> ## 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. # Update account closure > Update an account closure. ## OpenAPI ````yaml openapi.json patch /accounts/{account_id}/initiate_closure 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: 0.213.0 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/{account_id}/initiate_closure: summary: Accounts patch: tags: - Accounts summary: Update account closure description: | Update an account closure. operationId: updateAccountClosure parameters: - $ref: '#/components/parameters/idempotency_key' - $ref: '#/components/parameters/account_id_path' requestBody: content: application/json: schema: $ref: '#/components/schemas/account_closure_update_request' description: Account to close required: true responses: '200': content: application/json: schema: $ref: '#/components/schemas/account_generic_response' description: Account to close '401': $ref: '#/components/responses/unauthorized' '403': $ref: '#/components/responses/forbidden' '404': $ref: '#/components/responses/not_found' '422': $ref: '#/components/responses/unprocessable_entity' '500': $ref: '#/components/responses/internal_server_error' 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 account_id_path: description: Unique identifier for the account. in: path name: account_id required: true schema: example: 57826c51-e4ff-4e57-9558-08cab6b963c7 format: uuid type: string schemas: account_closure_update_request: description: >- Account closing details when attempting to close an account and status is being changed to `IN_CLOSING`. properties: destination_id: description: internal/external/customer account ID, depending on payment_method format: uuid nullable: true type: string payment_method: $ref: '#/components/schemas/account_closure_payment_method' type: object account_generic_response: properties: access_status: $ref: '#/components/schemas/account_access_status' access_status_last_updated_time: description: >- Timestamp of the last modification of the access_status. RFC3339 format. format: date-time readOnly: true type: string account_closure: $ref: '#/components/schemas/account_closure_response' account_number: description: Account number maxLength: 50 readOnly: true type: string account_number_masked: description: >- The response will contain the bank fintech ID (3 or 6 digits) plus the last 4 digits, with the digits in between replaced with * characters. Shadow mode account numbers will not be masked. example: 123*****6789 maxLength: 50 readOnly: true type: string account_program_id: format: uuid type: string x-go-type: openapi_types.UUID account_purpose: description: Purpose of the account example: This account for the account holder's salary deposit. type: string account_template_id: description: | The account template used to create this account (if any). On creation, if not specified: * `account_type` is *required*. * If there is a single account template of the correct type, that account template is automatically used. * Otherwise, the request is an error. format: uuid type: string account_type: $ref: '#/components/schemas/account_type' application_id: description: | The application ID for this account. format: uuid type: string auto_payment_period: description: > The number of days past the billing period to initiate an auto payment. Only applicable for accounts with type `CHARGE_SECURED`, where the account holder has opted in for auto payment functionality. This value must be lower than or equal to the `grace_period` setting on the account. If this value is 0, the auto payment will happen on the same day as the statement is generated. Auto payment only occurs if regular payments are not received on time. example: 20 maximum: 28 minimum: 0 type: integer balance_ceiling: $ref: '#/components/schemas/balance_ceiling' balance_floor: $ref: '#/components/schemas/balance_floor' balances: description: A list of balances for account based on different type items: $ref: '#/components/schemas/balance' readOnly: true type: array bank_account_id: description: Identifier of the bank side account that this account is a part of readOnly: true type: string bank_routing: description: Bank routing number maxLength: 9 readOnly: true type: string billing_period: $ref: '#/components/schemas/billing_period' business_ids: description: A list of the business IDs of the account holders. items: format: uuid type: string readOnly: true type: array close_date: description: >- The account close date. This is the bank's posting date when the account resource's status was changed to CLOSED or CHARGED_OFF. format: date readOnly: true type: string creation_time: description: Account creation timestamp in RFC3339 format format: date-time readOnly: true type: string credit_limit: description: > The credit limit for this line of credit account in cents. Minimum is 0. example: 2500 format: int64 minimum: 0 type: integer currency: description: >- Account currency or account settlement currency. ISO 4217 alphabetic currency code. Default USD example: USD pattern: ^[A-Z]{3}$ type: string customer_ids: description: A list of the customer IDs of the account holders. items: format: uuid type: string readOnly: true type: array customer_type: $ref: '#/components/schemas/customer_type' days_past_due: description: >- The number of days since the account went past due on their minimum payments. type: integer exchange_rate_type: description: Exchange rate type example: M, INTERBANK, CUST maxLength: 10 type: string fee_product_ids: description: >- A list of fee account products that the current account associates with. items: format: uuid type: string nullable: true type: array funds_ownership: $ref: '#/components/schemas/funds_ownership' general_ledger_category: $ref: '#/components/schemas/general_ledger_category' general_ledger_type: $ref: '#/components/schemas/general_ledger_type' grace_period: $ref: '#/components/schemas/grace_period' iban: description: International bank account number maxLength: 34 type: string id: description: Account ID format: uuid readOnly: true type: string in_closing_date: description: >- The account in-closing date. This is the bank's posting date when the account resource's status was changed to IN_CLOSING. format: date readOnly: true type: string interest_product_id: description: >- An interest account product that the current account associates with. format: uuid type: string is_account_pool: description: >- Account is investment (variable balance) account or a multi-balance account pool. Default false type: boolean is_ach_credit_enabled: description: >- A flag to indicate whether ACH credits are enabled. Both is_ach_enabled and is_ach_credit_enabled must be true for an ACH credit to be allowed. readOnly: true type: boolean is_ach_debit_enabled: description: >- A flag to indicate whether ACH debits are enabled. Both is_ach_enabled and is_ach_debit_enabled must be true for an ACH debit to be allowed. readOnly: true type: boolean is_ach_enabled: description: A flag to indicate whether ACH transactions are enabled. readOnly: true type: boolean is_card_credit_enabled: description: >- A flag to indicate whether card credits are enabled. Both is_card_enabled and is_card_credit_enabled must be true for a card credit to be allowed. readOnly: true type: boolean is_card_debit_enabled: description: >- A flag to indicate whether card debits are enabled. Both is_card_enabled and is_card_debit_enabled must be true for a card debit to be allowed. readOnly: true type: boolean is_card_enabled: description: A flag to indicate whether card transactions are enabled. readOnly: true type: boolean is_cash_credit_enabled: description: >- A flag to indicate whether cash credits are enabled. Both is_cash_enabled and is_cash_credit_enabled must be true for a cash credit to be allowed. readOnly: true type: boolean is_cash_debit_enabled: description: >- A flag to indicate whether cash debits are enabled. Both is_cash_enabled and is_cash_debit_enabled must be true for a cash debit to be allowed. readOnly: true type: boolean is_cash_enabled: description: A flag to indicate whether cash transactions are enabled. readOnly: true type: boolean is_check_credit_enabled: description: >- A flag to indicate whether check credits are enabled. Both is_check_enabled and is_check_credit_enabled must be true for a check credit to be allowed. readOnly: true type: boolean is_check_debit_enabled: description: >- A flag to indicate whether check debits are enabled. Both is_check_enabled and is_check_debit_enabled must be true for a check debit to be allowed. readOnly: true type: boolean is_check_enabled: description: A flag to indicate whether check transactions are enabled. readOnly: true type: boolean is_eft_ca_credit_enabled: description: >- A flag to indicate whether EFT Canada credits are enabled. Both is_eft_ca_enabled and is_eft_ca_credit_enabled must be true for an EFT Canada credit to be allowed. readOnly: true type: boolean is_eft_ca_debit_enabled: description: >- A flag to indicate whether EFT Canada debits are enabled. Both is_eft_ca_enabled and is_eft_ca_debit_enabled must be true for an EFT Canada debit to be allowed. readOnly: true type: boolean is_eft_ca_enabled: description: A flag to indicate whether EFT Canada transactions are enabled. readOnly: true type: boolean is_external_card_credit_enabled: description: >- A flag to indicate whether external card credits are enabled. Both is_external_card_enabled and is_external_card_credit_enabled must be true for an external card credit to be allowed. readOnly: true type: boolean is_external_card_debit_enabled: description: >- A flag to indicate whether external card debits are enabled. Both is_external_card_enabled and is_external_card_debit_enabled must be true for an external card debit to be allowed. readOnly: true type: boolean is_external_card_enabled: description: A flag to indicate whether external card transactions are enabled. readOnly: true type: boolean is_fednow_credit_enabled: description: >- A flag to indicate whether FedNow credits are enabled. Both is_fednow_enabled and is_fednow_credit_enabled must be true for a FedNow credit to be allowed. readOnly: true type: boolean is_fednow_debit_enabled: description: >- A flag to indicate whether FedNow debits are enabled. Both is_fednow_enabled and is_fednow_debit_enabled must be true for a FedNow debit to be allowed. readOnly: true type: boolean is_fednow_enabled: description: A flag to indicate whether FedNow transactions are enabled. readOnly: true type: boolean is_p2p_enabled: description: A flag to indicate whether P2P transactions are enabled. readOnly: true type: boolean is_sar_enabled: description: A flag to indicate whether SAR generation is enabled. readOnly: true type: boolean is_security: description: >- A flag to indicate whether this account is being used as security for another account. readOnly: true type: boolean is_synctera_pay_credit_enabled: description: >- A flag to indicate whether Synctera Pay credits are enabled. Both is_synctera_pay_enabled and is_synctera_pay_credit_enabled must be true for a Synctera Pay credit to be allowed. readOnly: true type: boolean is_synctera_pay_debit_enabled: description: >- A flag to indicate whether Synctera Pay debits are enabled. Both is_synctera_pay_enabled and is_synctera_pay_debit_enabled must be true for a Synctera Pay debit to be allowed. readOnly: true type: boolean is_synctera_pay_enabled: description: A flag to indicate whether Synctera Pay transactions are enabled. readOnly: true type: boolean is_system_auto_pay_enabled: description: A flag to indicate whether auto pay feature is enabled. type: boolean is_wire_credit_enabled: description: >- A flag to indicate whether wire credits are enabled. Both is_wire_enabled and is_wire_credit_enabled must be true for a wire credit to be allowed. readOnly: true type: boolean is_wire_debit_enabled: description: >- A flag to indicate whether wire debits are enabled. Both is_wire_enabled and is_wire_debit_enabled must be true for a wire debit to be allowed. readOnly: true type: boolean is_wire_enabled: description: A flag to indicate whether wire transactions are enabled. readOnly: true type: boolean last_updated_time: description: Timestamp of the last account modification in RFC3339 format format: date-time readOnly: true type: string metadata: description: User provided account metadata type: object minimum_payment: $ref: '#/components/schemas/minimum_payment' nickname: description: User provided account nickname type: string open_date: description: >- The account open date. This is the bank's posting date when the account resource was created. format: date readOnly: true type: string overdraft_limit: deprecated: true description: | This field is unused and will be removed in a future API version. format: int64 minimum: 0 type: integer restrictions: $ref: '#/components/schemas/account_restrictions' reward_product_ids: description: >- A list of reward account products that the current account associates with. items: format: uuid type: string nullable: true type: array security: $ref: '#/components/schemas/security' spend_control_ids: $ref: '#/components/schemas/spend_control_ids' spending_limits: $ref: '#/components/schemas/spending_limits' status: $ref: '#/components/schemas/account_status' stop_payments: items: $ref: '#/components/schemas/stop_payment' readOnly: true type: array swift_code: description: SWIFT code maxLength: 11 minLength: 8 type: string tenant: $ref: '#/components/schemas/tenant_id' vendor_info: $ref: '#/components/schemas/vendor_info_response' type: object account_closure_payment_method: description: > Payment method for the final payment if the account being closed carries a balance. enum: - ACH - BANK_DRAFT - INTERNAL_TRANSFER_TO_CUSTOMER_ACCOUNT - INTERNAL_TRANSFER_TO_INTERNAL_ACCOUNT nullable: true type: string account_access_status: description: >- Represents whether a customer has frozen their account. `FROZEN` is a customer-initiated state meaning that the account will reject all debits, typically used for a lost or stolen card. enum: - ACTIVE - FROZEN type: string account_closure_response: description: >- Account closing details when attempting to close an account and status is being changed to `IN_CLOSING`. properties: cases: description: Cases associated with the account closure items: $ref: '#/components/schemas/case' type: array destination_id: description: internal/external/customer account ID, depending on payment_method format: uuid nullable: true type: string payment_method: $ref: '#/components/schemas/account_closure_payment_method' reason: $ref: '#/components/schemas/account_closure_reason' reason_details: description: Additional details about the reason for closing the account type: string validation_responses: items: $ref: '#/components/schemas/account_closure_validation_response' type: array required: - destination_id - payment_method - reason - reason_details type: object account_type: description: > The type of the account. In lead mode, this always takes the value of the template. If not specified in shadow mode, CHECKING will be assumed. Below mentioned are the account types: * SAVING: Savings account * CHECKING: Checking account * PREPAID: Prepaid account * LINE_OF_CREDIT: Line of Credit account * CREDIT_CARD: Credit Card account * CHARGE_SECURED: Secured Charge account, e.g. for use in a Smart Charge Card offering * CHARGE_UNSECURED: (alpha) Unsecured Charge account * REVOLVING_CREDIT_SECURED: Secured Revolving Credit account * REVOLVING_CREDIT_UNSECURED: Unsecured Revolving Credit account * GENERAL_LEDGER: General Ledger account (alpha - cannot yet be created). In production, these can only be created or updated by a Synctera administrator. enum: - CHARGE_SECURED - CHARGE_UNSECURED - CHECKING - CREDIT_CARD - GENERAL_LEDGER - LINE_OF_CREDIT - PREPAID - REVOLVING_CREDIT_SECURED - REVOLVING_CREDIT_UNSECURED - SAVING title: Account Type type: string balance_ceiling: properties: balance: description: Maximum balance in the account's currency. Unit in cents. format: int64 minimum: 0 type: integer linked_account_id: description: > ID of linked backing account for just-in-time (JIT) funding of transactions to maintain the balance ceiling format: uuid type: string overflow_account_id: deprecated: true description: > ID of linked backing account for just-in-time (JIT) funding of transactions to maintain the balance ceiling This attribute is a deprecated alias for linked_account_id. format: uuid type: string required: - balance type: object balance_floor: properties: balance: description: Minimum balance in the account's currency. Unit in cents. format: int64 type: integer linked_account_id: description: > ID of linked backing account for just-in-time (JIT) funding of transactions to maintain the balance floor format: uuid type: string overdraft_account_id: deprecated: true description: > ID of linked backing account for just-in-time (JIT) funding of transactions to maintain the balance floor This attribute is a deprecated alias for linked_account_id. format: uuid type: string required: - balance type: object balance: properties: balance: description: balance in ISO 4217 minor currency units. Unit in cents. example: 2399 format: int64 readOnly: true type: integer type: $ref: '#/components/schemas/balance_type' required: - balance - type type: object billing_period: description: | The scheme for determining an account's billing period. properties: frequency: $ref: '#/components/schemas/billing_frequency' start_date: description: > The first day of the first billing cycle for this account. For a monthly billing cycle, this would determine the day of the month each billing cycle will start on. Note that, although this is returned as a UTC timestamp, the date always corresponds to the bank's calendar, and therefore the time and timezone should be ignored. example: '2022-01-01T00:00:00Z' format: date-time type: string required: - frequency - start_date type: object customer_type: description: Customer type enum: - BUSINESS - PERSONAL readOnly: true title: Customer Type type: string funds_ownership: description: > An account's funds ownership indicates which organization owns the funds in the account. For example, some GENERAL_LEDGER accounts have funds owned by the bank, even though the account is in the fintech tenant. Fintechs are not able to perform money movement on accounts where the bank or platform owns the funds. This read-only property is determined by the account_type and general_ledger_type. enum: - BANK - FINTECH - PLATFORM title: Funds Ownership type: string general_ledger_category: description: >- The category of the general ledger account. This read-only property is determined by the general_ledger_type. enum: - CORE - PROFIT_AND_LOSS - RESERVE - SETTLEMENT - SUSPENSE - TREASURY type: string general_ledger_type: description: >- The type of general ledger account. This is required when creating a general ledger account. enum: - ACH_SETTLEMENT - ACH_SUSPENSE - ALLOCATED_SUSPENSE - BANK_DRAFT - BILLING_EXPENSE - BILLING_REVENUE - CARD_AFT_PREFUNDING - CARD_OCT_SETTLEMENT - CARD_SETTLEMENT - CASH_SETTLEMENT - CASH_SUSPENSE - CHECK_SETTLEMENT - DISPUTE_WRITE_OFF_PNL - EFT_CA_SETTLEMENT - EFT_CA_SUSPENSE - EXTERNAL_CARD_AFT_SETTLEMENT - EXTERNAL_CARD_OCT_SETTLEMENT - FEDNOW_SETTLEMENT - FEES - FRAUD_LOSSES - FUNDING_ACCOUNTS - GENERAL_PNL - INTEREST_PAYOUT - INTERNATIONAL_WIRE_SETTLEMENT - IN_STORE_CASH_SETTLEMENT - LOC_INTEREST_INCOME - LOC_INVESTOR_PORTFOLIO - LOC_REPURCHASE - MONEY_IN_AND_OUT - NEGATIVE_BALANCE - NETWORK_ADJUSTMENT - NETWORK_CHARGEBACK - NEW_FUNDING_ACCOUNT - PROVISIONAL_CREDIT_PNL - RESERVE - REWARDS - SC_INVESTOR_PORTFOLIO - SC_REPURCHASE - SYNCTERA_PAY_SUSPENSE - USC_INTEREST_INCOME - USC_INVESTOR_PORTFOLIO - USC_REPURCHASE - WIRE_SETTLEMENT - WIRE_SUSPENSE - WRITE_OFF type: string grace_period: description: > The number of days past the billing period to allow for payment before it is considered due. This directly determines the due date for a payment. minimum: 1 type: integer minimum_payment: description: > The scheme for calculating the minimum payment due for outstanding balances in a billing period. discriminator: mapping: FULL: $ref: '#/components/schemas/minimum_payment_type_full' RATE_OR_AMOUNT: $ref: '#/components/schemas/minimum_payment_type_rate_or_amount' propertyName: type oneOf: - $ref: '#/components/schemas/minimum_payment_type_rate_or_amount' - $ref: '#/components/schemas/minimum_payment_type_full' type: object account_restrictions: description: Conditions that restrict the use of the account. properties: is_account_out_of_area: description: > A flag to indicate whether any of the account holders of the account are out of the supported countries. Can only be set by the Synctera platform. type: boolean is_delinquent: description: > A flag to indicate whether a credit account is greater than 30 days past due on minimum payments. Delinquent accounts will be unable to spend until overdue amount is paid. Can only be set by the Synctera platform. type: boolean is_past_due: description: > A flag to indicate whether a credit account is past due on minimum payments. Can only be set by the Synctera platform. type: boolean is_revoked: description: > A flag to indicates whether a credit account has been revoked (greater than 90 days past due). Revoked accounts will be unable to spend and no longer accrue interest. Can only be set by the Synctera platform. type: boolean type: object security: properties: linked_account_id: description: > ID of linked backing account for use as a security, e.g. for use in a Smart Charge Card offering. Must be of type CHECKING or SAVING. format: uuid type: string required: - linked_account_id type: object spend_control_ids: description: List of spend control IDs to control spending for the account items: example: 7d943c51-e4ff-4e57-9558-08cab6b963c7 format: uuid type: string maxItems: 100 type: array spending_limits: deprecated: true description: >- Account spending limits is unused and has been deprecated. Instead use the spend controls API. properties: day: $ref: '#/components/schemas/spending_limit_with_time' description: description: User provided description on the spending limits type: string lifetime: $ref: '#/components/schemas/spending_limit_with_time' month: $ref: '#/components/schemas/spending_limit_with_time' transaction: description: Individual transaction limit properties: amount: description: Maximum amount allowed. Unit in cents. format: int64 minimum: 0 type: integer type: object week: $ref: '#/components/schemas/spending_limit_with_time' type: object account_status: description: > The status of the account. | Status | Description | Transactable | |------|-----------|-----| | ACCOUNT_NEVER_ACTIVE | Account was never activated by the customer | N | | ACCOUNT_NOT_DESIRED | A credit account was created for a customer, but the customer did not accept the account | N | | ACTIVATED_NOT_DISBURSED | A credit account was created for the customer, but the funds have not been paid out or used | N | | ACTIVE_OR_DISBURSED | The account is active and transactable | Y | | APPLICATION_SUBMITTED | Deprecated status | N | | AWAITING_FIXING | Account is awaiting fixing | N | | CHARGED_OFF | The account has been charged off and is closed | N | | CLOSED | Accounts must be zeroed out before being closed. Closed accounts cannot transact | N | | DELINQUENT | Synctera will update a credit account to delinquent if the customer has not paid within their expected billing cycle | N | | FAILED_KYC | We were unable to verify the identity of the account holder: they have not passed know-your-customer (KYC) checks | N | | IN_CLOSING | The account is in the process of being closed. An account with the IN_CLOSING status may only be updated to CLOSED. Updates to other statuses are prohibited. | N | | RESTRICTED | Synctera will update accounts to restricted of the account holder has not successfully passed KYC | N | | SUSPENDED | Account has been suspected of fraudulent activity and is blocked from further transactions | N | enum: - ACCOUNT_NEVER_ACTIVE - ACCOUNT_NOT_DESIRED - ACTIVATED_NOT_DISBURSED - ACTIVE_OR_DISBURSED - APPLICATION_SUBMITTED - AWAITING_FIXING - CHARGED_OFF - CLOSED - DELINQUENT - FAILED_KYC - IN_CLOSING - RESTRICTED - SUSPENDED title: Account Status type: string stop_payment: properties: dispute_id: description: ID of the dispute that created the stop payment format: uuid type: string expires_on: description: >- The date when this stop payment is no longer valid. This is only for business accounts. format: date-time type: string originator_name: description: Name of the originator type: string stop_payment_id: format: uuid type: string transaction_id: description: >- If this stop payment was created from a disputed transaction, transaction_id references the posted transaction. format: uuid type: string required: - originator_name - stop_payment_id type: object tenant_id: description: > The id of the tenant containing the resource. This is relevant for Fintechs that have multiple workspaces. example: abcdef_ghijkl type: string vendor_info_response: description: Vendor information for external account management systems properties: vendor_data: $ref: '#/components/schemas/vendor_data_response' vendor_type: $ref: '#/components/schemas/vendor_type' required: - vendor_data - vendor_type type: object error: description: >- Synctera error responses in API v0 follow [RFC 7807](https://datatracker.ietf.org/doc/html/rfc7807). Following that standard, the field for a machine-readable "error code" in API v0 is `type`. In our future API v1, we are phasing out RFC 7807 and adopting a custom error format. That format will be documented in our API v1 spec. But you may see some v0 error responses with a machine-readable `code` field while we are making the transition from v0 to v1. properties: code: description: >- An optional “sneak preview” of our future API v1 error responses. This is provided to give integrators a chance to work with our future error codes. Error codes for the same error may change between v0 and v1. example: BAD_REQUEST_BODY type: string detail: description: | A human-readable string explaining this particular error. example: 'missing required fields: first_name, dob' type: string status: description: the HTTP status code for this response example: 400 type: integer title: description: > A human-readable string for this general category of error, which corresponds 1-to-1 with error types (`title` is the human-readable version of `type`). There can be multiple distinct titles for the same HTTP status code, and the same `title` can result in many different `detail` strings. This field will be removed in API v1. example: Bad Request Body type: string type: description: > A machine-readable string that identifies the error for programmatic use. This is a URI, i.e. a globally unique identifier. It is _not_ necessarily a URL, so do not expect it to resolve to a web page. You can use this whole string as an error code, or just everything after the last slash. This field will be removed in API v1. example: https://dev.synctera.com/errors/bad-request-body type: string title: Standard error response (RFC 7807 problem report) type: object case: properties: case_id: description: Case ID type: string case_reason: description: Case Reason type: string required: - case_id - case_reason type: object account_closure_reason: description: > The enumerated reason for closing the account. This is a required field when closing an account; the given value will be validated against the caller's permissions. * `BANK_REQUEST_CHARGE_OFF` – A charge-off is when a creditor declares an uncollected debt a loss and removes it from its balance sheet. The account will be closed to new charges and may be sent to a collection agency. * `BANK_REQUEST_WRITE_OFF` - A write-off is when a bank declares an uncollected debt a loss and removes it from its balance sheet. The account will be closed to new charges. enum: - BANK_REQUEST_CHARGE_OFF - BANK_REQUEST_FRAUD - BANK_REQUEST_INACTIVITY - BANK_REQUEST_REDEEMED_OR_REINSTATED_REPOSSESSION - BANK_REQUEST_REGULATORY_REASONS - BANK_REQUEST_WRITE_OFF - CUSTOMER_REQUEST_CREDIT_CARD_LOST_OR_STOLEN - CUSTOMER_REQUEST_REFINANCE - CUSTOMER_REQUEST_TRANSFER - CUSTOMER_REQUEST_VOLUNTARILY_SURRENDERED - PROGRAM_SHUT_DOWN_BANK - PROGRAM_SHUT_DOWN_FINTECH example: BANK_REQUEST_REGULATORY_REASONS type: string account_closure_validation_response: description: Account closure validation response properties: details: type: object message: description: Validation message example: Cards decoupled from account type: string name: description: Name example: cards type: string validated: description: Validation result example: true type: boolean required: - details - message - name - validated type: object balance_type: description: > * `ACCOUNT_BALANCE`: The posted balance of the account. For a banking account, e.g. `CHECKING` or `SAVING`, this is a measure of the sum of credits minus debits for all posted transactions. For a lending account, e.g. `CHARGE_SECURED` or `LINE_OF_CREDIT`, this is a measure of the sum of debits minus credits for all posted transactions. This value can be negative. * `AVAILABLE_BALANCE`: The available balance of the account, which is the amount available to spend, or the spending power. For a banking account, e.g. `CHECKING` or `SAVING`, this is a measure of the account balance minus any pending debits. For an unsecured lending account, e.g. `CHARGE_UNSECURED` or `LINE_OF_CREDIT`, this is a measure of available credit, which is its credit limit minus the account balance, minus any pending debits. For a `CHARGE_SECURED` account, it equals the `AVAILABLE_BALANCE` of the linked security account. This value will never be negative. * `ACCRUED_INTEREST_MTD`: The amount of accrued but unposted interest. This value may fluctuate, as new transactions can affect interest amounts. Treat accrued interest as pending for the billing month until it is posted at the end of the billing period. * `PAYMENTS_RECEIVED_MTD`: The amount of payment received to date for the billing month. enum: - ACCOUNT_BALANCE - ACCRUED_INTEREST_MTD - AVAILABLE_BALANCE - PAYMENTS_RECEIVED_MTD type: string billing_frequency: description: > The frequency of billing cycles. Along with the start date, this will determine the start and end of each cycle. enum: - ANNUALLY - BI_WEEKLY - DAILY - MONTHLY - SEMI_MONTHLY - WEEKLY type: string minimum_payment_type_full: properties: type: $ref: '#/components/schemas/minimum_payment_type' required: - type type: object minimum_payment_type_rate_or_amount: properties: min_amount: description: > The minimum amount to charge as a minimum payment, in cents. For example, to set the minimum to $30, set this value to 3000. Note: despite setting this value, the minimum payment will never be greater than the statement balance. format: int64 type: integer rate: description: > The percentage of the balance to use, in basis points. For example, to set 12.5% of the balance, set this value to 1250. type: integer type: $ref: '#/components/schemas/minimum_payment_type' required: - min_amount - rate - type type: object spending_limit_with_time: description: Limit over a specific time period. properties: amount: description: Maximum amount allowed within the time range. Unit in cents. format: int64 minimum: 0 type: integer transactions: description: Maximum number of transactions allowed within the time range format: int64 minimum: 0 type: integer type: object vendor_data_response: description: Vendor-specific data properties: loanpro: $ref: '#/components/schemas/loanpro_vendor_data_response' type: object vendor_type: description: The type of vendor managing this account enum: - LOANPRO example: LOANPRO type: string minimum_payment_type: description: > * RATE_OR_AMOUNT: Describes a minimum payment scheme where the amount calculated is either a portion of the balance due, or a fixed, minimum amount, whichever is greater. For example, if set to 1.00% and $30, the minimum payment will be calculated as 1.00% of the balance, or $30, whichever is greatest. However, the minimum payment will never exceed the statement balance. * FULL: Describes a minimum payment scheme where the amount calculated is the entire account balance at the end of the statement period. Note that the choice of minimum payment type is constrained by the account type. enum: - FULL - RATE_OR_AMOUNT type: string loanpro_vendor_data_response: allOf: - $ref: '#/components/schemas/base_loanpro_vendor_data' - properties: daily_archive: $ref: '#/components/schemas/loanpro_daily_archive' type: object description: LoanPro-specific vendor data for account required: - cash_advance_bucket_id - loc_id - loc_product_id - purchases_bucket_id - tenant_id base_loanpro_vendor_data: properties: cash_advance_bucket_id: description: LoanPro cash advance bucket ID example: 67890 format: int64 type: integer loc_id: description: LoanPro line of credit account ID example: 12345 format: int64 type: integer loc_product_id: description: LoanPro line of credit product ID example: 67890 format: int64 type: integer purchases_bucket_id: description: LoanPro purchases bucket ID example: 12345 format: int64 type: integer tenant_id: description: LoanPro tenant ID example: '1' type: string type: object loanpro_daily_archive: description: Daily snapshot data from LoanPro (enriched at read time) properties: archive_date: description: Date of this snapshot example: '2024-01-15' format: date type: string bucket_interest_rates: description: Interest rates for each transaction bucket items: $ref: '#/components/schemas/loanpro_bucket_interest_rate' type: array readOnly: true type: object loanpro_bucket_interest_rate: description: Interest rate for a transaction bucket properties: bucket_display_name: description: Human-readable display name for the bucket example: Purchases type: string bucket_label: description: > Bucket label identifier. Common values include purchase, cash_advances, and balance_transfer, but custom bucket labels may be configured in LoanPro. example: purchase type: string rate_bps: description: Interest rate in basis points (1800 = 18.00% APR) example: 1800 type: integer type: object responses: unauthorized: content: application/problem+json: schema: $ref: '#/components/schemas/error' description: Unauthorized forbidden: content: application/problem+json: schema: $ref: '#/components/schemas/error' description: Forbidden error not_found: content: application/problem+json: schema: $ref: '#/components/schemas/error' description: Resource not found unprocessable_entity: content: application/problem+json: schema: $ref: '#/components/schemas/error' description: Unprocessable entity request response internal_server_error: content: application/problem+json: schema: $ref: '#/components/schemas/error' description: Internal server error securitySchemes: bearerAuth: bearerFormat: api_key scheme: bearer type: http ````