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New Features

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Card Brand Details

The Card Brands endpoint now returns a structured details object on each brand, giving you the full marketing-level terms behind a user’s card, including APRs, fees, rewards, and promotional offers.
  • APRs: Purchase and cash-advance APR ranges via purchase_apr_min / purchase_apr_max and cash_advance_apr_min / cash_advance_apr_max.
  • Fees: annual_fee and late_payment_fee.
  • Rewards: A full rewards object with program name, reward type (for example, cash_back, points, miles), and per-category earn rates (dining, travel, groceries, gas, and more), including the base-rate category for all other purchases.
  • Promotions: A promotions array covering sign-up bonuses, intro APR offers, statement credits, and more, each with value, spend requirement, qualifying period, and expiration.
  • Classification and freshness: card_category classifies the card (for example, travel, cash_back, store), and data_as_of tells you when the details were last captured.
Key Use Cases
  • Power balance-transfer and refinance offers with accurate rate and promotion data.
  • Enrich PFM experiences by showing users the detailed terms and benefits of the cards they carry.
  • Optimize checkout and reward experiences by auto-routing purchases to the top-earning card.
Card Brands is available as both a Product (on-demand) and a Subscription (near real-time updates), and the details object is available on API version 2025-07-04 and later. The endpoint is available to partners processing payments through the Payment Instruments endpoint. Contact your Method CSM to enable it. See the Card Brands reference to get started.

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Stop Payment Support

You can now stop a check payment to a liability account after it has been submitted, directly from the payment detail view in the Method Dashboard. Method requests the stop with the downstream provider and reflects a stopped-by-request status on the payment, giving you a clean way to halt a check before it clears.
  • Dashboard only: Stop-payment actions are available from the payment detail view in the Method Dashboard. This capability is not yet exposed through the API.
  • Stop a submitted check: For a check that has already been submitted, requesting a stop reflects a stopped-by-request status on the payment.
  • Cancel a pending payment: For payments that are still pending, the same action cancels them outright (status: canceled).

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Preauth Signals

The new Preauth Signals endpoint returns the predicted likelihood that a transaction will succeed, alongside verified ownership of the card and recommended retry timing. Built for merchants and commerce platforms looking to optimize payment performance. Key Use Cases
  • Predict whether a card payment will go through before attempting the charge to reduce false declines at checkout.
  • Identify the best date to retry a payment for recurring charges.
This endpoint is currently in Public Preview. Reach out to your Method CSM for access and documentation.

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Account Attribute Subscriptions

Method now triggers events whenever an account’s attributes change, so you can react to balance, utilization, and delinquency shifts in real time instead of polling. Subscribe to the attributes you care about and Method delivers updates to your configured webhooks as they occur. This pairs naturally with continuous, post-origination portfolio monitoring use cases.

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Team IP Allowlisting

Teams can now restrict API access to a defined set of IP addresses. Once an allowlist is configured, requests from outside the approved ranges are rejected, with enforcement backed by a 24-hour cache for low-latency checks. See IP Whitelisting to configure.

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Improvements

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Payments

  • More accurate estimated completion dates: The estimated_completion_date returned on a payment now always shows the correct date or a slightly conservative estimate, especially for same-day ACH source payments.
  • Destination posted date: The destination_posted_date field is now populated once the destination posts, giving you a precise reconciliation signal that is distinct from the estimated completion date.
For more information, visit the Payments API documentation.

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Dashboard

New Limits Tab A new Limits tab under Settings surfaces each team’s money-movement capabilities and associated limits in one place. Previously, this information was not available in a single view. You can now see at a glance what a team is permitted to send and receive, and where caps apply.