After the successful bank login in order to access the account data (details, balances, transactions, payments), accounts need to be fetched from the bank and activated in Everifin.
Accounts Data
The list of accounts the bank provides after the successful bank login can be obtained using the endpoint described here: Get Bank Accounts
Transactions Data
The following endpoints needs to be used in order to access the transaction data.
Transaction refresh
Transactions are refreshed periodically in following pattern:
user is online - transactions are refreshed every minute
user is offline - transactions are refreshed 4 times during work hours
for all users - transaction update job is triggered two times a day
Manual transaction refresh
In addition to periodic transaction refresh provided automatically by the system, transaction refresh can be triggered manually by calling a dedicated endpoint. This endpoint initiates the download of the transaction data from the bank to Everifin for all user’s connected active bank accounts. Downloaded and stored transactions can be then accessed using further endpoints.
If there are freshly connected and activated accounts, for these the execution of the endpoint initiates download of the transaction history (since 36 months ago).
Any following endpoint execution downloads only the new transactions (since last downloaded).
Detailed endpoint description can be found here: Transaction Refresh Endpoint
Transaction update
During regular refresh jobs, we request only new transactions from a bank (since last downloaded). However, some banks might change the transaction data after transaction is processed in bank’s systems. To retrieve these transaction changes, we run transaction update job two times a day. This job retrieves 7 days of transactions history from a bank.
When transaction data is changed, we set new value for lastUpdated column.
To process updated transactions correctly:
a) When calling transactions list with updatedFrom filter (preffered way), you can receive updated transaction. If there is any transaction with ID that it already stored in your database, you should update the given transaction.
b) When calling the transaction list with dateFrom/dateTo parameters: To identify changed transactions, you should save lastUpdated timestamp when transaction is retrieved for the first time and compare the value of saved lastUpdated with value retrieved on next transaction list calls (at least once a day).
Get Transaction List
Transaction list for specific bank account can be obtained using the endpoint described in detail here: Bank Account Transactions
Get Transaction Detail
The detail for particular transaction can be obtained using this endpoint described here: Get Transaction Detail.