curl https://production.methodfi.com/entities/ent_au22b1fbFJbp8/manual_connect \
  -X POST \
  -H "Method-Version: 2026-03-30" \
  -H "Authorization: Bearer sk_WyZEWVfTcH7GqmPzUPk65Vjc" \
  -H "Content-Type: application/json" \
  -d '{
    "bureau": "transunion",
    "tradelines": [
      {
        "type_code": "18",
        "portfolio_type_code": "revolving",
        "designator_code": "individual",
        "number": "5555555555555555",
        "creditor_name": "CAPITAL ONE",
        "creditor_code": "01DTV001",
        "balance": 500000,
        "highest_balance": 750000,
        "credit_limit": 1000000,
        "term": null,
        "next_payment_minimum_amount": 15000,
        "last_payment_amount": 20000,
        "payment_history": ["1", "1", "1"],
        "past_due_amount": 0,
        "delinquency_charge_off_amount": 0,
        "opened_at": "2016-11-25",
        "closed_at": null,
        "last_activity_date": "2024-05-01",
        "reported_date": "2024-05-01",
        "next_payment_due_date": "2024-06-01",
        "last_payment_date": "2024-05-01",
        "delinquency_first_start_date": null,
        "narrative_codes": [
          { "code": "FE", "description": "CREDIT CARD" }
        ]
      }
    ]
  }'

const account = await method.accounts.retrieve('acc_eKKmrXDpJBKgw');

if (account.products.includes('payment')) {
  // Safe to initiate payments
} else {
  // Data-only — can retrieve balances but can't send money
}