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The Updates endpoint retrieves in real-time account data including Balance, due dates, APRs, directly from the Account’s financial institution.
Method’s real-time direct update coverage expands to 92% of all outstanding debt.
The Updates endpoint is available as a:
TypeUse-Case
ProductOn-Demand real-time account update (balance, due dates, etc) from the Account’s financial institution
SubscriptionNear real-time account update (balance, due dates, etc) from the Account’s financial institution. Webhook Payload

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Update Objects

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Properties based on type

Some fields are only available when source is direct (real-time data from the financial institution) and are not included in the response for snapshot updates. These fields are marked accordingly in the documentation below.

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Webhook Payload

The Webhook payload will contain the following information: 
{
  "id": "string",
  "type": "update.create" | "update.update",
  "path": "/accounts/<acc_id>/updates/<upt_id>",
}

{
  "id": "upt_NYV5kfjskTTCJ",
  "status": "completed",
  "account_id": "acc_bFDiQGxiR8bqc",
  "source": "direct",
  "type": "credit_card",
  "credit_card": {
    "auto_pay_amount": 4000,
    "auto_pay_date": "2024-05-01",
    "auto_pay_status": "active",
    "available_credit": 120000,
    "balance": 80000,
    "closed_at": null,
    "credit_limit": 200000,
    "interest_rate_percentage_max": 23.5,
    "interest_rate_percentage_min": 12.0,
    "interest_rate_type": "variable",
    "last_payment_amount": 5000,
    "last_payment_date": "2024-04-05",
    "last_statement_balance": 85000,
    "next_payment_due_date": "2024-05-01",
    "next_payment_minimum_amount": 4000,
    "opened_at": "2018-10-30",
    "past_due_amount": null,
    "past_due_date": null,
    "past_due_status": "on_time",
    "remaining_statement_balance": 80000,
    "sub_type": "flexible_spending",
    "usage_pattern": "transactor"
  },
  "data_as_of": "2024-03-20T04:43:21.434Z",
  "error": null,
  "created_at": "2024-03-20T04:43:21.434Z",
  "updated_at": "2024-03-20T04:43:21.655Z"
}