Welcome to the official reference documentation for Synctera APIs. Our APIs are the best way to automate your company's banking needs and are designed to be easy to understand and implement.
We're continuously growing this library and what you see here is just the start, but 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: v2 servers: - description: Production url: https://api.synctera.com/v2 - description: Sandbox (no real world financial impact) url: https://api-sandbox.synctera.com/v2 security: - bearerAuth: [] tags: - description: Create and manage wire transfers name: Wires - description: Simulate receiving Wire transactions and returns name: Wire Transaction Simulations - description: >- Create and manage same currency and multi-currency international wire transfers name: International Wires (alpha) - description: Create and manage payments name: ACH - description: Simulate receiving ACH transactions and returns name: ACH Transaction Simulations - description: Configure vendor secrets for egress requests name: Egress Gateway Vendor Secret CRUD API - description: Configure webhook secrets for egress requests name: Egress Gateway Webhook Secret CRUD API - description: Create and manage documents. name: Documents - description: Create and manage EFT Canada transfers name: EFT Canada (Beta) - description: Create and manage sweep configurations name: Configs - description: Request to create and manage edd name: Trust - description: Requests to calculate and manage CRR name: CRR - description: Requests to issue and manage cards name: Cards - description: Push and pull from cards name: External Cards - description: Bulk card issuance name: Bulk Issuance - description: Requests to generate simulated transactions name: Card Transaction Simulations - description: Requests to generate simulated webhooks name: Card Webhook Simulations - description: Requests to create and manage card disputes name: Card Disputes - description: Requests to simulate card payments name: Card Simulations - description: Create and manage accounts name: Accounts - description: Create and manage transactions name: Transactions (beta) - description: Create and manage spending controls name: Spend Controls (beta) - description: | Requests to create and manage fees name: Fees (beta) - description: | Requests to create and manage Rewards name: Rewards (beta) - description: Create and manage disputes name: Disputes - description: Create and manage tenant-level transaction limits name: Tenant Limits (beta) - description: | Requests to create and manage batch payments name: Batch Payments (alpha) - description: Manage negative balance processes name: Negative Balance - description: | Manage fee products and fee configs for automated fee collection name: Fee Products - description: | Manage reward products and reward configs for automated cashback rewards name: Reward Products - description: Create and manage holds name: Hold - description: Create and manage transactions name: Transactions - description: Create and manage transactions name: Transactions (internal) - description: Create and manage scheduled transactions name: Scheduled Transactions (internal) - description: Create and manage spending controls name: Spend Controls - description: Create and manage tenant configurations name: Tenant Configs - description: Lookup merchant information name: Merchants - description: See balance history name: BalanceHistory - description: API for effective balances name: effective_balances - description: Transaction lines API name: transactions - description: Requests for risk evaluation and decisioning name: Risk Evaluations - description: Requests for transaction risk detection name: Transaction risk - description: Configuration and management of transaction monitoring rules name: Transaction Monitoring - description: Request to create and manage deposits using remote deposit capture name: Remote Check Deposit - description: Request to create and manage rdc configurations name: RDC Config - description: Apple Pay APIs name: Apple Pay - description: Requests to create and manage webhooks name: Webhooks - description: Requests to generate simulated transactions name: Cash Transaction Simulations (alpha) - description: >- Testing endpoints to simulate in-store cash deposits. Available in sandbox environments only. name: In-Store Cash Deposit Simulations - description: Create and manage barcodes for in-store cash deposits name: In-Store Cash Deposits - description: Create and manage Cash Order and Cash Deposit transfers name: Cash Orders and Deposits (alpha) - description: FDX authentication and data transfer using Plaid Core Exchange name: Plaid Core Exchange (beta) - description: Request to create and manage payment_schedules name: Cronut - description: Request to create and manage statements name: Statements - description: Create and manage Synctera Pay templates name: SyncteraPay - description: Account Template name: Account Templates - description: >- Account programs define configurations for payment rails and transaction capabilities across different account types. name: Account Programs - description: Requests to create and manage account products, including fees, interest. name: Account Products - description: | The internal account resource is used for managing links to internal accounts where the funds are managed by integrators. name: Internal Accounts - description: Requests to create and manage API keys name: API Keys - description: Requests to manage banks name: Banks - description: Requests to create and manage customers name: Customers - 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: > 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: > The fintech profile document resource is used to track the approval status of any documents which must be reviewed by a bank. This includes regulatory documents which will be presented to the fintech's end users, and also any documents that help the bank understand the fintech's fitness for duty. name: Fintech Profile - 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: | 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: | The External Account resource is used for managing links to accounts that operate outside of the Synctera ecosystem. name: External Accounts - description: History name: History - description: Requests to initiate customer verification. name: KYC Verification (deprecated) - description: Requests to initiate customer verification. name: KYC/KYB Verifications - description: Requests to screen parties against sanctions watchlists name: Sanctions Screening - description: Requests to manage monitoring subscriptions and alerts for customers. name: Monitoring - description: Requests to manage partners name: Partners - description: Request to create and manage party groups and party group members name: Party Groups - description: Requests to create and manage roles name: Roles - description: > Represents the relationships between parties. A relationship can exist between personal customers, business customers, or non-customer persons/organizations. name: Relationships - description: Request to create and manage users name: Users - description: Request to enroll, renew, or cancel watchlist monitors name: Watchlist (deprecated) - description: Retrieve user identity information name: Identity - description: Endpoints for modifying or fetching posting dates name: Posting Dates - description: Admin API for Middesk configuration using the tenants API keys. name: Middesk - description: Requests to search and manage compliance searches name: Compliance Searches - description: Requests to configure vendors. name: Vendor Configurations - description: Requests to create and manage notes name: Notes - description: > Represents the compliance rules that are used to verify certain kinds of money movement. name: Compliance Rules - description: Requests to create licenses name: Licenses - description: >- Used to configure bank accounts for which synctera accounts are considered a "subledger" to name: Bank Account - description: Requests to search financial institutions name: Institutions (Beta) - description: Requests to manage addresses name: Addresses - description: Requests to Admins to grant permissions to user name: Request Permissions - description: Manage contacts for bank and fintech partners name: Contacts - description: Requests to create and manage personal ID configurations name: Personal ID Configuration - description: >- Migration mappings associate resources from an old tenant identity with a new tenant identity. name: Migration Mappings - description: Create a credit application. name: Applications (beta) - description: Billing period summaries name: Billing Period Summaries - description: Customer Service Details for disputes and billing inquiries name: Customer Service Details - description: Billing rates name: Billing Rates - description: Rates name: Rates - description: Lending Config name: Lending Config - description: Manage credit disputes name: Credit Disputes - description: Payments related to lending accounts name: Payments - description: Tenant Config name: Tenant Config - description: Bank Delinquency Configuration name: Bank Delinquency Configuration - description: >- Per bank/partner account-type mapping to FFIEC collateral codes used for regulatory call report furnishment. name: Collateral Code Configuration - description: >- Rules that map a posted payment transaction (bank/partner + transaction attributes) to a regulatory payment code. NULL match columns act as wildcards. name: Payment Code Configuration - description: Autopay configuration management for lending accounts name: Autopay Configs - description: Autopay payment records for billing periods name: Autopays - description: Configuration for mapping LoanPro events to Payola transaction parameters name: LoanPro Transaction Event Config - description: >- Aggregated write-off amounts for lending accounts, computed from posted transactions. name: Write Off Amounts paths: /external_cards/transfers/{transfer_id}/reversals: post: tags: - External Cards summary: Create External Card Transfer Reversal description: | Create External Card Transfer Reversal operationId: createExternalCardTransferReversal parameters: - $ref: '#/components/parameters/transfer_id' - $ref: '#/components/parameters/idempotency_key' requestBody: content: application/json: schema: $ref: '#/components/schemas/transfer_reversal_request' description: Details of the External Card Transfer Reversal to create required: true responses: '201': content: application/json: schema: $ref: '#/components/schemas/transfer_response' description: External Card Transfer Reversal created '400': $ref: '#/components/responses/bad_request' '401': $ref: '#/components/responses/unauthorized' '403': $ref: '#/components/responses/forbidden' '422': $ref: '#/components/responses/unprocessable_entity' '500': $ref: '#/components/responses/internal_server_error' components: parameters: transfer_id: description: The unique identifier of a transfer in: path name: transfer_id required: true schema: example: 7d943c51-e4ff-4e57-9558-08cab6b963c7 format: uuid type: string 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: transfer_reversal_request: description: Reversal for a transfer with type PULL properties: amount: description: >- Amount of the refund in cents (Amount can be up to the original amount) type: integer currency: $ref: '#/components/schemas/currency_code' required: - amount - currency type: object transfer_response: discriminator: mapping: APPLE_PAY_PULL: $ref: '#/components/schemas/transfer_response_token' APPLE_PAY_PULL_REVERSAL: $ref: '#/components/schemas/transfer_response_token' GOOGLE_PAY_PULL: $ref: '#/components/schemas/transfer_response_token' GOOGLE_PAY_PULL_REVERSAL: $ref: '#/components/schemas/transfer_response_token' PULL: $ref: '#/components/schemas/transfer_response_pull' PULL_REVERSAL: $ref: '#/components/schemas/transfer_response_pull' PUSH: $ref: '#/components/schemas/transfer_response_push' propertyName: type oneOf: - $ref: '#/components/schemas/transfer_response_pull' - $ref: '#/components/schemas/transfer_response_push' - $ref: '#/components/schemas/transfer_response_token' type: object currency_code: description: ISO 4217 Alpha-3 currency code example: USD maxLength: 3 minLength: 3 type: string transfer_response_token: allOf: - $ref: '#/components/schemas/transfer_response_base' - properties: card_details: $ref: '#/components/schemas/external_card_details' type: $ref: '#/components/schemas/transfer_type' required: - type - card_details type: object title: Token Response type: object transfer_response_pull: allOf: - $ref: '#/components/schemas/transfer_response_base' - properties: external_card_id: $ref: '#/components/schemas/external_card_id' three_ds_id: $ref: '#/components/schemas/transfer_three_ds_id' type: $ref: '#/components/schemas/transfer_type' required: - type - external_card_id type: object description: Pull funds from an External Card title: Pull Response type: object transfer_response_push: allOf: - $ref: '#/components/schemas/transfer_response_base' - properties: external_card_id: $ref: '#/components/schemas/external_card_id' originating_customer_id: $ref: '#/components/schemas/transfer_originating_customer_id' type: $ref: '#/components/schemas/transfer_type' required: - type - external_card_id type: object description: Push funds to an External Card title: Push Response type: object error: description: Synctera error responses in API v1 implement a custom error schema. properties: code: description: > A machine-readable string that identifies the error for programmatic use. 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: HTTP status code for this response example: 400 type: integer title: Synctera error response type: object transfer_response_base: properties: account_id: description: >- The ID of the Synctera account into which or from which funds were moved example: 7d943c51-e4ff-4e57-9558-08cab6b963c7 format: uuid type: string amount: description: Amount of the transfer in cents type: integer creation_time: example: '2010-05-06T12:23:34.321Z' format: date-time type: string currency: $ref: '#/components/schemas/currency_code' customer_id: $ref: '#/components/schemas/transfer_customer_id' id: description: The ID of the transfer type: string last_updated_time: example: '2010-05-06T12:23:34.321Z' format: date-time type: string merchant: $ref: '#/components/schemas/merchant' network_decline_details: description: >- If available, a human readable string indicating why a transfer was declined downstream of our system type: string reason: description: >- The reason for the status, e.g. INSUFFICIENT_FUNDS, SUSPECTED_FRAUD, NETWORK_DECLINED type: string status: $ref: '#/components/schemas/transfer_status' tenant: $ref: '#/components/schemas/tenant_id' transaction_id: description: The transaction ID format: uuid type: string required: - id - account_id - amount - currency - status - customer_id - creation_time - last_updated_time - merchant - tenant type: object external_card_details: allOf: - $ref: '#/components/schemas/external_card_verification_details' - properties: bin: description: Bank Identification Number type: string issuer: description: Name of the issuing financial institution type: string last_four: description: The last four digits of the card PAN example: '1234' type: string payment_account_reference: $ref: '#/components/schemas/payment_account_reference' type: object transfer_type: description: > Type of transfer operation. Type | Description --- | --- PUSH | Funds pushed to an External Card from an Account PULL | Funds pulled from an External Card to an Account PULL_REVERSAL | Funds pushed back to an External Card from an Account APPLE_PAY_PULL | Funds pulled from an Apple Pay card to an Account APPLE_PAY_PULL_REVERSAL | Funds returned to Apple Pay card from original recipient Account GOOGLE_PAY_PULL | Pull funds from a Google Pay card to an Account GOOGLE_PAY_PULL_REVERSAL | Funds returned to Google Pay card from original recipient Account enum: - PUSH - PULL - PULL_REVERSAL - APPLE_PAY_PULL - APPLE_PAY_PULL_REVERSAL - GOOGLE_PAY_PULL - GOOGLE_PAY_PULL_REVERSAL example: PULL type: string external_card_id: description: The ID of the External Card associated with the operation example: 7d943c51-e4ff-4e57-9558-08cab6b963c7 format: uuid type: string transfer_three_ds_id: description: >- Unique identifier of an External Card Transfer 3-D Secure Authorization - conditionally required according to your program's 3DS policy example: 40e2de9e-4375-4fa1-9393-92da972a9338 format: uuid type: string transfer_originating_customer_id: description: >- For person-to-person PUSH transactions this is the customer_id of the sender who must have privileges to access funds in the originating account in order to send funds to the recipient cardholder example: 7d943c51-e4ff-4e57-9558-08cab6b963c7 format: uuid type: string transfer_customer_id: description: The customer_id of the cardholder example: 7d943c51-e4ff-4e57-9558-08cab6b963c7 format: uuid type: string merchant: description: >- Merchant descriptor information that will be shown on statement and transaction details. If not provided, FinTech information will be used. properties: address: $ref: '#/components/schemas/address' email: description: Merchant's email example: alice@example.com type: string name: description: Merchant's name type: string phone_number: description: >- Merchant's phone number with country code in E.164 format. Must have a valid country code. Area code and local phone number are not validated. example: '+14374570680' pattern: ^\+[1-9]\d{1,14}$ type: string required: - name - address type: object transfer_status: description: The status of the transfer enum: - SUCCEEDED - PENDING - DECLINED - CANCELED - UNKNOWN type: string tenant_id: description: | The id of the tenant containing the resource. example: abcdef_ghijkl type: string external_card_verification_details: properties: address_verification_result: description: | Address verification results Status | Description --- | --- VERIFIED | AVS verified NOT_VERIFIED | AVS not verified ADDRESS_MISMATCH | ZIP code match, address no match ZIP_MISMATCH | Address match, ZIP code no match ADDRESS_AND_ZIP_MISMATCH | Address and ZIP code no match enum: - VERIFIED - NOT_VERIFIED - ADDRESS_MISMATCH - ZIP_MISMATCH - ADDRESS_AND_ZIP_MISMATCH type: string cvv2_result: description: | Card Verification Value results Status | Description --- | --- VERIFIED | CVV and expiration date verified NOT_VERIFIED | CVV and expiration date not verified CVV_MISMATCH | Either CVV or expiration date does not match NOT_SUPPORTED | Issuer does not participate in CVV2 service enum: - VERIFIED - NOT_VERIFIED - CVV_MISMATCH - NOT_SUPPORTED type: string name_verification_result: description: > Issuer cardholder name verification result with Account Name Inquiry (ANI) service The result of verifying the cardholder name against the name on file at the issuing institution. If this fails, it means the issuing institution has a different person's name on file as the cardholder. Status | Description --- | --- VERIFIED | ANI Name verified NOT_VERIFIED | ANI Name not verified NOT_SUPPORTED | Issuer does not participate in ANI service NAME_MISMATCH | ANI Name does not match enum: - VERIFIED - NOT_VERIFIED - NOT_SUPPORTED - NAME_MISMATCH type: string pull_details: $ref: '#/components/schemas/pull_details' pull_enabled: description: Indicates if the card is able to perform PULL transfers. type: boolean push_details: $ref: '#/components/schemas/push_details' push_enabled: description: Indicates if the card is able to perform PUSH transfers. type: boolean type: object payment_account_reference: description: >- A unique identifier associated with a specific cardholder PAN and its affiliated tokens maxLength: 29 minLength: 29 type: string address: properties: address_line_1: description: Street address line 1 example: 100 Main St. type: string address_line_2: description: Street address line 2 example: Suite 99 type: string address_type: description: | Specifies the address type. enum: - BILLING - LEGAL - SHIPPING - OPERATING - OTHER example: SHIPPING readOnly: true type: string city: description: City example: New York type: string country_code: description: ISO-3166-1 Alpha-2 country code example: US pattern: ^[A-Z]{2}$ type: string id: $ref: '#/components/schemas/id' is_registered_agent: description: >- Indicates whether an address is a registered agent. Omitted if the address is not a registered agent. example: true type: boolean nickname: description: > A nickname for the address. This is used to identify the address in the UI. example: Home type: string postal_code: description: > Postal code. For US, formats of 12345 or 12345-1234 are accepted. For CA, formats of A1A 1A1 or A1A1A1 (regardless of case) are accepted, and will be converted to A1A 1A1 format. example: '28620' type: string state: description: > State, region, province, or prefecture. This is the ISO-3166-2 subdivision code, excluding the country prefix. For example, TX for Texas USA or TAM for Tamaulipas Mexico. Its length varies by country, e.g. 2 characters for US, 3 for MX. example: NY type: string required: - address_line_1 - country_code type: object pull_details: description: Additional PULL transfer details properties: country: $ref: '#/components/schemas/country_code' currency: $ref: '#/components/schemas/currency_code' network: description: Payment network type: string product_type: $ref: '#/components/schemas/external_card_product_type' regulated: description: Exemption status from debit card interchange fee standards type: boolean type: object push_details: description: Additional PUSH transfer details properties: country: $ref: '#/components/schemas/country_code' currency: $ref: '#/components/schemas/currency_code' funds_availability: $ref: '#/components/schemas/external_cards_funds_availability' network: description: Payment network type: string product_type: $ref: '#/components/schemas/external_card_product_type' regulated: description: Exemption status from debit card interchange fee standards type: boolean type: object id: description: The unique identifier for this resource. example: 7d943c51-e4ff-4e57-9558-08cab6b963c7 format: uuid readOnly: true type: string country_code: description: ISO-3166-1 Alpha-2 country code example: US maxLength: 2 minLength: 2 type: string external_card_product_type: description: Product type enum: - CREDIT - DEBIT - PREPAID type: string external_cards_funds_availability: description: | Estimated timeframe of funds availability Value | Description --- | --- NOW | Within 30 minutes NEXT | Within the next business day FEW | Within a few business days enum: - NOW - NEXT - FEW type: string responses: bad_request: content: application/json: schema: $ref: '#/components/schemas/error' description: Bad request unauthorized: content: application/json: schema: $ref: '#/components/schemas/error' description: Unauthorized forbidden: content: application/json: schema: $ref: '#/components/schemas/error' description: Forbidden unprocessable_entity: content: application/problem+json: schema: $ref: '#/components/schemas/error' description: Unprocessable entity request response internal_server_error: content: application/json: schema: $ref: '#/components/schemas/error' description: Internal server error securitySchemes: bearerAuth: bearerFormat: api_key scheme: bearer type: http ````