Method Financial · Schema
AccountUpdateResponse
CompanyFintechLiability DataPaymentsLendingPersonal FinanceCreditACHDebtIdentity Verification
JSON Schema
{
"$schema": "https://json-schema.org/draft/2020-12/schema",
"$id": "https://raw.githubusercontent.com/api-evangelist/methodfi/main/json-schema/methodfi-account-update-response-schema.json",
"title": "AccountUpdateResponse",
"x-generated": "2026-10-12",
"x-method": "derived",
"x-generator": "derive-json-schema.py",
"x-source": "openapi/methodfi-account-updates-api-openapi.yml#/components/schemas/AccountUpdateResponse",
"allOf": [
{
"$ref": "#/$defs/SuccessEnvelope"
},
{
"type": "object",
"properties": {
"data": {
"$ref": "#/$defs/AccountUpdate"
}
}
}
],
"$defs": {
"AccountUpdate": {
"type": "object",
"description": "An update record for an account.",
"required": [
"id",
"account_id",
"status",
"type",
"created_at",
"updated_at"
],
"properties": {
"id": {
"type": "string",
"description": "Unique identifier for the update.",
"pattern": "^upd_\\w+$"
},
"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": "#/$defs/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."
}
}
},
"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"
]
}
}
},
"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."
}
}
}
}
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