Method Financial

Method Financial provides an embedded liability connectivity and payments API that lets developers identify, retrieve, and pay down a consumer's debts (credit cards, student loans, auto loans, mortgages, personal loans) across a network of 15,000+ financial institutions. The REST API exposes entities, accounts, payments, merchants, connect (liability discovery), transactions, and webhooks, authenticated with a Bearer API key.

7 APIs 0 Features

FinTechPaymentsLiabilitiesDebtEmbedded Finance

APIs

Method Entities API

Create and manage Entities - the individuals and corporations that own accounts - along with their identities, credit scores, attributes, products, and KYC/KBA/SMS verification ...

Method Accounts API

Create and retrieve Accounts - the liability and asset accounts linked to an entity - with real-time balances, payoffs, transactions, attributes, and account verification sessions.

Method Payments API

Move funds electronically by pulling from a source account and sending to a destination liability or asset account, with payment reversals for balancing unsuccessful payments. S...

Method Merchants API

List and retrieve Merchants - the financial institutions (credit card issuers, student loan servicers, mortgage and auto lenders) that accept payments for a liability - with pre...

Method Connect API

Discover and connect all of an entity's liability accounts (credit cards, mortgages, auto loans, student loans) across Method's network of financial institutions from identity d...

Method Transactions API

List and retrieve transaction history for an account, surfacing the posted activity Method has on file for a connected liability or asset account.

Method Webhooks API

Create and manage Webhooks that deliver asynchronous events - entity, account, payment, verification, and attribute updates - to your endpoints over HTTPS as resources change.

Collections

Method Financial API

OPEN

Pricing Plans

Method Fi Plans Pricing

2 plans

PLANS

Rate Limits

Method Fi Rate Limits

3 limits

RATE LIMITS

FinOps

Method Fi Finops

FINOPS

Resources

👥

GitHubOrganization

Sources

opencollection: 1.0.0
info:
  name: Method Financial API
  version: '2026-03-30'
request:
  auth:
    type: bearer
    token: '{{bearerToken}}'
items:
- info:
    name: Entities
    type: folder
  items:
  - info:
      name: Create an entity
      type: http
    http:
      method: POST
      url: https://production.methodfi.com/entities
      body:
        type: json
        data: '{"type": "individual", "individual": {"first_name": "<string>", "last_name": "<string>", "phone": "<string>",
          "email": "<string>", "dob": "<date>"}}'
    docs: Create an entity
  - info:
      name: List entities
      type: http
    http:
      method: GET
      url: https://production.methodfi.com/entities
    docs: List entities
  - info:
      name: Retrieve an entity
      type: http
    http:
      method: GET
      url: https://production.methodfi.com/entities/{ent_id}
    docs: Retrieve an entity
  - info:
      name: Update an entity
      type: http
    http:
      method: PUT
      url: https://production.methodfi.com/entities/{ent_id}
      body:
        type: json
        data: '{"individual": {"email": "<string>"}}'
    docs: Update an entity
  - info:
      name: Retrieve connect results
      type: http
    http:
      method: GET
      url: https://production.methodfi.com/entities/{ent_id}/connect
    docs: Retrieve connect results
  - info:
      name: Retrieve credit scores
      type: http
    http:
      method: GET
      url: https://production.methodfi.com/entities/{ent_id}/credit_scores
    docs: Retrieve credit scores
  - info:
      name: Create a verification session
      type: http
    http:
      method: POST
      url: https://production.methodfi.com/entities/{ent_id}/verification_sessions
      body:
        type: json
        data: '{"type": "phone", "method": "sms"}'
    docs: Create a verification session
  - info:
      name: List verification sessions
      type: http
    http:
      method: GET
      url: https://production.methodfi.com/entities/{ent_id}/verification_sessions
    docs: List verification sessions
- info:
    name: Accounts
    type: folder
  items:
  - info:
      name: Create an account
      type: http
    http:
      method: POST
      url: https://production.methodfi.com/accounts
      body:
        type: json
        data: '{"holder_id": "<string>", "ach": {"routing": "<string>", "number": "<string>", "type": "checking"}}'
    docs: Create an account
  - info:
      name: List accounts
      type: http
    http:
      method: GET
      url: https://production.methodfi.com/accounts
    docs: List accounts
  - info:
      name: Retrieve an account
      type: http
    http:
      method: GET
      url: https://production.methodfi.com/accounts/{acc_id}
    docs: Retrieve an account
  - info:
      name: Retrieve the latest balance
      type: http
    http:
      method: GET
      url: https://production.methodfi.com/accounts/{acc_id}/balances
    docs: Retrieve the latest balance
  - info:
      name: Retrieve a payoff
      type: http
    http:
      method: GET
      url: https://production.methodfi.com/accounts/{acc_id}/payoff
    docs: Retrieve a payoff
  - info:
      name: List account transactions
      type: http
    http:
      method: GET
      url: https://production.methodfi.com/accounts/{acc_id}/transactions
    docs: List account transactions
  - info:
      name: Create an account verification session
      type: http
    http:
      method: POST
      url: https://production.methodfi.com/accounts/{acc_id}/verification_sessions
      body:
        type: json
        data: '{"type": "micro_deposits"}'
    docs: Create an account verification session
- info:
    name: Payments
    type: folder
  items:
  - info:
      name: Create a payment
      type: http
    http:
      method: POST
      url: https://production.methodfi.com/payments
      body:
        type: json
        data: '{"amount": 1000, "source": "<string>", "destination": "<string>", "description": "<string>"}'
    docs: Create a payment
  - info:
      name: List payments
      type: http
    http:
      method: GET
      url: https://production.methodfi.com/payments
    docs: List payments
  - info:
      name: Retrieve a payment
      type: http
    http:
      method: GET
      url: https://production.methodfi.com/payments/{pmt_id}
    docs: Retrieve a payment
  - info:
      name: Delete a pending payment
      type: http
    http:
      method: DELETE
      url: https://production.methodfi.com/payments/{pmt_id}
    docs: Delete a pending payment
  - info:
      name: Create a payment reversal
      type: http
    http:
      method: POST
      url: https://production.methodfi.com/payments/{pmt_id}/reversals
      body:
        type: json
        data: '{}'
    docs: Create a payment reversal
  - info:
      name: List payment reversals
      type: http
    http:
      method: GET
      url: https://production.methodfi.com/payments/{pmt_id}/reversals
    docs: List payment reversals
- info:
    name: Merchants
    type: folder
  items:
  - info:
      name: List merchants
      type: http
    http:
      method: GET
      url: https://production.methodfi.com/merchants
    docs: List merchants
  - info:
      name: Retrieve a merchant
      type: http
    http:
      method: GET
      url: https://production.methodfi.com/merchants/{mch_id}
    docs: Retrieve a merchant
- info:
    name: Connect
    type: folder
  items:
  - info:
      name: Retrieve connect results
      type: http
    http:
      method: GET
      url: https://production.methodfi.com/entities/{ent_id}/connect
    docs: Retrieve connect results
- info:
    name: Transactions
    type: folder
  items:
  - info:
      name: List account transactions
      type: http
    http:
      method: GET
      url: https://production.methodfi.com/accounts/{acc_id}/transactions
    docs: List account transactions
- info:
    name: Webhooks
    type: folder
  items:
  - info:
      name: Create a webhook
      type: http
    http:
      method: POST
      url: https://production.methodfi.com/webhooks
      body:
        type: json
        data: '{"type": "payment.update", "url": "<string>", "auth_token": "<string>"}'
    docs: Create a webhook
  - info:
      name: List webhooks
      type: http
    http:
      method: GET
      url: https://production.methodfi.com/webhooks
    docs: List webhooks
  - info:
      name: Retrieve a webhook
      type: http
    http:
      method: GET
      url: https://production.methodfi.com/webhooks/{whk_id}
    docs: Retrieve a webhook
  - info:
      name: Delete a webhook
      type: http
    http:
      method: DELETE
      url: https://production.methodfi.com/webhooks/{whk_id}
    docs: Delete a webhook