Connectivity Overview - MX Documentation

MX Connectivity products serve as a bridge between your application and financial institutions. They allow you to:

Connect end users to thousands of financial institutions
Retrieve financial data such as account details, transactions, and more
Enhance and standardize data
Power financial use cases including account opening, payments, and more

To understand the core resources of our platform, see MX Data Architecture.

Integration Checklist

Complete steps for integrating MX Connectivity products

Connect Accounts

Follow our integration guides to connect user accounts

Connectivity Products

MX offers several connectivity products to address different use cases.

NOTEMost connectivity products focus on retrieving specific types of data from connected accounts (such as transactions, balances, or account numbers). Microdeposits is different—it provides an alternate method for verifying account ownership by making small test deposits to an account.

Product	Description
Account Aggregation	Get account details and transactions by connecting to users’ financial accounts
Account Owner Identification	Verify account ownership information such as name and address
Balance Checks	Check available balances for connected accounts
Extended Transaction History	Get up to 24 months of transaction history
Instant Account Verification	Retrieve account and routing numbers for demand deposit accounts
Microdeposits	Verify account ownership through small test deposits
Statements	Retrieve bank and credit card statements

Aggregating & Enhancing Data

Our platform uses distributed services to aggregate, enhance, and deliver financial data to end users and institutions. The platform includes RESTful web APIs, embeddable digital money management tools, customer analytics and marketing software, and more. The following flow shows how MX aggregates and enriches data:

End users provide their login credentials for a financial account, such as their bank or retirement account (you can also send your own customers’ data to MX using one or more of our APIs).
Those credentials are supplied to the MX system.
MX brings data from those accounts into its system, through a direct data-sharing connection or a third-party data provider.
MX enhances account and transaction data:
- Account types and subtypes like CHECKING or SAVINGS are assigned
- Every transaction is categorized into one of more than 100 default categories
- When possible, additional classifiers like is_bill_pay or is_direct_deposit are assigned
- Transaction descriptions are made readable. For example, DBT CRD 1357 07/22/19 XXXX1357 JCWS RESTAU LEHI UT C#5144 becomes JCW's Burgers
- Dates, locations, and merchant logos are added wherever possible
- If two months of transaction data exists, user budgets are automatically calculated
MX delivers this enhanced financial data through our APIs, UIs, or daily change files. Additionally, we identify when end users have financial accounts with competitors and provide analytics on product usage and money management.

Retrievable Data

The following examples show what data you can expect with our Connectivity products.

Accounts and transactions

See Account Aggregation for more info. To learn more about individual fields, see Account Fields or Transaction Fields.

{
  "accounts": [
    {
      "account_number": "5366",
      "apr": 1.0,
      "apy": 1.0,
      "available_balance": 1000.0,
      "available_credit": 1000.0,
      "balance": 1000.0,
      "cash_balance": 1000.0,
      "cash_surrender_value": 1000.0,
      "created_at": "2016-10-13T17:57:37.000Z",
      "credit_limit": 100.0,
      "currency_code": "USD",
      "day_payment_is_due": 20,
      "death_benefit": 1000,
      "guid": "ACT-06d7f44b-caae-0f6e-1384-01f52e75dcb1",
      "holdings_value": 1000.0,
      "id": "1040434698",
      "imported_at": "2015-10-13T17:57:37.000Z",
      "institution_code": "chase",
      "insured_name": "Frodo Baggins",
      "interest_rate": 1.0,
      "is_closed": false,
      "is_hidden": false,
      "last_payment": 100.0,
      "last_payment_at": "2015-10-13T17:57:37.000Z",
      "loan_amount": 1000.0,
      "matures_on": "2015-10-13T17:57:37.000Z",
      "member_guid": "MBR-3bdc7d6b-efd4-1497-a0af-b23501cf9bd0",
      "member_id": "member-9876",
      "member_is_managed_by_user": false,
      "metadata": "some metadata",
      "minimum_balance": 100.0,
      "minimum_payment": 10.0,
      "name": "Test account 2",
      "nickname": "My Checking",
      "original_balance": 10.0,
      "pay_out_amount": 10.0,
      "payment_due_at": "2015-10-13T17:57:37.000Z",
      "payoff_balance": 10.0,
      "premium_amount": 1.0,
      "routing_number": "68899990000000",
      "started_on": "2015-10-13T17:57:37.000Z",
      "subtype": "NONE",
      "total_account_value": 1.0,
      "type": "SAVINGS",
      "updated_at": "2016-10-13T18:08:00.000Z",
      "user_guid": "USR-11141024-90b3-1bce-cac9-c06ced52ab4c",
      "user_id": "partner-2345"
    }
  ],
  "pagination": {
    "current_page": 1,
    "per_page": 25,
    "total_entries": 1,
    "total_pages": 1
  }
}

{
  "transactions": [
    {
      "account_guid": "ACT-06d7f44b-caae-0f6e-1384-01f52e75dcb1",
      "account_id": "account123",
      "amount": 61.11,
      "category": "Groceries",
      "category_guid": "CAT-9588eaad-90a4-bb5c-66c8-1812503d0db8",
      "check_number_string": "6812",
      "created_at": "2016-10-06T09:43:42.000Z",
      "currency_code": "USD",
      "date": "2013-09-23T00:00:00.000Z",
      "description": "Whole foods",
      "extended_transaction_type": "partner_transaction_type",
      "guid": "TRN-265abee9-889b-af6a-c69b-25157db2bdd9",
      "id": "transaction-265abee9-889b-af6a-c69b-25157db2bdd9",
      "is_bill_pay": false,
      "is_direct_deposit": false,
      "is_expense": true,
      "is_fee": false,
      "is_income": false,
      "is_international": false,
      "is_overdraft_fee": false,
      "is_payroll_advance": false,
      "is_recurring": false,
      "is_subscription": false,
      "latitude": -43.2075,
      "localized_description": "This is a localized_description",
      "localized_memo": "This is a localized_memo",
      "longitude": 139.691706,
      "member_guid": "MBR-3bdc7d6b-efd4-1497-a0af-b23501cf9bd0",
      "member_is_managed_by_user": false,
      "memo": "This is a memo",
      "merchant_category_code": 5411,
      "merchant_guid": "MCH-7ed79542-884d-2b1b-dd74-501c5cc9d25b",
      "merchant_location_guid": "MCL-00024e59-18b5-4d79-b879-2a7896726fea",
      "metadata": "some metadata",
      "original_description": "WHOLEFDS TSQ 102",
      "posted_at": "2016-10-07T06:00:00.000Z",
      "status": "POSTED",
      "top_level_category": "Food & Dining",
      "transacted_at": "2016-10-06T13:00:00.000Z",
      "type": "DEBIT",
      "updated_at": "2016-10-07T05:49:12.000Z",
      "user_guid": "USR-11141024-90b3-1bce-cac9-c06ced52ab4c",
      "user_id": "partner-2345"
    },
    // •••
  ],
  "pagination": {
    "current_page": 1,
    "per_page": 10,
    "total_entries": 243,
    "total_pages": 25
  }
}

Account and routing numbers

See Instant Account Verification for more info. For field descriptions, see Account Number Fields.

{
  "account_numbers": [
    {
      "account_guid": "ACT-82a93692-f756-534f-9b2e-ad10a0f38462",
      "account_number": "10001",
      "institution_number": null,
      "member_guid": "MBR-3bdc7d6b-efd4-1497-a0af-b23501cf9bd0",
      "routing_number": "091000019",
      "passed_validation": true,
      "transit_number": null,
      "user_guid": "USR-11141024-90b3-1bce-cac9-c06ced52ab4c"
    }
  ],
  "pagination": {
    "current_page": 1,
    "per_page": 25,
    "total_entries": 1,
    "total_pages": 1
  }
}

Account owners

See Account Owner Identification for more info. For field descriptions, see Account Owner Fields.

{
  "account_owners": [
    {
      "account_guid": "ACT-82a93692-f756-534f-9b2e-ad10a0f38462",
      "address": "123 This Way",
      "city": "Middlesex",
      "country": "US",
      "email": "donnie@darko.co",
      "first_name": "Donnie",
      "guid": "ACO-63dc7714-6fc0-4aa2-a069-c06cdccd1af9",
      "last_name": "Darko",
      "member_guid": "MBR-3bdc7d6b-efd4-1497-a0af-b23501cf9bd0",
      "owner_name": "Donnie Darko",
      "phone": "555-555-5555",
      "postal_code": "00000-0000",
      "state": "VA",
      "user_guid": "USR-11141024-90b3-1bce-cac9-c06ced52ab4c"
    }
  ],
  "pagination": {
    "current_page": 1,
    "per_page": 25,
    "total_entries": 1,
    "total_pages": 1
  }
}

Extended transaction history

Extended Transaction History shows up to 24 months of transactions, instead of only up to 90 days. For field descriptions, see Transaction Fields.

{
  "transactions": [
    {
      "account_guid": "ACT-06d7f44b-caae-0f6e-1384-01f52e75dcb1",
      "account_id": "account123",
      "amount": 61.11,
      "category": "Groceries",
      "category_guid": "CAT-9588eaad-90a4-bb5c-66c8-1812503d0db8",
      "check_number_string": "6812",
      "created_at": "2016-10-06T09:43:42.000Z",
      "currency_code": "USD",
      "date": "2013-09-23T00:00:00.000Z",
      "description": "Whole foods",
      "extended_transaction_type": "partner_transaction_type",
      "guid": "TRN-265abee9-889b-af6a-c69b-25157db2bdd9",
      "id": "transaction-265abee9-889b-af6a-c69b-25157db2bdd9",
      "is_bill_pay": false,
      "is_direct_deposit": false,
      "is_expense": true,
      "is_fee": false,
      "is_income": false,
      "is_international": false,
      "is_overdraft_fee": false,
      "is_payroll_advance": false,
      "is_recurring": false,
      "is_subscription": false,
      "latitude": -43.2075,
      "localized_description": "This is a localized_description",
      "localized_memo": "This is a localized_memo",
      "longitude": 139.691706,
      "member_guid": "MBR-3bdc7d6b-efd4-1497-a0af-b23501cf9bd0",
      "member_is_managed_by_user": false,
      "memo": "This is a memo",
      "merchant_category_code": 5411,
      "merchant_guid": "MCH-7ed79542-884d-2b1b-dd74-501c5cc9d25b",
      "merchant_location_guid": "MCL-00024e59-18b5-4d79-b879-2a7896726fea",
      "metadata": "some metadata",
      "original_description": "WHOLEFDS TSQ 102",
      "posted_at": "2016-10-07T06:00:00.000Z",
      "status": "POSTED",
      "top_level_category": "Food & Dining",
      "transacted_at": "2016-10-06T13:00:00.000Z",
      "type": "DEBIT",
      "updated_at": "2016-10-07T05:49:12.000Z",
      "user_guid": "USR-11141024-90b3-1bce-cac9-c06ced52ab4c",
      "user_id": "partner-2345"
    },
    // •••
  ],
  "pagination": {
    "current_page": 1,
    "per_page": 10,
    "total_entries": 243,
    "total_pages": 25
  }
}

Statements

See Statements for more info. For field descriptions, see Statement Fields.

{
  "statements": [
    {
      "account_guid": "ACT-06d7f44b-caae-0f6e-1384-01f52e75dcb1",
      "content_hash": "ca53785b812d00ef821c3d94bfd6e5bbc0020504410589b7ea8552169f021981",
      "created_at": "2016-10-13T18:08:00+00:00",
      "guid": "STA-737a344b-caae-0f6e-1384-01f52e75dcb1",
      "member_guid": "MBR-3bdc7d6b-efd4-1497-a0af-b23501cf9bd0",
      "updated_at": "2016-10-13T18:09:00+00:00",
      "uri": "uri/to/statement",
      "user_guid": "USR-11141024-90b3-1bce-cac9-c06ced52ab4c"
    }
  ],
  "pagination": {
    "current_page": 1,
    "per_page": 25,
    "total_entries": 1,
    "total_pages": 1
  }
}

Integration Checklist

Connect Accounts

​Connectivity Products

​Aggregating & Enhancing Data

​Retrievable Data

​Next Steps

Integration Checklist

Connect Accounts

Connectivity Products

Aggregating & Enhancing Data

Retrievable Data

Next Steps