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API Reference

Get Recent Transactions

get
https://v1/v1/savingsaccounts//unifiedtransactions

Monitor, audit, and reconcile account activity with the Unified Transactions API. This high-performance endpoint provides a consolidated ledger of all account movements—including settled savings transactions, real-time card authorizations, and declined requests—within a single, paginated response.

Building a seamless financial history for your users is made effortless through robust filtering, precise date-range scoping, and multi-status transaction visibility.

Transaction Categories

Results are classified into three primary operational buckets:

  • SAVINGS_TX (Settled): Confirmed fund movements such as deposits, withdrawals, and finalized interest postings.
  • AUTHORIZED_TX (Pending): Real-time authorizations that have reserved funds for future settlement.
  • REJECTED_AUTH (Declined): A critical audit trail of authorization attempts declined due to insufficient funds, security blocks, or invalid data.

Advanced Discovery & Navigation

Maximize the relevance of your data results by combining these implementation strategies:

  1. Activity Windows: Use startDate and endDate to restrict results to specific billing cycles or reporting periods.
  2. Channel Isolation: Filter by subTransactionType (e.g., ACH, WIRE, CARD_TRANSACTION) to separate activity originating from different payment rails.
  3. Operational Traceability: Targeted lookups can be performed using specific transaction IDs or unique reference strings for customer support and dispute resolution.

Precision Sorting

Always prioritize createdAt for sorting in time-sensitive applications. This ensures that the record sequence accurately reflects the chronology of system events, independent of external factors or local timezones.

Path Params
integer
required
Defaults to 1

The Id associated with the account
Example: 101

Query Params
integer
Defaults to 0

Indicates the result from which pagination starts. Defaults to 0.
Example: 0

integer
Defaults to 50

Restricts the size of the results returned. Defaults to 50.
To override the default and return all entries you must explicitly pass
a non-positive integer value for limit e.g. limit=0, or limit=-1
Example: 20

string
enum
Defaults to createdAt

Specifies the data to order the results by. Defaults to transactionDate.

Available orderBy options:

  • transactionDate
  • submittedOnDate
  • bookingDate
  • transactionAmount
  • createdAt the time the record is created at, this provides a more accurate datetime based
Allowed:
string
enum
Defaults to DESC

Specifies the sort direction for the results. Defaults to DESC (descending).

Available sortOrder options:

  • ASC - Ascending order (oldest/smallest first)
  • DESC - Descending order (newest/largest first)
Allowed:
type
array of strings

Filter transactions by type. Multiple values can be provided.
Example: type=AUTHORIZED_TX&type=SAVINGS_TX

type
Allowed:
transactionType
array of strings

Filter by specific transaction types. Multiple values can be provided.
Example: transactionType=DEPOSIT&transactionType=WITHDRAWAL

Available values depend on the transaction type:

  • AUTHORIZED_TX: INVALID, HOLD_AMOUNT, RELEASE_AMOUNT, UPDATE_AMOUNT, MERCHANT_CREDIT_AMOUNT, PAYMENT_AMOUNT, PENDING_CREDIT, QUASI_CASH, HOLD_FOR_FUND_ALLOCATION, RELEASE_FOR_FUND_DEALLOCATION, PENDING_DEBIT
  • SAVINGS_TX: INVALID, DEPOSIT, WITHDRAWAL, INTEREST_POSTING, WITHDRAWAL_FEE, ANNUAL_FEE, WAIVE_CHARGES, PAY_CHARGE, DIVIDEND_PAYOUT, INITIATE_TRANSFER, APPROVE_TRANSFER, WITHDRAW_TRANSFER, REJECT_TRANSFER, WRITTEN_OFF, OVERDRAFT_INTEREST, WITHHOLD_TAX, ESCHEAT, AMOUNT_HOLD, AMOUNT_RELEASE, INTEREST_PAYABLE_ACCRUED, OVERDRAFT_INTEREST_RECEIVABLE_ACCRUED, PAY_CHARGE_REVERSAL, FUNDS_ALLOCATION, FUNDS_DEALLOCATION, CHARGE_BACK, OVERDRAFT_WITHDRAWAL_FEE
  • REJECTED_AUTH: PREAUTH, AUTH, ATM, CASH_ADVANCE, BALANCE_INQUIRY, MERCHANT_CREDIT, ADJUSTMENT, PAYMENT, TOKENIZATION, AVS, QUASI_CASH
transactionType
subTransactionType
array of strings

Filter by sub-transaction types. Multiple values can be provided.
Example: subTransactionType=CARD_TRANSACTION&subTransactionType=ACH

Available values depend on the transaction type:

  • AUTHORIZED_TX: TRANSFER_AUTHORIZATION, CARD_AUTHORIZATION, SAVING_AUTHORIZATION
  • SAVINGS_TX: NONE, CARD_TRANSACTION, SETTLEMENT_RETURN_CREDIT, LOAN_DISBURSEMENT, LOAN_REPAYMENT, CARD_AUTHORIZE_PAYMENT, DOMESTIC_ATM_WITHDRAWAL_FEE, DOMESTIC_ATM_WITHDRAWAL_FEE_REVERSAL, INTERNATIONAL_ATM_WITHDRAWAL_FEE, INTERNATIONAL_ATM_WITHDRAWAL_FEE_REVERSAL, INTERNATIONAL_TRANSACTION_FEE, INTERNATIONAL_TRANSACTION_FEE_REVERSAL, FEE_OTHER, FEE_OTHER_REVERSAL, PURCHASE_INTERNATIONAL_FEE, PURCHASE_INTERNATIONAL_FEE_REVERSAL, EXTERNAL_CARD_PUSH_TRANSACTION_FEE, EXTERNAL_CARD_PULL_TRANSACTION_FEE, MERCHANT_CREDIT, MERCHANT_CREDIT_REVERSAL, MCC_CHARGE, TRANSFER_FEE, EXTERNAL_CARD_CHARGE_BACK, EXTERNAL_CARD, CREDIT_CARD_DUE_PAYMENT, TRANSFER_RETURN_FEE, ACH, SWIFT, WIRE, OPERATIONAL_ACCOUNT_LOAN_TRANSACTION, OPERATIONAL_ACCOUNT_SAVINGS_TRANSACTION, SAVINGS_ACCOUNT_WAIVE_CHARGE_TRANSACTION
    NOTE: for REJECTED_AUTH there is no subTransactionType:
subTransactionType
cardId
array of integers

Filter transactions by card ID. Multiple card IDs can be provided.
Example: cardId=1234&cardId=5678

cardId
status
array of strings

Filter transactions by status. Multiple values can be provided.
Example: status=PROCESSED&status=PROCESSING

Available values depend on the transaction type:

  • AUTHORIZED_TX: PROCESSING
  • SAVINGS_TX: PROCESSED, PROCESSING, REJECTED
  • REJECTED_AUTH: REJECTED
status
Allowed:
date
^\d{4}-\d{2}-\d{2}$

Filter transactions from this date onwards (inclusive).
Format: ISO-8601 date (YYYY-MM-DD)
Example: 2024-01-01

date
^\d{4}-\d{2}-\d{2}$

Filter transactions up to this date (inclusive).
Format: ISO-8601 date (YYYY-MM-DD)
Example: 2024-12-31

string

Filter transactions by reference number or identifier.
Example: TXN-2024-001234

Headers
string
required

The ID of your banking instance visible in the MBANQ Console.

string
enum
Defaults to application/json

Generated from available response content types

Allowed:
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Updated 3 months ago

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Updated 3 months ago

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