MethodFi Simulate Accounts API

openapi: 3.2.0
info:
  title: Method Simulate Accounts 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: Simulate Accounts
  description: Sandbox account simulation
paths:
  /simulate/accounts/{accountId}/verification_sessions/{avfId}/amounts:
    get:
      operationId: simulateRetrieveVerificationAmounts
      summary: Retrieve micro-deposit verification amounts
      description: 'Returns the micro-deposit amounts for a verification session in the sandbox environment.

        Use this to retrieve the test amounts needed to complete micro-deposit verification during development.


        **Development only** - This endpoint is only available in the sandbox environment.'
      tags:
      - Simulate Accounts
      security:
      - SecretKey: []
      parameters:
      - $ref: '#/components/parameters/method_version'
      - name: accountId
        in: path
        required: true
        description: Unique identifier for the account.
        schema:
          type: string
          pattern: ^acc_\w+$
      - name: avfId
        in: path
        required: true
        description: Unique identifier for the verification session.
        schema:
          type: string
          pattern: ^avf_\w+$
      responses:
        '200':
          description: The micro-deposit amounts for the verification session.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AccountVerificationSessionAmountsResponse'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
        '500':
          $ref: '#/components/responses/InternalError'
  /simulate/accounts/{accountId}/transactions:
    post:
      operationId: simulateCreateAccountTransaction
      summary: Simulate a transaction
      description: 'Creates a simulated transaction on an account in the sandbox environment.

        Use this to test transaction-related flows during development.


        **Development only** - This endpoint is only available in the sandbox environment.'
      tags:
      - Simulate Accounts
      security:
      - SecretKey: []
      parameters:
      - $ref: '#/components/parameters/method_version'
      - name: accountId
        in: path
        required: true
        description: Unique identifier for the account.
        schema:
          type: string
          pattern: ^acc_\w+$
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required:
              - amount
              properties:
                amount:
                  type: integer
                  description: Transaction amount in cents.
                  minimum: 1
                type:
                  type: string
                  description: The type of transaction to simulate.
                merchant_name:
                  type: string
                  description: Merchant name for the simulated transaction.
      responses:
        '200':
          description: The simulated transaction.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AccountTransactionResponse'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
        '500':
          $ref: '#/components/responses/InternalError'
  /simulate/accounts/{accountId}/card_brands:
    post:
      operationId: simulateCreateAccountCardBrand
      summary: Simulate a card brand
      description: 'Creates a simulated card brand result for an account in the sandbox environment.

        Use this to test card brand retrieval flows during development.


        **Development only** - This endpoint is only available in the sandbox environment.'
      tags:
      - Simulate Accounts
      security:
      - SecretKey: []
      parameters:
      - $ref: '#/components/parameters/method_version'
      - name: accountId
        in: path
        required: true
        description: Unique identifier for the account.
        schema:
          type: string
          pattern: ^acc_\w+$
      responses:
        '200':
          description: The simulated card brand result.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AccountCardBrandResponse'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
        '500':
          $ref: '#/components/responses/InternalError'
components:
  schemas:
    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.
    AccountVerificationSessionAmountsResponse:
      allOf:
      - $ref: '#/components/schemas/SuccessEnvelope'
      - type: object
        properties:
          data:
            type: object
            properties:
              amounts:
                type: array
                description: The micro deposit amounts.
                items:
                  type: integer
    AccountCardBrandResponse:
      allOf:
      - $ref: '#/components/schemas/SuccessEnvelope'
      - type: object
        properties:
          data:
            $ref: '#/components/schemas/AccountCardBrand'
    AccountTransactionResponse:
      allOf:
      - $ref: '#/components/schemas/SuccessEnvelope'
      - type: object
        properties:
          data:
            $ref: '#/components/schemas/AccountTransaction'
    SuccessEnvelope:
      type: object
      description: Standard envelope for successful responses that return a single payload.
      required:
      - success
      - data
      - message
      properties:
        success:
          type: boolean
          description: Always `true` for successful responses.
        data:
          description: Operation-specific response payload.
        message:
          type:
          - string
          - 'null'
      example:
        success: true
        data: {}
        message: null
    AccountCardBrand:
      type: object
      description: Card brand information for an account.
      required:
      - id
      - account_id
      - status
      - created_at
      - updated_at
      properties:
        id:
          type: string
          description: Unique identifier for the card brand.
          pattern: ^cbrd_\w+$
          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:
          $ref: '#/components/schemas/ResourceError'
        created_at:
          type: string
          format: date-time
          description: Timestamp when the card brand was created.
        updated_at:
          type: string
          format: date-time
          description: Timestamp when the card brand was last updated.
    ResourceError:
      type:
      - object
      - 'null'
      required:
      - type
      - code
      - message
      properties:
        type:
          type: string
        code:
          type: integer
        sub_type:
          type:
          - string
          - 'null'
        message:
          type: string
    AccountTransaction:
      type: object
      description: A transaction for an account.
      required:
      - id
      - account_id
      - merchant
      - amount
      - auth_amount
      - currency_code
      - transaction_amount
      - transaction_auth_amount
      - transaction_currency_code
      - status
      - descriptor
      - transacted_at
      - posted_at
      - voided_at
      - original_txn_id
      - created_at
      - updated_at
      properties:
        id:
          type: string
          pattern: ^txn_\w+$
          description: Unique identifier for the transaction.
          example: txn_aTJMbnCjw34yQ
        account_id:
          type: string
          description: The ID of the account this transaction belongs to.
        merchant:
          type:
          - object
          - 'null'
          description: Merchant information for this transaction.
          properties:
            name:
              type:
              - string
              - 'null'
              description: The merchant name.
            logo:
              type:
              - string
              - 'null'
              description: URL of the merchant logo.
        amount:
          type:
          - number
          - 'null'
          description: The transaction amount in cents.
        auth_amount:
          type:
          - number
          - 'null'
          description: The authorized amount in cents.
        currency_code:
          type:
          - string
          - 'null'
          description: The ISO 4217 currency code.
        transaction_amount:
          type:
          - number
          - 'null'
          description: The transaction amount in the transaction currency.
        transaction_auth_amount:
          type:
          - number
          - 'null'
          description: The authorized amount in the transaction currency.
        transaction_currency_code:
          type:
          - string
          - 'null'
          description: The ISO 4217 currency code of the transaction currency.
        status:
          type: string
          description: The current status of the transaction.
          enum:
          - pending
          - posted
          - voided
        descriptor:
          type:
          - string
          - 'null'
          description: The transaction descriptor.
        transacted_at:
          type:
          - string
          - 'null'
          format: date-time
          description: Timestamp when the transaction occurred.
        posted_at:
          type:
          - string
          - 'null'
          format: date-time
          description: Timestamp when the transaction was posted.
        voided_at:
          type:
          - string
          - 'null'
          format: date-time
          description: Timestamp when the transaction was voided.
        original_txn_id:
          type:
          - string
          - 'null'
          description: The ID of the original transaction if this is a related transaction.
        created_at:
          type: string
          format: date-time
          description: Timestamp when the transaction record was created.
        updated_at:
          type: string
          format: date-time
          description: Timestamp when the transaction record was last updated.
    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
  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'
    NotFound:
      description: Not found - the requested resource does not exist.
      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'
  parameters:
    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'
  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.

        '