> ## Documentation Index > Fetch the complete documentation index at: https://docs.synctera.com/llms.txt > Use this file to discover all available pages before exploring further. # Create an account product > Create an account product. Rates cannot be nil or empty. The FEE account product has been deprecated. Instead, use the /v1/fee_templates and /v1/fees endpoints. ## OpenAPI ````yaml openapi.json post /accounts/products openapi: 3.0.3 info: description: >- This is the official reference documentation for Synctera APIs. If you need something specific or have a question, contact us.

license: name: Apache 2.0 url: https://www.apache.org/licenses/LICENSE-2.0.html title: Synctera API version: 0.217.0 servers: - description: Sandbox (no real world financial impact) url: https://api-sandbox.synctera.com/v0 - description: Production url: https://api.synctera.com/v0 security: - bearerAuth: [] tags: - description: Lookup merchant information name: Merchants - description: Requests to generate simulated webhooks name: Card Webhook Simulations - description: >- Account programs define configurations for payment rails and transaction capabilities across different account types. name: Account Programs - description: Simulate receiving ACH transactions and returns name: ACH Transaction Simulations - description: Requests for risk evaluation and decisioning name: Risk Evaluations - description: Requests to link and manage External Cards name: External Cards - description: | The disclosures resource is used to track the status of disclosures and ensure that all parties have been shown the necessary disclosures to meet regulatory obligations. name: Disclosures - description: Create and manage Cash Order and Cash Deposit transfers name: Cash Orders and Deposits (alpha) - description: Requests to initiate customer verification. name: KYC Verification (deprecated) - description: Request to create and manage users name: Users - description: See balance history name: BalanceHistory - description: >- Migration mappings associate resources from an old tenant identity with a new tenant identity. name: Migration Mappings - description: | The External Account resource is used for managing links to accounts that operate outside of the Synctera ecosystem. name: External Accounts - description: Requests to create and manage account products, including fees, interest. name: Account Products - description: Requests to create and manage webhooks name: Webhooks - description: Create and manage documents. name: Documents - description: >- Create and manage same currency and multi-currency international wire transfers name: International Wires (alpha) - description: Requests for transaction risk detection name: Transaction risk - description: >- Used to configure bank accounts for which synctera accounts are considered a "subledger" to name: Bank Account - description: Request to create and manage party groups and party group members name: Party Groups - description: Requests to manage addresses name: Addresses - description: Requests to manage monitoring subscriptions and alerts for customers. name: Monitoring - description: Requests to search and manage compliance searches name: Compliance Searches - description: Requests to create and manage customers name: Customers - description: | The internal account resource is used for managing links to internal accounts where the funds are managed by integrators. name: Internal Accounts - description: Create and manage spending controls name: Spend Controls - description: Retrieve user identity information name: Identity - description: Requests to manage banks name: Banks - description: | The Disclosures resource is used to track the status of disclosures and ensure that customers have been shown the necessary disclosures to meet regulatory obligations. name: Disclosures (deprecated) - description: Create and manage wire transfers name: Wires - description: Requests to issue and manage Cards name: Cards - description: Request to create and manage edd name: Trust - description: Request to enroll, renew, or cancel watchlist monitors name: Watchlist (deprecated) - description: Endpoints for modifying or fetching posting dates name: Posting Dates - description: Transaction lines API name: transactions - description: Request to create and manage accounts name: Accounts - description: Requests to create and manage notes name: Notes - description: Account Template name: Account Templates - description: API for effective balances name: effective_balances - description: Requests to create and manage personal ID configurations name: Personal ID Configuration - description: > A natural person (individual human) that is relevant to the Synctera platform in some way: e.g. a personal customer or a director/officer/owner of a business. name: Persons - description: > Represents the relationships between parties. A relationship can exist between personal customers, business customers, or non-customer persons/organizations. name: Relationships - description: > A legal entity (corporation, partnership, etc.) that is relevant to the Synctera platform in some way: a business customer or some other organization that has an ownership share in such a business customer. name: Businesses - description: Request to create and manage payment_schedules name: Cronut - description: Requests to manage partners name: Partners - description: Request to create and manage deposits using remote deposit capture name: Remote Check Deposit - description: Requests to create and manage API keys name: API Keys - description: Requests to create and manage ban rules name: Ban Rules - description: Admin API for Middesk configuration using the tenants API keys. name: Middesk - description: Request to create and manage exclusions name: Stately - description: Request to create and manage partner configurations name: Quickstart - description: Manage contacts for bank and fintech partners name: Contacts - description: Create and manage transactions name: Transactions - description: Request to create and manage rdc configurations name: RDC Config - description: Create and manage holds name: Hold - description: Requests to create and manage roles name: Roles - description: Simulate receiving Wire transactions and returns name: Wire Transaction Simulations - description: Requests to create licenses name: Licenses - description: Requests to Admins to grant permissions to user name: Request Permissions - description: Configure vendor secrets for egress requests name: Egress Gateway Vendor Secret CRUD API - description: Requests to screen parties against sanctions watchlists name: Sanctions Screening - description: Create and manage payments name: ACH - description: Requests to calculate and manage CRR name: CRR - description: Requests to search financial institutions name: Institutions (Beta) - description: Create and manage tenant configurations name: Tenant Configs - description: Create and manage sweep configurations name: Configs - description: > Represents the compliance rules that are used to verify certain kinds of money movement. name: Compliance Rules - description: Configure webhook secrets for egress requests name: Egress Gateway Webhook Secret CRUD API - description: Create and manage transactions name: Transactions (internal) - description: History name: History - description: Create and manage EFT Canada transfers name: EFT Canada (Beta) - description: Requests to generate simulated transactions name: Card Transaction Simulations - description: Requests to initiate customer verification. name: KYC/KYB Verifications paths: /accounts/products: summary: Account products post: tags: - Accounts summary: Create an account product description: > Create an account product. Rates cannot be nil or empty. The FEE account product has been deprecated. Instead, use the /v1/fee_templates and /v1/fees endpoints. operationId: createAccountResourceProduct parameters: - $ref: '#/components/parameters/idempotency_key' requestBody: content: application/json: schema: $ref: '#/components/schemas/account_product' description: Account product to create required: true responses: '201': content: application/json: schema: $ref: '#/components/schemas/account_product' description: Account product created components: parameters: idempotency_key: description: >- An idempotency key is an arbitrary unique value generated by client to detect subsequent retries of the same request. It is recommended that a UUID or a similar random identifier be used as an idempotency key. A different key must be used for each request, unless it is a retry. in: header name: Idempotency-Key schema: example: 7d943c51-e4ff-4e57-9558-08cab6b963c7 type: string schemas: account_product: discriminator: mapping: FEE: $ref: '#/components/schemas/fee' INTEREST: $ref: '#/components/schemas/interest' propertyName: product_type oneOf: - $ref: '#/components/schemas/interest' - $ref: '#/components/schemas/fee' type: object fee: properties: amount: description: Fee amount format: int64 type: integer currency: description: Fee currency code in ISO 4217 pattern: ^[A-Z]{3}$ type: string fee_type: description: Fee type enum: - ACH_FEE - ANNUAL_FEE - ATM_WITHDRWAL_FEE - MONTHLY_FEE - OVERDRAFT_FEE - WIRE_FEE type: string id: description: Fee ID format: uuid readOnly: true type: string product_type: enum: - FEE - INTEREST type: string required: - amount - currency - fee_type - product_type type: object interest: properties: accrual_payout_schedule: $ref: '#/components/schemas/accrual_payout_schedule' calculation_method: $ref: '#/components/schemas/calculation_method' description: description: User provided description for the current interest. example: The rate is designed for high interest saving account. type: string id: description: Interest ID format: uuid readOnly: true type: string product_type: enum: - FEE - INTEREST type: string rates: $ref: '#/components/schemas/rates' required: - accrual_payout_schedule - calculation_method - product_type - rates type: object accrual_payout_schedule: enum: - MONTHLY - NONE type: string calculation_method: enum: - COMPOUNDED_DAILY - COMPOUNDED_MONTHLY type: string rates: description: > A list of interest rate. Date intervals between valid_from and valid_to expect to have no overlap. items: $ref: '#/components/schemas/rate_details' type: array rate_details: description: One rate window for an account product. properties: accrual_period: description: > How often interest gets calculated against the balance. Note: although two options are displayed here, only DAILY is supported at the moment. enum: - DAILY - MONTHLY type: string rate: description: Rate in basis points. E.g. 5 represents 0.05% format: int32 minimum: 0 type: integer valid_from: description: Rate effective start date. Inclusive. format: date type: string valid_to: description: Rate effective end date. Exclusive. format: date type: string required: - accrual_period - rate - valid_from type: object securitySchemes: bearerAuth: bearerFormat: api_key scheme: bearer type: http ````