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...access to consumer financial data with our Data Toolbox API. Based on the Financial Data Exchange 3.0 Specification—the industry standard for exchanging consumer financial data —this product is implemented in conjunction with the U.S. Bank online banking website, where our customers are...
Tags: data, account aggregation, applications, account management, accounts, checking, savings, credit card, line of credit, loans, mortgage, brokerage, tax, financial health, risk, payoff, OAuth
...easily connected with Akoya by providing its Data Toolbox APIs. This suite of APIs is based on the Financial Data Exchange (FDX) specification, which serves as an industry standard for exchanging consumer financial data. This made it simpler and faster for U.S. Bank to connect to the Akoya...
...1.0
© 2019 U.S. Bank
Product Summary
The Data Toolbox product is based on the Financial Data Exchange V3.0 Specification which delivers reliable and secure access to consumer's financial data for Data Intermediaries. Financial Data Exchange APIs expose a diverse range of features tied to...
...Toolbox!
This is the inaugural release of the Data Toolbox Product and features access to Accounts, Transactions, Statements and Tax information. Data Toolbox is U.S. Bank flag ship product in the Data Toolbox line.
Revision History
Version
Path
Highlights
Release...
...with a legacy connection. Now, with U.S. Bank Data Toolbox APIs, it takes just four (4) seconds – a 90% decrease in wait time.
"Using third parties to access accounts can cause long connection times increasing the likelihood that users cancel the connection," MX product development manager...
...Guide
API Authorization Code Flow
Consumer Data Toolbox products implement the OpenId Connect 1.0 protocol using the OAuth 2.0 Authorization Code Flow.
In addition to these protocols, U.S. Bank requires the use of 2 way TLS (transport layer security or SSL) via server certificates to...
...Guide
API Authorization Code Flow
Consumer Data Toolbox products implement the OpenId Connect 1.0 protocol using the OAuth 2.0 Authorization Code Flow.
In addition to these protocols, U.S. Bank requires the use of 2 way TLS (transport layer security or SSL) via server certificates to...
...Guide
API Authorization Code Flow
Consumer Data Toolbox products implement the OpenId Connect 1.0 protocol using the OAuth 2.0 Authorization Code Flow.
In addition to these protocols, U.S. Bank requires the use of 2 way TLS (transport layer security or SSL) via server certificates to...
...not verify the identity of the consumer. See the Data Toolbox API for additional account and identity services.
Get a list of authorized consumer accounts.
Obtain the account identifier for each.
Retrieve individual account details like the current balance and when the account was opened.
Payment...
Tags: account management, accounts, checking, savings, credit card, line of credit, loans, mortgage, brokerage, IRA, retirement, investments
...Guide
API Authorization Code Flow
Consumer Data Toolbox products implement the OpenId Connect 1.0 protocol using the OAuth 2.0 Authorization Code Flow.
In addition to these protocols, U.S. Bank requires the use of 2 way TLS (transport layer security or SSL) via server certificates to...
...the control over the data that they provide with data intermediaries through the U.S. Bank OAuth on third-party sites, and the online banking My Controls portal. When you use our Documents API you can view statement details for various account types such as:
Checking
Savings
Credit card
Line of...
Tags: tax document, tax, loan, mortgage, PDF, credit, checking, savings, data toolbox
...score using consumer-authorized payment-level data. Use the score to reduce fees, prevent fraud and improve customer experience.
Get a list of authorized consumer accounts with the Accounts product, obtaining the account identifier for each one.
Get time-boxed transactions to calculate an...
Tags: transactions, accounts, checking, savings, aggregator, account aggregation, data toolbox
...Product and features access to Accounts, Statements and Tax documents information. Documents product is one 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
...Transactions Product and features access to Accounts and Transactions information. Transactions product is one of several products in the Data Toolbox line.
Revision History
Version
Path
Highlights
Release Date
1.0
/account/transactions
Initial release
July 31, 2019
...release of the Accounts Product and features access to Accounts information. Accounts product is one of several products in the Data Toolbox line.
Revision History
Version
Path
Highlights
Release Date
1.0
/account
Initial release
July 31, 2019
...Header:
Parameter
Type
Data Type
Description
Correlation-Id*
header
string
Unique ID assigned to each transaction, allows to trace full path of interactions through multiple sub-systems
{
"alternateID": "VALVECORP",
"productName": "CORPORATE_ACCOUNT_INFORMATION",
...
...a new payment request.
For Domestic / Fed Wires:
Data attribute name: IMAD
Data Type: String
Sample: 20210223J1Q531XX000088
Description: Input Message Accountability Data (IMAD) number refers to the Fed confirmation number for Domestic / Fed Wire Transfers
IMAD breakdown for our reference only:...
...Number – 6 characters
For International Wires:
Data attribute name: MIR
Data Type: String
Sample: 210224USBKUS40AIMT2896989518
Description: Message Input Reference (MIR) number refers to the Swift confirmation number for International Wire Transfers
MIR breakdown for our reference only: MIR is a...
...Number – 6 characters
For International Wires:
Data attribute name: MIR
Data Type: String
Sample: 210224USBKUS40AIMT2896989518
Description: Message Input Reference (MIR) number refers to the Swift confirmation number for International Wire Transfers
MIR breakdown for our reference only: MIR is a...
...information is not available
Ownership data was not returned from the Early Warning National Shared Database Resource.
Deny
Identity match unlikely
- Name (business or personal) mismatch- Or, partial name match and Tax ID or Social Security Number mismatch
Approve
No issues – per rule...
.../payees/{payeeID}
Request Header
Parameter
Type
Data Type
Description
Accept*
header
string
Indicates the acceptable response format Default: "application/json"
Authorization*
header
string
OAuth 2.0 Authorization Token for accessing the API
Correlation-ID*
header
string
Unique ID assigned to...
...information is not available
Ownership data was not returned from the National Shared Database.
Deny
Identity match unlikely
- Name (business or personal) mismatch- Or, partial name match and Tax ID or Social Security Number mismatch
Approve
No issues – per rule set
The validations to...
...information is not available
Ownership data was not returned from the National Shared Database.
Deny
Identity match unlikely
- Name (business or personal) mismatch- Or, partial name match and Tax ID or Social Security Number mismatch
Approve
No issues – per rule set
The validations to...
...and delete payee tokens. Thus, mitigating data risks and reducing costs associated with storing sensitive payee information and ensuring compliance to Supplementing Data Security Requirements NACHA rule.
Product Resources
In this guide, you will learn about the resources available in this...
...necessary to comply with such order.
Privacy
Data collection and use, including data collection and use of personally identifiable information is governed by our Developer Portal Privacy Policy which is incorporated into and is a part of this TOU. We are based in the United States, and your...
...fraud from days to minutes.
Perform historical data mining and custom reporting.
A data analyst creates a quarterly report that highlights spending metrics by account, card, driver, vehicle, merchant and product. Using the Voyager Transaction and Card APIs, the data analyst can access historical...
Tags: Voyager, fleet, card, driver, vehicle, account management, fleet management
..."60606",
"country": "US"
}
},
"remittanceData": {
"remittanceID": "20151112INFOABCD",
"remittanceLocationDetails": {
"email": "remit@Surecorp.com",
"URI": "https://remittances/surecorp.com"
},
"additionalInfo": "Unstructured remittance Information"
}
}
}
POST...
...details from U.S. Bank.
Retrieve receivables data any time via an API call based on the transaction ID or using search criteria.
Retrieve receivables data that matches certain search criteria at any time. Users can define pagination – the number of transactions in the API call.
Update a...
Tags: receivables, VantagePoint(TM), open accounts receivable A/R, A/R matching
...name match failed.
Parameters
Parameter
Type
Data Type
Description
Accept
path
string
Default: "application/json"
Accept-Encoding
path
string
Default: "Accept-Encoding"
Authorization
path
string
Authorization Token for accessing the API
Content-Type
path
string
Indicates the media type of the...
...name match failed.
Parameters
Parameter
Type
Data Type
Description
Accept
path
string
Default: "application/json"
Accept-Encoding
path
string
Default: "Accept-Encoding"
Authorization
path
string
Authorization Token for accessing the API
Content-Type
path
string
Indicates the media type of the...
.../receivables/{transactionID}
Retrieve receivabes data for cash application
Retrieve receivabes data for cash application based on a search criteria
POST /receivables/search
POST /invoices
Submit invoice or any kind of open receivable. Primary Reference number is what uniquely defines any open...
...the e-commerce company can manage and reduce the data risks associated with storing their customer credit card information by tokenizing and securing data at the U.S. Bank PCI compliant enclave.
Restrictions
Account details validation is limited to validating account numbers and respective...
Tags: payee tokenization, payee token management, payment information, ACH, RTP, Zelle, domestic wires, international wires, cards, checks
...her fleet application as they happen.
Provide data intelligence with custom reporting.
Emmet is a data analyst and needs to create a quarterly audit report that highlights metrics on vehicle card spending. He was recently informed that the development team started using the Voyager Vehicles...
Tags: Voyager, Voyager card, card, account management, fleet management, transaction, payment
...conflict
4009
Invalid remittance data
4010
Invalid structured remittance data
4100
Invalid clientID
Schema Example
{
"errors": [
{
"code": "400.0648.2000",
"message": "Invalid Request",
"help": "https://developer.usbank.com/api-library/check-payables/ver-2.0",
"details": [
...
...her fleet application as they happen.
Provide data intelligence with custom reporting.
Emmet is a data analyst and needs to create a quarterly audit report that highlights metrics on driver card spending. He was recently informed that the development team started using the Voyager Drivers API,...
Tags: Voyager, Voyager card, card, account management, fleet management, transaction, payment
...Header:
Parameter
Type
Data Type
Description
Content-Type
header
string
The content type of the payload
Correlation-ID
header
string
Unique ID assigned to each API call by the client, allows to trace full path of interactions through multiple...
...PDF format.
Parameters
Parameter
Parameter Type
Data Type
Description
accountId
path
string
Account Identifier (GUID)
statementId
path
string
Statement Identifier
Request URL
GET /v3/account/08f9c7d2-7107-07ca-189e-84a9c7c47390/statement/08f9c7d2-7107-07ca-189e-84a9c7c47390
Sample Response
{
...
...Remittance table column headings and data values correspond to the remittanceEntries. Add up to 7 remittanceEntries to a statement. Each line item is a structuredRemittanceLine and contains the specified remittanaceEntries. Add up to 15 structuredRemittanceLines to a statement. If a...
...of third parties
We may associate this tracking data with your registration information, in which case we will treat it as User Information. Service providers that collect tracking data on our behalf may provide an opportunity for you to choose not to be tracked online.
Occasionally, you may...
...monitoring capabilities with Voyager expense data, increasing their value to fleet managers.
By combining telematics capabilities with Voyager, telematic providers can cross-reference:
Geolocation data with merchant locations to help detect fraud.
Odometer readings with fuel purchase details...
Tags: Voyager, Voyager card, card, account management, fleet management, transaction, payment
...are used to immediately provide data in real-time. Currently, authorizations can be received in real-time as a webhook. Other webhook types are planned.
To receive webhook notifications, one must:
Operate a webservice capable of
Receiving unsolicited, asynchronous...
..."60606",
"country": "US"
}
},
"remittanceData": {
"remittanceID": "20151112INFOABCD",
"remittanceLocationDetails": {
"email": "remit@Surecorp.com",
"URI": "https://remittances/surecorp.com"
},
"additionalInfo": "Unstructured remittance Information"
}
}
}
POST...
...using exceptionID.
Parameters
Parameter
Type
Data Type
Description
Accept
header
string
Default: "application/json"
Accept-Encoding
header
string
Default: "Accept-Encoding"
Authorization
header
string
Authorization Token for External Partner access
Correlation-Id
header
string
Unique...
...requested check.
Parameters
Parameter
Type
Data Type
Description
Accept
header
string
Default: "application/json"
Accept-Encoding
header
string
Default: "Accept-Encoding"
Authorization
header
string
Authorization Token for External Partner access
Correlation-Id
header
string
Unique...
...return encoded card
C-->>-B: Encoded card data
B-->>-A: { encoded card data }
Note over A: Create another card
A->>+B: POST /caas/v1/cards
Note right of B: If token has expired,return notice
B-->>-A: status=401
Note over A: Repeat Authentication (see...
..."Incorrect DFI Account Number",
"correctedData": "77777777777777778"
}
}
DELETE /transactions/{transactionsId}
Cancel a transaction that has not been sent to the ACH operator for settlement.
Parameters
Parameter
Type
Data Type
Description
Accept
header
string
Default:...
..."Incorrect DFI Account Number",
"correctedData": "77777777777777778"
}
}
DELETE /transactions/{transactionsId}
Cancel a transaction that has not been sent to the ACH operator for settlement.
Parameters
Parameter
Type
Data Type
Description
Accept
header
string
Default:...
..."60606",
"country": "US"
}
},
"remittanceData": {
"remittanceID": "20151112INFOABCD",
"remittanceLocationDetails": {
"email": "remit@Surecorp.com",
"URI": "https://remittances/surecorp.com"
},
"additionalInfo": "Unstructured remittance Information"
}
}
}
GET...
..."2020-04-07"
}
},
"remittanceData": {
"remittanceID": "20151112INFOABCD",
"remittanceLocationDetails": {
"email": "remit@Surecorp.com",
"URI": "https://remittances/surecorp.com"
},
"additionalInfo": "Unstructured remittance Information",
"discountDetails": {
...
..."2020-04-07"
}
},
"remittanceData": {
"remittanceID": "20151112INFOABCD",
"remittanceLocationDetails": {
"email": "remit@Surecorp.com",
"URI": "https://remittances/surecorp.com"
},
"additionalInfo": "Unstructured remittance Information",
"discountDetails": {
...
...a customer.
Parameters
Parameter
Parameter Type
Data Type
Description
accountId
query
required
Account Identifier
Request URL
GET /v3/accounts-details?accountId=91da8f01-40b2-5d38-1bfc-581fbf8eb169,830a27ca-6136-3254-89fb-7927e0f1b6e1
Sample Response
{
"accounts": [
{
"accountId":...
..."60606",
"country": "US"
}
},
"remittanceData": {
"remittanceID": "20151112INFOABCD",
"remittanceLocationDetails": {
"email": "remit@Surecorp.com",
"URI": "https://remittances/surecorp.com"
},
"additionalInfo": "Unstructured remittance Information"
}
}
}
GET...
...previous and current day.
Receive transactions data for an account on a current day and previous day basis. Historical transactions are available up to 60 days with options for an additional retention period of 12 or 24 months.
Retain statements for deposit accounts for up to 12 months.
Receive...
Tags: corporate accounts, treasury reporting, cash positioning
...previous and current day.
Receive transactions data for an account on a current day and previous day basis. Historical transactions are available up to 60 days with options for an additional retention period of 12 or 24 months.
Retrieve statements for deposit accounts for up to 12...
Tags: corporate accounts, treasury reporting, cash positioning
...ownership of checking and savings accounts with data from thousands of trusted financial institutions.
Use one of three account validation responses.
Basic response (recommended)
Returns account status based on routing and account numbers and ownership verification including an overall match...
Tags: account validation, payments, risk mitigation
...ownership of checking and savings accounts with data from thousands of trusted financial institutions.
Employ one of two response payload types with differing levels of data.
Detailed or Translated
Translated Responses will provide basic information regarding the ownership and/or...
Tags: account validation, payments, risk mitigation
...ownership of checking and savings accounts with data from thousands of trusted financial institutions.
Employ one of two response payload types with differing levels of data.
Detailed or Translated
Translated Responses will provide basic information regarding the ownership and/or...
Tags: account validation, payments, risk mitigation
...This left open the possibility that inconsistent data was recorded. His company incorporated using the Access Online Transactions API and now George can obtain transactions in a format that works within their systematic reconciliation process.
Quickly retrieve transaction details.
Mandy works for...
Tags: transactions, orders, attachments, commercial cards
...--header 'Accept: application/json' --data-urlencode 'grant_type=client_credentials'
Example 1
curl -vvvv --tlsv1.2 -k https://xxxx-api2.usbank.com/xxxxx/xxxx/xxxx/xxxxn -v --key client_private_key.key --cert Client_fullchain-public_cert.crt
Example 2
To pass an authorization header,...
...the purchase is completed, the merchant provides data describing the purchase: total quantity, total price, taxes, product itemizations, etc.
The completed event typically occurs within minutes or hours of the pre-authorization event. Because the completed event is provided by the merchant, we...
...how to use a REST API to access Voyager Vehicle data.
In this guide, you will learn about the resources available in this product and how to make an API call, including sample messages and a sequence diagram.
A vehicle record represents a specific fleet vehicle and can be
associated with (a.k.a....
...how to use a REST API to access Voyager driver data.
In this guide, you will learn about the resources available in this product and how to make an API call, including sample messages and a sequence diagram.
A driver record represents a fleet vehicle operator and can be
associated with (a.k.a....
...details
Product Resources
This Access Online data model consists of transactions, attachments, and orders. An order is a designated payment, and a transaction is a processed payment. A transaction may have 1 or more attachments.
The Access Online Transactions and Orders APIs are listed in the...
...database of checking and savings accounts with data from thousands of trusted financial institutions.
Workflow
Example use cases
Scenario one:
George is a customer service representative for the local cable company. He’s speaking with Joanne, a customer that wants to set up direct debit for...
Tags: account validation, fraud prevention, payments, risk mitigation
...parameter
Parameters
Parameter
Parameter Type
Data Type
Description
accountId
path
string
Account Identifier (GUID)
Request URL
GET /v3/account/a830a27ca-6136-3254-89fb-7927e0f1b6e1
Sample Response
{
"depositAccount": {
"accountId": "830a27ca-6136-3254-89fb-7927e0f1b6e1",
"error": null,
...
...how to use a REST API to access Voyager Card data.
In this guide, you will learn about the resources available in this product and how to make an API call, including sample messages and a sequence diagram.
A card record represents a specific fleet card and can be:
associated with (a.k.a. tied...
...With the Positive Pay API implementation, data is integrated directly into the portal and sends Maren notifications letting her know when something needs to be reviewed. She can easily search for items based on dates and exception type – same day or previous day – view them and...
Tags: payments, exceptions, fraud prevention, check, ACH
...avoid storing sensitive customer account data on their system and increase user satisfaction by delivering multiple payment options.
Ensure payment certainty for insurance claim disbursements.
An insurance company needs a frictionless claims payment solution. Customers are frustrated that...
Tags: payments, ACH, electronic transfers, prepaid cards, checks, disbursements, transfers
...of Credit® application.
Prefill application data from the system of record to simplify the client application experience.
Workflow
Example use case
Obtain rate estimates and initiate the Flexible Capital Line of Credit® loan application.
A client wants to make a large purchase but doesn’t...
Tags: Flexible Capital Line of Credit, liquid asset secured, apply
...a single check.
Submit comprehensive remittance data.
Check management
Retrieve issued check details and status.
Retrieve a history of checks submitted up to 12 months in the past using search.
Cancel a submitted check before hourly processing.
Track checks from origination through processing via...
Tags: checks, payables, payments
...structure to group payment types with related data.- Renamed the pagination parameters Offset and Limit to pageNumber and pageSize, respectively.- Added webhooks for incoming transactions.- Added the lastRefeshedDateTime to currentday transaction endpoint.- Updated the statementID to be a...
...a single check.
Submit comprehensive remittance data.
Check management
Retrieve issued check details and status.
Cancel a submitted check (before processing).
Track checks from origination through processing via webhooks.
Customize checks with your logo and other items (using a predefined set of...
Tags: checks, payables, payments
...a single check.
Submit comprehensive remittance data.
Check management
Retrieve issued check details and status.
Cancel a submitted check (before processing).
Track checks from origination through processing via webhooks.
Customize checks with your logo and other items (using a predefined set of...
Tags: checks, payables, payments
...holidays
GET /bank-holidays
Date Check
Retrieves data to check whether a given date is a holiday
GET /bank-holidays/date-check
Holiday API workflow
To access a list of holidays, the API client must first be authenticated by the API service. After successful authentication, the client can query by...
...run rules on response.
Parameters
Parameter
Type
Data Type
Description
Accept*
header
string
Default: "application/json"
Accept-Encoding
header
string
Default: "Accept-Encoding"
Authorization*
header
string
Authorization Token for accessing the API
Correlation-Id*
header
string
Unique identifier...
...run rules on response.
Parameters
Parameter
Type
Data Type
Description
Accept*
header
string
Default: "application/json"
Accept-Encoding
header
string
Default: "Accept-Encoding"
Authorization*
header
string
Authorization Token for accessing the API
Correlation-Id*
header
string
Unique identifier...
...run rules on response.
Parameters
Parameter
Type
Data Type
Description
Accept*
header
string
Default: "application/json"
Accept-Encoding
header
string
Default: "Accept-Encoding"
Authorization*
header
string
Authorization Token for accessing the API
Correlation-Id*
header
string
Unique identifier...
...run rules on response.
Parameters
Parameter
Type
Data Type
Description
Accept*
header
string
Default: "application/json"
Accept-Encoding
header
string
Default: "Accept-Encoding"
Authorization*
header
string
Authorization Token for accessing the API
Correlation-Id*
header
string
Unique identifier...
...Payments API issues suppliers with customized data tied to each B2B payment transaction. Account numbers can only be used within your defined parameters that dictate payee, amount and time frame – providing a higher degree of control and security than other payment methods.
Features
Create,...
Tags: virtual cards, virtual payments, payables, commercial cards, B2B Payments