MethodFi · Authentication Profile

Methodfi Authentication

Authentication

MethodFi secures its APIs with http across 2 declared security schemes, as derived from its OpenAPI definitions.

CompanyFintechLiability DataPaymentsLendingPersonal FinanceCreditACHDebtIdentity Verification
Methods: http Schemes: 2 OAuth flows: API key in:

Security Schemes

SecretKey http
scheme: bearer · in: header ()
OpalToken http
scheme: bearer · in: header ()

Source

Authentication Profile

Raw ↑
generated: '2026-07-20'
method: searched
source: openapi/methodfi-openapi-original.yml
docs: https://docs.methodfi.com/2026-03-30/reference/authentication
summary:
  types:
  - http
  http_schemes:
  - bearer
  token_prefixes:
  - sk_    # secret key (server-side)
  - pk_    # public key (client-side / Elements)
  - otkn_  # Opal session token
  notes: |
    Method authenticates with API keys presented as HTTP Bearer tokens in the
    Authorization header. Secret keys (sk_) authorize all server-side API calls;
    public keys (pk_) are used for client-side Element/Opal requests; Opal session
    tokens (otkn_) authorize Opal session endpoints. Every request must also send a
    dated Method-Version header. Separate keys exist per environment (Development,
    Sandbox, Production), managed in the Method Dashboard. No OAuth 2.0 / OIDC.
schemes:
- name: SecretKey
  type: http
  scheme: bearer
  in: header
  header: Authorization
  format: 'Bearer sk_...'
  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.
    This is the default/global security requirement across the OpenAPI.
  sources:
  - openapi/methodfi-openapi-original.yml
- name: OpalToken
  type: http
  scheme: bearer
  in: header
  header: Authorization
  format: 'Bearer otkn_...'
  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.
  sources:
  - openapi/methodfi-openapi-original.yml
extras:
  version_header:
    name: Method-Version
    required: true
    current: '2026-03-30'
    example: '2026-03-30'
  ip_whitelisting:
    supported: true
    docs: https://docs.methodfi.com/2026-03-30/reference/ip-whitelisting
  message_level_encryption:
    supported: true
    docs: https://docs.methodfi.com/2026-03-30/reference/message-level-encryption
    jwks: true