Account Objects
- Liability
- ACH
Additional Properties based on liability type
- Auto Loan
- Collection
- Credit Builder
- Credit Card
- Insurance
- Loan
- Medical
- Mortgage
- Personal Loan
- Student Loans
- Utility
- BNPL
- Fintech
Account Liability Types
| Type | Description |
|---|---|
auto_loan | A financial obligation incurred when borrowing funds to purchase a vehicle, usually secured by the vehicle itself. |
collection | An account that reflects debts not paid on time, now handled by a third-party collection agency to recover the funds. |
credit_builder | A type of financial arrangement, typically a small loan or secured credit card, designed to help individuals establish or improve their credit history. |
credit_card | A revolving line of credit that allows the holder to make purchases or cash advances up to a certain limit, requiring regular payments. |
insurance | Financial protection against specific losses in exchange for premiums paid, not typically a liability unless premiums are unpaid. |
loan | Money borrowed that must be repaid with interest, can include various types such as personal, auto, or business loans. |
medical | Accounts representing charges for healthcare services, often resulting from treatments or procedures not fully covered by insurance. |
mortgage | A long-term loan secured by real estate property, used to purchase or refinance that property. |
personal_loan | A secured or unsecured loan taken out by individuals from a bank or other financial institution for personal use. |
student_loans | Loans issued for the purpose of financing postsecondary education, payable under terms agreed upon completion of study. |
utility | Bills owed for basic services such as electricity, water, and gas, which if unpaid, can become delinquent liabilities. |
bnpl | Buy Now, Pay Later — a type of loan that lets the borrower make a purchase immediately and pay for it over time in installments. |
fintech | An account facilitated by a financial technology (fintech) company acting as an intermediary between the borrower and a partner bank or lender. |
Account Liability Sub-Types
| Type | Subtypes |
|---|---|
loan | business, unsecured |
auto_loan | lease, loan |
collection | - |
mortgage | heloc |
credit_card | business, charge, flexible_spending, secured |
personal_loan | line_of_credit, heloc, purchase, lease, note, secured, unsecured |
student_loans | private, federal |
credit_builder | rent |
Webhook Payload
The Webhook payload will contain the following information:{
"id": "string",
"type": "account.create" | "account.update" | "account.number.update",
"path": "/accounts/<acc_id>",
"event": "<evt_id>"
}
{
"id": "acc_RGACQH7XdfYhC",
"holder_id": "ent_HYmQrVrcJQBBQ",
"status": "active",
"type": "liability",
"liability": {
"mch_id": "mch_302086",
"mask": "1580",
"ownership": "primary",
"fingerprint": "27d5c0ea28338619192076d150eb7b56c288f9a1",
"type": "credit_card",
"name": "Chase Sapphire Reserve Credit Card"
},
"latest_verification_session": "avf_tB9mpmew8FLit",
"update": "upt_NYV5kfjskTTCJ",
"balance": "bal_dGCCNWHMQYRay",
"card_brand": "crd_eVRdjn4jsfk3e",
"payment_instrument": "pmt_inst_pd788hPVhLT37",
"attribute": "acc_attr_cWBKqwVP87kim",
"products": ["balance", "card_brand", "update", "payment", "payment_instrument.card", "payment_instrument.network_token", "payment_instrument.inbound_achwire_payment"],
"restricted_products": ["attribute", "sensitive"],
"subscriptions": [],
"available_subscriptions": ["update.snapshot", "update"],
"restricted_subscriptions": ["transaction"],
"error": null,
"metadata": null,
"created_at": "2024-02-12T18:57:57.857Z",
"updated_at": "2024-03-20T04:43:21.655Z",
}
{
"id": "acc_BcRdHNjb9TYKV",
"holder_id": "ent_wUzi83DJdx99e",
"status": "active",
"type": "ach",
"ach": {
"routing": "367537407",
"number": "57838927",
"type": "checking"
},
"latest_verification_session": "avf_7WGUjnFLcipRm",
"products": [
"payment"
],
"restricted_products": [],
"error": null,
"metadata": null,
"created_at": "2023-10-23T06:25:56.500Z",
"updated_at": "2023-10-23T06:25:56.500Z"
}