# Synctera

## Docs

- [Performing 314(a) Searches](https://docs.synctera.com/docs/314a-searches.md): FinCEN’s 314a Program, based on Section 314(a) of the USA PATRIOT Act of 2001, requires certain financial institutions to search their records for accounts and transactions of entities that may be involved in terrorism or money laundering.
- [A check was rejected. How can we find out the rejection reason?](https://docs.synctera.com/docs/a-check-was-rejected-how-can-we-find-out-the-rejection-reason.md): In the Synctera console, open up the check transaction and on the left side there will be a banner which will state the reason for rejection.
- [Account linking ](https://docs.synctera.com/docs/account-linking-products.md): Verify account ownership, identity and account balance when funding new accounts
- [Account management](https://docs.synctera.com/docs/account-management-products.md): Our proprietary, flexible ledger serves as the operating infrastructure and single source of truth for your customer, account, and transaction data
- [Account Agreements and Disclosures](https://docs.synctera.com/docs/accountagreementsanddisclosures.md): This guide captures the requirements for account agreements and disclosures.
- [Accounts](https://docs.synctera.com/docs/accounts-for-fintechs.md): The Accounts tab of the Synctera Console allows you to view all of your customers' accounts in one place, and to search among your customers' accounts.
- [Accounts on the bank's core](https://docs.synctera.com/docs/accounts-on-the-banks-core.md): Synctera is a Sub-Ledger to the Bank and the Ledger of Record for the FinTech.
- [ACH Flow of Funds](https://docs.synctera.com/docs/ach-flow-of-funds.md): This document outlines the flow of funds in between the Sponsor Bank's accounts on the Banking Core and the FinTech's customer accounts on the Synctera Platform.
- [ACH ODFI process and procedures](https://docs.synctera.com/docs/ach-odfi-process-and-procedures.md): Synctera originates entries on behalf of the Originator (FinTech) to the Receiver's account (external account)
- [ACH Transfers - Risk and Compliance](https://docs.synctera.com/docs/ach-payments-risk-and-compliance.md): The Automated Clearing House (ACH) is a network for financial transactions in the United States that allows for the electronic movement of money between banks.
- [ACH RDFI Process and Procedures](https://docs.synctera.com/docs/ach-rdfi-process-and-procedures.md): The Synctera platform receives ACH formatted files multiple times a day from the partner Bank to process entries against the FinTech customer accounts.
- [ACH transaction disputes](https://docs.synctera.com/docs/ach-transaction-dispute-cases.md): This guide explains the ACH dispute process, how to initiate, manage and monitor until the dispute is resolved.
- [ACH/Checks/Wires/Ledger](https://docs.synctera.com/docs/achcheckswiresledger.md)
- [Achieve Risk & Compliance readiness](https://docs.synctera.com/docs/achieve-risk-compliance-readiness.md): Risk and Compliance readiness will ensure that you are prepared to launch your BaaS program on the Synctera platform.
- [Adding Sole Proprietorship](https://docs.synctera.com/docs/adding-sole-proprietorship.md): This document is intended to list the general requirements from a product and risk and compliance perspective needed to begin supporting sole proprietors in your existing Business onboarding and accounts program with Synctera.
- [Address Verification Service (AVS)](https://docs.synctera.com/docs/address-verification-service-avs.md): Address Verification Service (AVS) is a method provided by issuers to help merchants detect potential card transaction fraud, especially for card-not-present (CNP) transactions (for example, online transactions).
- [AML Cases](https://docs.synctera.com/docs/aml-cases.md)
- [An end customer has left our platform and the accounts need to be closed but there are still some funds in it. How can I proceed with the closure?](https://docs.synctera.com/docs/an-end-customer-has-left-our-platform-and-the-accounts-need-to-be-closed-but-there-are-still-some-funds-in-it-how-can-i-proceed-with-the-closure.md): The funds needs to be returned back to the end-customer and once that has been done and the account balance is zero, the account can be closed.
- [An end customer is getting an Address Verification Service (AVS) failed error. How can this be resolved?](https://docs.synctera.com/docs/an-end-customer-is-getting-an-address-verification-service-avs-failed-error-how-can-this-be-resolved.md): AVS looks at the end-customer’s street address and postal code, so the end-customer needs to be extra careful to ensure those match perfectly.
- [An end-customer is unable to add a card to their Apple/Google Wallet, what is the reasoning behind this and how can this be resolved?](https://docs.synctera.com/docs/an-end-customer-is-unable-to-add-a-card-to-their-apple-wallet-what-is-the-reasoning-behing-this-and-how-can-this-be-resolved.md): Mastercard, Apple, and/or Google can decline a customer’s ability to add their debit or credit card to their digital wallet. This occurs when the entities believe the fraud risk of the individual is higher than their threshold.
- [API Management](https://docs.synctera.com/docs/api-management.md)
- [App store submissions](https://docs.synctera.com/docs/app-stores.md): App stores are the primary means to get your app or product into the hands of your customers. Each app store has its own rules and guidelines for submission, as well as opportunities for marketing, exposure and customer engagement.
- [Appendix](https://docs.synctera.com/docs/appendix.md)
- [Are there any differences in the Plaid linking process depending on the specific bank or credit union?](https://docs.synctera.com/docs/are-there-any-differences-in-the-plaid-linking-process-depending-on-the-specific-bank-or-credit-union.md): No, unless the bank/credit union is not supported by Plaid in which Synctera will have to do the micro deposits verification.
- [Available Balance for EOD Account Balances 2023-10-25](https://docs.synctera.com/docs/available-balance-for-eod-account-balances-2023-10-25.md): We’re proud to announce an addition to the My Data product, part of Synctera Insights’ [My Data](https://insights.synctera.com/dashboard/47-my-data-preview?date=past30days) compendium.
- [Back office](https://docs.synctera.com/docs/back-office-products.md): Achieve compliance and fight money laundering
- [Bank Start Guide](https://docs.synctera.com/docs/bank-start-guide.md)
- [Bank User Guide](https://docs.synctera.com/docs/bank-user-guide.md)
- [Business Onboarding](https://docs.synctera.com/docs/business-onboarding.md): This diagram outlines the compliance requirements for a typical business DDA program as it pertains to the end user experience and development flow.
- [Can a end-customer change their shipping address after a card request has been made? If so, how? Who should be contacted?](https://docs.synctera.com/docs/can-a-end-customer-change-their-shipping-address-after-a-card-request-has-been-made-if-so-how-who-should-be-contacted.md): You can reach out to Synctera Support on your end customer's behalf. We will then contact the card provider to attempt to change the shipping address. The provider can typically make the adjustment for an additional fee, which the end-customer will have to pay. However, we cannot guarantee that an o…
- [Can accounts receive and send international USD wires?](https://docs.synctera.com/docs/can-accounts-receive-and-send-international-usd-wires.md): Some of our sponsor banks support receiving international wires, but not all. Sending international wires is not an available capability at the moment. If you'd like to know whether your account is eligible to receive international wires, please reach out to your Implentation & Onboarding manager.
- [Can an end-customer cancel a card shipment? If so, how?](https://docs.synctera.com/docs/can-an-end-customer-cancel-a-card-shipment-if-so-how.md): You can reach out to Synctera Support on the end-customer's behalf. We will then contact the card provider to attempt to cancel the shipment. The provider can typically pull the shipment for an additional fee, which the end-customer will have to pay. However, we cannot guaranteed that an order will…
- [Can an end-customer fund their card through an instant deposit with a payment app (Paypal, Venmo, etc) without declines?](https://docs.synctera.com/docs/can-an-end-customer-fund-their-card-through-an-instant-deposit-with-a-payment-app-paypal-venmo-etc-without-declines.md): Yes, an end-customer can add their card to another payment app, and initiate a push of funds to the card from that app.
- [Can an end customer's rejected application be overridden?](https://docs.synctera.com/docs/can-an-end-customers-rejected-application-be-overrriden.md): Depending on the nature of the rejected application, yes.
- [Can card orders be shipped internationally?](https://docs.synctera.com/docs/can-card-orders-be-shipped-internationally.md): Yes they can be.
- [Can cards be shipped to PO boxes?](https://docs.synctera.com/docs/can-cards-be-shipped-to-po-boxes.md): It is possible from our end, but it depends on your policy as our customer.
- [Can end customers outside of USA/Canada create accounts? If so, how?](https://docs.synctera.com/docs/can-end-customers-outside-of-usa-canada-create-accounts-if-so-how.md): As long as the end-customer has an address that is in the list of your specific supported countries and passes KYC, an account can be created and associated with them.
- [Can I customize my KYC rules?](https://docs.synctera.com/docs/can-i-customize-my-kyc-rules.md): No, you cannot customize KYC rules, without approval from your sponsor bank.
- [Can purchases settle for an amount larger than the amount that was authorized?](https://docs.synctera.com/docs/can-purchases-settle-for-an-amount-larger-than-the-amount-that-was-authorized.md): Yes, some charges (e.g. restaurant bills with tip) typically settle for a larger amount.
- [Can the end customer link multiple bank accounts via micro-deposit account verification?](https://docs.synctera.com/docs/can-the-end-customer-link-multiple-bank-accounts-via-micro-deposit-account-verification.md): Yes, as long as it is not the same bank account multiple times.
- [Can we fail a KYC case if we believe it is a fraudulent user?](https://docs.synctera.com/docs/can-we-fail-a-kyc-case-if-we-believe-it-is-a-fraudulent-user.md): If you believe that an end-user's signup is potentially fraudulent, we can either fail the user, or request additional documentation to make a determination.
- [Can we reverse an ACH?](https://docs.synctera.com/docs/can-we-reverse-an-ach.md): An individual ACH transaction can be reversed until it is sent to the network using our "Update a sent ACH transaction" endpoint
- [Managing Debit Cards](https://docs.synctera.com/docs/card-management.md): The Cards tab in the Synctera Console supports the ability to issue and manage cards.
- [Card Shipping Overview](https://docs.synctera.com/docs/card-shipping-overview.md)
- [Card transaction disputes](https://docs.synctera.com/docs/card-transaction-dispute-cases.md): Card tranactions are the most commonly disputed transactions types. This guide explains the card dispute process, how to initiate, manage and monitor until the dispute is resolved.
- [Card Transaction Lifecycles](https://docs.synctera.com/docs/card-transaction-flows.md): This document is to provide end to end maps of common card transaction lifecycles.
- [Cards](https://docs.synctera.com/docs/cards-for-fintechs.md)
- [Cards](https://docs.synctera.com/docs/cards-products.md): Provide fast and convenient access to funds
- [Cards/AFT/OCT](https://docs.synctera.com/docs/cardsaftoct.md)
- [Case Resolution Overview 2023-07-26](https://docs.synctera.com/docs/case-resolution-overview-2023-07-26.md): We’re proud to announce an addition to the My Data product, part of Synctera Insights’ [My Data](https://insights.synctera.com/dashboard/47-my-data-preview?date=past30days) compendium.
- [Cases](https://docs.synctera.com/docs/cases-for-fintechs.md)
- [Change Management](https://docs.synctera.com/docs/change-management-1.md): During the course of your product launch and after it is live, there may be a number of changes you wish to make to the product, marketing, customer base, etc.
- [Change Management Process](https://docs.synctera.com/docs/change-management-process.md): Our Change Management Process is designed to streamline the communication and approval workflow when customers wish to make alterations or updates to their applications.
- [Chargeback Response Guide for Instant Payments (AFT & OCT Transactions)](https://docs.synctera.com/docs/chargeback-response-guide-for-Instant-payments.md)
- [Customer Onboarding, Identification, and Diligence](https://docs.synctera.com/docs/cip.md): This guide captures the requirements for onboarding customers onto your platform for bank accounts.
- [Company offboarding](https://docs.synctera.com/docs/company-offboarding.md)
- [Risk & Compliance](https://docs.synctera.com/docs/compliance.md)
- [Develop Marketing Materials](https://docs.synctera.com/docs/compliance-guidance-about-marketing.md): Marketing materials must be in compliance with bank regulatory expectations. All marketing materials that mentions a banking product must be [reviewed by your Sponsor Bank](/docs/marketing-materials-cases-fintechs) before publishing. This includes email, websites, social media, press releases, and o…
- [Compliance Management System (CMS)](https://docs.synctera.com/docs/compliance-management-system-cms.md)
- [Consumer Onboarding](https://docs.synctera.com/docs/consumer-onboarding.md): This document outlines the requirements for a typical consumer DDA program.
- [Controls for cross-border card transactions](https://docs.synctera.com/docs/controls-for-cross-border-card-transactions.md): Synctera has enabled controls for cross-border card transactions
- [Custom Card Review Cases](https://docs.synctera.com/docs/custom-card-review-cases-fintechs.md): If you offer the ability for your customers to upload a picture that will be printed on their debit/credit card, these images need to be reviewed to ensure they don’t violate any [requirements](/docs/mobile-wallet-resources).
- [Customer Alert Cases](https://docs.synctera.com/docs/customer-alert-cases.md): The Customer Alert case type provides e a place to review any alerts that come up for a customer, right now specifically around the customer being added to a watchlist.
- [Customer Alert Cases](https://docs.synctera.com/docs/customer-alert-cases-fintechs.md): The Customer Alert case type provides a place to review any alerts that come up for a customer, right now specifically around the customer being added to a watchlist.
- [Customer Support, Disputes, and Complaints](https://docs.synctera.com/docs/customer-support-and-complaints.md): Because you own the customer relationship, you are responsible as a first line to any interactions with your customer.
- [Customers/Accounts](https://docs.synctera.com/docs/customersaccountspersonsbusinesses.md)
- [Device Fingerprinting](https://docs.synctera.com/docs/device-fingerprinting.md): Every interaction an end-user has with a digital application generates valuable data, offering insights into who they are and how they engage with the product.
- [Dispute Cases](https://docs.synctera.com/docs/dispute-cases.md): The Dispute Case provides a place to track customer disputes of transactions that occur.
- [Dispute Cases](https://docs.synctera.com/docs/dispute-cases-fintechs.md): Customers can dispute transactions made on their card or their account for many reasons ranging from not recognizing the transaction to fraudulent transactions by an unauthorized user.
- [Do all checks need to be reviewed & approved/declined manually after deposit?](https://docs.synctera.com/docs/do-all-checks-need-to-be-reviewed-approveddeclined-manually-after-deposit.md): Yes, all checks need to be reviewed & approved/declined after deposit.
- [Due Diligence and Matching Overview](https://docs.synctera.com/docs/due-diligence-and-matching-overview.md): Prior to partnering with you to launch a FinTech app or embedded banking product, Sponsor Banks need to conduct due diligence to understand your company's business model and the potential financial and risk impacts of the partnership. This will ensure that the Sponsor Bank can perform the oversight…
- [Enable Apple Pay and Google Pay](https://docs.synctera.com/docs/enable-apple-pay-and-google-pay.md)
- [Exhibits](https://docs.synctera.com/docs/exhibits.md): Synctera will need the following information to complete the ACH NACHA file configuration in Synctera’s system.
- [External Card Dispute Cases](https://docs.synctera.com/docs/external-card-dispute-cases.md)
- [FinTech Launch Checklist](https://docs.synctera.com/docs/fintech-launch-checklist.md): This document contains all action items that you need to complete in order to launch in Production with an internal testing group
- [Fintech Launch Guide](https://docs.synctera.com/docs/fintech-launch-guide.md)
- [Solutioning](https://docs.synctera.com/docs/fintech-solutioning.md)
- [Post-Launch FinTech Support](https://docs.synctera.com/docs/fintech-support.md): Congratulations on pushing the application into Production! This page outlines how post-launch support will look like for you and your team.
- [FinTech User Guide](https://docs.synctera.com/docs/fintech-user-guide.md)
- [Fraud](https://docs.synctera.com/docs/fraud.md)
- [Fraud cases](https://docs.synctera.com/docs/fraud-cases.md): [Synctera Fraud](/docs/payments-products#synctera-fraud) will automatically identify potentially fraudulent transactions
- [Fraud Cases](https://docs.synctera.com/docs/fraud-cases-fintechs.md): [Synctera Fraud](/docs/payments-products#synctera-fraud) will automatically identify potentially fraudulent transactions.
- [Funds flow diagram](https://docs.synctera.com/docs/funds-flow.md): A funds flow diagram shows a detailed view of how money will flow into, within, and out of Synctera’s ecosystem as your customers use your FinTech app or embedded banking product.
- [Get ready for Synctera Instant Account Funding and Push to Card ](https://docs.synctera.com/docs/get-ready-for-instant-account-funding-instant-push-to-card.md): Synctera offers *Instant Account Funding* and*Instant Push to Card* as an alternative to other funding methods in FinTechs' payment strategy.
- [Get Ready for Synctera ACH](https://docs.synctera.com/docs/get-ready-for-synctera-ach.md): The ACH file format (or NACHA file) is a text file, in which records and fields must be populated with bank-specific information.
- [Get Ready for Synctera Cases](https://docs.synctera.com/docs/get-ready-for-synctera-cases.md): Setting up assignees for case notifications
- [Get ready for Synctera Debit Card](https://docs.synctera.com/docs/get-ready-for-synctera-debit-card.md): Please see the product description here.
- [Get Ready for Synctera Line of Credit](https://docs.synctera.com/docs/get-ready-for-synctera-line-of-credit.md): To launch Synctera Line of Credit, your Synctera Implementation & Onboarding Specialist will work with you to define:
- [Get ready for Synctera Remote Check Deposit](https://docs.synctera.com/docs/get-ready-for-synctera-remote-check-deposit.md)
- [Get Ready for Synctera Transaction Files](https://docs.synctera.com/docs/get-ready-for-synctera-transaction-files.md): The Accounts Balances file is a CSV file that contains the account balances for all FinTechs accounts at the Sponsor Bank.
- [Get Ready for Synctera Wire](https://docs.synctera.com/docs/get-ready-for-synctera-wire.md): The term wire transfer refers to an electronic transfer of funds via a network that is administered by banks and transfer service agencies around the world. Fedwire is used in the US for domestic wire transfers.
- [Get to Know the Synctera Platform](https://docs.synctera.com/docs/get-to-know-the-synctera-platform.md): The Synctera platform is where Operations will manage their workload on a daily basis.
- [Compliance and Ops Support (Ground Control)](https://docs.synctera.com/docs/ground-control.md): Synctera’s Ground Control service offers operational support for compliance processes to help companies address compliance policies, procedures, and regulatory requirements.
- [Group and User Creation](https://docs.synctera.com/docs/group-and-user-creation.md)
- [How are merchant processors for merchants displayed in transactions?](https://docs.synctera.com/docs/how-are-merchant-processors-for-merchants-displayed-in-transactions.md): In the Synctera console, we display merchant processors with an astrerick as following:
- [How are micro-deposits monitored?](https://docs.synctera.com/docs/how-are-micro-deposits-monitored.md): Micro-deposits are strictly monitored by Plaid, Synctera does not handle them.
- [How can a customer pass AVS if they have different shipping and billing addresses? Does additional documentation need to be provided?](https://docs.synctera.com/docs/how-can-a-customer-pass-avs-if-they-have-different-shipping-and-billing-addresses-does-additional-documentation-need-to-be-provided.md): AVS only uses 1 address. If legal address is populated, it is used. If not, shipping address is used.
- [How can an end-customer dispute a card transaction?](https://docs.synctera.com/docs/how-can-an-end-customer-dispute-a-card-transaction.md): The end-customer should contact their issuing cards bank if they would like to dispute a card transaction.
- [How can I check the reason why an end customer was unable to make a payment?](https://docs.synctera.com/docs/how-can-i-check-the-reason-why-an-end-customer-was-unable-to-make-a-payment.md): Given a declined transaction, the reason can be found using our Transactions API.
- [How can I create a list of all of my organization's customers using specific products my business offers via Synctera?](https://docs.synctera.com/docs/how-can-i-create-a-list-of-all-of-my-organizations-customers-using-specific-products-my-business-offers-via-synctera.md): You can gather this data by using our metabase that allows you to build reports on such data:
- [How can I customize end-customer spending limits?](https://docs.synctera.com/docs/how-can-i-customize-end-customer-spending-limits.md): If you wish to customize your spending limits before launching, you should contact Synctera’s Implementation and Onboarding team. However, if you wish to change these limits post-launch, you should contact our Synctera’s Risk and Compliance team.
- [How can I find out why an application was denied? Can the end customer re-apply?](https://docs.synctera.com/docs/how-can-i-find-out-why-an-application-was-denied-can-the-end-customer-re-apply.md): If an end-customer's sign up is denied, you will find notes from the Ground Control case giving the reasoning behind the rejection. Depending on the reason, the end-customer can re-apply.
- [How can I get more information on the reasons behind a declined AFT/OCT case?](https://docs.synctera.com/docs/how-can-i-get-more-information-on-the-reasons-behind-a-declined-aftoct-case.md): Transaction declined: TabaPay returns a response on the transaction, but this response is an ERROR status caused by an unknown error
- [How can I know why an ACH transaction failed?](https://docs.synctera.com/docs/how-can-i-know-why-an-ach-transaction-failed.md): There will be a decline reason present in the Platform. Common decline reasons include but are not limited to:
- [How can we link our Operational and Reserve Accounts in the Synctera Console?](https://docs.synctera.com/docs/how-can-we-link-our-operational-and-reserve-accounts-in-the-synctera-console.md): Only users with the ability to link external accounts can complete this process.
- [How do ATMs and ATM fees work at Synctera?](https://docs.synctera.com/docs/how-do-atms-and-atm-fees-work-at-synctera.md): ATM fees are typically charged by the ATM owner/operator.
- [How do international customers provide a valid address if the merchant only allows entry of US addresses?](https://docs.synctera.com/docs/how-do-international-customers-provide-a-valid-address-if-the-merchant-only-allows-entry-of-us-addresses.md): If a merchant requires a US address and customer does not have one, they will not be able to use their card with that particular merchant.
- [How do we enable case notifications for an employee?](https://docs.synctera.com/docs/how-do-we-enable-case-notifications-for-an-employee.md): To enable case notifications for an employee:
- [How does Synctera handle end-customer errors on incoming wires?](https://docs.synctera.com/docs/how-does-synctera-handle-end-customer-errors-on-incoming-wires.md): When we receive wires that need manual intervention because a fraud alert has been raised, or an account number does not match an existing account in the system, name does not match or an incorrect transaction code has been used in the transaction (i.e BTR), we take the following steps:
- [How does the end customer ensure their check is deposited successfully?](https://docs.synctera.com/docs/how-does-the-end-customer-ensure-their-check-is-deposited-successfully.md): MRDC checks are first sent to synctera. A pending transaction will be created for this check. Our operations team then approves or declines the check. Once the check is approved, then part of the funds will become available (how much is configured per bank) and part will be held (the amount of time…
- [How does the interest payout process work when a Fintech customer requests to close their savings account?](https://docs.synctera.com/docs/how-does-the-interest-payout-process-work-when-a-fintech-customer-requests-to-close-their-savings-account.md): When an end-customer requests to close a Savings account, the account needs to be moved to IN CLOSING status (i.e if a customer wants to close an account mid month on March 15, the account is moved to IN CLOSING on March 15).
- [How long can a transaction be in pending status?](https://docs.synctera.com/docs/how-long-can-a-transaction-be-in-pending-status.md): Most pending charges disappear in around 5 days or less, though some institutions ask cardholders to allow up to 7 days to process charges.
- [How long does it take for an end customer's information (such as address) to reflect in the bank's database after modification?](https://docs.synctera.com/docs/how-long-does-it-take-for-an-end-customers-information-such-as-address-to-reflect-in-the-banks-database-after-modification.md): It is reflected instantly.
- [How to Accept Your BIN in Mastercard Connect](https://docs.synctera.com/docs/how-to-accept-your-bin-in-mastercard-connect.md): To accept the BINs, please enter the “Requests” section at the top of the screen.
- [Handling Returned Mail](https://docs.synctera.com/docs/how-to-handle-return-mail-for-cards.md): Handling Returned Mail
- [How to set up secure file delivery](https://docs.synctera.com/docs/how-to-set-up-secure-file-delivery.md)
- [How we calculate API availability](https://docs.synctera.com/docs/how-we-calculate-api-availability.md): This document describes how we calculate the API Availability.
- [I am subscribed to webhooks and have noticed that they are not always delivered in order. What is the best way to handle this?](https://docs.synctera.com/docs/i-am-subscribed-to-webhooks-and-have-noticed-that-they-are-not-always-delivered-in-order-what-is-the-best-way-to-handle-this.md): Here's a guide to get around that:
- [I would like to release a hold on a transaction for a customer, how can I do that?](https://docs.synctera.com/docs/i-would-like-to-release-a-hold-on-a-transaction-for-a-customer-how-can-i-do-that.md): You can contact Synctera Support with the reason you would like to release the hold so we can investigate to see whether it is possible.
- [Identity Verification and Monitoring Products](https://docs.synctera.com/docs/id-verification-monitoring-products.md)
- [If an end customer's account status is suspended or frozen, how can I move the funds in order to close the account?](https://docs.synctera.com/docs/if-an-end-customers-account-status-is-suspended-or-frozen-how-can-i-move-the-funds-in-order-to-close-the-account.md): In order to move the end-customer's funds, the account needs to be reverted to an unsuspended/unfrozen status. Once the funds have been returned to the end-customer, you can close the account.
- [Information Request cases](https://docs.synctera.com/docs/information-request-cases.md): The Information Request case type provides a place for you, your bank partner, and Synctera to reliably request and send information to one another within the Synctera Console.
- [Information Request cases](https://docs.synctera.com/docs/information-request-cases-fintechs.md): The Information Request case type provides a place for you, your bank partner, and Synctera to reliably request and send information to one another within the Synctera Console.
- [Insights](https://docs.synctera.com/docs/insights.md): Synctera Insights is our world-class analytics and dashboarding workbench.  You can access it directly at [insights.synctera.com](https://insights.synctera.com/) or by clicking on the Insights callout in the left navbar on [the Synctera Console](https://app.synctera.com/).
- [Insights References and Samples 2023-08-04](https://docs.synctera.com/docs/insights-references-and-samples-2023-08-04.md): We’re excited to annouce the new [References and Samples](https://insights.synctera.com/collection/476-references-and-samples) Collection in Synctera Insights
- [Instant Account Funding](https://docs.synctera.com/docs/instant-account-funding.md): Allow your customers to fund their accounts directly from their cards in real time
- [Instant Push to Card](https://docs.synctera.com/docs/instant-push-to-card.md): Allow your customers to push money from their accounts to any card in real time
- [Card Interchange](https://docs.synctera.com/docs/interchange-overview.md): Interchange (reimbursement) fees are fees paid by merchants each time they accept a card.
- [Synctera Internal accounts overview](https://docs.synctera.com/docs/internal-accounts-overview.md): This document discusses the types, purpose, and reconciliation of internal accounts on the Synctera platform.
- [International Remittance](https://docs.synctera.com/docs/international-remittance.md)
- [Invoice Details](https://docs.synctera.com/docs/invoice-details.md)
- [Is there a limit for the number of contactless transactions that can be made in a day?](https://docs.synctera.com/docs/is-there-a-limit-for-the-number-of-contactless-transactions-that-can-be-made-in-a-day.md): The number of contactless transactions that can be made fall under the same limit as the card limits.
- [Is there a way for us (the customer of Synctera) to know if a payment via direct deposit is on its way?](https://docs.synctera.com/docs/is-there-a-way-for-us-the-customer-of-synctera-to-know-if-a-payment-via-direct-deposit-is-on-its-way.md): Generally this is not possible but in some cases Payroll providers send the ACH transfer two days early, (i.e they send an ACH transfer on the Aug 29 ACH file to be executed on Aug 31)
- [Is there any way for us to know if one of our end customers have set up direct deposit?](https://docs.synctera.com/docs/is-there-any-way-for-us-the-customer-of-synctera-to-know-if-one-of-our-end-customers-have-set-up-direct-deposit.md): Unfortunately, there is no way to verify this. The end-customer usually needs to provide a Direct Deposit form to their employer, Government or Payroll provider with the account information to process the deposit.
- [Is there any way to stop a pending transaction from processing?](https://docs.synctera.com/docs/is-there-any-way-to-stop-a-pending-transaction-from-processing.md): There is not, a pending transaction needs to get posted first and the can be reversed after if funds are to be returned or the transaction can just expire natually.
- [Issuer 3DS Card Authentication](https://docs.synctera.com/docs/issuer-3ds-card-authentication.md): 3DS authentication is a security protocol backed by the major payment card schemes that adds a layer of security for online/e-commerce card transactions, protecting against fraudulent actors.
- [KYB cases](https://docs.synctera.com/docs/kyb-cases.md): The KYB (Know Your Business) case type provides a place for you to review the KYB outcome for any business customers that are not automatically accepted by your KYB system.
- [KYB cases](https://docs.synctera.com/docs/kyb-cases-fintechs.md): The KYB case allows you to assess the KYB outcome for business customers who are not automatically accepted.
- [KYC cases](https://docs.synctera.com/docs/kyc-cases.md): The KYC (Know Your Customer) case type provides a place for you to review the KYC outcome for any customers that are not automatically accepted by your KYC system.
- [KYC Cases](https://docs.synctera.com/docs/kyc-cases-fintechs.md): The KYC case allows you to assess the KYC outcome for customers who are not automatically accepted.
- [KYC/KYB](https://docs.synctera.com/docs/kyckyb.md)
- [Launch Cards with Synctera](https://docs.synctera.com/docs/launch-cards-with-synctera.md)
- [Launch Cards](https://docs.synctera.com/docs/launch-debit-cards.md)
- [Launch SyncteraPay](https://docs.synctera.com/docs/launch-syncterapay.md)
- [Synctera Learning Center](https://docs.synctera.com/docs/learning-center.md): In-depth information about Synctera
- [Level 2 & Level 3 Data](https://docs.synctera.com/docs/level-2-level-3-data.md): Level 1/Level 2/Level 3 (L1/L2/L3) represents the levels of data provided on a payment card transaction - the higher the number, the more information is provided about the transaction.
- [Limit Control](https://docs.synctera.com/docs/limit-control.md)
- [Limit Control cases](https://docs.synctera.com/docs/limit-control-cases.md): You can set notifications alerts when you create the limit. For example the Bank can set up case notifications at 20% , 70% and 90% utilization.
- [Managing Synctera ACH](https://docs.synctera.com/docs/managing-ach-banks.md)
- [Managing Synctera Debit Card](https://docs.synctera.com/docs/managing-debit-card-banks.md): Once the FinTech has started issuing Synctera Debit Cards to their customers, and customers have started to transact with their cards, the FinTech, *you* as the Sponsor Bank and Synctera will work together to keep the program rolling.
- [Managing Synctera Line of Credit](https://docs.synctera.com/docs/managing-line-of-credit-banks.md): Please see product description [here](/docs/lending-products-banks#synctera-line-of-credit).
- [Managing Synctera MRDC](https://docs.synctera.com/docs/managing-synctera-mrdc.md): Once the FinTech's end-users begin depositing checks via MRDC, the FinTech, the Sponsor Bank, and Synctera will work together to keep the program running.
- [Marketing](https://docs.synctera.com/docs/marketing.md): There are several guidelines to marketing your financial products prior to launching. These include topics such as how and when to reference your Sponsor Bank partner, how to address FDIC insurance, how to characterize your Company, and how to advertise rates such as APR and APY.
- [Marketing Materials cases](https://docs.synctera.com/docs/marketing-materials-cases-fintechs.md): The back-and-forth process for getting marketing approvals is often something that occurs over email or external channels, resulting in challenges when it comes to maintaining an audit trail or ensuring all the proper channels have been engaged.
- [Marketing Materials Reviews](https://docs.synctera.com/docs/marketing-materials-reviews-banks.md): The back-and-forth process for getting marketing approvals is often something that occurs over email or external channels, resulting in challenges when it comes to maintaining an audit trail or ensuring all the proper channels have been engaged.
- [Mastercard Passthrough Fees](https://docs.synctera.com/docs/mastercard-passthrough-fees.md): Mastercard bills the payment card issuer (i.e. your BIN sponsor bank) for different fees related to their products and services
- [Mastercard Pricing & Fees](https://docs.synctera.com/docs/mastercard-pricing-fees.md)
- [Physical Card Art & Collateral](https://docs.synctera.com/docs/mobile-wallet-resources.md): Synctera allows you to easily issue cards that make your brand stand out.
- [My end-customer's account status is Active, so why can't I send internal transfers to their Account?](https://docs.synctera.com/docs/my-end-customers-account-status-is-active-so-why-cant-i-send-internal-transfers-to-their-account.md): If your end-customer's Account status is "Active", check to make sure that their Customer status is also "Active". Customer status overrides Account status.
- [NOC case correction](https://docs.synctera.com/docs/noc-case-correction.md): We get NOC from external financial institutions when the account details need to be changed (routing number / account number / account type etc). We create these NOC cases now which someone needs to act on (update the account with right information that we get from NOC and close the case). And based…
- [Onboarding a FinTech](https://docs.synctera.com/docs/onboarding-a-fintech.md): Synctera nurtures qualified FTBs to define program solution, economic terms, and desired launch timing.
- [Account Opening at the Sponsor Bank](https://docs.synctera.com/docs/opening-an-account-at-the-sponsor-bank.md): In order to golive with your Sponsor Bank partner, the FinTech will need to open accounts at the Sponsor Bank.
- [Overview](https://docs.synctera.com/docs/overview.md): The main interface for the t-10 environment is called the t-10 Workspace.
- [Payments](https://docs.synctera.com/docs/payments.md)
- [Payments](https://docs.synctera.com/docs/payments-products.md): Simple, reliable money movement
- [Permissions](https://docs.synctera.com/docs/permissions.md)
- [Platform features](https://docs.synctera.com/docs/platform-features-fintechs.md): To prevent fraud, Synctera supports the ability to ban identities on our platform. If an identity has been confirmed to be associated with fraud, Synctera Console users can choose to ban that identity with enforcement based on tenant access.
- [Platform Reporting and Metrics](https://docs.synctera.com/docs/platform-reporting-and-metrics.md)
- [Post-Launch Support](https://docs.synctera.com/docs/post-launch-support.md)
- [Pre-Launch Task Guide](https://docs.synctera.com/docs/pre-launch-task-guide.md)
- [Product-Specific Launch Guides](https://docs.synctera.com/docs/product-specific-launch-guides.md)
- [Products and Platform](https://docs.synctera.com/docs/products-fintechs.md)
- [Professional Services](https://docs.synctera.com/docs/professional-services-fintechs.md): An expert team to design and build your FinTech app or embedded banking product
- [Promotions or Bonus Programs](https://docs.synctera.com/docs/promotions-or-bonus-programs.md): Structuring a promotions or bonus program requires striking a balance between attracting and rewarding customers and adhering to legal, ethical, and operational considerations.
- [Quarterly Mastercard Reporting (QMR)](https://docs.synctera.com/docs/quarterly-mastercard-reporting-qmr.md): The QMR (Quarterly Mastercard Report) must be submitted after the end of a quarter, by the 15th of the following month (or earlier business day if the 15th is on a weekend/holiday) i.e. if the quarter ended Dec 2022, the next QMR report is due Fri. Jan 13th, 2023 (since the 15th is a weekend).
- [Fraud Risks and Scenarios](https://docs.synctera.com/docs/rc-implementation-fraud-strategy.md): Below are some common fraud risks that you may face as a company.
- [Operational Resilience](https://docs.synctera.com/docs/rc-implementation-operational-resilience.md): As soon as possible, but at least prior to access to the production API key, it is required for the Company to gather fully executed insurance and to provide a copy of the policy limits via a Certificate of Insurance (COI).
- [Security](https://docs.synctera.com/docs/rc-implementation-security.md): Ensuring strict, yet agile processes for releasing code, building safe and secure applications and interfaces, and having restricted and limited access to production environments, helps to reduce the likelihood of compromising consumer data and sensitive information.
- [Performing Reconciliation](https://docs.synctera.com/docs/reconciliation-banks.md): In order to close the books successfully, Sponsor Banks and Synctera will need to go through an End of Day process that syncs the subledger and the FBO FinTech accounts on a daily basis.
- [Reconciliation](https://docs.synctera.com/docs/reconciliations-for-fintechs.md): When your customers begin conducting live transactions, it is important that all of the systems involved in the transaction are recording the same data.
- [Register for Mastercard Connect](https://docs.synctera.com/docs/register-for-mastercard-connect.md): As a Principal Member of Mastercard, you must register for [Mastercard Connect (MC Connect)](https://www.mastercardconnect.com/-/sign-in), Mastercard's online portal that provides you with access to Mastercard applications, reports, publications, and documentation.
- [Risks & Controls](https://docs.synctera.com/docs/risks-controls.md)
- [Run KYB on Your Company/Organization](https://docs.synctera.com/docs/run-kyb-on-you-company-or-organization.md): In order to test your app with real money, with a real bank, in the t-minus10 live-testing environment or in production, you're company will need to pass KYB. Here's an easy guide to run KYB on your company or organization to take you to the next step!
- [Secure File Delivery](https://docs.synctera.com/docs/secure-file-delivery.md): This page describes the Secure File Delivery service at Synctera that is meant to delivery key operational and analytical datasets to partners over SFTP using PGP-encrypted files.
- [Set Up Case Management](https://docs.synctera.com/docs/set-up-case-management.md): Setting up assignees for case notifications
- [SmartCards (Secured)](https://docs.synctera.com/docs/smartcards-secured.md): This document outlines the step by step process flow of getting a secured smartcard in the hands of your customers, including compliance requirements for onboarding, application, account creation and funding, and card issuance.
- [Spend Monitoring](https://docs.synctera.com/docs/spend-monitoring.md): Synctera Spend Controls provide you with a way to control spend on **account-level** through creation of rules that monitor the flow of funds to or from the account.
- [Spend Monitoring cases](https://docs.synctera.com/docs/spend-monitoring-cases.md): The Spend Monitoring case type provides a place to review Spend Monitoring alerts based on rules set through the [Synctera Spend Control functionality](/docs/spend-monitoring).
- [Sweep daily files](https://docs.synctera.com/docs/sweep-daily-files.md): money movements in the bank system and the Synctera ledger.
- [Using Synctera Cases](https://docs.synctera.com/docs/synctera-cases-for-banks.md)
- [Synctera Console](https://docs.synctera.com/docs/synctera-console.md)
- [Synctera for FinTechs](https://docs.synctera.com/docs/synctera-for-builders-and-fintechs.md): Want to bring a new financial product to market? Whether you’re looking to prototype, release an MVP, or bring a new service to your existing customer base, Synctera has the platform, experiences, and programs to help you build and launch a financial product fast, and scale it over the long term.
- [A Comprehensive Guide to Rules Change Management with Synctera](https://docs.synctera.com/docs/synctera-fraud-rules-strategy-process.md): Welcome to Rules Strategy with Synctera. The purpose of this document is to provide the rules change management process throughout the lifecycle of your program.
- [Synctera Insights Frequently Asked Questions (FAQ)](https://docs.synctera.com/docs/synctera-insights-frequently-asked-questions-faq.md): if you have any questions not in here, please reach out. This document is a work-in-progress, prompted by questions from our customers, inside and outside the company.
- [General Info](https://docs.synctera.com/docs/synctera-platform.md): The Synctera platform is a comprehensive set of cloud-based financial services that brings three types of businesses together:
- [Synctera Platform Agreement](https://docs.synctera.com/docs/synctera-platform-agreement.md)
- [Synctera Support](https://docs.synctera.com/docs/synctera-support.md)
- [SyncteraPay Overview](https://docs.synctera.com/docs/syncterapay-overview.md): Many of our FinTechs have existing relationships with Third Party payments providers. For example, more mature FinTechs that already have a relationship with TransferWise for international transfers or with Stripe for push to card, ect… and these fintechs would like to use their Synctera accounts an…
- [SyncteraPay Procedures](https://docs.synctera.com/docs/syncterapay-procedures.md): Synctera facilitates the transaction entry creation to the FinTech end customer account via the SyncteraPay API
- [T-Minus10 Live Testing Environment](https://docs.synctera.com/docs/t-minus10.md): A live testing environment: Test your app with real money, with a real bank, in the t-minus10 live testing environment. Issue cards, create accounts, mimic flow of funds in a production environment, and more. When you’re ready to launch, flip to production without changing a thing.
- [T-Minus10 Privacy Policy](https://docs.synctera.com/docs/t-minus10-privacy-policy.md)
- [T-Minus10 Program Agreement](https://docs.synctera.com/docs/t-minus10-program-agreement.md)
- [T-Minus10 Program Agreement Cardholder Terms](https://docs.synctera.com/docs/t-minus10-program-agreement-cardholder-terms.md)
- [Testing and Certification](https://docs.synctera.com/docs/testing-and-certification.md): Testing and certification are essential for FinTech implementations for several reasons:
- [The contactless feature on an end-customers card is not working, how can this be resolved?](https://docs.synctera.com/docs/the-contactless-feature-on-an-end-customers-card-is-not-working-how-can-this-be-resolved.md): If the end-customer has tried the card at multiple different POS terminals and the contactless feature is still not working. They can try inserting the card or using the magnetic strip to make purchases.
- [The end customer initiated a same day ACH. Why hasn't it been posted in the account?](https://docs.synctera.com/docs/the-end-customer-initiated-a-same-day-ach-why-hasnt-it-been-posted-in-the-account.md): Same-day ACH payments will only settle the same business day if they were submitted before the “cutoff time” (4:45pm ET). If a same-day ACH is originated after the daily cutoff time, it will be sent as a same-day ACH the following business day.
- [Transaction Status](https://docs.synctera.com/docs/transaction-status.md)
- [Transactions for FinTechs](https://docs.synctera.com/docs/transactions-for-fintechs.md): The Transactions tab of the Synctera Console allows you to view all of your customers' transactions in one place, and to search among your customers' transactions.
- [Use of External KYC Vendors](https://docs.synctera.com/docs/use-of-external-kyc-vendors.md): Synctera is connected with specific KYC vendors to conduct identity verification, watchlist monitoring, and OFAC screening.
- [Overview](https://docs.synctera.com/docs/user-management-overview.md): Users are people who can log into the Synctera Console. Users' access to different parts of the Synctera Console is controlled by their group membership and role assignment.
- [Set up a Waitlist](https://docs.synctera.com/docs/waitlists.md): Waitlists are a simple and straightforward way to validate your idea or value proposition. It can be a powerful signal on how much potential your FinTech idea has.
- [Watchlist Match cases](https://docs.synctera.com/docs/watchlist-match-cases.md): The Watchlist Match case type provides a place to review any counterparties on transactions that are found to be on a watchlist when performing the transaction.
- [Watchlist Match cases](https://docs.synctera.com/docs/watchlist-match-cases-fintechs.md): The Watchlist Match case type provides a place to review any counterparties on transactions that are found to be on a watchlist when performing the transaction.
- [We have a few inactive end-customers who would like their accounts closed, what is the process to close their accounts?](https://docs.synctera.com/docs/we-have-a-few-inactive-end-customers-who-would-like-their-accounts-closed-what-is-the-process-to-close-their-accounts.md): In order to close an account successfully, you must ensure that the account balance is 0 dollars.
- [We have new employees joining, how do we give them access to the Synctera Console?](https://docs.synctera.com/docs/we-have-new-employees-joining-how-do-we-give-them-access-to-the-synctera-console.md): You should have an admin set-up internally within your team and that admin will have the ability to grant and change access for all members of your team.
- [We know that direct deposit is a type of ACH. Is there any benefit or difference between setting up direct deposit vs the payer executing an ACH push?](https://docs.synctera.com/docs/we-know-that-direct-deposit-is-a-type-of-ach-is-there-any-benefit-or-difference-between-setting-up-direct-deposit-vs-the-payer-executing-an-ach-push-ie-time-for-payment-to-arrive-costs-etc.md): There is essentially no benefit to you. The benefit is for the end-customer or the payroll provider, by having a direct deposit agreement they are allowed to send recurring credits to the same account with customer authorization.
- [What are the common reasons why an end customer might be mistakenly flagged as fraudulent?](https://docs.synctera.com/docs/what-are-the-common-reasons-why-an-end-customer-might-be-mistakenly-flagged-as-fraudulent.md): Transactions sometimes trigger a false positive if the end-customer attempts multiple transactions in a short period of time or spends outside of their normal activity (i.e. high dollar transactions, unusual merchants, high risk merchants, etc.).
- [What are the cutoff times for same-day ACH?](https://docs.synctera.com/docs/what-are-the-cutoff-times-for-same-day-ach.md): You can see the cutoff times for same-day ACH in our guide here:
- [What are the different types of statuses for an ACH transaction on the Synctera platform, and how do they relate to the transaction and the network?](https://docs.synctera.com/docs/what-are-the-different-types-of-statuses-for-an-ach-transaction-on-the-synctera-platform-and-how-do-they-relate-to-the-transaction-and-the-network.md): There are two types of statuses regarding an ACH transaction: The **transaction status** and the **network status**. Both of these statuses are reflected in the Platform Transaction view.
- [What are the possible account statuses and what do they mean?](https://docs.synctera.com/docs/what-are-the-possible-account-statuses-and-what-do-they-mean.md)
- [What are the possible errors I might get when attempting to issue a card for an end-customer?](https://docs.synctera.com/docs/what-are-the-possible-errors-i-might-get-when-attempting-to-issue-a-card-for-an-end-customer.md): There are myriad of reasons. The list is always subject to change.
- [What are the processing times for ACH files?](https://docs.synctera.com/docs/what-are-the-processing-times-for-ach-files.md): ACH files are sent during ACH Exchange Windows (https://www.frbservices.org/resources/resource-centers/same-day-ach/fedach-processing-schedule.html).
- [What are the validations/verifications that checks are subjected to before they are approved?](https://docs.synctera.com/docs/what-are-the-validationsverifications-that-checks-are-subjected-to-before-they-are-approved.md): The check standards are as follows :
- [What can cause an end customer account to go negative?](https://docs.synctera.com/docs/what-can-cause-an-end-customer-account-to-go-negative.md): A force-post or charges that settle for a higher amount than authorized (e.g restaurant bills with a tip) can cause an account to go negative.
- [What formats are accepted for check deposits?](https://docs.synctera.com/docs/what-formats-are-accepted-for-check-deposits.md): PNG, JPEG, and TIFF formats are supported.
- [What happens if an end customer's account goes into a negative balance and how does Synctera handle such situations?](https://docs.synctera.com/docs/what-happens-if-an-end-customers-account-goes-into-a-negative-balance-and-how-does-synctera-handle-such-situations.md): When an account goes into a negative balance this can be due to few typical use cases.
- [What information is required for an end customer to allow their employer to enable/authorize direct deposit?](https://docs.synctera.com/docs/what-information-is-required-for-an-end-customer-to-allow-their-employer-to-enableauthorize-direct-deposit.md): The end-customer needs to obtain a direct deposit form from your corresponding sponsor bank and send it to the employer. The direct deposit form must include:
- [What is a contactless card?](https://docs.synctera.com/docs/what-is-a-contactless-card.md): A contactless is any card that has the "Tap feature" enabled, allowing you to make purchases by simply tapping the card at the card terminal.
- [What is the difference between an authorization and pre-authorization? And what are their hold times?](https://docs.synctera.com/docs/what-is-the-difference-between-an-authorization-and-pre-authorization-and-what-are-their-hold-times.md): A pre-authorization is typically used to reserve funds with a reasonable estimate of how much will be cleared. An authorization is when the amount is known.
- [What is the full list of information to include for each KYC case type?](https://docs.synctera.com/docs/what-is-the-full-list-of-information-to-include-for-each-kyc-case-type.md): Full legal name as it appears on government documents (no nicknames, include all last names if you have multiple, etc.)
- [What is the process to reverse a card transaction that has already been created?](https://docs.synctera.com/docs/what-is-the-process-to-reverse-a-card-transaction-that-has-already-been-created.md): A posted transaction should be negated by either refunds by the merchant (end-customer takes it up with the merchant) or through a dispute.
- [What should I do if an end-customer has not received their card shipment in the expected timeframe?](https://docs.synctera.com/docs/what-should-i-do-if-an-end-customer-has-not-received-their-card-shipment-in-the-expected-timeframe.md): We encourage you to pass the tracking number onto the end-customer so they can track where the package is. If there is an issue with delivery, you can reach out to Synctera support and we can follow-up with our partner, Arroweye, to check for any updates.
- [What should I do if an end-customer uploads incorrect external card information to the platform, and Tabapay declines eligibility for AFT/OCT?](https://docs.synctera.com/docs/what-should-i-do-if-an-end-customer-uploads-incorrect-external-card-information-to-the-platform-and-tabapay-declines-eligibility-for-aftoct.md): You can delete the card and recreate it with correct info.
- [What should I do if I find out that an end customer couldn't complete a payment because he was flagged for fraudulent behaviour?](https://docs.synctera.com/docs/what-should-i-do-if-i-find-out-that-an-end-customer-couldnt-complete-a-payment-because-he-was-flagged-for-fraudolent-behaviour.md): If an end-customer cannot make a payment, it could be for a number of reasons.
- [What should we do if our end-customer reports that our routing number is not recognized by a third party?](https://docs.synctera.com/docs/what-should-we-do-if-our-end-customer-reports-that-our-routing-number-is-not-recognized-by-a-third-party.md): If a financial institution fails to acknowledge a routing number, it is most likely due to their validation system not utilizing the most recent edition of the Federal Reserve's bank routing directory. The instituion will need to update their records in such cases.
- [When an end customer's account is frozen/suspended, does that automatically freeze his/her card?](https://docs.synctera.com/docs/when-an-end-customers-account-is-frozensuspended-does-that-automatically-freeze-hisher-card.md): It does not auto-suspend the card, but part of authorizing a transaction requires that the end-customer and account be in good standing. You should suspend cards when you wish to fully block all authorizations.
- [When an end customer's customer status is frozen, does that automatically freeze their accounts?](https://docs.synctera.com/docs/when-an-end-customers-customer-status-is-frozen-does-that-automatically-freeze-their-accounts.md): Through the UI, if you freeze an end-customer, their accounts will also be frozen. Using the API you must make separate API calls to freeze the end-customer and each account.
- [When should I submit a Zendesk ticket vs. a Case for Support?](https://docs.synctera.com/docs/when-should-i-submit-a-zendesk-ticket-vs-a-case-for-support.md)
- [Which types of transactions are subject to holds and how long do the holds last?](https://docs.synctera.com/docs/which-types-of-transactions-are-subject-to-holds-and-how-long-do-the-holds-last.md): Outgoing debit ACHs have a 2 day hold on the funds that have been added to the account on Synctera's platform.
- [Why do ACH files get sent out sometimes even when the account has been frozen and the transaction is still in pending status?](https://docs.synctera.com/docs/why-do-ach-files-get-sent-out-sometimes-even-when-the-account-has-been-frozen-and-the-transaction-is-still-pending-status.md): If the file has been sent to the network we are not able to then revoke it - in this case a return has to be issued. If the account is frozen prior to the file being sent out, then the transaction can be canceled, but if after, it would have to be handled as a return.If the file has been sent to the…
- [Why do I sometimes not see a network status on ACH transactions?](https://docs.synctera.com/docs/why-do-i-sometimes-not-see-a-network-status-on-ach-transactions.md): For Incoming Credits/Debits, a network status will not be trackable. This is because Synctera is not the originator of the transaction so we do not have visibility into the status as it pertains to the file’s state in the network.
- [Why was our wire returned?](https://docs.synctera.com/docs/why-was-our-wire-returned.md): You can view the reason for why the wire was returned in the Synctera console under the specific wire transaction. There will a banner on the left side that will state the reason.
- [Why would an end customer's account balance be different than the available balance?](https://docs.synctera.com/docs/why-would-an-end-customers-account-balance-be-different-than-the-available-balance.md): Account Balance is impacted only by posted transactions, but Available Balance is also impacted by pending transactions. Until a hold is fully posted, only the Available Balance is decreased by the amount of the hold. The Available Balance and the Account Balance can both be negative.
- [Wire Transfers - Risk and Compliance](https://docs.synctera.com/docs/wire-transfers-risk-and-compliance.md): Wire transfers allows for the electronic movement of money between banks, both domestically and internationally.
- [Working with FinTech Partners](https://docs.synctera.com/docs/working-with-fintech-parnters.md): Synctera will work with the Sponsor Bank to understand its key goals as it pertains to its BaaS program and FinTech partnerships.
- [Home](https://docs.synctera.com/home.md)
- [ACH Payments](https://docs.synctera.com/v2/docs/ach-guide.md): If you’re building a service that will enable your customers to send and accept payments, issue cards, or transfer money between accounts at different institutions, chances are you’ll need ACH. ACH is a one-stop shop for a variety of payment use cases.
- [Adverse Actions](https://docs.synctera.com/v2/docs/adverse-actions-guide.md): In the complex landscape of financial services, adherence to regulatory requirements is not merely a formality but an imperative for transparent and ethical operations.
- [Applications](https://docs.synctera.com/v2/docs/applications-guide.md): The Application API is used to collect applicants' data. As FinTech processes the application, they update the content and status of the application.
- [Balance Floor and Ceiling and Linked Accounts](https://docs.synctera.com/v2/docs/balance-floor-ceiling.md): Accounts can have a minimum and maximum balance, referred to as the balance floor and balance ceiling. These attributes can be used to implement a number of features, including pool accounts.
- [Bulk Card Orders](https://docs.synctera.com/v2/docs/bulk-card-orders.md): The Synctera platform supports the issuance of cards in bulk and can be configured for automatic daily fulfillment or fulfillment at your request.
- [Business Expense Cards](https://docs.synctera.com/v2/docs/business-card.md): This guide will show how to set up business expense cards in Synctera's platform.
- [Card Issuer 3DS](https://docs.synctera.com/v2/docs/card-3ds.md): "Three Domain Secure" (3DS) is a protocol designed to be an additional security layer for credit and debit card transactions when there is no physical card present, such as in online purchases.
- [Card Activation Widget (Deprecated)](https://docs.synctera.com/v2/docs/card-activation-widget-legacy.md): Using this widget you can add card activation to your website. It requires a Synctera widget vault token to initialize it with. The user will have 5 minutes to complete the activation submission.
- [Card Transaction Disputes](https://docs.synctera.com/v2/docs/card-transaction-disputes.md): In order to manage the card dispute process, the Synctera API provides support for the required tasks such as submitting a dispute to the network, uploading supporting documentation and retrieving information from the card network.
- [Card Transactions](https://docs.synctera.com/v2/docs/card-transactions.md): A card transaction is defined as a transaction that occurs on a customer issued card.
- [Card Widgets](https://docs.synctera.com/v2/docs/card-widgets.md): With the Card Widgets, your customers can view and interact with sensitive card information inside the application.
- [Activate Card Widget](https://docs.synctera.com/v2/docs/card-widgets-activate.md): Allow your customers to activate their physical card by entering the card number and security code.
- [Legacy: Marqeta Widgets](https://docs.synctera.com/v2/docs/card-widgets-legacy.md): Documentation for the deprecated Marqeta widget integrations.
- [Marqeta Widgets (Deprecated)](https://docs.synctera.com/v2/docs/card-widgets-legacy-marqeta.md): Legacy documentation for Marqeta.js widget integrations.
- [Migration Guide: Marqeta to Synctera](https://docs.synctera.com/v2/docs/card-widgets-legacy-migration.md): Step-by-step guide to migrate from Marqeta widgets to Synctera widgets.
- [Reveal Card Widget](https://docs.synctera.com/v2/docs/card-widgets-reveal.md): Securely display sensitive card information (card number, security code, expiration) directly in your application.
- [Set PIN Widget](https://docs.synctera.com/v2/docs/card-widgets-set-pin.md): Allow your customers to set or change their card PIN with secure confirmation.
- [Widget Theming & Design Tokens](https://docs.synctera.com/v2/docs/card-widgets-theming.md): Customize widget appearance with design tokens — colors, fonts, border radius, and more — using the styles JSON attribute.
- [Charge Secured Statements](https://docs.synctera.com/v2/docs/charge-secured-statements-guide.md): Synctera APIs provide all the raw data necessary to create a periodic account statement. The contents of a charge secured account statement may be governed by various regulations, therefore it is essential to add the necessary fields when creating a periodic statement. Please consult with your compl…
- [Checking and Saving accounts](https://docs.synctera.com/v2/docs/checking-savings-accounts-guide.md)
- [Checkings and Savings Statements](https://docs.synctera.com/v2/docs/checking-savings-statements-guide.md): Synctera APIs provide all the raw data necessary to create a periodic account statement. The contents of a deposit account statement may be governed by various regulations, therefore it is essential to add the necessary fields when creating a periodic statement. Please consult with your compliance o…
- [Create A Business Customer](https://docs.synctera.com/v2/docs/create-a-business.md): On the Synctera platform, the business resource represents an organization that can be an account holder or the owner of another business.
- [Create A Personal Customer](https://docs.synctera.com/v2/docs/create-a-personal-customer.md): In the Synctera platform, a person represents a natural person, including account holders, beneficial owners of a business and authorized signers. A person can hold multiple of these roles at the same time.
- [Accounts](https://docs.synctera.com/v2/docs/create-accounts-guide.md): In the Synctera platform, an account represents a bank account of your business or personal customer. This guide explains how to create and use accounts.
- [MRDC](https://docs.synctera.com/v2/docs/create-mobile-deposit-guide.md): MRDC - Mobile Remote Deposit Capture is a process that allows users to deposit checks into their accounts without having to go to a branch or ATM.
- [Credit Applications](https://docs.synctera.com/v2/docs/credit-applications-guide.md): The Application API is used to collect applicants' data used for the credit application decision process.
- [Credit Scores](https://docs.synctera.com/v2/docs/credit-scores-guide.md): Accurate recording of when a credit score is pulled and utilized for credit decisions is paramount, particularly in the context of credit applications.
- [Custom Cards](https://docs.synctera.com/v2/docs/custom-card-images.md): Synctera offers the ability to create physical cards with custom images, such as customers' personal photos.
- [Customer Journey](https://docs.synctera.com/v2/docs/customer-journey.md): Most Synctera APIs act on resources whose IDs are specified in requests.
- [Developer Setup](https://docs.synctera.com/v2/docs/dev-setup.md)
- [Digital Wallets](https://docs.synctera.com/v2/docs/digital-wallets.md): Through Synctera, you can offer your end customers the ability to add cards to their digital wallet, such as Apple Pay or Google Wallet.
- [Document Storage](https://docs.synctera.com/v2/docs/document-storage-guide.md): Synctera provides a simple document storage service for you.
- [Document Verification](https://docs.synctera.com/v2/docs/document-verification.md): In addition to providing identity verification and watchlist monitoring Synctera's verification solution includes document verification. In this guide, we'll dive into use cases and the document verification flow for your customers.
- [Domestic Wires](https://docs.synctera.com/v2/docs/domestic-wires.md): Domestic wires refer to the transfer of funds between 2 US based accounts.
- [Enhanced Due Diligence](https://docs.synctera.com/v2/docs/enhanced-due-diligence-guide.md): Enhanced due diligence (EDD) is a process that financial institutions use to check and monitor high-risk customers and unusual transactions for potential money laundering activities. The process for this varies depending on the scenarios and requires different types of information to be submitted fo…
- [External Accounts](https://docs.synctera.com/v2/docs/external-accounts-guide.md): External Accounts represent user accounts at other financial institutions, such as checking, savings or credit cards. In order to have access to any of these accounts it is necessary to verify ownership.
- [External Cards](https://docs.synctera.com/v2/docs/external-cards.md)
- [External Vendor KYC/KYB Verification](https://docs.synctera.com/v2/docs/external-vendor-kyc-kyb-verification.md): This document outlines how to use external know your customer (KYC) and know your business (KYB) vendors with the Synctera platform.
- [Fees and Rewards (Beta)](https://docs.synctera.com/v2/docs/fees-and-rewards.md): Fees and Rewards are a mechanism for debiting and crediting customer accounts based on your service charges and rewards programs. Templates are used to specify the type of fee or reward, and to set default values, e.g. an amount or description. Designed for flexibility, you can choose which internal…
- [Get Started](https://docs.synctera.com/v2/docs/get-started.md): Most Synctera APIs act on resources whose IDs are specified in requests. These resources must exist. This means there is a sequence to calling the APIs to get from a clean slate to a successful transaction.
- [In-Store Cash Deposits](https://docs.synctera.com/v2/docs/in-store-cash-deposits.md): Enable customers to deposit physical cash at retail locations using barcodes through InComm's VanillaDirect solution.
- [Apple Pay](https://docs.synctera.com/v2/docs/instant-account-funding-apple-pay.md)
- [Google Pay](https://docs.synctera.com/v2/docs/instant-account-funding-google-pay.md)
- [Card-On-File](https://docs.synctera.com/v2/docs/instant-payments-card-on-file.md)
- [Interest](https://docs.synctera.com/v2/docs/interest-guide.md): Interest accruing accounts are configured using the `interest_product_id` set on the account or account template.
- [Internal Transfers](https://docs.synctera.com/v2/docs/internal-transfer-guide.md): The [Internal Transfer API](/v2/reference/createinternaltransfer) allows you to transfer funds between two Synctera accounts, in real-time.
- [KYC/KYB Verification](https://docs.synctera.com/v2/docs/kyc-kyb-verification.md): US banking regulations require banks and other financial institutions to collect and verify information about the customers they do business with.
- [Line of Credit accounts](https://docs.synctera.com/v2/docs/line-of-credit-accounts-guide.md)
- [Line of Credit Statements](https://docs.synctera.com/v2/docs/line-of-credit-statements-guide.md): Synctera APIs provide all the raw data necessary to create a periodic account statement. The contents of a line of credit account statement may be governed by various regulations, therefore it is essential to add the necessary fields when creating a periodic statement. Please consult with your compl…
- [Link External Cards](https://docs.synctera.com/v2/docs/link-external-cards.md)
- [Ongoing Monitoring](https://docs.synctera.com/v2/docs/monitoring-guide.md): In addition to the Customer Identification Program (CIP) requirements discussed in the [KYC guide](/v2/docs/kyc-kyb-verification) financial service providers are required to conduct ongoing monitoring of their customers.
- [Offline PIN](https://docs.synctera.com/v2/docs/offline-pin.md)
- [Payment Schedules](https://docs.synctera.com/v2/docs/payment-schedules.md): Customers may want to set up scheduled payments for their mortgage or to move money into savings.
- [Personal Cards](https://docs.synctera.com/v2/docs/personal-cards.md): Cards are an important part of many FinTechs’ business with their customers.
- [Plaid Core Exchange](https://docs.synctera.com/v2/docs/plaid-exchange-guide.md)
- [Synctera Platform](https://docs.synctera.com/v2/docs/platform-overview.md): You’re a developer about to integrate the Synctera platform with your application.
- [Record Disclosure Acceptance](https://docs.synctera.com/v2/docs/record-disclosure-acceptance.md): An important requirement when onboarding new customers is telling them about laws and regulations that affect them: that is, you must *disclose* that regulatory information.
- [Sandbox External Account Test Cases](https://docs.synctera.com/v2/docs/sandbox-external-account-test-cases.md)
- [Sandbox KYB Test Cases](https://docs.synctera.com/v2/docs/sandbox-kyb-test-cases.md)
- [Sandbox KYC Test Cases](https://docs.synctera.com/v2/docs/sandbox-kyc-test-cases.md)
- [Sandbox Test Cases](https://docs.synctera.com/v2/docs/sandbox-test-cases.md)
- [Sandbox Testing](https://docs.synctera.com/v2/docs/sandbox-testing.md): Triggering specific scenarios and building mock vendors to end-to-end test can be time consuming.
- [Secured charge accounts](https://docs.synctera.com/v2/docs/secured-sc-accounts-guide.md): A secured charge account (`CHARGE_SECURED`) is a type of open-ended non-revolving credit account, secured by a customer's own funds. This account type forms the basis of a [Synctera Smart Card](/v2/docs/v1-smart-card) product.
- [Set PIN Widget (Deprecated)](https://docs.synctera.com/v2/docs/set-pin-widget-legacy.md): Using this widget you can add set pin to your website. It requires a Synctera widget vault token to initialize it with. The user will have 5 minutes to complete the pin submission.
- [Spend Controls](https://docs.synctera.com/v2/docs/spend-controls-guide.md): Spend controls provide a way to monitor the flow of money.
- [Statements](https://docs.synctera.com/v2/docs/statements-guide.md): A statement is a disclosure of the state of an account, and its activity, over a billing period. Synctera will generate a statement payload for any account that requires periodic statements to be provided to the customer, through the [Statements API](/v2/reference/liststatements). These payloads are…
- [Synctera Pay](https://docs.synctera.com/v2/docs/synctera-pay.md): SyncteraPay aims to simplify the process for FinTechs to introduce their own payment partners into the Synctera ecosystem, enabling them to fully leverage their accounts and transaction flow. The platform facilitates daily reconciliation and settlement with the third-party payments provider.
- [Transaction Disputes](https://docs.synctera.com/v2/docs/transaction-disputes.md): Cardholders can dispute transactions made on their card or their account for many reasons ranging from not recognizing the transaction to fraudulent transactions by an unauthorized user.
- [Transactions](https://docs.synctera.com/v2/docs/transactions-guide.md): A "transaction" in the Synctera platform represents any movement of funds between accounts.
- [Unsecured charge accounts](https://docs.synctera.com/v2/docs/unsecured-charge-accounts-guide.md)
- [Charge card](https://docs.synctera.com/v2/docs/v1-charge-card.md): A Charge card is a type of payment card that requires the cardholder to pay the full balance owed each month by the statement due date.
- [Line of Credit](https://docs.synctera.com/v2/docs/v1-line-of-credit.md): A Line of Credit (LoC) account is used to offer unsecured credit to customers of a fintech. It allows a borrower to utilize funds, as needed, up to a predetermined limit. The borrower may then repay the funds and borrow again as needed.
- [Synctera Smart Card](https://docs.synctera.com/v2/docs/v1-smart-card.md): The first Synctera consumer credit card offering is a dynamically secured charge card, which we call a **Synctera Smart Card**.
- [Verification Response Codes](https://docs.synctera.com/v2/docs/verification-response-codes.md)
- [Waitlist](https://docs.synctera.com/v2/docs/viral-loops-waitlist.md): Waitlists are a useful tool to easily validate value proposition. We've reviewed many waitlist providers and have found Viral Loops to be an easy to use and feature rich waitlist provider. We've partnered with Viral Loops so that you can make one fewer decision and get to market faster.
- [Webhooks](https://docs.synctera.com/v2/docs/webhooks-guide.md): The Webhook API enables integrators to subscribe to specific events on the Synctera platform.
- [Simulate receiving ACH return](https://docs.synctera.com/v2/reference/achreturnsimulation.md): Use to simulate receiving ACH return in test environments. Creates an incoming ACH file with a single return entry based on a previously created outgoing transaction. The file gets automatically processed.
- [Simulate receiving ACH transaction](https://docs.synctera.com/v2/reference/achtransactionsimulation.md): Use to simulate receiving ACH transaction in test environments. Creates an incoming ACH file with a single transaction, which gets automatically processed.
- [Activate a card](https://docs.synctera.com/v2/reference/activatecard.md): Activate a card
- [Add a document to a dispute](https://docs.synctera.com/v2/reference/adddisputedocument.md): Add a supporting document to a dispute object
- [Add an external account](https://docs.synctera.com/v2/reference/addexternalaccounts.md): Add an external account for a customer. The account will be created in an unverified state.
- [Create New Gateway Endpoint Configuration](https://docs.synctera.com/v2/reference/addgatewayconfig.md): By creating Gateway Endpoint Configuration object for Fintech, you enable ACH in Auth flow for all the ACH transactions for specified Fintech (Tenant)
- [Add internal accounts](https://docs.synctera.com/v2/reference/addinternalaccounts.md): Add an internal account.  Note: In production, this action can only be performed by Synctera administrators.
- [Send an ACH](https://docs.synctera.com/v2/reference/addtransactionout.md): Send an ACH
- [Add external accounts through a vendor, such as Plaid.](https://docs.synctera.com/v2/reference/addvendorexternalaccounts.md): Add external accounts for a customer through an existing access token. The token must be valid, and the information on the accounts returned by the vendor must correspond to the customer. A success response for this route may include failures if an account could not be added, so it's important that…
- [Authenticate 3DS](https://docs.synctera.com/v2/reference/authenticate3ds.md): Validates the results of an External Card Transfer 3DS authentication challenge.
- [Cancel an outgoing wire](https://docs.synctera.com/v2/reference/cancelwire.md): Cancel an outgoing tranfer
- [Create a permanent access token for an external account](https://docs.synctera.com/v2/reference/createaccesstoken.md)
- [Create an account](https://docs.synctera.com/v2/reference/createaccount.md): Creates an account copying values from account template into the account resource. Any fields defined as part of account creation will overwrite the ones provided from the account template. Account holder `verification_status` must be `ACCEPTED` to create an account.
- [Create account relationship](https://docs.synctera.com/v2/reference/createaccountrelationship.md): Add a customer to an account
- [Create an account product](https://docs.synctera.com/v2/reference/createaccountresourceproduct.md): Create an account product. Rates cannot be nil or empty.
- [Create an account template](https://docs.synctera.com/v2/reference/createaccounttemplate.md): Create an account template. An account template is needed to create an account in a lead mode.
- [Create a dispute action](https://docs.synctera.com/v2/reference/createaction.md): Create an action on a disputed transaction
- [Create a address](https://docs.synctera.com/v2/reference/createaddress.md): Create a address.
- [Create an adverse action notice](https://docs.synctera.com/v2/reference/createadverseaction.md): An adverse action notice is required for Reg B and FCRA when an application to grant or increase credit is refused; a counteroffer is made; an credit account is terminated; the terms on the account has an unfavorable change.
- [Create an Apple Pay CSR](https://docs.synctera.com/v2/reference/createapplepaycsr.md): Generates and returns a Certificate Signing Request (CSR) that can be used to create an Apple Pay Payment Processing Certificate in the Apple Developer Portal.
- [Create Apple Pay External Card Transfer](https://docs.synctera.com/v2/reference/createapplepayexternalcardtransfer.md): > 🚧 Alpha > Apple Pay transfers is currently in Alpha release and spec is subject to change.
- [Create an application](https://docs.synctera.com/v2/reference/createapplication-1.md): > 🚧 Beta > This is an Beta endpoint. Feedback from the community is welcome. We may make breaking changes to this endpoint.
- [Create a barcode for a cash transaction](https://docs.synctera.com/v2/reference/createbarcode.md): Create a barcode for a cash transaction
- [Create Batch Payments](https://docs.synctera.com/v2/reference/createbatchpayments.md): Create multiple batch payments
- [Create Batch Payment Template](https://docs.synctera.com/v2/reference/createbatchpaymenttemplate.md): Create a Batch Payment template
- [Create a bulk order configuration](https://docs.synctera.com/v2/reference/createbulkorderconfig.md): Bulk card orders can be configured to ship cards in bulk.
- [Create a business](https://docs.synctera.com/v2/reference/createbusiness.md): Create a business who may act as a customer or a related business. You can then verify the identity of this customer and associate them with other people and accounts.
- [Create Card Image](https://docs.synctera.com/v2/reference/createcardimage.md): Create a card image entity. Note that this does not include the image data itself. You can upload the image data via a subsequent uploadCardImageData request using the ID created here.
- [Cash Authorization for an upcoming transfer](https://docs.synctera.com/v2/reference/createcashauthorization.md): Create a new cash authorization > 🚧 Alpha > This is an Alpha spec-only endpoint. Feedback from the community is welcome. We may make breaking changes.
- [Create a credit score and associate it with a customer](https://docs.synctera.com/v2/reference/createcreditscores.md): Credit score under customers that can link to accounts and applications
- [Create digital wallet token provision request for Apple Pay](https://docs.synctera.com/v2/reference/createdigitalwalletapple.md)
- [Create digital wallet token provision request for Google Pay](https://docs.synctera.com/v2/reference/createdigitalwalletgoogle.md)
- [Create disclosure record](https://docs.synctera.com/v2/reference/createdisclosure.md): Record the fact that a regulatory document was disclosed to a customer.
- [Dispute a transaction](https://docs.synctera.com/v2/reference/createdispute.md): Create a dispute against a transaction.
- [Create a document](https://docs.synctera.com/v2/reference/createdocument.md): Store a document in the Synctera platform.
- [Create a new document version](https://docs.synctera.com/v2/reference/createdocumentversion.md): Docs
- [Create a EDD](https://docs.synctera.com/v2/reference/createedd.md): Create a EDD
- [Create External Card from token](https://docs.synctera.com/v2/reference/createexternalcardfromtoken.md): Create an External Card from token. The token and cardholder name are obtained through the iFrame. The token must be used within 5 minutes or else it will expire. If a Business ID is provided, address verification will be performed against the legal address of the business. Otherwise, the legal addr…
- [Create External Card Transfer](https://docs.synctera.com/v2/reference/createexternalcardtransfer.md): Create External Card Transfer
- [Create External Card Transfer Reversal](https://docs.synctera.com/v2/reference/createexternalcardtransferreversal.md): Create External Card Transfer Reversal
- [Create a fee](https://docs.synctera.com/v2/reference/createfee.md): Create a fee
- [Create a fee template](https://docs.synctera.com/v2/reference/createfeetemplate.md): Create a fee template A fee template defines the properties of a fee that a fintech wishes to use to easily charge their customers. The fintech can then create fee templates for different amounts or categories of fees that represent different instances of services or charges
- [Create Gateway](https://docs.synctera.com/v2/reference/creategateway.md): Create a new Authorization Gateway Configuration
- [Create Google Pay External Card Transfer](https://docs.synctera.com/v2/reference/creategooglepayexternalcardtransfer.md): > 🚧 Alpha > Google Pay transfers is currently in Alpha release and spec is subject to change.
- [Create Incoming Synctera Pay Transfer](https://docs.synctera.com/v2/reference/createincomingsyncterapaytransfer.md): Create incoming Synctera Pay transfer > 🚧 Beta > This is a Beta endpoint. Feedback from the community is welcome. Any breaking changes to this endpoint will be pre-announced.
- [Create an internal transfer](https://docs.synctera.com/v2/reference/createinternaltransfer.md): An internal transfer is an payment between two accounts within the same Fintech.
- [Create a note](https://docs.synctera.com/v2/reference/createnote.md): Create a note
- [Create a payment schedule](https://docs.synctera.com/v2/reference/createpaymentschedule.md): Create a payment schedule
- [Create a person](https://docs.synctera.com/v2/reference/createperson.md): Create a person who may act as a personal customer or a director/officer/owner of a business. You can then verify the identity of this customer and associate them with other people and accounts. Note that if no shipping_address attribute is provided in the request, the shipping_address will be set t…
- [Create a personal identifier](https://docs.synctera.com/v2/reference/createpersonalid.md): Create a personal identifier, e.g. SSN, for this customer
- [Create a Remote Check Deposit](https://docs.synctera.com/v2/reference/createrdcdeposit.md): Create a new deposit using remote deposit capture to an account
- [Create a relationship](https://docs.synctera.com/v2/reference/createrelationship.md): Create a party relationship.
- [Create a reward](https://docs.synctera.com/v2/reference/createreward.md): Create a reward
- [Create a reward template](https://docs.synctera.com/v2/reference/createrewardtemplate.md): Create a reward template A reward template defines the properties of a reward that a fintech wishes to use to easily charge their customers. The fintech can then create reward templates for different amounts or categories of rewards that represent different instances of services or charges
- [Create a secret](https://docs.synctera.com/v2/reference/createsecret.md): Create a webhook secret. The secret will be used to verify all subsequent webhook request signature.
- [Create Spend Control](https://docs.synctera.com/v2/reference/createspendcontrol.md): Create a spend control
- [Subscribe a customer or business to monitoring](https://docs.synctera.com/v2/reference/createsubscription.md): This endpoint is rarely needed. Since August 2022, watchlist monitoring is automatically enabled for all businesses and customers who are verified (KYC/KYB) through Synctera's platform.
- [Create Synctera Pay Transfer](https://docs.synctera.com/v2/reference/createsyncterapaytransfer.md): Create an Outgoing Synctera Pay transfer > 🚧 Beta > This is a Beta endpoint. Feedback from the community is welcome. Any breaking changes to this endpoint will be pre-announced.
- [Create 3DS Decision Gateway](https://docs.synctera.com/v2/reference/createthreedsdecisiongateway.md): Create a new 3DS Decision Gateway
- [Create a verification](https://docs.synctera.com/v2/reference/createverification.md): Upload evidence of an externally performed KYC/KYB.
- [Create a link token to verify an external account](https://docs.synctera.com/v2/reference/createverificationlinktoken.md)
- [Create a webhook](https://docs.synctera.com/v2/reference/createwebhook.md): Create a webhook
- [Send a wire](https://docs.synctera.com/v2/reference/createwire.md): Create an outgoing wire transfer
- [Delete account relationship](https://docs.synctera.com/v2/reference/deleteaccountrelationship.md): Delete account relationship
- [Delete account template](https://docs.synctera.com/v2/reference/deleteaccounttemplate.md): Delete account template
- [Delete a document](https://docs.synctera.com/v2/reference/deletedocument.md): Delete a document. Before a document can be deleted, it must have a deletion_reason explaining why the document was deleted. Use the [PATCH endpoint](ref:updatedocument) to set the `deletion_reason` property.
- [Delete a EDD](https://docs.synctera.com/v2/reference/deleteedd.md): Delete a EDD
- [Delete an external account](https://docs.synctera.com/v2/reference/deleteexternalaccount.md): Deletes an external account, given an external account ID. If no accounts left, the access token to the financial institution will be removed
- [Delete External Card](https://docs.synctera.com/v2/reference/deleteexternalcard.md): Delete an External Card
- [Delete Gateway Endpoint Configuration by ID](https://docs.synctera.com/v2/reference/deletegatewayconfigbyid.md): Use this to permanently remove Gateway Configuration and disable Auth Flow for Fintech (Tenant)
- [Delete a personal identifier](https://docs.synctera.com/v2/reference/deletepersonalid.md): Delete personal identifier
- [Delete relationship](https://docs.synctera.com/v2/reference/deleterelationship.md): Delete party relationship by ID.
- [Delete monitoring subscription](https://docs.synctera.com/v2/reference/deletesubscription.md)
- [Delete a webhook](https://docs.synctera.com/v2/reference/deletewebhook.md): Delete a webhook
- [Initiate Document Verification Session](https://docs.synctera.com/v2/reference/docvsession.md): Initiate document verification session to be used with `/verifications/verify`.
- [Sync external account transactions through a vendor, such as Plaid](https://docs.synctera.com/v2/reference/externalaccountrefreshtransactions.md): Sync external accounts for a customer through an existing access token. The token must be valid. Accounts linked in the same auth session (having the same access token) will be synced together.
- [Fulfill a bulk order](https://docs.synctera.com/v2/reference/fulfillbulkorder.md): Bulk orders configured with a `MANUAL` bulk issuance policy will be shipped when a fulfillment request is made (Refer to Bulk Orders `bulk_issuance_policy`).
- [Get account](https://docs.synctera.com/v2/reference/getaccount.md): Get an account by account_id.
- [Get account relationship](https://docs.synctera.com/v2/reference/getaccountrelationship.md): Get account relationship by ID
- [Get account template](https://docs.synctera.com/v2/reference/getaccounttemplate.md): Get an account template
- [Get address information by id](https://docs.synctera.com/v2/reference/getaddress.md): Get address information by its unique identifier
- [Retrieve an adverse action notice](https://docs.synctera.com/v2/reference/getadverseaction.md)
- [Retrieve a monitoring alert](https://docs.synctera.com/v2/reference/getalert.md)
- [List All Gateway Configurations](https://docs.synctera.com/v2/reference/getallgatewayconfigs.md): Gateway Endpoint Configuration object represents details required for Auth flow Request to the Fintech (Tenant)
- [Get an application](https://docs.synctera.com/v2/reference/getapplication-1.md): > 🚧 Beta > This is an Beta endpoint. Feedback from the community is welcome. We may make breaking changes to this endpoint.
- [Authorization Test](https://docs.synctera.com/v2/reference/getauthorizationtest.md): Use this endpoint to initiate a test of the Plaid Core Exchange authorization flow. Your configured Authentication URI will be returned in the response body which you can navigate to in browser, then perform your authentication process using the appended auth_request_id. If that authentication is su…
- [Get a barcode](https://docs.synctera.com/v2/reference/getbarcode.md): Get a barcode
- [Get a list of barcodes](https://docs.synctera.com/v2/reference/getbarcodes.md): Get a list of barcodes
- [Get BatchPayment](https://docs.synctera.com/v2/reference/getbatchpayment.md): Get a Batch Payment
- [Get Batch Payments](https://docs.synctera.com/v2/reference/getbatchpayments.md): Get all Batch Payments
- [Get Batch Payment Template](https://docs.synctera.com/v2/reference/getbatchpaymenttemplate.md): Get a Batch Payment template
- [Get Batch Payment Templates](https://docs.synctera.com/v2/reference/getbatchpaymenttemplates.md): Get all Batch Payment templates
- [Get bulk order configuration](https://docs.synctera.com/v2/reference/getbulkorderconfig.md): Get the details about a bulk order configuration.
- [Get business](https://docs.synctera.com/v2/reference/getbusiness.md): Get business by ID.
- [Get Card](https://docs.synctera.com/v2/reference/getcard.md): Get the details about a card that has been issued
- [Get Card Barcode](https://docs.synctera.com/v2/reference/getcardbarcode.md): This endpoint is for testing environment only to provide access to barcode of a test card
- [Get Card Image Data](https://docs.synctera.com/v2/reference/getcardimagedata.md): Get card image data
- [Get Card Image Details](https://docs.synctera.com/v2/reference/getcardimagedetails.md): Get card image details
- [Get card widget URL](https://docs.synctera.com/v2/reference/getcardwidgeturl.md): This endpoint returns a URL address of the specified widget for a given card
- [Get cash authorizations](https://docs.synctera.com/v2/reference/getcashauthorizations.md): Get all cash authorizations > 🚧 Alpha > This is an Alpha spec-only endpoint. Feedback from the community is welcome. We may make breaking changes.
- [Get cash order authorization](https://docs.synctera.com/v2/reference/getcashorderauthorization.md): Get a specific cash order authorization > 🚧 Alpha > This is an Alpha spec-only endpoint. Feedback from the community is welcome. We may make breaking changes.
- [Get cash transfer](https://docs.synctera.com/v2/reference/getcashtransfer.md): Get a specific cash transfer > 🚧 Alpha > This is an Alpha spec-only endpoint. Feedback from the community is welcome. We may make breaking changes.
- [Get cash transfers](https://docs.synctera.com/v2/reference/getcashtransfers.md): Get all cash transfers > 🚧 Alpha > This is an Alpha spec-only endpoint. Feedback from the community is welcome. We may make breaking changes.
- [Get a client token](https://docs.synctera.com/v2/reference/getclientaccesstoken.md): Create a client access token for interacting with a card.  This token will be used on the client to identify the card for flows like viewing Full PAN or setting the PIN in a PCI compliant manner.
- [Retrieve a credit score](https://docs.synctera.com/v2/reference/getcreditscore.md)
- [Get Digital Wallet Token](https://docs.synctera.com/v2/reference/getdigitalwallettoken.md): Get the details about the digital wallet token of a card
- [Get disclosure](https://docs.synctera.com/v2/reference/getdisclosure.md): Get disclosure by ID.
- [Get a Dispute](https://docs.synctera.com/v2/reference/getdispute.md): Get a dispute by ID.
- [Get dispute document contents](https://docs.synctera.com/v2/reference/getdisputedocumentcontents.md): Returns the bytes of the requested document
- [Get a document](https://docs.synctera.com/v2/reference/getdocument.md): Returns the document attributes. Use /documents/{document_id}/contents to get the contents.
- [Get contents of latest document version](https://docs.synctera.com/v2/reference/getdocumentcontents.md): Returns the bytes of the requested document.
- [Get document contents by version](https://docs.synctera.com/v2/reference/getdocumentversion.md): Returns the bytes of the requested document.
- [Get a document by version](https://docs.synctera.com/v2/reference/getdocumentversioncontents.md): Returns the document (attributes). Use /documents/{document_id}/versions/{version}/contents to get the contents.
- [Get a EDD](https://docs.synctera.com/v2/reference/getedd.md): Get a EDD
- [Get webhook event](https://docs.synctera.com/v2/reference/getevent.md): Get webhook event by ID
- [Get an external account](https://docs.synctera.com/v2/reference/getexternalaccount.md): Returns an external account, given an external account ID.
- [Get external account balances](https://docs.synctera.com/v2/reference/getexternalaccountbalance.md): Given an external account ID, return the account balances in real time.
- [List transactions of a given external account](https://docs.synctera.com/v2/reference/getexternalaccounttransactions.md): Returns a list of transactions on from the external account, given an external account ID. Maximum 500 transctions will be returned.
- [Get External Card](https://docs.synctera.com/v2/reference/getexternalcard.md): Get External Card
- [Get External Card Transfer](https://docs.synctera.com/v2/reference/getexternalcardtransfer.md): Get External Card Transfer
- [Get an FDX token](https://docs.synctera.com/v2/reference/getfdxtoken.md): > 🚧 Beta > This is a Beta endpoint. Feedback from the community is welcome. We may make breaking changes to this endpoint.
- [Get Fee](https://docs.synctera.com/v2/reference/getfee.md): Get a fee by ID.
- [Get a Fee template](https://docs.synctera.com/v2/reference/getfeetemplate.md): Get a fee template by ID.
- [Get Gateway](https://docs.synctera.com/v2/reference/getgateway.md): Get the details of an Authorization Gateway that has been configured
- [Get Gateway Endpoint Configuration By ID](https://docs.synctera.com/v2/reference/getgatewayconfigbyid.md): Gateway Endpoint Configuration object represents details required for Auth flow Request to the Fintech (Tenant)
- [Get Incoming ACH Transaction By ID](https://docs.synctera.com/v2/reference/getincomingachbyid.md): > 🚧 Beta > This is a Beta endpoint for use by early adopters. Do not use this endpoint with real customers. Feedback from the community is welcome. Any breaking changes to this endpoint will be pre-announced.
- [List Incoming ACH Transactions](https://docs.synctera.com/v2/reference/getincomingachlist.md): > 🚧 Beta > This is a Beta endpoint for use by early adopters. Do not use this endpoint with real customers. Feedback from the community is welcome. Any breaking changes to this endpoint will be pre-announced.
- [Get Incoming Synctera Pay Configuration](https://docs.synctera.com/v2/reference/getincomingsyncterapayconfiguration.md)
- [Get Incoming Synctera Pay Transfer](https://docs.synctera.com/v2/reference/getincomingsyncterapaytransfer.md)
- [Get incoming wire by id](https://docs.synctera.com/v2/reference/getincomingwire.md): Get an incoming wire by id
- [Retrieve a list of institutions](https://docs.synctera.com/v2/reference/getinstitutions.md)
- [Get internal account by id](https://docs.synctera.com/v2/reference/getinternalaccounts.md): Returns an internal account by id
- [Get an internal transfer](https://docs.synctera.com/v2/reference/getinternaltransferbyid.md): Get an internal transfer auth by ID
- [Get a pending transaction](https://docs.synctera.com/v2/reference/getpendingtransactionbyid.md): Get a pending transaction by its uuid
- [Get person](https://docs.synctera.com/v2/reference/getperson.md): Get person by ID.
- [Get a posted transaction](https://docs.synctera.com/v2/reference/getpostedtransactionbyid.md): Get a posted transaction by its uuid
- [Get Remote Check Deposit](https://docs.synctera.com/v2/reference/getrdcdeposit.md): Retrieves one deposit made using remote deposit capture associated with an account
- [Get relationship](https://docs.synctera.com/v2/reference/getrelationship.md): Get relationship by ID.
- [Get the available retailer map URL.](https://docs.synctera.com/v2/reference/getretailermapurl.md): Get the available retailer map URL
- [Get Reward](https://docs.synctera.com/v2/reference/getreward.md): Get a reward by ID.
- [Get a Reward template](https://docs.synctera.com/v2/reference/getrewardtemplate.md): Get a reward template by ID.
- [Get Spend Control](https://docs.synctera.com/v2/reference/getspendcontrol.md): Get spend control
- [Get a statement](https://docs.synctera.com/v2/reference/getstatement.md): Gets a full statement by its ID.
- [Get a statement's transactions](https://docs.synctera.com/v2/reference/getstatementtransactions.md): Gets the list of transactions for a statement's period.
- [Retrieve monitoring subscription](https://docs.synctera.com/v2/reference/getsubscription.md)
- [Get Outgoing Synctera Pay Configuration](https://docs.synctera.com/v2/reference/getsyncterapayconfiguration.md): Get an Outgoing Synctera Pay configuration
- [Get Outgoing Synctera Pay Configurations](https://docs.synctera.com/v2/reference/getsyncterapayconfigurations.md): Get all Outgoing Synctera Pay configurations
- [Get Outgoing Synctera Pay Transfer](https://docs.synctera.com/v2/reference/getsyncterapaytransfer.md): Get an Outgoing Synctera Pay transfer > 🚧 Beta > This is a Beta endpoint. Feedback from the community is welcome. Any breaking changes to this endpoint will be pre-announced.
- [Get Outgoing Synctera Pay Transfers](https://docs.synctera.com/v2/reference/getsyncterapaytransfers.md): Get all Outgoing Synctera Pay transfers > 🚧 Beta > This is a Beta endpoint. Feedback from the community is welcome. Any breaking changes to this endpoint will be pre-announced.
- [Get an Outgoing Synctera Pay vendor](https://docs.synctera.com/v2/reference/getsyncterapayvendor.md): Get a Synctera Pay vendor
- [List Outgoing Synctera Pay vendors](https://docs.synctera.com/v2/reference/getsyncterapayvendors.md): Get paginated list of Outgoing Synctera Pay vendors associated
- [Get 3DS DecisionGateway](https://docs.synctera.com/v2/reference/getthreedsdecisiongateway.md): Get the details of a 3DS Decision Gateway
- [Get a sent ACH transaction](https://docs.synctera.com/v2/reference/gettransactionout.md): Get a single sent ACH transaction
- [Get Transactions From Batch Payments Templates](https://docs.synctera.com/v2/reference/gettransactionsbatchpayments.md): Get all transactions that have the potential to be included in a batch payment.
- [Get verification](https://docs.synctera.com/v2/reference/getverification1.md): Get customer verification result.
- [Get a webhook](https://docs.synctera.com/v2/reference/getwebhook.md): Get a webhook
- [Get a widget access token](https://docs.synctera.com/v2/reference/getwidgetaccesstoken.md): Create an ephemeral (short-term, limited-scope) access token for interacting with a card via Synctera widgets.
- [Get an outgoing wire by id](https://docs.synctera.com/v2/reference/getwire.md): Get a wire by id
- [Grant an FDX authorization request](https://docs.synctera.com/v2/reference/grantfdxauthrequest.md): > 🚧 Beta > This is a Beta endpoint. Feedback from the community is welcome. We may make breaking changes to this endpoint.
- [Initialize 3DS](https://docs.synctera.com/v2/reference/initialize3ds.md): Initializes an External Card Transfer 3DS authentication.
- [Initiate account closure](https://docs.synctera.com/v2/reference/initiateaccountclosure.md): Initiates an account closure. It immediately changes the account status to `IN_CLOSING`. Once the account status is `IN_CLOSING`, the account can no longer be used to create new transactions.
- [Introduction](https://docs.synctera.com/v2/reference/introduction.md): The API Reference describes our RESTful APIs endpoints. Each endpoint description provides the information you’ll need to form requests and handle responses: parameters for request path, request body, and responses. You’ll also find example requests and responses.
- [Issue a Card](https://docs.synctera.com/v2/reference/issuecard.md): Issue or reissue a new card for a customer
- [List account relationships](https://docs.synctera.com/v2/reference/listaccountrelationship.md): List all customers of an account
- [List account products](https://docs.synctera.com/v2/reference/listaccountresourceproducts.md): List account products
- [List accounts](https://docs.synctera.com/v2/reference/listaccounts.md): Get a paginated list of accounts.
- [List account templates](https://docs.synctera.com/v2/reference/listaccounttemplates.md): List account templates
- [List Addresses](https://docs.synctera.com/v2/reference/listaddresses.md)
- [List adverse action notices](https://docs.synctera.com/v2/reference/listadverseactions.md)
- [List monitoring alerts](https://docs.synctera.com/v2/reference/listalerts.md)
- [List applications](https://docs.synctera.com/v2/reference/listapplications-1.md): > 🚧 Beta > This is an Beta endpoint. Feedback from the community is welcome. We may make breaking changes to this endpoint.
- [List Bulk Order Configurations](https://docs.synctera.com/v2/reference/listbulkorderconfigs.md): List bulk order configurations matching query parameters
- [List business](https://docs.synctera.com/v2/reference/listbusinesses.md): Retrieves paginated list of businesses associated with the authorized requester.
- [List Card Image Details](https://docs.synctera.com/v2/reference/listcardimagedetails.md): List all card image details
- [List Card Products](https://docs.synctera.com/v2/reference/listcardproducts.md): List of available Card Products
- [List Cards](https://docs.synctera.com/v2/reference/listcards.md): List of cards matching query parameters
- [List credit scores](https://docs.synctera.com/v2/reference/listcreditscores.md)
- [List CRRs](https://docs.synctera.com/v2/reference/listcrr.md): Get paginated list of CRR
- [List Digital Wallet Tokens](https://docs.synctera.com/v2/reference/listdigitalwallettokens.md): List Digital Wallet Tokens
- [List disclosures](https://docs.synctera.com/v2/reference/listdisclosures.md): Retrieves paginated list of disclosures associated with the authorized requester.
- [List disputes](https://docs.synctera.com/v2/reference/listdisputes.md): Get paginated list of disputes
- [List documents](https://docs.synctera.com/v2/reference/listdocuments.md): Returns a paginated list of documents (metadata only, not contents).
- [List EDD](https://docs.synctera.com/v2/reference/listedd.md): Get paginated list of EDD
- [List webhook events](https://docs.synctera.com/v2/reference/listevents.md): List webhook events. This response will not associate with the event response history.
- [List external accounts](https://docs.synctera.com/v2/reference/listexternalaccounts.md): Returns a list of all external accounts assigned to customers.
- [List External Cards](https://docs.synctera.com/v2/reference/listexternalcards.md): List External Cards
- [List External Transfers](https://docs.synctera.com/v2/reference/listexternalcardtransfers.md): List External Card Transfers
- [List FDX authorization requests](https://docs.synctera.com/v2/reference/listfdxauthrequests.md): > 🚧 Beta > This is a Beta endpoint. Feedback from the community is welcome. We may make breaking changes to this endpoint.
- [List tokens](https://docs.synctera.com/v2/reference/listfdxtoken.md): > 🚧 Beta > This is a Beta endpoint. Feedback from the community is welcome. We may make breaking changes to this endpoint.
- [List fees](https://docs.synctera.com/v2/reference/listfees.md): Get paginated list of fees
- [List fee templates](https://docs.synctera.com/v2/reference/listfeetemplates.md): Get paginated list of fee templates
- [List Gateways](https://docs.synctera.com/v2/reference/listgateways.md): List of gateways matching query parameters
- [List Incoming Synctera Pay Configurations](https://docs.synctera.com/v2/reference/listincomingsyncterapayconfigurations.md)
- [List Incoming Synctera Pay Transfers](https://docs.synctera.com/v2/reference/listincomingsyncterapaytransfers.md)
- [List incoming wires](https://docs.synctera.com/v2/reference/listincomingwires.md): Get paginated list of incoming wires
- [List internal accounts](https://docs.synctera.com/v2/reference/listinternalaccounts.md): Returns a list of all internal accounts.
- [List notes](https://docs.synctera.com/v2/reference/listnotes.md): Get paginated list of notes
- [List payments](https://docs.synctera.com/v2/reference/listpayments.md): Get paginated list of payments
- [List payment schedules](https://docs.synctera.com/v2/reference/listpaymentschedules.md): Get paginated list of payment schedules
- [List pending transactions](https://docs.synctera.com/v2/reference/listpendingtransactions.md): Get paginated list of pending transactions matching the provided filters
- [List persons](https://docs.synctera.com/v2/reference/listpersons.md): Retrieves paginated list of persons associated with the authorized requester.
- [List posted transactions](https://docs.synctera.com/v2/reference/listpostedtransactions.md): Get paginated list of posted transactions matching the provided filters
- [List Remote Check Deposits](https://docs.synctera.com/v2/reference/listrdcdeposits.md): Retrieves a paginated list of the deposits made using remote deposit capture associated with an account
- [List relationships](https://docs.synctera.com/v2/reference/listrelationships.md): Retrieves paginated list of relationships viewable by the authorized requester.
- [List rewards](https://docs.synctera.com/v2/reference/listrewards.md): Get paginated list of rewards
- [List reward templates](https://docs.synctera.com/v2/reference/listrewardtemplates.md): Get paginated list of reward templates
- [List Spend Controls](https://docs.synctera.com/v2/reference/listspendcontrols.md): List spend controls
- [List statements](https://docs.synctera.com/v2/reference/liststatements.md): Gets a list of statement summaries for an account.
- [Liststoppayment](https://docs.synctera.com/v2/reference/liststoppayment.md)
- [List monitoring subscriptions](https://docs.synctera.com/v2/reference/listsubscriptions.md)
- [List 3DS Decision Gateways](https://docs.synctera.com/v2/reference/listthreedsdecisiongateways.md): List of 3DS decision gateway matching query parameters
- [List sent ACH transactions](https://docs.synctera.com/v2/reference/listtransactionsout.md): List sent ACH transactions
- [List verifications](https://docs.synctera.com/v2/reference/listverifications1.md): List customer verification results.
- [List webhooks](https://docs.synctera.com/v2/reference/listwebhooks.md): List all webhooks
- [List outgoing wires](https://docs.synctera.com/v2/reference/listwires.md): Get paginated list of wires
- [Lookup 3DS](https://docs.synctera.com/v2/reference/lookup3ds.md): Using device collection data, performs a lookup for an External Card Transfer 3DS authentication. The results will indicate whether the transfer is successfully authenticated or if a 3DS challenge is required.
- [Get merchant from MX](https://docs.synctera.com/v2/reference/mxreadmerchant.md): Returns information about a particular merchant from MX, such as a logo, name, and website.
- [Need to Know](https://docs.synctera.com/v2/reference/need-to-know.md)
- [Patch account](https://docs.synctera.com/v2/reference/patchaccount.md): Patch account.
- [Patch account product](https://docs.synctera.com/v2/reference/patchaccountproduct.md): Patch account product. Rates requires at minimum 1 entry if specified.
- [Patch account template](https://docs.synctera.com/v2/reference/patchaccounttemplate.md): Patch account template
- [Modify an application](https://docs.synctera.com/v2/reference/patchapplication-1.md): > 🚧 Beta > This is an Beta endpoint. Feedback from the community is welcome. We may make breaking changes to this endpoint.
- [Update a cash order authorization](https://docs.synctera.com/v2/reference/patchcashorderauthorization.md): > 🚧 Alpha > This is an Alpha spec-only endpoint. Feedback from the community is welcome. We may make breaking changes.
- [Update a cash transfer](https://docs.synctera.com/v2/reference/patchcashtransfer.md): To cancel a transfer, update the status to 'CANCELLED'. Only 'INITIATED' or 'PENDING` transfers can be cancelled. > 🚧 Alpha > This is an Alpha spec-only endpoint. Feedback from the community is welcome. We may make breaking changes.
- [Patch Fee Template](https://docs.synctera.com/v2/reference/patchfeetemplate.md): Update a fee template by ID.
- [Update Gateway Endpoint Configuration By ID](https://docs.synctera.com/v2/reference/patchgatewayconfigbyid.md): Gateway Endpoint Configuration object represents details required for Auth flow Request to the Fintech (Tenant)
- [Update an incoming wire by id](https://docs.synctera.com/v2/reference/patchincomingwire.md): Update an incoming wire by id
- [Patch internal account](https://docs.synctera.com/v2/reference/patchinternalaccount.md): Patch internal account.
- [Patch Note](https://docs.synctera.com/v2/reference/patchnote.md): Update a Note by ID.
- [Update a payment schedule](https://docs.synctera.com/v2/reference/patchpaymentschedule.md): Update a payment schedule
- [Patch Reward Template](https://docs.synctera.com/v2/reference/patchrewardtemplate.md): Update a reward template by ID.
- [Update a sent ACH transaction](https://docs.synctera.com/v2/reference/patchtransactionout.md): Update a sent ACH transaction (either status or funds availability)
- [Reveal Personal ID](https://docs.synctera.com/v2/reference/personalidreveal.md): Get a personal ID with the id number encrypted using the fintechs provided public key. Optionally specify which personal ID configuration to use for encryption. If not specified, the oldest configured public key will be used.
- [Replace an existing secret](https://docs.synctera.com/v2/reference/replacesecret.md): Replace an existing webhook secret immediately or as part of rotation. This new secret will be used to verify all subsequent webhook request signature.
- [Resend an event](https://docs.synctera.com/v2/reference/resendevent.md): Resend a webhook event
- [Return a Synctera Pay Transfer](https://docs.synctera.com/v2/reference/returnsyncterapaytransfer.md): Trigger a return upon an existing Outgoing Synctera Pay transfer > 🚧 Beta > This is a Beta endpoint. Feedback from the community is welcome. Any breaking changes to this endpoint will be pre-announced.
- [Reveal Card Details](https://docs.synctera.com/v2/reference/revealcarddetails.md): > 🚧 PCI Compliance  > This endpoint requires PCI compliance. If you are PCI compliant and want this endpoint enabled, please work with your Synctera representative.
- [Reverse a fee](https://docs.synctera.com/v2/reference/reversefee.md): Reverse the fee by creating a reversal transaction.
- [Reverse a reward](https://docs.synctera.com/v2/reference/reversereward.md): Reverse the reward by creating a reversal transaction.
- [Revoke the secret](https://docs.synctera.com/v2/reference/revokesecret.md): Revoke the existing webhook secret. If this is called at the rolling secret time, then both old and new secrets will be revoked
- [Set Card PIN](https://docs.synctera.com/v2/reference/setcardpin.md): > 🚧 PCI Compliance  > This endpoint requires PCI compliance. If you are PCI compliant and want this endpoint enabled, please work with your Synctera representative.
- [Simulate authorization](https://docs.synctera.com/v2/reference/simulateauthorization.md): Simulate an `authorization` type transaction by including the `card_token` and other authorization details in your request.
- [Simulate authorization advice](https://docs.synctera.com/v2/reference/simulateauthorizationadvice.md): An authorization advice allows an amount to be decreased after the authorization. This endpoint allows you to simulate post-swipe adjustments.
- [Simulate balance inquiry](https://docs.synctera.com/v2/reference/simulatebalanceinquiry.md): Simulate a `pindebit.balanceinquiry` type transaction by sending a POST request to the `/simulate/financial/balanceinquiry` endpoint.
- [Create a cash deposit transaction simulation for a barcode](https://docs.synctera.com/v2/reference/simulatebarcodesdeposits.md): > ⚠️ Sandbox Only > This simulation endpoint is only available in sandbox environments and will not be available in production. Create a cash deposit transaction simulation for a barcode
- [Retrieve Store Information for Barcode Simulation](https://docs.synctera.com/v2/reference/simulatebarcodesstores.md): > ⚠️ Sandbox Only > This simulation endpoint is only available in sandbox environments and will not be available in production. Retrieve store information for a barcode transaction simulation
- [Simulate Card Fulfillment Event](https://docs.synctera.com/v2/reference/simulatecardfulfillmentevent.md): This endpoint is for testing environment only to trigger a simulated change in card fulfillment status event
- [Simulate clearing or refund](https://docs.synctera.com/v2/reference/simulateclearing.md): Simulate an `authorization.clearing` type transaction by including the `original_transaction_token` and `amount` in your request. To simulate a refund type transaction, set the `is_refund` field to true.
- [Simulate a network dispute action](https://docs.synctera.com/v2/reference/simulatedisputeaction.md): > 🚧 Beta > This is a Beta endpoint. Feedback from the community is welcome. Any breaking changes to this endpoint will be pre-announced.
- [Simulate financial](https://docs.synctera.com/v2/reference/simulatefinancial.md): A "financial" is a transaction message class that includes ATM transactions, PIN-debit transactions, and balance inquiries.
- [Simulate financial advice](https://docs.synctera.com/v2/reference/simulatefinancialadvice.md): Simulate a financial advice by including the `original_transaction_token` and other authorization details in JSON format in the body of the request.
- [Simulate L2l3](https://docs.synctera.com/v2/reference/simulatel2l3.md): > 🚧 Alpha > This is a Alpha endpoint. Feedback from the community is welcome. We may make breaking changes to this endpoint.
- [Simulate OCT](https://docs.synctera.com/v2/reference/simulateoriginalcredit.md): This Original Credit Transaction (OCT) enables the cardholder to receive funds on the specified card from an external source via the card network. Use this endpoint to simulate a transaction that is similar to a wire transfer and not linked to any purchase.
- [Simulate reversal](https://docs.synctera.com/v2/reference/simulatereversal.md): A reversal releases the hold that was placed on account funds by an authorization, thus returning the funds to the account.
- [Simulate ATM withdrawal](https://docs.synctera.com/v2/reference/simulatewithdrawal.md): Simulate a `pindebit.atm.withdrawal` type transaction by including the `card_token` and `amount` in your request.
- [Sync external accounts through a vendor, such as Plaid.](https://docs.synctera.com/v2/reference/syncvendorexternalaccounts.md): Sync external accounts for a customer through an existing access token. The token must be valid, and the information on the accounts returned by the vendor must correspond to the customer. A success response for this route may include failures if an account could not be added and deletions if the ac…
- [Trigger an event](https://docs.synctera.com/v2/reference/triggerevent.md): Trigger an specific event for webhook testing purpose
- [Update account](https://docs.synctera.com/v2/reference/updateaccount.md): > Deprecated. Please use PATCH /v0/accounts. This route only supports types CHECKING and SAVING.
- [Update account closure](https://docs.synctera.com/v2/reference/updateaccountclosure.md): Update an account closure.
- [Update account relationship](https://docs.synctera.com/v2/reference/updateaccountrelationship.md): Update account relationship. Only relationship_type can be updated. customer_id should not be modified.
- [Update account template](https://docs.synctera.com/v2/reference/updateaccounttemplate.md): Update account template
- [Update address information by id](https://docs.synctera.com/v2/reference/updateaddress.md): Update address
- [Update a monitoring alert](https://docs.synctera.com/v2/reference/updatealert.md)
- [Update a barcode](https://docs.synctera.com/v2/reference/updatebarcode.md): Update a barcode
- [Update Batch Payment](https://docs.synctera.com/v2/reference/updatebatchpayment.md): Update a Batch Payment
- [Update Batch Payment Template](https://docs.synctera.com/v2/reference/updatebatchpaymenttemplate.md): Update a Batch Payment template
- [Patch business](https://docs.synctera.com/v2/reference/updatebusiness.md): Update business by ID.
- [Update Card](https://docs.synctera.com/v2/reference/updatecard.md): Integrators can update the card resource to change status, update shipping (if the card hasn't been shipped) or edit metadata.
- [Update Card Image Details](https://docs.synctera.com/v2/reference/updatecardimagedetails.md): Update card image details. The only detail that can be updated is the card status as APPROVED or REJECTED.
- [Update Digital Wallet Token's life cycle status](https://docs.synctera.com/v2/reference/updatedigitalwallettokenstatus.md): The status of a digital wallet token can be updated as, ACTIVE to SUSPENDED, SUSPENDED to ACTIVE, ACTIVE to TERMINATED or SUSPENDED to TERMINATED.
- [Update a dispute](https://docs.synctera.com/v2/reference/updatedispute.md): Update a dispute.
- [Update a document](https://docs.synctera.com/v2/reference/updatedocument.md): Update attributes of the latest document version.
- [Patch an external account](https://docs.synctera.com/v2/reference/updateexternalaccount.md): Edits an unverified external account, given an external account ID.
- [Update External Card](https://docs.synctera.com/v2/reference/updateexternalcard.md): Update External Card data
- [Update Gateway](https://docs.synctera.com/v2/reference/updategateway.md): Update Authorization Gateway configuration
- [Update an internal transfer](https://docs.synctera.com/v2/reference/updateinternaltransferbyid.md): Update an internal transfer.
- [Update person](https://docs.synctera.com/v2/reference/updateperson.md): Update person by ID.
- [Update a personal identifier](https://docs.synctera.com/v2/reference/updatepersonalid.md): Update a personal identifier, e.g. SSN, for this customer
- [Update relationship](https://docs.synctera.com/v2/reference/updaterelationship.md): Update relationship by ID.
- [Update Spend Control](https://docs.synctera.com/v2/reference/updatespendcontrol.md): Update spend control
- [Update an Outgoing Synctera Pay Transfer](https://docs.synctera.com/v2/reference/updatesyncterapaytransfer.md): Update an Outgoing Synctera Pay transfer > 🚧 Beta > This is a Beta endpoint. Feedback from the community is welcome. Any breaking changes to this endpoint will be pre-announced.
- [Update 3DS Decision Gateway](https://docs.synctera.com/v2/reference/updatethreedsgateway.md): Update 3DS Decision Gateway
- [Update a webhook](https://docs.synctera.com/v2/reference/updatewebhook.md): Update a webhook
- [Upload Card Image](https://docs.synctera.com/v2/reference/uploadcardimagedata.md): Upload card image data
- [Verify a customer's identity](https://docs.synctera.com/v2/reference/verify.md): Initiate identity verification and run the specified identity checks.
- [Check if an individual is on any watchlists](https://docs.synctera.com/v2/reference/verifyadhoc.md)
- [Wipeworkspace](https://docs.synctera.com/v2/reference/wipeworkspace.md)
- [Simulate receiving Wire transfer return](https://docs.synctera.com/v2/reference/wirereturnsimulation.md): Use to simulate receiving a Wire transfer return in test environments. Creates an incoming Wire file with a single return entry based on a previously created outgoing transaction. The file gets automatically processed.
- [Simulate receiving Wire transaction](https://docs.synctera.com/v2/reference/wiretransactionsimulation.md): Use to simulate receiving Wire transaction in test environments. Creates an incoming Wire file, which gets automatically processed.

## OpenAPI Specs

- [openapi](https://docs.synctera.com/openapi.json)
- [openapi-v2](https://docs.synctera.com/openapi-v2.json)
- [openapi-v1](https://docs.synctera.com/openapi-v1.json)

## Optional

- [Postman Collection](https://www.postman.com/synctera/workspace/synctera-public-workspace/)
- [Blog](https://synctera.com/blog)
- [Platform Status](https://status.synctera.com/)