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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id
string

Unique identifier for the Update.

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account_id
string

The ID of the associated Account.

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source
enum

The source of the Update's data.

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status
enum

Status of the Update.

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type
enum

The liability type of the Update's Account. See Account Liability Types.

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error
object | null

An object representing an error that occurred while processing this Update. See Update errors.

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created_at
string

Timestamp of when the Update was created.

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updated_at
string

Timestamp of when the Update was last updated.

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Properties based on type

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credit_card
object | null

This object will be populated if the Update is of type credit_card.

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credit_card.available_credit
number | null

The amount of credit currently available for use on this account.

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credit_card.balance
string | null

The current balance of the account.

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credit_card.closed_at
string | null

The date on which the account was officially closed, formatted in ISO 8601 (YYYY-MM-DD).

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credit_card.credit_limit
number | null

The maximum amount of credit that can be extended to the borrower on this account.

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credit_card.interest_rate_percentage
number | null

The fixed interest rate for this account.

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credit_card.interest_rate_percentage_max
number | null

The maximum interest rate (variable) allowed for this account.

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credit_card.interest_rate_percentage_min
number | null

The minimum interest rate (variable) allowed for this account.

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credit_card.interest_rate_source
enum | null

The liability interest rate source. One of financial_institution, public_data or method

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credit_card.interest_rate_type
enum | null

The liability interest rate type. One of fixed or variable

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credit_card.last_payment_amount
number | null

The amount of the last payment on the account.

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credit_card.last_payment_date
string | null

ISO 8601 formatted date (YYYY-MM-DD) of the last payment on the account.

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credit_card.next_payment_due_date
string | null

ISO 8601 formatted date (YYYY-MM-DD) of the next minimum payment on the account.

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credit_card.next_payment_minimum_amount
number | null

The amount of the next minimum payment on the account.

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credit_card.next_statement_date
string | null

The date when the next statement for the credit card will be issued, formatted in ISO 8601 (YYYY-MM-DD).

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credit_card.opened_at
string | null

The date when the account was originally opened, formatted in ISO 8601 (YYYY-MM-DD).

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credit_card.sub_type
enum | null

Sub-type of the credit card. One of flexible_spending, charge, secured, unsecured, purchase or business

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credit_card.usage_pattern
enum | null

Categorizes the usage behavior of the credit card holder.

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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>",
}
List all AccountsCreate an Update