Notifications
When using our Personal Finance Management widgets, users can receive a variety of different notifications related to their account activity. The following information explains each notification, the supported delivery channels, and notification timing.
There are two types of notifications:
- System notifications. These allow the user to interact with the system. Examples of this are the Email Verification and Password Reset notifications.
- Alert notifications. These inform the user when their data enters an uncommon state. Examples of this are the Low Account Balance and Large Expense notifications.
info
If you're looking to create your own notifications, see Webhooks.
Our notifications can use one or more of the following delivery channels:
- SMS
- In-app
- Push
Some notifications don't use every delivery channel.
How To Configure Delivery Channels
Clients can contact MX to opt out of delivery channels (email, SMS, in-app) or specific notifications for all of their users.
Users can, if using the Master Widget, select 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, a user may only want to receive the Large Account Deposit notification on SMS and not on email.
- Toggle the accounts used within the Payment Reminder, Low Account Balance, Large Deposit, Large Expense, and Fee Charge notifications. For example, a user may only want to receive the Low Account Balance notification for one of their connected accounts.
- Edit thresholds within some notifications. These thresholds are specified in Alert Notifications.
Alert Notifications
These notifications are available through all delivery channels. The user can disable these notifications and customize the delivery channels they're 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 have contributed to or reached a milestone (25%, 50%, 75%, 100%) within a goal they set. | 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 set 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. This notification won't trigger again until the account exceeds the threshold again. | "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
| 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
| 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
| 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
| 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
The user can't disable these notifications or customize the delivery channels they're sent through.
| Notification Name | Description | Copy | Channel(s) |
|---|---|---|---|
| Device Created | Sent when the user links a mobile device to their account. | "Device Created" | |
| 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. This notification contains a reset token the user must use to log in. This token lasts for an hour. | "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 | Informs the user that they'll receive periodic updates about their accounts. Allows users to text HELP for help or STOP to unsubscribe. Sent when the user verifies their phone number. | "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 now get timely notifications from our Financial Insights for over twenty insights. Notifications are delivered through any of our available channels (in-app, SMS, push notifications, or email). See the insights documentation for the list of available insights and work with your MX representative to turn them on.
Notification Timing
The following notifications are sent on any delivery channel without delay:
- Device Created
- Email Verification
- Email Verified
- Password Changed
- Password Reset Token
- SMS Verification
- SMS Welcome Message
- Welcome New User
All other notifications, for email and SMS, are timed in intervals. Every five minutes, these notifications are grouped by notification type and then sent to the user.
For example, a user may receive three fee charges. After five minutes have passed since the last batch of notifications were sent, the notifications reflecting the fee charges are grouped together and delivered to the user as one notification.