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New Features

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Transactions API

We’re excited to launch our new Transactions API which gives real-time notifications directly from the card networks on credit/debit card purchases. Key benefits include:

  • Real-Time Alerts -> Instantly notify users about new charges.
  • Intelligent Categorization -> Automatically categorize spending using merchant category codes (MCCs).
  • Enhanced Security -> Flag unusual transactions and identify spending in unfamiliar locations.
  • Multi-Currency Support -> Monitor transactions in both USD and foreign currencies.
  • Refund Visibility -> Gain complete insight into refund statuses.

For access to the Transactions API, please contact your Method CSM.

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Payment Instruments API

Our new Payment Instruments API enables you to create and retrieve card credentials for checkout processes. This API provides seamless access to card details and network tokens, streamlining payment experiences across your app or platform.

For access to the Payment Instruments API, please contact your Method CSM.

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Simulate Credit Scores API

In development environments, you can now leverage the Simulate Credit Scores API to simulate custom credit scores. This feature lets you:

  • Simulate scores for test entities.
  • Customize score values, sources, and models.
  • Include contributing factor data for more realistic testing scenarios.

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Improvements

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Entity Attributes API

We’ve made significant improvements to the Entity Attributes API.

  • Credit Health Hard Inquiries: The credit_health_hard_inquiries attribute now includes two additional fields in its metadata history:
    • institution_name: Identifies the institution that performed the inquiry.
    • inquiry_date: Provides the date the inquiry occurred.
  • New Soft Inquiries Attribute: A new credit_health_soft_inquiries attribute has been added. It mirrors the structure of hard inquiries to consistently track soft credit checks along with the associated institution name and inquiry date.

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Updates API

The Updates API response now includes a new field:

  • data_as_of: A timestamp indicating when the data in the record was last confirmed to be accurate, providing clear insight into the freshness and reliability of the information returned.

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Card Brands API

The Card Brands API is now subscribable. This enhancement allows your system to automatically receive updated card brand information in real time. For example, if a user loses their card and receives a new one, the API will promptly reflect these changes, ensuring that your records are always accurate and up to date.

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Accounts API

We’ve expanded the Accounts API to support additional account types:

  • BNPL (Buy Now, Pay Later)
  • Fintech

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Account Verification Sessions API

The Account Verification Sessions API now supports the network verification type. For more information, please see the Network Verification Sessions API reference.

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SDK Updates