MX Technologies Rewards API

openapi: 3.2.0
info:
  title: Mx Technologies Rewards API
  contact:
    name: MX Platform API
    url: https://www.mx.com/products/platform-api
  version: '1.0'
  description: 'Operations tagged rewards across 2 of this provider''s published API definitions: mx-technologies-platform-openapi.yml, mx-technologies-platform-v20250224-openapi.yml. Each path carries the servers of the definition it was published in.'
servers:
- url: https://int-api.mx.com
- url: https://api.mx.com
security:
- basicAuth: []
tags:
- name: Rewards
paths:
  /users/{user_guid}/members/{member_guid}/fetch_rewards:
    post:
      description: Calling this endpoint initiates an aggregation-type event which will gather the member's rewards information, as well as account and transaction information. Rewards data is also gathered with daily background aggregations. Member and Rewards guids are defined by MX.
      operationId: fetchRewards
      parameters:
      - $ref: '#/components/parameters/userGuid'
      - $ref: '#/components/parameters/memberGuid'
      responses:
        '200':
          content:
            application/vnd.mx.api.v1+json:
              schema:
                $ref: '#/components/schemas/MemberResponseBody'
          description: OK
      summary: Fetch Rewards
      tags:
      - Rewards
    servers:
    - url: https://int-api.mx.com
    - url: https://api.mx.com
  /users/{user_guid}/members/{member_guid}/rewards:
    get:
      description: Use this endpoint to list all the `rewards` associated with a specified `member`. Member guids are defined by MX.
      operationId: listRewards
      parameters:
      - $ref: '#/components/parameters/userGuid'
      - $ref: '#/components/parameters/memberGuid'
      responses:
        '200':
          content:
            application/vnd.mx.api.v1+json:
              schema:
                $ref: '#/components/schemas/RewardsResponseBody'
          description: OK
      summary: List Rewards
      tags:
      - Rewards
    servers:
    - url: https://int-api.mx.com
    - url: https://api.mx.com
  /users/{user_guid}/members/{member_guid}/rewards/{reward_guid}:
    get:
      description: Use this endpoint to read a specific `reward` based on its unique GUID. Member and Rewards guids are defined by MX.
      operationId: readRewards
      parameters:
      - $ref: '#/components/parameters/userGuid'
      - $ref: '#/components/parameters/memberGuid'
      - $ref: '#/components/parameters/rewardGuid'
      responses:
        '200':
          content:
            application/vnd.mx.api.v1+json:
              schema:
                $ref: '#/components/schemas/RewardResponseBody'
          description: OK
      summary: Read Reward
      tags:
      - Rewards
    servers:
    - url: https://int-api.mx.com
    - url: https://api.mx.com
  /credit_card_products/{credit_card_product_guid}:
    get:
      description: This endpoint returns the specified `credit_card_product` according to the unique GUID.
      operationId: creditCard
      parameters:
      - $ref: '#/components/parameters/creditCardProductGuid'
      responses:
        '200':
          content:
            application/vnd.mx.api.v1+json:
              schema:
                $ref: '#/components/schemas/CreditCardProductResponse'
          description: OK
      summary: Read a Credit Card Product
      tags:
      - Rewards
    servers:
    - url: https://int-api.mx.com
    - url: https://api.mx.com
  /users/{user_identifier}/members/{member_identifier}/fetch_rewards:
    post:
      description: Calling this endpoint initiates an aggregation-type event which will gather the member's rewards information, as well as account and transaction information. Rewards data is also gathered with daily background aggregations. Member and Rewards guids are defined by MX.
      operationId: postUsersByUserIdentifierMembersByMemberIdentifierFetchRewards
      parameters:
      - $ref: '#/components/parameters/acceptVersion'
      - $ref: '#/components/parameters/userIdentifier'
      - $ref: '#/components/parameters/memberIdentifier'
      responses:
        '200':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/MemberResponseBody'
          description: OK
      summary: Fetch Rewards
      tags:
      - Rewards
      x-operation-id-source: normalized
      x-operation-id-original: fetchRewards
    servers:
    - url: https://int-api.mx.com
    - url: https://api.mx.com
components:
  schemas:
    RewardElements:
      properties:
        balance_type:
          example: EXPIRING_BALANCE
          type: string
        balance:
          example: 102
          type: integer
        created_at:
          example: 2020-01-28T21:09:01+0000
          type: string
        description:
          example: A description of the reward.
          type: string
        expires_on:
          example: '2020-02-28'
          type: string
        guid:
          example: RWD-1234
          type: string
        unit_type:
          example: POINTS
          type: string
        updated_at:
          example: '2023-06-01T19:18:06Z'
          type: string
    MemberResponse:
      properties:
        aggregated_at:
          example: '2016-10-13T18:07:57.000Z'
          type:
          - string
          - 'null'
        background_aggregation_is_disabled:
          example: false
          type: boolean
        connection_status:
          example: CONNECTED
          type:
          - string
          - 'null'
        connection_status_message:
          example: Connected to MX Bank
          type:
          - string
          - 'null'
        guid:
          example: MBR-7c6f361b-e582-15b6-60c0-358f12466b4b
          type:
          - string
          - 'null'
        id:
          example: unique_id
          type:
          - string
          - 'null'
        institution_code:
          example: mxbank
          type:
          - string
          - 'null'
        institution_guid:
          example: INST-12345678-90ab-cdef-1234-567890abcdef
          type: string
        is_being_aggregated:
          example: false
          type:
          - boolean
          - 'null'
        is_managed_by_user:
          example: false
          type:
          - boolean
          - 'null'
        is_manual:
          example: false
          type:
          - boolean
          - 'null'
        is_oauth:
          example: false
          type:
          - boolean
          - 'null'
        metadata:
          example: '\"credentials_last_refreshed_at\": \"2015-10-15\'
          type:
          - string
          - 'null'
        most_recent_job_detail_code:
          example: null
          type:
          - integer
          - 'null'
        most_recent_job_detail_text:
          example: null
          type:
          - boolean
          - 'null'
        most_recent_job_guid:
          example: JOB-12345678-90ab-cdef-1234-567890abcdef
          type:
          - boolean
          - 'null'
        name:
          example: MX Bank
          type:
          - string
          - 'null'
        needs_updated_credentials:
          example: false
          type:
          - boolean
          - 'null'
        oauth_window_uri:
          example: https://mxbank.mx.com/oauth/authorize?client_id=b8OikQ4Ep3NuSUrQ13DdvFuwpNx-qqoAsJDVAQCyLkQ&redirect_uri=https%3A%2F%2Fint-app.moneydesktop.com%2Foauth%2Fredirect_from&response_type=code&scope=openid&state=d745bd4ee6f0f9c184757f574bcc2df2
          type:
          - string
          - 'null'
        successfully_aggregated_at:
          example: '2016-10-13T17:57:38.000Z'
          type:
          - string
          - 'null'
        use_cases:
          type: array
          description: The use case associated with the member. Valid values are `PFM` and/or `MONEY_MOVEMENT`. Only set this if you've met with MX and have opted in to using this field.
          items:
            type: string
            enum:
            - MONEY_MOVEMENT
            - PFM
          example:
          - PFM
        user_guid:
          example: USR-fa7537f3-48aa-a683-a02a-b18940482f54
          type:
          - string
          - 'null'
        user_id:
          example: user123
          type:
          - string
          - 'null'
      type: object
    CreditCardProduct:
      properties:
        annual_fee:
          example: 45
          type: number
        duration_of_introductory_rate_on_balance_transfer:
          example: null
          type:
          - integer
          - 'null'
        duration_of_introductory_rate_on_purchases:
          example: null
          type:
          - integer
          - 'null'
        guid:
          example: CCA-b5bcd822-6d01-4e23-b8d6-846a225e714a
          type: string
        has_cashback_rewards:
          example: false
          type: boolean
        has_other_rewards:
          example: true
          type: boolean
        has_travel_rewards:
          example: true
          type: boolean
        has_zero_introductory_annual_fee:
          example: true
          type: boolean
        has_zero_percent_introductory_rate:
          example: false
          type: boolean
        has_zero_percent_introductory_rate_on_balance_transfer:
          example: true
          type: boolean
        is_accepting_applicants:
          example: true
          type: boolean
        is_active_credit_card_product:
          example: true
          type: boolean
        is_small_business_card:
          example: true
          type: boolean
        name:
          example: Chase Credit Card
          type: string
    RewardsResponseBody:
      properties:
        rewards:
          items:
            allOf:
            - $ref: '#/components/schemas/MemberElements'
            - $ref: '#/components/schemas/RewardElements'
          type: array
        pagination:
          $ref: '#/components/schemas/PaginationResponse'
      type: object
    PaginationResponse:
      properties:
        current_page:
          example: 1
          type: integer
        per_page:
          example: 25
          type: integer
        total_entries:
          example: 1
          type: integer
        total_pages:
          example: 1
          type: integer
      type: object
    CreditCardProductResponse:
      properties:
        credit_card_product:
          $ref: '#/components/schemas/CreditCardProduct'
      type: object
    MemberElements:
      properties:
        account_guid:
          example: ACT-283132a4-1401-486a-909e-1605f1623d11
          type: string
        member_guid:
          example: MBR-54feffb9-8474-47bd-8442-de003910113a
          type: string
        user_guid:
          example: USR-101ad774-288b-44ed-ad16-da87d522ea20
          type: string
    RewardResponseBody:
      properties:
        reward:
          allOf:
          - $ref: '#/components/schemas/MemberElements'
          - $ref: '#/components/schemas/RewardElements'
      type: object
    MemberResponseBody:
      properties:
        member:
          $ref: '#/components/schemas/MemberResponse'
      type: object
    RewardElements_2:
      properties:
        balance_type:
          description: The type of balance associated with the reward, for example, `BALANCE_TO_LEVEL`, or `TOTAL_BALANCE`.
          example: EXPIRING_BALANCE
          type: string
        balance:
          description: "The current balance of the account.\n\n`PENDING` transactions are typically not taken into account with the current balance, but this may not always be the case.\n    \nThe balance will usually be a positive value for all account types. Asset-type accounts (`CHECKING`, `SAVINGS`, `INVESTMENT`) may have a negative balance if they are in overdraft.\n\nDebt-type accounts (`CREDIT_CARD`, `LOAN`, `LINE_OF_CREDIT`, `MORTGAGE`) may have a negative balance if they are overpaid.\n"
          example: 1000
          type: number
        created_at:
          description: The date and time the resource was created, represented in ISO 8601 format with a timestamp.
          example: '2025-02-13T18:08:00+00:00'
          type: string
        description:
          description: The description for the reward as given by the data provider.
          example: A description of the reward.
          type: string
        expires_on:
          description: The date on which the balance expires.
          example: '2020-02-28'
          type: string
        guid:
          description: The unique identifier for the reward. Defined by MX.
          example: RWD-1234
          type: string
        unit_type:
          description: The units in which the balance is given, for example, `MILES` or `POINTS`.
          example: POINTS
          type: string
        updated_at:
          description: The date and time at which the account was last updated.
          example: '2023-06-01T19:18:06Z'
          type: string
    MemberResponse_2:
      properties:
        aggregated_at:
          description: 'The date and time the most recent aggregation-type job was started, given in ISO 8601 format with a time component.


            A job will automatically be started when a member is created or its credentials are updated, unless the `skip_aggregation` parameter is used.


            Jobs can also be started via manual aggregations, background aggregations, API endpoints, or when opening an MX widget.


            A job can be a normal aggregation, or a premium job such as identification, verification, fetching statements, or fetching an extended transaction history.


            If a member is deleted and then re-created with the `skip_aggregation` parameter set to `true` or if it is re-created within the throttle window (typically three hours), the previous value will be returned.

            '
          example: '2016-10-13T18:07:57.000Z'
          type:
          - string
          - 'null'
        background_aggregation_is_disabled:
          description: Indicates whether background aggregation is disabled for the `member`.
          example: false
          type: boolean
        connection_status:
          description: The status of a user's connection to an institution. See [Member Connection Status](/api-reference/platform-api/reference/member-connection-statuses).
          example: CONNECTED
          type:
          - string
          - 'null'
          enum:
          - null
          - CREATED
          - PREVENTED
          - DENIED
          - CHALLENGED
          - REJECTED
          - LOCKED
          - CONNECTED
          - IMPEDED
          - RECONNECTED
          - DEGRADED
          - DISCONNECTED
          - DISCONTINUED
          - CLOSED
          - DELAYED
          - FAILED
          - UPDATED
          - DISABLED
          - IMPORTED
          - RESUMED
          - EXPIRED
          - IMPAIRED
          - PENDING
        connection_status_message:
          description: A human-readable message describing the connection status. See [Member Connection Status](/api-reference/platform-api/reference/member-connection-statuses).
          example: Connected to MX Bank
          type:
          - string
          - 'null'
        guid:
          description: The unique identifier for the member. Defined by MX.
          example: MBR-7c6f361b-e582-15b6-60c0-358f12466b4b
          type:
          - string
          - 'null'
        id:
          description: The unique partner-defined identifier for the member.
          example: unique_id
          type:
          - string
          - 'null'
        institution_code:
          description: The code identifying a financial institution.
          example: mxbank
          type:
          - string
          - 'null'
        institution_guid:
          description: The unique identifier for the institution. Defined by MX.
          example: INST-12345678-90ab-cdef-1234-567890abcdef
          type: string
        is_being_aggregated:
          description: Indicates whether the member was being aggregated at the time of the request.
          example: false
          type:
          - boolean
          - 'null'
        is_managed_by_user:
          description: Indicates whether the member is managed by the user or the MX partner. Members created with the managed member feature will have this field set to `false`.
          example: false
          type:
          - boolean
          - 'null'
        is_manual:
          description: Indicates whether the transaction was manually created or belongs to a manual account.
          example: false
          type:
          - boolean
          - 'null'
        is_oauth:
          description: Indicates whether the member uses OAuth to authenticate. Defaults to `false`.
          example: false
          type:
          - boolean
          - 'null'
        metadata:
          description: Additional information you stored about the `member`.
          example: '\"credentials_last_refreshed_at\": \"2015-10-15\'
          type:
          - string
          - 'null'
        most_recent_job_detail_code:
          description: (Deprecated) This field is no longer used and will be removed at a future date.
          example: null
          type:
          - integer
          - 'null'
        most_recent_job_detail_text:
          description: (Deprecated) This field is no longer used and will be removed at a future date.
          example: null
          type:
          - boolean
          - 'null'
        most_recent_job_guid:
          description: The unique identifier for the most recent job. Defined by MX.
          example: JOB-12345678-90ab-cdef-1234-567890abcdef
          type:
          - string
          - 'null'
        name:
          description: The name of the `member`.
          example: MX Bank
          type:
          - string
          - 'null'
        needs_updated_credentials:
          description: Internal field used by MX in some circumstances. When set to `true`, MX will not attempt to aggregate the member. It will be set to `false` automatically when the member's credentials are updated.
          example: false
          type:
          - boolean
          - 'null'
        oauth_window_uri:
          description: When connecting a member using OAuth, this field will contain the URL to send the user to in order to authenticate, otherwise it will be blank.
          example: https://mxbank.mx.com/oauth/authorize?client_id=b8OikQ4Ep3NuSUrQ13DdvFuwpNx-qqoAsJDVAQCyLkQ&redirect_uri=https%3A%2F%2Fint-app.moneydesktop.com%2Foauth%2Fredirect_from&response_type=code&scope=openid&state=d745bd4ee6f0f9c184757f574bcc2df2
          type:
          - string
          - 'null'
        successfully_aggregated_at:
          description: The date and time when the member was last successfully aggregated, represented in ISO 8601 format with a timestamp.
          example: '2016-10-13T17:57:38.000Z'
          type:
          - string
          - 'null'
        use_cases:
          type: array
          description: The use case associated with the member. Valid values are `PFM` and/or `MONEY_MOVEMENT`. Only set this if you've met with MX and have opted in to using this field.
          items:
            type: string
            enum:
            - MONEY_MOVEMENT
            - PFM
          example:
          - PFM
        user_guid:
          description: The unique identifier for the user. Defined by MX.
          example: USR-fa7537f3-48aa-a683-a02a-b18940482f54
          type:
          - string
          - 'null'
        user_id:
          description: The unique partner-defined identifier for the user.
          example: u-1234
          type:
          - string
          - 'null'
      type: object
    CreditCardProduct_2:
      properties:
        annual_fee:
          description: The annual fee associated with the `credit_card_product`.
          example: 45
          type: number
        duration_of_introductory_rate_on_balance_transfer:
          description: The duration of an introductory rate on balance transfers, given in months.
          example: null
          type:
          - integer
          - 'null'
        duration_of_introductory_rate_on_purchases:
          example: null
          type:
          - integer
          - 'null'
        guid:
          description: Unique identifier for the account. Defined by MX.
          example: CCA-b5bcd822-6d01-4e23-b8d6-846a225e714a
          type: string
        has_cashback_rewards:
          description: Indicates if the credit card product has cashback rewards.
          example: false
          type: boolean
        has_other_rewards:
          description: This indicates whether the credit card offers a rewards system that is different than standard cashback or travel rewards.
          example: true
          type: boolean
        has_travel_rewards:
          description: This indicates whether the credit card offers travel rewards.
          example: true
          type: boolean
        has_zero_introductory_annual_fee:
          description: This indicates whether the credit card offers a limited time period where a membership fee is waived.
          example: true
          type: boolean
        has_zero_percent_introductory_rate:
          description: This indicates whether the credit card offers a zero percent introductory rate.
          example: false
          type: boolean
        has_zero_percent_introductory_rate_on_balance_transfer:
          description: This indicates that the credit card offers a zero percent rate when transferring a balance from a different credit card.
          example: true
          type: boolean
        is_accepting_applicants:
          description: This indicates whether the financial institution is still accepting applicants for the credit card.
          example: true
          type: boolean
        is_active_credit_card_product:
          description: This indicates whether the credit card is still supported by the financial institution.
          example: true
          type: boolean
        is_small_business_card:
          description: This indicates whether the credit card is associated with a small business.
          example: true
          type: boolean
        name:
          description: The name associated with the `credit_card_product`.
          example: Credit Card
          type: string
    PaginationResponse_2:
      properties:
        current_page:
          description: The page delivered by the current response.
          example: 1
          type: integer
        per_page:
          description: The number of records delivered with each page.
          example: 25
          type: integer
        total_entries:
          description: The total number of records available.
          example: 1
          type: integer
        total_pages:
          description: The total number of pages available.
          example: 1
          type: integer
      type: object
    MemberElements_2:
      properties:
        account_guid:
          description: The unique identifier for an account. Defined by MX.
          example: ACT-06d7f44b-caae-0f6e-1384-01f52e75dcb1
          type: string
        member_guid:
          description: The unique identifier for the member. Defined by MX.
          example: MBR-7c6f361b-e582-15b6-60c0-358f12466b4b
          type: string
        user_guid:
          description: The unique identifier for the user. Defined by MX.
          example: USR-fa7537f3-48aa-a683-a02a-b18940482f54
          type: string
  parameters:
    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
    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
    rewardGuid:
      description: The unique identifier for the rewards. Defined by MX.
      example: RWD-fa7537f3-48aa-a683-a02a-b324322f54
      in: path
      name: reward_guid
      required: true
      schema:
        type: string
    creditCardProductGuid:
      description: The required `credit_card_product_guid` can be found on the `account` object.
      example: credit_card_product_guid
      in: path
      name: credit_card_product_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
    acceptVersion:
      name: Accept-Version
      in: header
      required: true
      schema:
        type: string
        default: v20250224
        example: v20250224
      description: MX Platform API version.
    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
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
    basicAuth:
      scheme: basic
      type: http
x-refined-from:
- mx-technologies-platform-openapi.yml
- mx-technologies-platform-v20250224-openapi.yml