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...1.1.0
© 2021 U.S. Bank
Introduction
About Account Validation
Account Validation provides a convenient way for you to verify who owns a bank account and to determine whether it's active before you initiate a payment transaction.
Use Account Validation for:
Prevention of financial losses due...
...sending a payment. With a few key details, the Account Validation API allows partner applications to validate customer account information and/or account ownership. Utilizing this functionality enables partners to safely and securely complete all types of payments transactions.
Features
Initiate...
Tags: account validation, payments, risk mitigation
...before a credit or debit request is submitted. Account Validation services can be leveraged as a precursor for any type of payment transaction providing partners and clients the assurance they need to send their money movement request.
Features
Initiate an inquiry to validate account details for...
Tags: account validation, fraud prevention, payments, risk mitigation
...resources
Resource
Description
Usage
Account Validation
Verify the account ownership and status of an external account
POST /account-validation
POST /account-validation
Verify the account ownership and status of an of an external account and invoke EWS AOA service, run rules on...
...resources
Resource
Description
Usage
Account Validation
Verify the account ownership and status of an external account
POST /account-validation
POST /account-validation
Verify the account ownership and status of an of an external account and invoke EWS AOA service, run rules on...
...searches can be performed on individual accounts. Account IDs always begin with the digit 8.
This example returns the 2nd page of search results within the level-1 organization 100001234.
POST /voyager/account-management/driver-services/v1/drivers/search HTTP 1.1
Authorization: Bearer...
..."recipientName": "John Snow",
"recipientAccountType": "Checking",
"recipientAccountNumber": "77777777777777777",
"recipientRoutingNumber": "888888888",
"recipientIdentificationNumber": "1234"
},
"transactionDetails": {
"transactionType": "Payment",
"standardEntryClassCode": "PPD",
...
...via the API.
Not Supported: GET /accounts GET /accounts/{accountId}
transactions
The lifecycle of a payment is recorded as a set of transactions.
Supported: GET /accounts/{accountId}/transactions
A fleet transaction has this lifecycle:
graph LR
1[Pre-Authorized: Purchase Initiated]
...
...organization is a colletion of multiple accounts.
account
An account is a collection of multiple cards.
card
A card is used to make fleet purchases, which generates transactions.
transactions
The lifecycle of a payment is recorded as a set of transactions.
POST /transactions/search
A...
...API as part of the request in the Authorization header.
GET "Authorization: Bearer eyJhbGci-SAMPLE-XifQ.eyJzY29w-SAMPLE-ZSI6WyJvXTl9.DYBCx7Jkecl-SAMPLE-poeZow5Gzd0dVg"
https://../v3/account{accountid}/accountdetails
Authorization Responses
Successful responses will return a HTTP 200 OK response....
...API as part of the request in the Authorization header.
GET "Authorization: Bearer eyJhbGci-SAMPLE-XifQ.eyJzY29w-SAMPLE-ZSI6WyJvXTl9.DYBCx7Jkecl-SAMPLE-poeZow5Gzd0dVg"
https://../v3/account{accountid}/accountdetails
Authorization Responses
Successful responses will return a HTTP 200 OK response....
...API as part of the request in the Authorization header.
GET "Authorization: Bearer eyJhbGci-SAMPLE-XifQ.eyJzY29w-SAMPLE-ZSI6WyJvXTl9.DYBCx7Jkecl-SAMPLE-poeZow5Gzd0dVg"
https://../v3/account{accountid}/accountdetails
Authorization Responses
Successful responses will return a HTTP 200 OK response....
...API as part of the request in the Authorization header.
GET "Authorization: Bearer eyJhbGci-SAMPLE-XifQ.eyJzY29w-SAMPLE-ZSI6WyJvXTl9.DYBCx7Jkecl-SAMPLE-poeZow5Gzd0dVg"
https://../v3/account{accountid}/accountdetails
Authorization Responses
Successful responses will return a HTTP 200 OK response....
...Resources
Resource
Description
Usage
account
An account is a collection of multiple cards.
cards
Control a specific card within a Voyager account.
Supported: POST /cards/v1/cancel POST /cards/v1/suspend POST /cards/v1/unsuspend
These card operations are supported:
Cancel - permanently disable the...
...is a fast, easy, and inexpensive way to enhance accounts payable (AP) bank integration and does not require extensive knowledge of terminology or file formatting.
Features
Check origination
Originate domestic checks.
Update submitted checks (before processing).
Include multiple recipients on a...
Tags: checks, payables, payments
...verifies the identity of the API client. Account Validation API clients are required to authenticate via OAuth 2.0 using the client credentials grant type. Credentials are obtained by registering with U.S. Bank as an API partner. Once registered, these credentials will be...
Product notes
Version 1.0
© 2020 U.S. Bank
Here's whats new in Account Validation!
Revision History
Version
Path
Release
1.0
Account Validation API content release
November 2020
...verifies the identity of the API client. Account Validation API clients are required to authenticate via OAuth 2.0 using the client credentials grant type. Credentials are obtained by registering with U.S. Bank as an API partner. Once registered, these credentials will be...
Product notes
Version 1.1.0
© 2021 U.S. Bank
Here's whats new in Account Validation!
Revision History
Version
Highlights
Release
1.0
Account Validation API content release
November 2020
1.1.0
Added Translated Responses as an optional response payload type
March 2021
...]
},
"paymentID": "PI0000000043097",
"accountNumbers": [
196471011078
],
"checkNumbers": [
196471045890
],
"memo": "string",
"paymentCreationtDateRangeBegin": "2018-05-02T14:30",
"paymentCreationDateRangeEnd": "2018-05-02T14:30",
"achCreateDateRangeBegin": "2018-04-01T14:30",
...
...{
"requestorName": "John",
"accountNumber": "10120230340450567",
"routingNumber": "000123456"
},
"recipientDetails": {
"recipientNames": [
"John Second",
"John Third"
],
"phone": "888-888-8888",
"email": "john.snow@theWall.com",
"mailDeliveryFlag": "FIRST_CLASS",
...
...},
"payeeDetails": {
"name": "Zeal Inc",
"accountNumber": "12344232122",
"routingNumber": 122105155
},
"ultimatePayeeDetails": {
"name": "Jim K",
"identifier": "12344232122",
"address": {
"addressLine1": "100 Main St",
"addressLine2": "Apt 116",
"city": "Chicago",
"state": "IL",
...
...},
"payeeDetails": {
"name": "Zeal Inc",
"accountNumber": "12344232122",
"routingNumber": 122105155
},
"ultimatePayeeDetails": {
"name": "Jim K",
"identifier": "12344232122",
"address": {
"addressLine1": "100 Main St",
"addressLine2": "Apt 116",
"city": "Chicago",
"state": "IL",
...
..."payerDetails": {
"name": "Zeal Inc",
"accountNumber": "xxxxxxx2122",
"address": {
"addressLine1": "100 Main St",
"addressLine2": "Apt 116",
"city": "Chicago",
"state": "IL",
"zipCode": "60606",
"country": "US"
}
},
"ultimatePayerDetails": {
"name": "John D",
"identifier":...
...for an account
GET /account/{accountId} POST /account
accounts-details
Get account details for an array of accounts
GET /accounts-details POST /accounts-details
transactions
Get account transactions
GET /account/{accountId}/transactionsPOST /account/transactions
statements
Get list of account...
...for an account
GET /account/{accountId} POST /account
accounts-details
Get account details for an array of accounts
GET /accounts-details POST /account-details
statements
Get list of account statements
GET/account/{accountId}/statements POST /account/statements
statement
Get account...
...transaction details for an account
GET /accounts/{accountID/transactions/current-day GET /accounts/{accountID/transactions/previous-day
statements
Get account statements
GET /accounts/{accountID}/statements GET /accounts/{accountID}/statements/{statementId}
Corporate Account Information...
...for an account
GET /account/{accountId} POST /account
accounts-details
Get account details for an array of accounts
GET /accounts-details POST /accounts-details
transactions
Get account transactions
GET /account/{accountId}/transactionsPOST /account/transactions
Before getting started be sure...
...for an account
GET /account/{accountId} POST /account
accounts-details
Get account details for an array of accounts
GET /accounts-details POST /account-details
Before getting started be sure to have: Consumer Key, Consumer Secret, Redirect_URI. Refer to the Security Guide for more...
...than three months of income in their savings account.
Account aggregation
Use our Transactions API as part of your aggregation strategy or get access to authorized consumer transactions data to populate personal financial management tools in financial technology applications.
First, go to our...
Tags: transactions, accounts, checking, savings, aggregator, account aggregation, data toolbox
...habits.
How to make a recommendation on savings account balance
Use the Accounts API to determine if a savings account is present.
Get the current balance of the savings account.
Compare the savings balance against consumer income to see if it meets the average three-month benchmark for healthy...
Tags: data, account aggregation, applications, account management, accounts, checking, savings, credit card, line of credit, loans, mortgage, brokerage, tax, financial health, risk, payoff, OAuth
...include items such as:
Account type
Account description
Balances
Interest rate
Loan details
Holdings
Workflow
Example use cases
Interact with authorized consumer data through our Accounts API to provide value-added services and products that many enrich their financial...
Tags: account management, accounts, checking, savings, credit card, line of credit, loans, mortgage, brokerage, IRA, retirement, investments
...lists of company deposit accounts.
Collect detailed account balances for current day and previous day, with collection capability of up to 50 accounts at a time. Balance information includes an available balance, ledger balance and collected balances for previous and...
Tags: corporate accounts, treasury reporting, cash positioning
...This menu is displayed in the screenshot below.
Account information
The Account page allows you to view your account information including first and last name, username and email, and organization. On the account information page, you can update for your first or last name at any time. If you...
...documents
Call the Statement resource using accounts/{accountId}/statement to get a list of all statement documents, saving the {statementId} for each.
Call the Statement resource using accounts/{accountId}/statement/{statementId} to get an individual statement document.
Restrictions
The...
Tags: tax document, tax, loan, mortgage, PDF, credit, checking, savings, data toolbox
...that you always keep your Developer Portal account information safe, including any name, access code, account number, or other credential information used to gain access to the Developer Portal.
Note that U.S. Bank will never initiate a request via email or otherwise for your User...
...Data Toolbox is U.S. Bank flag ship product in the Data Toolbox line.
Revision History
Version
Path
Highlights
Release Date
1.0
/accounts//account/customer/account/statements/account/tax/account/transactions
Initial release
July 31, 2019
...as requested.
Approved users will receive an account activation email that will provide instructions on how to access their account the first time. After getting access, you’ll have full use of our API products.
What should I do if I didn't receive the account activation email?
First, check...
...masked values are now completely unmasked:
account.accountIdNum
vehicle.vin
See the latest API specification for all the details.
Revision History
Version
Path
Highlights
Release Date
2.0
/voyager/account-management/transaction-services/v1
Organization searchPOST requestUnmasked...
...the user-specified ID was ignored.
{
"accountID": "87654321",
"driverID": "012345",
...
}
Workaround: Do not specify a driverID when the account is configured to assign a system-generated ID. As a safeguard, always compare the requested ID with the actual ID in the response.
Voyager...
...direct access to your Voyager accounts to manage all fleet cards, drivers and vehicles in real time.
Lifecycle Management
Add new cards, drivers and vehicles.
Modify existing cards, drivers and vehicles.
Deactivate or reactivate them individually.
Spending Controls
Define and...
...need to store your customer's sensitive bank account details.
Features
Manage and complete payments all in one place.
Complete a Zelle payment.
Check the enrollment status of up to 50 Zelle aliases.
Send money to a consumer through the Zelle Network.
Issue checks to consumers that aren't...
Tags: payments, disbursements, transfers, Zelle
...transfer money from her U.S. Bank checking account to her friend who paid for the dinner. Behind the transaction, the RTP® Credit Transfer Message API is used in communicating with the third-party app that sends money from her account to her friend.
Retrieve submitted real-time payment...
Tags: payments, RTP, disbursements, transfers
...of several products in the Data Toolbox line.
Revision History
Version
Path
Highlights
Release Date
1.0
/account/statements/account/tax
Initial release
July 31, 2019
...in the future.
Revision History
Version
Path
Highlights
Release Date
1.0
/voyager/account-management/card-services/v1/cards/cancel/voyager/account-management/card-services/v1/cards/suspend/voyager/account-management/card-services/v1/cards/unsuspend
UAT Release
Sept 21, 2020
...that helps customers send money from their accounts to contacts using transfer money from their financial applications. In using the RTP® API, Maria's team solves the issue and their customers with U.S. Bank checking accounts can send payments to contacts, family and friends anytime,...
Tags: payments, RTP, disbursements, transfers, receivables
...ever before.
Features
Create and manage various account transactions with greater speed and efficiency.
ACH origination
Originate domestic ACH payments or collections.
Send originated ACH transactions at standard or same-day speeds.
Receive timely confirmation on ACH origination...
Tags: payments, collections, ACH, disbursements, transfers
Corporate Account Information Product Security
Version 1.0
© 2020 U.S. Bank
Authentication verifies the identity of the API client. Corporate Account Information API clients are required to authenticate via OAuth 2.0 using the client credentials grant type. Credentials are obtained by registering...
...within a fleet. It comes along with an online account management tool with built-in fraud controls, so you can view transactions in real time. Also, fleet payment cards let drivers across the country handle their expenses efficiently.
Features
Secure transfers
Provide secure authentication and...
...start building your solutions.
1. Request your account
Requesting an account is easy. The on-screen instructions can guide you along the way. If you need help, reach out to us on our Contact us page or send a message to apisupport@usbank.com.
Please note that our team will evaluate and approve...
...API enables fleets to manage cardmember’s account history and data immediately, rather than waiting for daily batch files to run or contacting customer service for inquiries. The API provides direct system access to all Voyager card transactions and online account management, allowing...
...within a fleet. It comes along with an online account management tool with built-in fraud controls, so you can view transactions in real time. Also, fleet payment cards let drivers across the country handle their expenses efficiently.
Features
Secure transfers
Provide secure authentication and...
...for Payment API. His friend, who works in accounts payable for the company, has noticed the difference it’s made in working with her vendors and partners. She can now receive requests to pay invoices in real time via Request for Payment and can immediately submit a payment in return,...
Tags: payments, RTP, disbursements, transfers, receivables
.....
Tags: Voyager, Voyager card, card, account management, fleet management, transaction, payment
.....
Tags: Voyager, Voyager card, card, account management, fleet management, transaction, payment
...value to the transaction response. If your account requires odometer entry when fueling, that value is now included in the returned transaction data.
See the latest API specification for all the details.
Revision History
Version
Path
Highlights
Release...
.....
Tags: Voyager, Voyager card, card, account management, fleet management, transaction, payment
...are notified by email or text message to visit either their own trusted banks’ online banking sites or the secure Zelle site to register their aliases and link them to their bank accounts.
The user guide provides instructions and additional information including how to search and cancel...
Product notes
Version 1.0
© 2020 U.S. Bank
Here's what’s new in Corporate Account Information!
Revision history
Version
Highlights
Release date
Current Status
1.0
Our first release!
October 2020
Active
.....
Tags: Voyager, Voyager card, card, account management, fleet management, transaction, payment