Create Node

Node

POST https://api.synapsefi.com/v3.1/users/:user_id/nodes

This endpoint allows you to create a node.

Path Parameters

Name	Type	Description
user_id	string	ID of the user.

Headers

Name	Type	Description
X-SP-USER	string	User's OAuth key and device fingerprint, separated by a pipe.
X-SP-USER-IP	string	IP address of user's device.
X-SP-GATEWAY	string	Your Client ID and Secret, separated by a pipe.

200 User Successfully Created.

{
    "error_code": "0",
    "http_code": "200",
    "limit": 20,
    "node_count": 1,
    "nodes": [
        {
            "_id": "5fd7e43fe079bc3cc9c304fb",
            "_links": {
                "self": {
                    "href": "https://uat-api.synapsefi.com/v3.1/users/5fd7acfd8677040053ad486d/nodes/5fd7e43fe079bc3cc9c304fb"
                }
            },
            "allowed": "CREDIT-AND-DEBIT",
            "allowed_status_code": null,
            "client": {
                "id": "589acd9ecb3cd400fa75ac06",
                "name": "SynapseFi"
            },
            "extra": {
                "note": null,
                "other": {},
                "supp_id": ""
            },
            "info": {
                "agreements": [
                    {
                        "type": "NODE_AGREEMENT",
                        "url": "https://cdn.synapsepay.com/uploads/2020/12/14/n9o0LrdMmBITYQRKXgWFUS76k24eDZ8EGz5yP0jfHtC1hqaxup.pdf"
                    }
                ],
                "balance": {
                    "amount": 0.0,
                    "currency": "USD"
                },
                "bank_code": "EBT",
                "document_id": "2a4a5957a3a62aaac1a0dd0edcae96ea2cdee688ec6337b20745eed8869e3ac8",
                "name_on_account": " ",
                "nickname": "My Deposit Account"
            },
            "is_active": true,
            "timeline": [
                {
                    "date": 1607984180124,
                    "note": "Node created."
                }
            ],
            "type": "DEPOSIT-US",
            "user_id": "5fd7acfd8677040053ad486d"
        }
    ],
    "page_count": 1,
    "success": true
}

400 Request Failing.

{
    "error": {
        "code": "missing_client_credentials",
        "en": "Client credentials are missing from the request."
    },
    "error_code": "200",
    "http_code": "400",
    "success": false
}

Go to Node Object Details to see all the required and optional body parameters allowed during node creation. Following are a few examples of various nodes and how to create them:

Create Deposit Account

We require that you first generate a preview of the node agreement, display it to the user to get their consent and then create the account. To generate a preview, add "preview_only":true to the payload.

HTTP

POST /v3.1/users/5fd7acfd8677040053ad486d/nodes HTTP/1.1
Host: uat-api.synapsefi.com
X-SP-USER-IP: 255.127.79.76
X-SP-USER: oauth_WFecuSPqxGgU027IRAjtOf35vrNCpQZE1DYohX9y|e83cf6ddcf778e37bfe3d48fc78a6502062fc
Content-Type: application/json

{
  "type": "DEPOSIT-US",
  "info": {
    "nickname":"My Deposit Account",
    "document_id":"2a4a5957a3a62aaac1a0dd0edcae96ea2cdee688ec6337b20745eed8869e3ac8"
  }
}

cURL

curl --location --request POST 'https://uat-api.synapsefi.com/v3.1/users/5fd7acfd8677040053ad486d/nodes' \
--header 'X-SP-USER-IP: 255.127.79.76' \
--header 'X-SP-USER: oauth_WFecuSPqxGgU027IRAjtOf35vrNCpQZE1DYohX9y|e83cf6ddcf778e37bfe3d48fc78a6502062fc' \
--header 'Content-Type: application/json'
--data-raw '{
  "type": "DEPOSIT-US",
  "info": {
    "nickname":"My Deposit Account",
    "document_id":"2a4a5957a3a62aaac1a0dd0edcae96ea2cdee688ec6337b20745eed8869e3ac8"
  }
}'

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Create Cash Management Account

We require that you first generate a preview of the node agreement, display it to the user to get their consent and then create the account. To generate a preview, add "preview_only":true to the payload.

HTTP

POST /v3.1/users/5fd7acfd8677040053ad486d/nodes HTTP/1.1
Host: uat-api.synapsefi.com
X-SP-USER-IP: 255.127.79.76
X-SP-USER: oauth_WFecuSPqxGgU027IRAjtOf35vrNCpQZE1DYohX9y|e83cf6ddcf778e37bfe3d48fc78a6502062fc
Content-Type: application/json

{
  "type": "CMA",
  "info": {
    "nickname":"My Cash Management Account",
    "document_id":"2a4a5957a3a62aaac1a0dd0edcae96ea2cdee688ec6337b20745eed8869e3ac8",
    "custody" : "FDIC",
    "risk" : "MODERATE"
  }
}

cURL

curl --location --request POST 'https://uat-api.synapsefi.com/v3.1/users/5fd7acfd8677040053ad486d/nodes' \
--header 'X-SP-USER-IP: 255.127.79.76' \
--header 'X-SP-USER: oauth_WFecuSPqxGgU027IRAjtOf35vrNCpQZE1DYohX9y|e83cf6ddcf778e37bfe3d48fc78a6502062fc' \
--header 'Content-Type: application/json'
--data-raw '{
  "type": "DEPOSIT-US",
  "info": {
    "nickname":"My Deposit Account",
    "document_id":"2a4a5957a3a62aaac1a0dd0edcae96ea2cdee688ec6337b20745eed8869e3ac8",
    "custody" : "FDIC",
    "risk" : "MODERATE"
  }
}'

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Create Credit Account

There are four types of credit accounts -- Repay, One-Time, Open and Revolving. Following are examples of opening all four:

Create Repay Account

We require that you first generate a preview of the node agreement, display it to the user to get their consent and then create the account. To generate a preview, add "preview_only":true to the payload.

HTTP

POST /v3.1/users/5fd7acfd8677040053ad486d/nodes HTTP/1.1
Host: uat-api.synapsefi.com
X-SP-USER-IP: 255.127.79.76
X-SP-USER: oauth_Bno93GavyeDfbzt0kpwmjZrQdS8IMUVH65AC21Og|e83cf6ddcf778e37bfe3d48fc78a6502062fc
Content-Type: application/json

{
    "type": "REPAY-US",
    "info": {
        "loan_type": "ONE-TIME",
        "nickname": "My Loan",
        "credit_limit": {
            "amount": 5.2,
            "currency": "USD"
        },
        "interest": {
            "apr": 10,
            "cap": 5
        },
        "payment_node_id": "5fd7e2b0039b95223d5f4fd3",
        "disbursement_node_id": "5fd7e2b0039b95223d5f4fd3",
        "auto_pay": true,
        "document_id": "2a4a5957a3a62aaac1a0dd0edcae96ea2cdee688ec6337b20745eed8869e3ac8",
        "schedule": "MONTHLY",
        "next_payment": 30,
        "num_payments": 1,
        "reserve_node_id": "5fd901bb20b3aa0bc7caee85"
    },
    "extra": {
        "supp_id": "xx123c"
    }
}

cURL

curl --location --request POST 'https://uat-api.synapsefi.com/v3.1/users/5fd7acfd8677040053ad486d/nodes' \
--header 'X-SP-USER-IP: 255.127.79.76' \
--header 'X-SP-USER: oauth_WFecuSPqxGgU027IRAjtOf35vrNCpQZE1DYohX9y|e83cf6ddcf778e37bfe3d48fc78a6502062fc' \
--header 'Content-Type: application/json' \
--data-raw '{
    "type": "REPAY-US",
    "info": {
        "loan_type": "ONE-TIME",
        "nickname": "My Loan",
        "credit_limit": {
            "amount": 5.2,
            "currency": "USD"
        },
        "interest": {
            "apr": 10,
            "cap": 5
        },
        "payment_node_id": "5fd7e2b0039b95223d5f4fd3",
        "disbursement_node_id": "5fd7e2b0039b95223d5f4fd3",
        "auto_pay": true,
        "document_id": "2a4a5957a3a62aaac1a0dd0edcae96ea2cdee688ec6337b20745eed8869e3ac8",
        "schedule": "MONTHLY",
        "next_payment": 30,
        "num_payments": 1,
        "reserve_node_id": "5fd901bb20b3aa0bc7caee85"
    },
    "extra": {
        "supp_id": "xx123c"
    }
}'

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Create One-Time Credit Account

We require that you first generate a preview of the node agreement, display it to the user to get their consent and then create the account. To generate a preview, add "preview_only":true to the payload.

If disbursement_node_id = reserve_node_id, no liquidity is needed in reserve_node_id to issue the loan. The enables you to build installment based credit building loans without needing an upfront capital commitment from the end-user.

You may also charge an initial fee for a one-time credit account by including a fee field within the interest object and ensuring payment_node_id is valid. However, the fee must not cause the calculated apr to exceed the state limits.

HTTP

POST /v3.1/users/5fd7acfd8677040053ad486d/nodes HTTP/1.1
Host: uat-api.synapsefi.com
X-SP-USER-IP: 255.127.79.76
X-SP-USER: oauth_Bno93GavyeDfbzt0kpwmjZrQdS8IMUVH65AC21Og|e83cf6ddcf778e37bfe3d48fc78a6502062fc
Content-Type: application/json
Cookie: __cfduid=de9ca185b34253012e30046d93e73cef91605826497
Content-Length: 730

{
    "type": "LOAN-US",
    "info": {
        "loan_type": "ONE-TIME",
        "nickname": "My Loan",
        "credit_limit": {
            "amount": 5.2,
            "currency": "USD"
        },
        "interest": {
            "apr": 10,
            "cap": 5
        },
        "payment_node_id": "5fd7e2b0039b95223d5f4fd3",
        "disbursement_node_id": "5fd7e2b0039b95223d5f4fd3",
        "auto_pay": true,
        "document_id": "2a4a5957a3a62aaac1a0dd0edcae96ea2cdee688ec6337b20745eed8869e3ac8",
        "schedule": "MONTHLY",
        "next_payment": 30,
        "num_payments": 10,
        "reserve_node_id": "5fd901bb20b3aa0bc7caee85"
    },
    "extra": {
        "supp_id": "xx123c"
    }
}

cURL

curl --location --request POST 'https://uat-api.synapsefi.com/v3.1/users/5fd7acfd8677040053ad486d/nodes' \
--header 'X-SP-USER-IP: 255.127.79.76' \
--header 'X-SP-USER: oauth_WFecuSPqxGgU027IRAjtOf35vrNCpQZE1DYohX9y|e83cf6ddcf778e37bfe3d48fc78a6502062fc' \
--header 'Content-Type: application/json' \
--data-raw '{
    "type": "LOAN-US",
    "info": {
        "loan_type": "ONE-TIME",
        "nickname": "My Loan",
        "credit_limit": {
            "amount": 5.2,
            "currency": "USD"
        },
        "interest": {
            "apr": 10,
            "cap": 5
        },
        "payment_node_id": "5fd7e2b0039b95223d5f4fd3",
        "disbursement_node_id": "5fd7e2b0039b95223d5f4fd3",
        "auto_pay": true,
        "document_id": "2a4a5957a3a62aaac1a0dd0edcae96ea2cdee688ec6337b20745eed8869e3ac8",
        "schedule": "MONTHLY",
        "next_payment": 30,
        "num_payments": 10,
        "reserve_node_id": "5fd901bb20b3aa0bc7caee85"
    },
    "extra": {
        "supp_id": "xx123c"
    }
}'

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Create Open Credit Account

We require that you first generate a preview of the node agreement, display it to the user to get their consent and then create the account. To generate a preview, add "preview_only":true to the payload.

HTTP

POST /v3.1/users/5fd7acfd8677040053ad486d/nodes HTTP/1.1
Host: uat-api.synapsefi.com
X-SP-USER-IP: 255.127.79.76
X-SP-USER: oauth_Bno93GavyeDfbzt0kpwmjZrQdS8IMUVH65AC21Og|e83cf6ddcf778e37bfe3d48fc78a6502062fc
Content-Type: application/json

{
    "type": "LOAN-US",
    "info": {
        "loan_type": "OPEN",
        "nickname": "My Loan",
        "interest": {
            "apr": 10,
            "cap": 5
        },
        "document_id": "2a4a5957a3a62aaac1a0dd0edcae96ea2cdee688ec6337b20745eed8869e3ac8",
        "reserve_node_id": "5fd901bb20b3aa0bc7caee85",
        "schedule":"MONTHLY"
    },
    "extra": {
        "supp_id": "xx123c"
    }
}

cURL

curl --location --request POST 'https://uat-api.synapsefi.com/v3.1/users/5fd7acfd8677040053ad486d/nodes' \
--header 'X-SP-USER-IP: 255.127.79.76' \
--header 'X-SP-USER: oauth_Bno93GavyeDfbzt0kpwmjZrQdS8IMUVH65AC21Og|e83cf6ddcf778e37bfe3d48fc78a6502062fc' \
--header 'Content-Type: application/json' \
--data-raw '{
    "type": "LOAN-US",
    "info": {
        "loan_type": "OPEN",
        "nickname": "My Loan",
        "interest": {
            "apr": 10,
            "cap": 5
        },
        "document_id": "2a4a5957a3a62aaac1a0dd0edcae96ea2cdee688ec6337b20745eed8869e3ac8",
        "reserve_node_id": "5fd901bb20b3aa0bc7caee85",
        "schedule":"MONTHLY"
    },
    "extra": {
        "supp_id": "xx123c"
    }
}'

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Create Revolving Credit Account

We require that you first generate a preview of the node agreement, display it to the user to get their consent and then create the account. To generate a preview, add "preview_only":true to the payload.

HTTP

POST /v3.1/users/5fd7acfd8677040053ad486d/nodes HTTP/1.1
Host: uat-api.synapsefi.com
X-SP-USER-IP: 255.127.79.76
X-SP-USER: oauth_Bno93GavyeDfbzt0kpwmjZrQdS8IMUVH65AC21Og|e83cf6ddcf778e37bfe3d48fc78a6502062fc
Content-Type: application/json

{
    "type": "LOAN-US",
    "info": {
        "loan_type": "REVOLVING",
        "nickname": "My Loan",
        "credit_limit": {
            "amount": 50.2,
            "currency": "USD"
        },
        "interest": {
            "apr": 10,
            "cap": 5
        },
        "document_id": "2a4a5957a3a62aaac1a0dd0edcae96ea2cdee688ec6337b20745eed8869e3ac8",
        "schedule": "MONTHLY",
        "reserve_node_id": "5fd901bb20b3aa0bc7caee85"
    },
    "extra": {
        "supp_id": "xx123c"
    }
}

cURL

curl --location --request POST 'https://uat-api.synapsefi.com/v3.1/users/5fd7acfd8677040053ad486d/nodes' \
--header 'X-SP-USER-IP: 255.127.79.76' \
--header 'X-SP-USER: oauth_Bno93GavyeDfbzt0kpwmjZrQdS8IMUVH65AC21Og|e83cf6ddcf778e37bfe3d48fc78a6502062fc' \
--header 'Content-Type: application/json' \
--header 'Cookie: __cfduid=de9ca185b34253012e30046d93e73cef91605826497' \
--data-raw '{
    "type": "LOAN-US",
    "info": {
        "loan_type": "REVOLVING",
        "nickname": "My Loan",
        "credit_limit": {
            "amount": 50.2,
            "currency": "USD"
        },
        "interest": {
            "apr": 10,
            "cap": 5
        },
        "document_id": "2a4a5957a3a62aaac1a0dd0edcae96ea2cdee688ec6337b20745eed8869e3ac8",
        "schedule": "MONTHLY",
        "reserve_node_id": "5fd901bb20b3aa0bc7caee85"
    },
    "extra": {
        "supp_id": "xx123c"
    }
}'

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Booking an Adverse Action

In some instances, you will need to book Adverse Actions in our system. Here is an example of how to do that:

HTTP

POST /v3.1/users/5fd7acfd8677040053ad486d/nodes HTTP/1.1
Host: uat-api.synapsefi.com
X-SP-USER-IP: 255.127.79.76
X-SP-USER: oauth_Bno93GavyeDfbzt0kpwmjZrQdS8IMUVH65AC21Og|e83cf6ddcf778e37bfe3d48fc78a6502062fc
Content-Type: application/json

{
    "type": "LOAN-US",
    "info": {
        "loan_type": "REVOLVING",
        "nickname": "My Loan",
        "credit_limit": {
            "amount": 500.2,
            "currency": "USD"
        },
        "interest": {
            "apr": 10,
            "cap": 5
        },
        "payment_node_id": "5fd7e2b0039b95223d5f4fd3",
        "document_id": "2a4a5957a3a62aaac1a0dd0edcae96ea2cdee688ec6337b20745eed8869e3ac8",
        "schedule": "MONTHLY",
        "next_payment": 30,
        "num_payments": 10,
        "reserve_node_id": "5fd901bb20b3aa0bc7caee85"
    },
    "extra": {
        "supp_id": "xx123c",
        "note": "ACCOUNT|TOOSHORT"
    },
    "allowed": "REJECTED"
}

cURL

curl --location --request POST 'https://uat-api.synapsefi.com/v3.1/users/5fd7acfd8677040053ad486d/nodes' \
--header 'X-SP-USER-IP: 255.127.79.76' \
--header 'X-SP-USER: oauth_Bno93GavyeDfbzt0kpwmjZrQdS8IMUVH65AC21Og|e83cf6ddcf778e37bfe3d48fc78a6502062fc' \
--header 'Content-Type: application/json' \
--header 'Cookie: __cfduid=de9ca185b34253012e30046d93e73cef91605826497' \
--data-raw '{
    "type": "LOAN-US",
    "info": {
        "loan_type": "REVOLVING",
        "nickname": "My Loan",
        "credit_limit": {
            "amount": 500.2,
            "currency": "USD"
        },
        "interest": {
            "apr": 10,
            "cap": 5
        },
        "payment_node_id": "5fd7e2b0039b95223d5f4fd3",
        "document_id": "2a4a5957a3a62aaac1a0dd0edcae96ea2cdee688ec6337b20745eed8869e3ac8",
        "schedule": "MONTHLY",
        "next_payment": 30,
        "num_payments": 10,
        "reserve_node_id": "5fd901bb20b3aa0bc7caee85"
    },
    "extra": {
        "supp_id": "xx123c",
        "note": "ACCOUNT|TOOSHORT"
    },
    "allowed": "REJECTED"
}'

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Create ACH Account

There are two ways to link an ACH account with us:

Method #1: Link via Account/Routing Number May require micro-deposit verification if indicated in your spec sheet.

HTTP

POST /v3.1/users/5fd7acfd8677040053ad486d/nodes HTTP/1.1
Host: uat-api.synapsefi.com
X-SP-USER-IP: 255.127.79.76
X-SP-USER: oauth_Bno93GavyeDfbzt0kpwmjZrQdS8IMUVH65AC21Og|e83cf6ddcf778e37bfe3d48fc78a6502062fc
Content-Type: application/json

{
  "type": "ACH-US",
  "info": {
    "nickname": "Fake Account",
    "account_num": "12322134",
    "routing_num": "051000017",
    "type": "PERSONAL",
    "class": "CHECKING"
  }
}

cURL

curl --location --request POST 'https://uat-api.synapsefi.com/v3.1/users/5fd7acfd8677040053ad486d/nodes' \
--header 'X-SP-USER-IP: 255.127.79.76' \
--header 'X-SP-USER: oauth_Bno93GavyeDfbzt0kpwmjZrQdS8IMUVH65AC21Og|e83cf6ddcf778e37bfe3d48fc78a6502062fc' \
--header 'Content-Type: application/json' \
--data-raw '{
  "type": "ACH-US",
  "info": {
    "nickname": "Fake Account",
    "account_num": "12322134",
    "routing_num": "051000017",
    "type": "PERSONAL",
    "class": "CHECKING"
  }
}'

Method #2: Link via Account Aggregation (with a 3rd Party Vendor) To link an ACH account using a 3rd party vendor, supply data from the 3rd party vendor in the following format. Please note that you will require 3 months minimum of the user's transaction data in order to skip micro-deposits. Please designate negative values with "debit" : true/false (boolean).

HTTP

POST /v3.1/users/61281718f8db933279d02c3a/nodes HTTP/1.1
Host: uat-api.synapsefi.com
X-SP-USER-IP: 255.127.79.76
X-SP-USER: oauth_1rmOEzWCiwXG09Z7tefxY3AhKRQTaqDUMBpJPIV4|e83cf6ddcf778e37bfe3d48fc78a6502062fc
Content-Type: application/json
Content-Length: 1831

{
  "type": "ACH-US",
  "info": {
    "nickname": "Fake Account",
    "account_num": "1232225674134",
    "routing_num": "051000017",
    "type": "PERSONAL",
    "class": "CHECKING"
  },
  "extra": {
    "supp_id": "pJPM4LMBNQFrOwp0jqEyTwyxJQrQbgU6kq37k",
    "other": {
      "info": {
        "phone_numbers": [
          "1112223456",
          "1234567891"
        ],
        "addresses": [
          {
            "street": "1 Hobbit Way",
            "city": "The Shire",
            "state": "CA",
            "zipcode": "94108"
          }
        ],
        "names": [
          "Frodo Baggins",
          "Samwise Gamgee"
        ],
        "emails": [
          "[e-mail]"
        ]
      },
      "transactions": [
        {
          "current_balance": 2275.58,
          "description": "Apple Store",
          "amount": 2307.15,
          "date": 1403506800,
          "pending": false,
          "debit": true
        },
        {
          "current_balance": 2275.58,
          "description": "Golden Crepes",
          "amount": 12.74,
          "date": 1399878000,
          "pending": false,
          "debit": true
        },
        {
          "current_balance": 2275.58,
          "description": "Banana Republic",
          "amount": 118.23,
          "date": 1398495600,
          "pending": false,
          "debit": true
        },
        {
          "current_balance": 2275.58,
          "description": "Octane Coffee Bar and Lounge",
          "amount": 5.32,
          "date": 1397718000,
          "pending": false,
          "debit": true
        },
        {
          "current_balance": 2275.58,
          "description": "Papa Johns Pizza",
          "amount": 28.57,
          "date": 1397199600,
          "pending": false,
          "debit": true
        }
      ]
    }
  }
}

cURL

curl --location --request POST 'https://uat-api.synapsefi.com/v3.1/users/61281718f8db933279d02c3a/nodes' \
--header 'X-SP-USER-IP: 255.127.79.76' \
--header 'X-SP-USER: oauth_1rmOEzWCiwXG09Z7tefxY3AhKRQTaqDUMBpJPIV4|e83cf6ddcf778e37bfe3d48fc78a6502062fc' \
--header 'Content-Type: application/json' \
--data-raw '{
  "type": "ACH-US",
  "info": {
    "nickname": "Fake Account",
    "account_num": "1232225674134",
    "routing_num": "051000017",
    "type": "PERSONAL",
    "class": "CHECKING"
  },
  "extra": {
    "supp_id": "pJPM4LMBNQFrOwp0jqEyTwyxJQrQbgU6kq37k",
    "other": {
      "info": {
        "phone_numbers": [
          "1112223456",
          "1234567891"
        ],
        "addresses": [
          {
            "street": "1 Hobbit Way",
            "city": "The Shire",
            "state": "CA",
            "zipcode": "94108"
          }
        ],
        "names": [
          "Frodo Baggins",
          "Samwise Gamgee"
        ],
        "emails": [
          "[e-mail]"
        ]
      },
      "transactions": [
        {
          "current_balance": 2275.58,
          "description": "Apple Store",
          "amount": 2307.15,
          "date": 1403506800,
          "pending": false,
          "debit": true
        },
        {
          "current_balance": 2275.58,
          "description": "Golden Crepes",
          "amount": 12.74,
          "date": 1399878000,
          "pending": false,
          "debit": true
        },
        {
          "current_balance": 2275.58,
          "description": "Banana Republic",
          "amount": 118.23,
          "date": 1398495600,
          "pending": false,
          "debit": true
        },
        {
          "current_balance": 2275.58,
          "description": "Octane Coffee Bar and Lounge",
          "amount": 5.32,
          "date": 1397718000,
          "pending": false,
          "debit": true
        },
        {
          "current_balance": 2275.58,
          "description": "Papa Johns Pizza",
          "amount": 28.57,
          "date": 1397199600,
          "pending": false,
          "debit": true
        }
      ]
    }
  }
}'

Create Interchange Account

In the following example the card number and expiration date are encrypted. Go to Encryption Keys for Interchange to learn more.

HTTP

POST /v3.1/users/5fd7acfd8677040053ad486d/nodes HTTP/1.1
Host: uat-api.synapsefi.com
X-SP-USER-IP: 255.127.79.76
X-SP-USER: oauth_Bno93GavyeDfbzt0kpwmjZrQdS8IMUVH65AC21Og|e83cf6ddcf778e37bfe3d48fc78a6502062fc
Content-Type: application/json

{
  "type": "INTERCHANGE-US",
  "info": {
    "nickname": "My BofA Card",
    "card_number": "UvW1n0FaSDjS/4h/u79hf7QF1pG6VuRMlSvoro5SDEt28YMkPaUJIVSBvIPSilFKYRX+jUw+nE0X7QxR/ZWAiLnkJHPo1R1KlolVBCvWefandgyBqc+8nmUw2gDqNV5XoOmUbraHIhhp3YxpBtlqljIcQvLyY6lnZij/UknLwU+QWltLkb4ppvOA1njwWHJWl795VoCsVHCab9gcU6dALH4xwIvezY9JXImQOsNQusT6OeagjDhjbTy/jfuu5aVOB+WqheW2r7TLR3Z0SAZsCm5vL0NjgP0Bi8dY9aZDsydEcqTQSn8+hLmdwnIoIw58xWHoIPFa3NfhCMPiPWyXzw==",
    "exp_date": "btnU+/L6NxZyd5dyl4BXK6raVMAp4ATGxST9KYN6KSOvY5IyfeKXfbwK5qCGk5071Tt0jst1yJShQNbSi4I+gUABmSTEZoBit13CT8C1uiRyT4sj8RhkMnyw/88eHIS5BKUXWib3wsfCxYac1Uq7lSdhReU1DHh8CoknDJt0GCFO1duxS0qLgrvB6WqkTgLQfYsRAZUDUO8O7sTUgGyoWdbu4CHoK1w+NJOQi3hWF5D90X60vaZaOxyEo4OljBZ6oAPiMf+L9IG58ADjsRm81TTwfhfzMObNRed+MEiDVzn7keR+0vniRzp1BPHO2aTxKKauhmZsRaWViIDah/tIbw==",
    "document_id": "6753aae40deb54eadee3d8272e6e1777337d34d52f71655c774a894fe3f6a1e0"
  }
}

cURL

curl --location --request POST 'https://uat-api.synapsefi.com/v3.1/users/5fd7acfd8677040053ad486d/nodes' \
--header 'X-SP-USER-IP: 255.127.79.76' \
--header 'X-SP-USER: oauth_Bno93GavyeDfbzt0kpwmjZrQdS8IMUVH65AC21Og|e83cf6ddcf778e37bfe3d48fc78a6502062fc' \
--header 'Content-Type: application/json' \
--data-raw '{
  "type": "INTERCHANGE-US",
  "info": {
    "nickname": "My BofA Card",
    "card_number": "Zoo8g2vBUjt7TwmEpRW8f6eQT3AOEEYePw2LkoxD+mO9lOT5OemHlGwgamgLGUbrmWu3DPwnEr2IqDy5YMFVgvQWP3w9nLOFzFFSW43auDgsVAqZScoRf8nI+6/B9KvOEV4XI8JeyXT+O+y3p3RtbiXGmYQNJ56Hy3hs2E5O+yn+3fpLfJQpVvNc38V+aE21VEsJuXFFNtS/8r4jJ6Dx/etTEaE/rtcEUEbwLLHFHjPiOWaHWZPuhXFLtyYrR9zG8FWSJVFwNTG/mEpv2O7We1iCB+9WoEKqdHyGwjjBcVgkUlU5huJIXv9xj53RGNvmHkDFTqgrlHpKkb0E/Ot0Zg==",
    "exp_date": "ctA4Zj1CP0WCiMefPYsyewVbIHNilfwA09X9NSCyWxft4WGwFZmZkhsBJh51QL751/iFkUHbd09ZpDYjS86PqyNPZ5LkBueGHDIghLwWyzH1l99RiIs8urOW9c4g3L1USD+kzzRAqG1DBkW47FAX6AhPSi3YgQd94ery1H+asaqDrP79ayzoJ+nRXeEqe83FIgNUk/J5+EcAz3JYnoBmp1sfz7a4zHkvk0eKCxQWLETdqvONyCZyXdC/4CkaCxJ/87VsN3i4+ToULtSluRv8xr1NpRhzipKiEKTYW1nvNDAaJQezTVP/+GxmTmQfnfpVNDpJbXjNrOTej1HgMFpg4w==",
    "document_id": "2a4a5957a3a62aaac1a0dd0edcae96ea2cdee688ec6337b20745eed8869e3ac8"
  }
}'

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Address Validation (AVS)

To enable additional address validation, please make a request via support or your growth manager, for an update to your platform configuration. AVS is configured per CIP tag. To fully utilize this service, you will need to provide:

Key	Type	Required	Description
info.security_code	String	Yes	Used to complete AVS validation. This is the card CVV. NOTE: Use same encoding method as with card number and expiration date.
info.strict_avs_validation	Boolean	No	If AVS check fails, with this set to True, the node will not be created.

The results of AVS validation include:

Key	Type	Required	Description
extra.other.avs.avs_match	Boolean	No	Address validated, or not.
extra.other.avs.result	String	No	When present, results will be DECLINED or NOT_DECLINED. NOTE: Results are filtered to avoid fraud. Reach out to support if additional detail is needed.

Create Wire Account

HTTP

POST /v3.1/users/5fd7acfd8677040053ad486d/nodes HTTP/1.1
Host: uat-api.synapsefi.com
X-SP-USER-IP: 255.127.79.76
X-SP-USER: oauth_Bno93GavyeDfbzt0kpwmjZrQdS8IMUVH65AC21Og|e83cf6ddcf778e37bfe3d48fc78a6502062fc
Content-Type: application/json

{
  "type": "WIRE-US",
  "info":{
      "nickname": "Some Account",
      "account_num": "1235674342",
      "routing_num": "026009593"
    }
}

cURL

curl --location --request POST 'https://uat-api.synapsefi.com/v3.1/users/5fd7acfd8677040053ad486d/nodes' \
--header 'X-SP-USER-IP: 255.127.79.76' \
--header 'X-SP-USER: oauth_Bno93GavyeDfbzt0kpwmjZrQdS8IMUVH65AC21Og|e83cf6ddcf778e37bfe3d48fc78a6502062fc' \
--header 'Content-Type: application/json' \
--data-raw '{
  "type": "WIRE-US",
  "info":{
      "nickname": "Some Account",
      "account_num": "1235674342",
      "routing_num": "026009593"
    }
}'

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Create SWIFT Account

Below is the minimum request body to create a WIRE-INT node, some countries will require additional information. Please refer to Node Object Details for other country specific required attributes.

HTTP

POST /v3.1/users/5fd7acfd8677040053ad486d/nodes HTTP/1.1
Host: uat-api.synapsefi.com
X-SP-USER-IP: 255.127.79.76
X-SP-USER: oauth_Bno93GavyeDfbzt0kpwmjZrQdS8IMUVH65AC21Og|e83cf6ddcf778e37bfe3d48fc78a6502062fc
Content-Type: application/json

{
    "type": "WIRE-INT",
    "info": {
        "nickname": "Some Account",
        "account_num": "1235674342",
        "swift": "CCBPFRPPXXX"
    }
}

cURL

curl --location --request POST 'https://uat-api.synapsefi.com/v3.1/users/5fd7acfd8677040053ad486d/nodes' \
--header 'X-SP-USER-IP: 255.127.79.76' \
--header 'X-SP-USER: oauth_Bno93GavyeDfbzt0kpwmjZrQdS8IMUVH65AC21Og|e83cf6ddcf778e37bfe3d48fc78a6502062fc' \
--header 'Content-Type: application/json' \
--data-raw '{
    "type": "WIRE-INT",
    "info": {
        "nickname": "Some Account",
        "account_num": "1235674342",
        "swift": "CCBPFRPPXXX"
    }
}'

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Create RPPS Account

In the following example the account number is encrypted. Go to Encryption Keys for RPPS to learn more.

Also go to View Billers to learn how to get biller_id.

HTTP

POST /v3.1/users/5fd7acfd8677040053ad486d/nodes HTTP/1.1
Host: uat-api.synapsefi.com
X-SP-USER-IP: 255.127.79.76
X-SP-USER: oauth_Bno93GavyeDfbzt0kpwmjZrQdS8IMUVH65AC21Og|e83cf6ddcf778e37bfe3d48fc78a6502062fc
Content-Type: application/json

{
    "type": "RPPS-US",
    "info": {
        "nickname": "Fake Account",
        "account_num": "ihvwKkb0RrsRSqlOJo3xXCTX7hADg2eA+dN3nSVoFsulhypfDlFLoVrdM0I4T/7rX0ZPj7IdlHDUmkGFm/PwQ9Of/FDzg74h/hdIpS48KNAJR31ZZaGecTpL8AOYDM0oCWS2bnowOG+2pPNP7aa63d4DK5I+uzK9y95eIvWrcnM6GM9dYUFm2pIvW1WrXr2qVr+WpjRUSbfLAky0cNzvg3CQsjusLZfA3W2c7QKJjL4ICBRvzwLhb90m2U3uFGiS3xCdYy+tcXtEK1KZfvAq6Ic+Gxe//jDIOl/vQSW/aVxFA5Lz/wCf4zmFCB2HYKvg4wYAeXgyufaZZDwb6r/duQ==",
        "biller_id": "0311001621"
    }
}

cURL

curl --location --request POST 'https://uat-api.synapsefi.com/v3.1/users/5fd7acfd8677040053ad486d/nodes' \
--header 'X-SP-USER-IP: 255.127.79.76' \
--header 'X-SP-USER: oauth_Bno93GavyeDfbzt0kpwmjZrQdS8IMUVH65AC21Og|e83cf6ddcf778e37bfe3d48fc78a6502062fc' \
--header 'Content-Type: application/json' \
--data-raw '{
    "type": "RPPS-US",
    "info": {
        "nickname": "Fake Account",
        "account_num": "ihvwKkb0RrsRSqlOJo3xXCTX7hADg2eA+dN3nSVoFsulhypfDlFLoVrdM0I4T/7rX0ZPj7IdlHDUmkGFm/PwQ9Of/FDzg74h/hdIpS48KNAJR31ZZaGecTpL8AOYDM0oCWS2bnowOG+2pPNP7aa63d4DK5I+uzK9y95eIvWrcnM6GM9dYUFm2pIvW1WrXr2qVr+WpjRUSbfLAky0cNzvg3CQsjusLZfA3W2c7QKJjL4ICBRvzwLhb90m2U3uFGiS3xCdYy+tcXtEK1KZfvAq6Ic+Gxe//jDIOl/vQSW/aVxFA5Lz/wCf4zmFCB2HYKvg4wYAeXgyufaZZDwb6r/duQ==",
        "biller_id": "0311001621"
    }
}'

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Create Check Account

HTTP

POST /v3.1/users/5fd7acfd8677040053ad486d/nodes HTTP/1.1
Host: uat-api.synapsefi.com
X-SP-USER-IP: 255.127.79.76
X-SP-USER: oauth_Bno93GavyeDfbzt0kpwmjZrQdS8IMUVH65AC21Og|e83cf6ddcf778e37bfe3d48fc78a6502062fc
Content-Type: application/json

{
  "type": "CHECK-US",
  "info":{
      "nickname":"Rent",
      "payee_name":"Some Name",
      "payee_address":{
      	"address_street":"1 Market St",
      	"address_city":"San Francisco",
      	"address_subdivision":"CA",
      	"address_country_code":"US",
      	"address_postal_code":"94105"
      }
  }
}

cURL

curl --location --request POST 'https://uat-api.synapsefi.com/v3.1/users/5fd7acfd8677040053ad486d/nodes' \
--header 'X-SP-USER-IP: 255.127.79.76' \
--header 'X-SP-USER: oauth_Bno93GavyeDfbzt0kpwmjZrQdS8IMUVH65AC21Og|e83cf6ddcf778e37bfe3d48fc78a6502062fc' \
--header 'Content-Type: application/json' \
--data-raw '{
  "type": "CHECK-US",
  "info":{
      "nickname":"Rent",
      "payee_name":"Some Name",
      "payee_address":{
      	"address_street":"1 Market St",
      	"address_city":"San Francisco",
      	"address_subdivision":"CA",
      	"address_country_code":"US",
      	"address_postal_code":"94105"
      }
  }
}'

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