MX Technologies accounts API
The accounts API from MX Technologies — 13 operation(s) for accounts.
The accounts API from MX Technologies — 13 operation(s) for accounts.
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openapi: 3.2.0
info:
contact:
name: MX Platform API
url: https://www.mx.com/products/platform-api
description: 'The MX Platform API is a powerful, fully-featured API designed to make aggregating and enhancing financial data easy and reliable. It can seamlessly connect your app or website to tens of thousands of financial institutions.
Just getting started? See our [use case guides](/use-cases/).
'
title: MX Platform Accounts API
version: '20111101'
servers:
- url: https://int-api.mx.com
- url: https://api.mx.com
security:
- basicAuth: []
tags:
- name: accounts
paths:
/users/{user_guid}/accounts:
get:
description: 'This endpoint returns a list of all the accounts associated with the specified `user`.
:::warning
This request will not return the full account number. It may return the last four digits of the account number if that information has been provided during aggregation. If you need the full account number, please refer to [List account numbers by member](/api-reference/platform-api/reference/list-account-numbers-by-member/) or [List account numbers by account](/api-reference/platform-api/reference/list-account-numbers-by-account/).
:::
'
operationId: listUserAccounts
parameters:
- $ref: '#/components/parameters/page'
- $ref: '#/components/parameters/memberIsManagedByUser'
- $ref: '#/components/parameters/accountIsManual'
- $ref: '#/components/parameters/recordsPerPageMax1000'
- $ref: '#/components/parameters/userGuid'
- $ref: '#/components/parameters/useCase'
responses:
'200':
content:
application/vnd.mx.api.v1+json:
schema:
$ref: '#/components/schemas/AccountsResponseBody'
description: OK
summary: List accounts
tags:
- accounts
post:
description: This endpoint can only be used to create manual accounts. Creating a manual account will automatically create it under the Manual Institution member. Since a manual account has no credentials tied to the member, the account will never aggregate or include data from a data feed..
operationId: createManualAccount
parameters:
- $ref: '#/components/parameters/userGuid'
requestBody:
content:
application/json:
schema:
$ref: '#/components/schemas/AccountCreateRequestBody'
description: Manual account object to be created.
required: true
responses:
'200':
content:
application/vnd.mx.api.v1+json:
schema:
$ref: '#/components/schemas/AccountResponseBody'
description: OK
summary: Create manual account
tags:
- accounts
/users/{user_guid}/accounts/{account_guid}:
get:
description: This endpoint returns the specified `account` resource.
operationId: readAccount
parameters:
- $ref: '#/components/parameters/accountGuid'
- $ref: '#/components/parameters/userGuid'
responses:
'200':
content:
application/vnd.mx.api.v1+json:
schema:
$ref: '#/components/schemas/AccountResponseBody'
description: OK
summary: Read account
tags:
- accounts
delete:
description: This endpoint deletes accounts that were manually created. The API will respond with an empty object and a status of `204 No Content`.
operationId: deleteManualAccount
parameters:
- $ref: '#/components/parameters/accountGuid'
- $ref: '#/components/parameters/acceptHeader'
- $ref: '#/components/parameters/userGuid'
responses:
'204':
description: No content.
summary: Delete manual account
tags:
- accounts
/users/{user_guid}/accounts/{account_guid}/account_numbers:
get:
description: This endpoint returns a list of account numbers associated with the specified `account`.
operationId: listAccountNumbersByAccount
parameters:
- $ref: '#/components/parameters/accountGuid'
- $ref: '#/components/parameters/page'
- $ref: '#/components/parameters/recordsPerPageMax1000'
- $ref: '#/components/parameters/userGuid'
responses:
'200':
content:
application/vnd.mx.api.v1+json:
schema:
$ref: '#/components/schemas/AccountNumbersResponseBody'
description: OK
summary: List account numbers by account
tags:
- accounts
/users/{user_guid}/members/{member_guid}/account_numbers:
get:
description: This endpoint returns a list of account numbers associated with the specified `member`.
operationId: listAccountNumbersByMember
parameters:
- $ref: '#/components/parameters/memberGuid'
- $ref: '#/components/parameters/page'
- $ref: '#/components/parameters/recordsPerPageMax1000'
- $ref: '#/components/parameters/userGuid'
responses:
'200':
content:
application/vnd.mx.api.v1+json:
schema:
$ref: '#/components/schemas/AccountNumbersResponseBody'
description: OK
summary: List account numbers by member
tags:
- accounts
/users/{user_guid}/members/{member_guid}/account_owners:
get:
description: This endpoint returns an array with information about every account associated with a particular member.
operationId: listAccountOwnersByMember
parameters:
- $ref: '#/components/parameters/memberGuid'
- $ref: '#/components/parameters/page'
- $ref: '#/components/parameters/recordsPerPageMax1000'
- $ref: '#/components/parameters/userGuid'
responses:
'200':
content:
application/vnd.mx.api.v1+json:
schema:
$ref: '#/components/schemas/AccountOwnersResponseBody'
description: OK
summary: List account owners by member
tags:
- accounts
/users/{user_guid}/members/{member_guid}/accounts:
get:
description: This endpoint returns a list of all the accounts associated with the specified `member`.
operationId: listMemberAccounts
parameters:
- $ref: '#/components/parameters/memberIsManagedByUser'
- $ref: '#/components/parameters/page'
- $ref: '#/components/parameters/recordsPerPageMax1000'
- $ref: '#/components/parameters/userGuid'
- $ref: '#/components/parameters/memberGuid'
responses:
'200':
content:
application/vnd.mx.api.v1+json:
schema:
$ref: '#/components/schemas/AccountsResponseBody'
description: OK
summary: List accounts by member
tags:
- accounts
/users/{user_guid}/members/{member_guid}/accounts/{account_guid}:
get:
description: This endpoint allows you to read the attributes of an `account` resource.
operationId: readAccountByMember
parameters:
- $ref: '#/components/parameters/accountGuid'
- $ref: '#/components/parameters/memberGuid'
- $ref: '#/components/parameters/userGuid'
responses:
'200':
content:
application/vnd.mx.api.v1+json:
schema:
$ref: '#/components/schemas/AccountResponseBody'
description: OK
summary: Read account by member
tags:
- accounts
put:
description: This endpoint allows you to update certain attributes of an `account` resource, including manual accounts. For manual accounts, you can update every field listed. For aggregated accounts, you can only update `is_business`, `is_hidden` and `metadata`.
operationId: updateAccountByMember
parameters:
- $ref: '#/components/parameters/accountGuid'
- $ref: '#/components/parameters/memberGuid'
- $ref: '#/components/parameters/userGuid'
requestBody:
content:
application/json:
schema:
$ref: '#/components/schemas/AccountUpdateRequestBody'
required: true
responses:
'200':
content:
application/vnd.mx.api.v1+json:
schema:
$ref: '#/components/schemas/AccountResponseBody'
description: OK
summary: Update account by member
tags:
- accounts
/users/{user_identifier}/accounts:
get:
description: 'This endpoint returns a list of all the accounts associated with the specified `user`.
:::warning Account Numbers
This request will not return the full account number. It may return the last four digits of the account number if that information has been provided during aggregation. If you need the full account number, please refer to [List account numbers by member](https://docs.mx.com/api-reference/platform-api/reference/list-account-numbers-by-member/), [List account numbers by account](https://docs.mx.com/api-reference/platform-api/reference/list-account-numbers-by-account/), or the [Fetch Account and Routing Numbers](https://docs.mx.com/products/connectivity/instant-account-verification/fetch-account-routing-number-api/#4-read-the-account-numbers) guide.
:::
'
operationId: listUserAccounts
parameters:
- $ref: '#/components/parameters/acceptVersion'
- $ref: '#/components/parameters/acceptHeader_2'
- $ref: '#/components/parameters/page'
- $ref: '#/components/parameters/memberIsManagedByUser'
- $ref: '#/components/parameters/accountIsManual'
- $ref: '#/components/parameters/recordsPerPageMax1000'
- $ref: '#/components/parameters/userIdentifier'
- $ref: '#/components/parameters/useCase_2'
responses:
'200':
content:
application/json:
schema:
$ref: '#/components/schemas/AccountsResponseBody'
description: OK
summary: List accounts
tags:
- accounts
post:
description: 'This endpoint can only be used to create manual accounts. Creating a manual account will automatically create it under the Manual Institution member. Since a manual account has no credentials tied to the member, the account will never aggregate or include data from a data feed.
:::warning
You must use the user `guid` when setting `user_identifier` in the path.
:::
'
operationId: createManualAccount
parameters:
- $ref: '#/components/parameters/acceptVersion'
- $ref: '#/components/parameters/userIdentifier'
requestBody:
content:
application/json:
schema:
$ref: '#/components/schemas/AccountCreateRequestBody'
description: Manual account object to be created.
required: true
responses:
'200':
content:
application/json:
schema:
$ref: '#/components/schemas/AccountResponseBody'
description: OK
summary: Create manual account
tags:
- accounts
/users/{user_identifier}/accounts/{account_identifier}/account_numbers:
get:
description: This endpoint returns a list of account numbers associated with the specified `account`.
operationId: listAccountNumbersByAccount
parameters:
- $ref: '#/components/parameters/acceptVersion'
- $ref: '#/components/parameters/accountIdentifier'
- $ref: '#/components/parameters/page'
- $ref: '#/components/parameters/recordsPerPageMax1000'
- $ref: '#/components/parameters/userIdentifier'
responses:
'200':
content:
application/json:
schema:
$ref: '#/components/schemas/AccountNumbersResponseBody'
description: OK
summary: List account numbers by account
tags:
- accounts
/users/{user_guid}/accounts/merge:
post:
operationId: mergeAccounts
tags:
- accounts
summary: Merge accounts
description: "Merge two or more financial accounts that an end user has identified as duplicates. \nProvide at least two account GUIDs belonging to the same user. \n:::danger\n\nThe response will return a single consolidated account. Any other accounts you provided that were not included in the response will be deleted.\nThis is a destructive action and can't be undone.\n\n:::\n"
parameters:
- $ref: '#/components/parameters/acceptVersion'
- $ref: '#/components/parameters/userGuid'
requestBody:
required: true
content:
application/json:
schema:
$ref: '#/components/schemas/AccountsMergeRequestBody'
responses:
'200':
description: OK
content:
application/json:
schema:
$ref: '#/components/schemas/AccountResponseBody'
/users/{user_identifier}/members/{member_identifier}/account_owners:
get:
description: This endpoint returns an array with information about every account associated with a particular member.
operationId: listAccountOwnersByMember
parameters:
- $ref: '#/components/parameters/acceptVersion'
- $ref: '#/components/parameters/memberIdentifier'
- $ref: '#/components/parameters/page'
- $ref: '#/components/parameters/recordsPerPageMax1000'
- $ref: '#/components/parameters/userIdentifier'
responses:
'200':
content:
application/json:
schema:
$ref: '#/components/schemas/AccountOwnersResponseBody'
description: OK
summary: List account owners by member
tags:
- accounts
/users/{user_identifier}/members/{member_identifier}/accounts:
get:
description: This endpoint returns a list of all the accounts associated with the specified `member`.
operationId: listMemberAccounts
parameters:
- $ref: '#/components/parameters/acceptVersion'
- $ref: '#/components/parameters/memberIsManagedByUser'
- $ref: '#/components/parameters/page'
- $ref: '#/components/parameters/recordsPerPageMax1000'
- $ref: '#/components/parameters/userIdentifier'
- $ref: '#/components/parameters/memberIdentifier'
responses:
'200':
content:
application/json:
schema:
$ref: '#/components/schemas/AccountsResponseBody'
description: OK
summary: List member accounts
tags:
- accounts
/users/{user_identifier}/members/{member_identifier}/accounts/{account_identifier}:
get:
description: This endpoint allows you to read the attributes of an `account` resource.
operationId: readAccountByMember
parameters:
- $ref: '#/components/parameters/acceptVersion'
- $ref: '#/components/parameters/accountIdentifier'
- $ref: '#/components/parameters/memberIdentifier'
- $ref: '#/components/parameters/userIdentifier'
responses:
'200':
content:
application/json:
schema:
$ref: '#/components/schemas/AccountResponseBody'
description: OK
summary: Read member account
tags:
- accounts
put:
description: This endpoint allows you to update certain attributes of an `account` resource, including manual accounts. For manual accounts, you can update every field listed. For aggregated accounts, you can only update `is_business`, `is_hidden` and `metadata`.
operationId: updateAccountByMember
parameters:
- $ref: '#/components/parameters/acceptVersion'
- $ref: '#/components/parameters/accountIdentifier'
- $ref: '#/components/parameters/memberIdentifier'
- $ref: '#/components/parameters/userIdentifier'
requestBody:
content:
application/json:
schema:
$ref: '#/components/schemas/AccountUpdateRequestBody'
required: true
responses:
'200':
content:
application/json:
schema:
$ref: '#/components/schemas/AccountResponseBody'
description: OK
summary: Update account by member
tags:
- accounts
components:
parameters:
memberIdentifier:
description: Use either the member `id` you defined or the MX-defined member `guid`. See [MX-Defined GUIDs vs IDs Defined by You](https://docs.mx.com/products/connectivity/overview/held-data/#mx-defined-guids-vs-ids-defined-by-you).
name: member_identifier
in: path
required: true
schema:
type: string
useCase_2:
description: The use case associated with the member. Valid values are `PFM` and/or `MONEY_MOVEMENT`.
required: false
in: query
name: use_case
schema:
type: string
useCase:
description: The use case associated with the member. Valid values are `PFM` and `MONEY_MOVEMENT`. For example, you can append either `?use_case=PFM` or `?use_case=MONEY_MOVEMENT`.
example: MONEY_MOVEMENT
required: false
in: query
name: use_case
schema:
type: string
accountIsManual:
description: List only accounts that were manually created.
example: true
in: query
name: is_manual
schema:
type: boolean
memberGuid:
description: The unique id for a `member`.
example: MBR-7c6f361b-e582-15b6-60c0-358f12466b4b
in: path
name: member_guid
required: true
schema:
type: string
acceptVersion:
name: Accept-Version
in: header
required: true
schema:
type: string
default: v20250224
example: v20250224
description: MX Platform API version.
page:
description: Results are paginated. Specify current page.
example: 1
in: query
name: page
schema:
type: integer
accountIdentifier:
description: Use either the account `id` you defined or the MX-defined account `guid`. See [MX-Defined GUIDs vs IDs Defined by You](https://docs.mx.com/products/connectivity/overview/held-data/#mx-defined-guids-vs-ids-defined-by-you).
in: path
required: true
name: account_identifier
schema:
type: string
acceptHeader_2:
description: Specifies the media type expected in the response.
in: header
name: Accept
required: true
schema:
type: string
example: application/json
accountGuid:
description: The unique id for an `account`.
example: ACT-06d7f44b-caae-0f6e-1384-01f52e75dcb1
in: path
name: account_guid
required: true
schema:
type: string
acceptHeader:
description: Specifies the media type expected in the response.
in: header
name: Accept
required: true
schema:
type: string
example: application/vnd.mx.api.v1+json
recordsPerPageMax1000:
description: This specifies the number of records to be returned on each page. Defaults to `25`. The valid range is from `10` to `1000`. If the value exceeds `1000`, the default value of `25` will be used instead.
example: 10
in: query
name: records_per_page
schema:
type: integer
memberIsManagedByUser:
description: List only accounts whose member is managed by the user.
example: true
in: query
name: member_is_managed_by_user
schema:
type: boolean
userGuid:
description: The unique identifier for a `user`, beginning with the prefix `USR-`.
example: USR-fa7537f3-48aa-a683-a02a-b18940482f54
in: path
name: user_guid
required: true
schema:
type: string
userIdentifier:
description: Use either the user `id` you defined or the MX-defined user `guid`. See [MX-Defined GUIDs vs IDs Defined by You](https://docs.mx.com/products/connectivity/overview/held-data/#mx-defined-guids-vs-ids-defined-by-you).
in: path
required: true
name: user_identifier
schema:
type: string
schemas:
AccountNumbersResponseBody:
properties:
account_numbers:
items:
$ref: '#/components/schemas/AccountNumberResponse'
type: array
pagination:
$ref: '#/components/schemas/PaginationResponse'
type: object
AccountOwnersResponseBody:
properties:
account_owners:
items:
$ref: '#/components/schemas/AccountOwnerResponse'
type: array
pagination:
$ref: '#/components/schemas/PaginationResponse'
type: object
AccountNumberResponse:
properties:
account_guid:
example: ACT-06d7f45b-caae-0f6e-1384-01f52e75dcb1
type:
- string
- 'null'
account_number:
example: '10001'
type:
- string
- 'null'
guid:
example: ACN-8899832e-e5b4-42cd-aa25-bbf1dc889a8f
type:
- string
- 'null'
institution_number:
example: '123'
type:
- string
- 'null'
loan_guarantor:
example: U.S. DEPARTMENT OF EDUCATION (123456)
type:
- string
- 'null'
loan_reference_number:
example: '123456789012345'
type:
- string
- 'null'
member_guid:
example: MBR-7c6f361b-e582-15b6-60c0-358f12466b4b
type:
- string
- 'null'
passed_validation:
example: true
type:
- boolean
- 'null'
routing_number:
example: '68899990000000'
type:
- string
- 'null'
sequence_number:
example: 1-01
type:
- string
- 'null'
transit_number:
example: '12345'
type:
- string
- 'null'
user_guid:
example: USR-fa7537f3-48aa-a683-a02a-b18940482f54
type:
- string
- 'null'
type: object
AccountResponse:
properties:
account_number:
example: '5366'
type:
- string
- 'null'
account_number_set_by:
example: 1
type:
- integer
- 'null'
account_ownership:
example: INDIVIDUAL
type:
- string
- 'null'
annuity_policy_to_date:
example: '2016-10-13T17:57:37.000Z'
type:
- string
- 'null'
annuity_provider:
example: Metlife
type:
- string
- 'null'
annuity_term_year:
example: 2048
type:
- integer
- 'null'
apr:
example: 1
type:
- number
- 'null'
apr_set_by:
example: 1
type:
- integer
- 'null'
apy:
example: 1
type:
- number
- 'null'
apy_set_by:
example: 1
type:
- integer
- 'null'
available_balance:
example: 1000
type:
- number
- 'null'
available_balance_set_by:
example: 1
type:
- integer
- 'null'
available_credit:
example: 1000
type:
- number
- 'null'
available_credit_set_by:
example: 1
type:
- integer
- 'null'
balance:
example: 10000
type:
- number
- 'null'
balance_set_by:
example: 1
type:
- integer
- 'null'
calculated_apr:
example: 21.66409
type:
- number
- 'null'
cash_balance:
example: 1000
type:
- number
- 'null'
cash_balance_set_by:
example: 1
type:
- integer
- 'null'
cash_surrender_value:
example: 1000
type:
- number
- 'null'
cash_surrender_value_set_by:
example: 1
type:
- integer
- 'null'
created_at:
example: '2023-07-25T17:14:46Z'
type: string
credit_limit:
example: 100
type:
- number
- 'null'
credit_limit_set_by:
example: 1
type:
- integer
- 'null'
currency_code:
example: USD
type:
- string
- 'null'
currency_code_set_by:
example: 1
type:
- integer
- 'null'
day_payment_is_due:
example: 20
type:
- integer
- 'null'
day_payment_is_due_set_by:
example: 1
type:
- integer
- 'null'
death_benefit:
example: 1000
type:
- integer
- 'null'
death_benefit_set_by:
example: 1
type:
- integer
- 'null'
federal_insurance_status:
example: INSURED
type:
- string
- 'null'
feed_account_number:
example: '5366'
type:
- string
- 'null'
feed_account_subtype:
example: 1
type:
- integer
- 'null'
feed_account_type:
example: 1
type:
- integer
- 'null'
feed_apr:
example: 1
type:
- number
- 'null'
feed_apy:
example: 1
type:
- number
- 'null'
feed_available_balance:
example: 1000
type:
- number
- 'null'
feed_balance:
example: 1000
type:
- number
- 'null'
feed_cash_balance:
example: 1000
type:
- number
- 'null'
feed_cash_surrender_value:
example: 1000
type:
- number
- 'null'
feed_credit_limit:
example: 100
type:
- number
- 'null'
feed_currency_code:
example: USD
type:
- string
- 'null'
feed_day_payment_is_due:
example: 20
type:
- integer
- 'null'
feed_death_benefit:
example: 1000
type:
- integer
- 'null'
feed_holdings_value:
example: 1000
type:
- number
- 'null'
feed_interest_rate:
example: 1
type:
- number
- 'null'
feed_is_closed:
example: false
type:
- boolean
- 'null'
feed_last_payment:
example: 100
type:
- number
- 'null'
feed_last_payment_at:
example: '2023-07-25T17:14:46Z'
type:
- string
- 'null'
feed_loan_amount:
example: 1000
type:
- number
- 'null'
feed_matures_on:
example: '2015-10-13T17:57:37.000Z'
type:
- string
- 'null'
feed_minimum_balance:
example: 100
type:
- number
- 'null'
feed_minimum_payment:
example: 10
type:
- number
- 'null'
feed_name:
example: Test account 2
type:
- string
- 'null'
feed_nickname:
example: My Checking
type:
- string
- 'null'
feed_original_balance:
example: 10
type:
- number
- 'null'
feed_payment_due_at:
example: '2025-02-13T17:57:37.000Z'
type:
- string
- 'null'
feed_payoff_balance:
example: 10
type:
- number
- 'null'
feed_routing_number:
example: '68899990000000'
type:
- string
- 'null'
feed_started_on:
example: '2020-10-13T17:57:37.000Z'
type:
- string
- 'null'
feed_statement_balance:
example: 100
type:
- number
- 'null'
feed_total_account_value:
example: 100
type:
- number
- 'null'
guid:
example: ACT-06d7f44b-caae-0f6e-1384-01f52e75dcb1
type:
- string
- 'null'
holdings_value:
example: 1000
type:
- number
- 'null'
holdings_value_set_by:
example: 1
type:
- integer
- 'null'
id:
example: '1040434698'
type:
- string
- 'null'
imported_at:
example: '2015-10-13T17:57:37.000Z'
type:
- string
- 'null'
institution_code:
example: 3af3685e-05d9-7060-359f-008d0755e993
type:
- string
- 'null'
institution_guid:
example: INS-12a3b-4c5dd6-1349-008d0755e993
type:
- string
- 'null'
insured_name:
example: Tommy Shelby
type:
- string
- 'null'
interest_rate:
example: 1
type:
- number
- 'null'
interest_rate_set_by:
example: 1
type:
- integer
- 'null'
is_closed:
example: false
type:
- boolean
- 'null'
is_closed_set_by:
example: 1
type:
- integer
- 'null'
is_hidden:
example: false
type:
- boolean
- 'null'
is_manual:
example: false
type:
- boolean
- 'null'
last_payment:
example: 100
type:
- number
- 'null'
last_payment_set_by:
example: 1
type:
- integer
- 'null'
last_payment_at:
example: '2023-07-25T17:14:46Z'
type:
- string
- 'null'
last_payment_at_set_by:
example: 1
type:
- integer
- 'null'
loan_amount:
example: 1000
type:
- number
- 'null'
loan_amount_set_by:
example: 1
type:
- integer
- 'null'
margin_balance:
example: 1000
type:
- number
- 'null'
matures_on:
example: '2015-10-13T17:57:37.000Z'
type:
- string
- 'null'
matures_on_set_by:
example: 1
type:
- integer
- 'null'
member_guid:
example: MBR-7c6f361b-e582-15b6-60c0-358f12466b4b
type:
- string
- 'null'
member_id:
example: member123
type:
- string
- 'null'
member_is_managed_by_user:
example: false
type:
- boolean
- 'null'
metadata:
example: some metadata
type:
- string
- 'null'
minimum_balance:
example: 100
type:
- number
- 'null'
minimum_balance_set_by:
example: 1
type:
- integer
- 'null'
minimum_payment:
example: 10
type:
- number
- 'null'
minimum_payment_set_by:
example: 1
type:
- integer
- 'null'
name:
example: Test account 2
type:
- string
- 'null'
name_set_by:
example: 1
type:
- integer
- 'null'
nickname:
example: My Checking
type:
- string
- 'null'
nickname_set_by:
example: 1
type:
- integer
- 'null'
original_balance:
exampl
# --- truncated at 32 KB (42 KB total) ---
# Full source: https://raw.githubusercontent.com/api-evangelist/mx-technologies/refs/heads/main/openapi/mx-technologies-accounts-api-openapi.yml