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Connect Subscriptions — Monitoring for New Liabilities

A user’s liability profile isn’t static. They open new credit cards, take out new loans, and accumulate new obligations over time. Connect Subscriptions monitor for these changes by periodically checking the Entity’s credit report for new liabilities. When a new account is discovered, Method creates it and notifies you via webhook. This enables your product to surface new debts automatically, keep the user’s liability picture complete without requiring them to re-run discovery, and trigger workflows when new accounts appear (e.g., automatically requesting updates for newly discovered accounts). The typical pattern is to enable a Connect subscription after the initial Connect completes, creating a continuous discovery pipeline that keeps your application’s view of the user’s liabilities current over time.

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Creating a Connect Subscription

Use the Entity Subscriptions endpoint to enroll an Entity in ongoing Connect monitoring: 
curl https://production.methodfi.com/entities/ent_au22b1fbFJbp8/subscriptions \
  -X POST \
  -H "Method-Version: 2025-12-01" \
  -H "Authorization: Bearer sk_WyZEWVfTcH7GqmPzUPk65Vjc" \
  -H "Content-Type: application/json" \
  -d '{ "enroll": "connect" }'
The Connect endpoint’s subscriptions body parameter is for account-level subscriptions (update, card_brand, etc.) that apply to discovered accounts. To subscribe to ongoing discovery of new liabilities, use the Entity Subscriptions endpoint with "enroll": "connect" as shown above.
Subscription frequency. Connect subscriptions periodically perform soft-pull credit checks to detect new tradelines.

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Webhooks

Connect fires the following webhook events:
  • connect.create: Connect request was created
  • connect.update: Connect status changed (use this to detect completion)
  • connect.available: New accounts are available (fired by Connect subscriptions when new liabilities are detected)
{
  "id": "whk_abc123",
  "type": "connect.update",
  "path": "/entities/ent_au22b1fbFJbp8/connect/cxn_4ewMmBbjYDMR4"
}
Set up webhooks via the Webhooks API to receive real-time notifications.

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Receiving New Account Notifications

When a Connect subscription discovers new liabilities, Method fires a connect.available webhook: 
{
  "id": "whk_xyz789",
  "type": "connect.available",
  "path": "/entities/ent_au22b1fbFJbp8/connect/cxn_new123"
}
Retrieve the Connect object to see the newly discovered Account IDs. Only new accounts are included — previously discovered accounts are not repeated.

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Managing Subscriptions

To unsubscribe from Connect monitoring: 
curl https://production.methodfi.com/entities/ent_au22b1fbFJbp8/subscriptions/sub_abc123 \
  -X DELETE \
  -H "Method-Version: 2025-12-01" \
  -H "Authorization: Bearer sk_WyZEWVfTcH7GqmPzUPk65Vjc"
See Entity Subscriptions for the full subscription management API.

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When to Use Connect Subscriptions

When to use Connect subscriptions:
  • Debt management / financial wellness apps where the user’s liability picture must stay current
  • Portfolio monitoring where new liabilities impact risk assessment
  • Lending products that need to detect new debts after origination
When you may not need them:
  • One-time Connect for a loan application (discovery is a point-in-time event)