of items per page.
schema:
type: integer
schemas:
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
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.
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
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
- 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:
- 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'
disbursements:
type:
- array
- 'null'
items:
type: object
original_loan_amount:
type:
- integer
- 'null'
description: Original loan amount in cents.
interest_rate_percentage:
type:
- number
- 'null'
interest_rate_source:
type:
- string
- 'null'
bnpl:
type:
- object
- 'null'
description: Buy now pay later update data. Present when `type` is `bnpl`.
properties:
balance:
type:
- integer
- 'null'
description: Current balance in cents.
opened_at:
type:
- string
- 'null'
format: date
closed_at:
type:
- string
- 'null'
format: date
fintech:
type:
- object
- 'null'
description: Fintech account update data. Present when `type` is `fintech`.
properties:
balance:
type:
- integer
- 'null'
description: Current balance in cents.
opened_at:
type:
- string
- 'null'
format: date
closed_at:
type:
- string
- 'null'
format: date
error:
$ref: '#/components/schemas/UpdateResourceError'
created_at:
type: string
format: date-time
description: Timestamp when the update was created.
updated_at:
type: string
format: date-time
description: Timestamp when the update was last updated.
AccountUpdateResponse:
allOf:
- $ref: '#/components/schemas/SuccessEnvelope'
- type: object
properties:
data:
$ref: '#/components/schemas/AccountUpdate'
AccountUpdateListResponse:
allOf:
- $ref: '#/components/schemas/ListEnvelope'
- type: object
properties:
data:
type: array
items:
$ref: '#/components/schemas/AccountUpdate'
UpdateResourceError:
type:
- object
- 'null'
description: Error details when an account update fails.
required:
- type
- code
- sub_type
- message
properties:
type:
type: string
description: The category of update error.
enum:
- UPDATE_FAILED
code:
type: integer
description: Numeric error code (21XXX range).
enum:
- 21001
sub_type:
type: string
description: Specific update error classification.
enum:
- UPDATE_TEMPORARILY_UNAVAILABLE
message:
type: string
description: Human-readable error description.
example:
type: UPDATE_FAILED
code: 21001
sub_type: UPDATE_TEMPORARILY_UNAVAILABLE
message: Update is temporarily unavailable for this account.
ErrorEnvelope:
type: object
required:
- success
- data
- message
properties:
success:
type: boolean
description: Always `false` for error responses.
data:
type: object
required:
- error
properties:
error:
$ref: '#/components/schemas/ErrorObject'
message:
type: string
parameters:
AccountUpdateIdParam:
name: updateId
in: path
required: true
description: Unique identifier for the account update.
schema:
type: string
pattern: ^upd_\w+$
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
AccountIdParam:
name: accountId
in: path
required: true
description: Unique identifier for the account.
schema:
type: string
pattern: ^acc_\w+$
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
PageLimitParam:
name: page_limit
in: query
required: false
description: Number of items per page.
schema:
type: integer
minimum: 1
maximum: 100
default: 10
method_version:
name: Method-Version
in: header
required: true
description: 'API version to use for this request. This spec targets `2025-12-01`.
The SDK sets this header automatically.
'
schema:
type: string
enum:
- '2025-12-01'
default: '2025-12-01'
PageParam:
name: page
in: query
required: false
description: Page number for pagination (1-indexed).
schema:
type: integer
minimum: 1
default: 1
responses:
BadRequest:
description: Bad request - invalid parameters or request body.
content:
application/json:
schema:
$ref: '#/components/schemas/ErrorEnvelope'
Unauthorized:
description: Unauthorized - missing or invalid authentication token.
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'
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'
InternalError:
description: Internal server error.
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'
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.
'