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.

{
    "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
}

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

Go to 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.

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 --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

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 --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

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 --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

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.

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 --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

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 --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

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 --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 in our system. Here is an example of how to do that:

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 --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 if indicated in your spec sheet.

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 --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).

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": [
          "frodo.baggins@hobbit.com"
        ]
      },
      "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 --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": [
          "frodo.baggins@hobbit.com"
        ]
      },
      "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 to learn more.

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 --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"
  }
}'

//

//

//

//

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

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

Address validated, or not.

extra.other.avs.result

String

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

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 --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"
    }
}'

//

//

//

//

Create SWIFT Account

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

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 --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"
    }
}'

//

//

//

//

Create RPPS Account

In the following example the account number is encrypted. Go to to learn more.

Also go to to learn how to get biller_id.

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 --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"
    }
}'

//

//

//

//

Create Check Account

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 --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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