PFM Notifications - MX Documentation

MX Personal Finance Management (PFM) widgets send users notifications about their account activity. There are two types of PFM notifications:

System notifications: System notifications inform the user of system-related account actions, such as email verification and password resets.
Alert notifications: Alert notifications inform the user of unusual account activity, such as a low balance or large expense.

To build your own notifications, see Webhooks.

Notifications are delivered through one or more of these channels:

Email
SMS
In-app
Push

Not every notification supports every channel. To learn which notification type you can use for each channel, refer to the tables in Alert Notifications and System Notifications.

If you’re looking for information about notifications for Insights, see Insights Notifications.

Configure Notification Preferences

To opt out of delivery channels or specific notifications for all of your users, contact MX. Users of the Money Dashboard Widget can go to Settings > Notifications to:

Opt out of a notification.
Opt out of a delivery channel for all notifications.
Opt out of a delivery channel for a single notification. For example, receive Large Deposit notifications by SMS but not by email.
Choose which accounts trigger the Payment Reminder, Low Account Balance, Large Deposit, Large Expense, and Fee Charged notifications. For example, receive Low Account Balance notifications for only one connected account.
Adjust thresholds for notifications that support them, as described in Alert Notifications.

Alert Notifications

Alert notifications support all delivery channels. Users can turn off any alert or change the channels it’s sent through.

Notification Name	Description	Copy	Channel(s)
Exceeded Budget	Notifies the user that they’ve exceeded a budget.	”You’ve exceeded your `category_name` budget by `budget_exceeded_amount`”	email, SMS, push, in-app
Fee Charged	A fee was charged on an account. Shows the account the fee was charged to and the fee amount. Users can choose which accounts trigger this notification. If sent as an email, contains a Log In To Account CTA.	”You have been charged a `transaction_amount` fee `truncated_description` to your `truncated_account_name` account.”	email, SMS, push, in-app
Goal Progress	Notifies the user when they contribute to a goal or reach a goal milestone (25%, 50%, 75%, or 100%).	Varies based on the conditions. See Goal Progress table.	email, SMS, push, in-app
International Transaction	An international transaction was detected. Shows the transaction amount, which account was charged, and the transaction date. If sent as an email, contains a Log In To Account CTA.	”Your `truncated_account_name` account was charged `transaction_amount` by an international merchant `truncated_transaction_description` on `shortened_transaction_date`.”	email, SMS, push, in-app
Large Deposit	A deposit exceeded a configurable threshold. Shows the account the deposit was made to and the amount. Users can choose which accounts trigger this notification and customize the threshold for each account. If sent as an email, contains a Log In To Account CTA. Triggers when MX receives the transaction, regardless of status.	Varies based on the conditions. See the Large Deposit Notification table.	email, SMS, push, in-app
Large Deposit (posted)	Same as Large Deposit, but only triggers when the transaction status is POSTED.	Varies based on the conditions. See the Large Deposit Notification table.	email, SMS, push, in-app
Large Expense	An expense exceeded a configurable threshold. Shows the account the expense was made from and the expense amount. Users can choose which accounts trigger this notification and customize the threshold for each account. If sent as an email, contains a Log In To Account CTA.	Varies based on the conditions. See the Large Expense Notification table.	email, SMS, push, in-app
Low Account Balance	The balance of an account has dropped below a threshold. Users can choose which accounts trigger this notification and customize the threshold for each account. It won’t trigger again until the balance rises back above the threshold.	”Your account balance is getting low on `X number` accounts.”	email, SMS, push, in-app
Payment Reminder	Notifies the user of the amount, related account, and date that a payment is due. Users can choose which accounts trigger this notification and customize the payment’s due date for each account.	Varies based on the conditions. See the Payment Reminder table.	email, SMS, push, in-app
Projected to Exceed Budget	Notifies the user that they’re projected to exceed a budget.	”You’re projected to spend `budget_overage_projection` more than you’ve budgeted for `category_name`. You’ve already spent `budget_spent` of `budget_amount`.”	email, SMS, push, in-app

Goal Progress Notification Copy

Header Text	Body Text	Conditions
”GOOOOAAAAL!"	"You rock! You achieved your `goal_name` goal. Feels pretty good, right?”	When the goal is met
”Just around the corner!"	"You’re at 75% of your `goal_name` goal. At this rate, you’ll be done in no time!”	When the goal is 75% met
”Halfway there!"	"You’re at 50% of your `goal_name` goal. Keep going and you’ll be finished before you know it!”	When the goal is 50% met
”You’re well on your way!"	"You’re 25% of the way to achieving your `goal_name` goal. Keep up the good work!”	When the goal is 25% met
	”Good work on that `contribution_amount` contribution to your `goal_name` goal. Every little bit counts!”	When the goal is any % met

Large Deposit Notification Copy

Text	Conditions
”There is a pending payment of `transaction_amount` `truncated_description` for your `truncated_account_name` account.”	If a pending transaction exists in a payment account
”There is a pending deposit of `transaction_amount` `truncated_description` in your `truncated_account_name` account.”	If a pending transaction exists in a non-payment account
”A payment of `transaction_amount` `truncated_description` was made to your `truncated_account_name` account.”	If a posted transaction exists in a payment account
”`transaction_amount` `truncated_description` was deposited into your `truncated_account_name` account.”	If a posted transaction exists in a non-payment account

Large Expense Notification Copy

Text	Conditions
”There is a pending transaction for `transaction_amount` `truncated_transaction_description` in your `truncated_account_name` account.”	If a pending transaction exists in the account
”`transaction_amount` `truncated_transaction_description` was spent from your `truncated_account_name` account.”	If a posted transaction exists in the account

Payment Reminder Notification Copy

Text	Conditions
”A `formatted_minimum_payment` payment for `truncated_account_name` is due on `shortened_payment_due_at`.”	If an account has a minimum payment and due date
”A `formatted_minimum_payment` payment for `truncated_account_name` is due soon.”	If an account has a minimum payment but no date
”A payment for `truncated_account_name` is due on `shortened_payment_due_at`.”	If an account has no minimum payment but a due date
”A payment for `truncated_account_name` is due soon.”	If an account has no minimum payment or due date

System Notifications

Users can’t turn off system notifications or change their delivery channels.

Notification Name	Description	Copy	Channel(s)
Device Created	Sent when the user links a mobile device to their account.	”Device Created”	email
Device Deleted	Sent when the user unlinks a mobile device from their account.	”A device was deleted from your account: `device.name` `device.make` `device.model`”	email, in-app
Email Verification	Sent when a user’s account is created.	”Press the button below to verify your email address with `client_product_name`. Once verified, you’ll start to receive email notifications based on your preferences.”	email, in-app
Email Verified	Sent after the user has verified their email through the Email Verification notification.	”Email Verified”	email, in-app
Password Changed	Sent when the user confirms a new password and selects Save Password.	”Your password was recently changed.”	email, in-app
Password Reset Token	Sent when the user requests to reset their password. Contains a reset token, valid for one hour, that the user enters to log in.	”Your `client_product_name` reset token is: `password_reset_token`.”	email, SMS, in-app
SMS Verification	Sent when the user links a mobile device. Contains a verification code.	”Your `client_product_name` device registration code is: `registration_code`”	SMS, in-app
SMS Welcome Message	Sent when the user verifies their phone number. Confirms they’ll receive periodic account updates and explains how to text HELP for help or STOP to unsubscribe.	”Welcome to `client_product_name`! You’ll receive periodic updates about your accounts, message and data rates may apply. Text HELP for help or STOP to unsubscribe.”	SMS
Verification Confirmation Message	Lets the user confirm enrollment to future SMS messages by replying YES.	”For your protection, `client_product_name` will only send you notifications regarding your finances when you confirm your enrollment by replying YES to this message.”	SMS
Welcome New User	Sent when the user verifies their email.	”`user_name` - `client_name` Welcomes You!“	email, in-app

Insight Notifications

Users can also receive notifications for more than 20 Financial Insights. These are delivered by email, SMS, push, or in-app. See the insights documentation for the full list, and contact your MX representative to enable them.

Notification Timing

These notifications are sent immediately on all channels:

Device Created
Email Verification
Email Verified
Password Changed
Password Reset Token
SMS Verification
SMS Welcome Message
Welcome New User

All other email and SMS notifications are sent in batches. Every five minutes, pending notifications are grouped by type and delivered together. For example, if a user is charged three fees within one five-minute interval, they receive a single Fee Charged notification covering all three.

​Configure Notification Preferences

​Alert Notifications

​Goal Progress Notification Copy

​Large Deposit Notification Copy

​Large Expense Notification Copy

​Payment Reminder Notification Copy

​System Notifications

​Insight Notifications

​Notification Timing

Configure Notification Preferences

Alert Notifications

Goal Progress Notification Copy

Large Deposit Notification Copy

Large Expense Notification Copy

Payment Reminder Notification Copy

System Notifications

Insight Notifications

Notification Timing