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Method Financial

Accounts

Snapshots liability (debt) and ACH accounts from the Method Financial API, enriched with balance and the latest institution update (balance, credit limit, interest rate, last and next payment).

Sync Type: Full Synchronisation

Prerequisites

Before configuring this input, you need:

1. A Method account with access to the Method Dashboard.
2. An API key (sk_...) for the environment you want to connect — Production, Sandbox, or Development. Each environment issues its own key, so make sure you generate the key for the environment you configure in Monad.
3. The balance and update products enabled on your Method account. This input requests accounts with expand[]=balance and expand[]=update so each record carries the real debt data (balance, credit limit, interest rate, last and next payment) inline. The attribute, sensitive, and transaction products are contract-gated and are not used by this input.

Authentication

This input authenticates with a static Bearer API key issued from the Method Dashboard for the selected environment, plus a pinned Method-Version header that Monad sends on every request so API behavior doesn't drift as Method ships new default versions.

To obtain the API key:

1. Log in to the Method Dashboard.
2. Switch to the environment (Production, Sandbox, or Development) you want to connect.
3. Copy the API key (sk_...) for that environment.

Configuration

Settings

Setting	Type	Required	Description
Environment	string	Yes	The Method environment to connect to. Each environment issues its own API key. Options: Production (default), Sandbox, Development.
Account Type	string	Yes	Which accounts to snapshot: all account types, ACH (bank) accounts only, or liability (debt) accounts only. Defaults to Liability.
Cron	string	Yes	Cron expression controlling how often the input runs its snapshot.
Use Synthetic Data	boolean	No	Generate synthetic data for testing instead of connecting to the real Method API. Defaults to false.

Secrets

Secret	Type	Required	Description
API Key	string	Yes	The Method API key (e.g. sk_...) for the selected environment. Found in the Method Dashboard.

Setup Walk-through

1. In the Method Dashboard, select the environment you want to connect and copy its API key.
2. In Monad, navigate to Inputs and click Add Input.
3. Search for Method Financial and select Accounts.
4. Set Environment to match the API key you copied (Production, Sandbox, or Development).
5. Set Account Type to All, ACH, or Liability depending on which accounts you want to snapshot.
6. Set Cron to the schedule you want the snapshot to run on (e.g. 0 * * * * for hourly).
7. Enter the API Key in the Secrets section.
8. Click Save and verify that the input status transitions to Running.

Troubleshooting

Common Issues

Authentication failures (401)

• Confirm the API key matches the configured Environment — a Sandbox key will not authenticate against Production (and vice versa).
• Confirm the key hasn't been revoked or regenerated in the Method Dashboard.

No records returned

• Confirm the account has accounts of the selected Account Type. If Account Type is set to Liability but the connected accounts are all ACH (or vice versa), no records will be returned.
• Confirm the balance and update products are enabled on your Method account — without them, expanded fields may be missing or the request may be rejected.

Rate limiting

• Method allows up to 6,000 reads per minute per API key. Monad applies a conservative default outbound request rate; if you see persistent throttling, contact Method support.

Related Articles

• Method Developer Documentation
• Method Accounts API Reference

Sample Record

Code
{
  "id": "acc_sKSaCXckgxGHU",
  "holder_id": "ent_QtdxkedRJJLzd",
  "status": "disabled",
  "type": "liability",
  "liability": {
    "mch_id": "mch_821841",
    "mask": "4634",
    "ownership": "authorized",
    "fingerprint": "WcsFQUwjqYSSQZpxRHZHZpBdAqzYptzBOeomOoXY",
    "type": "mortgage",
    "name": "Chase Sapphire Reserve Credit Card"
  },
  "latest_verification_session": "avf_TkGiHIRCzIlhl",
  "update": {
    "id": "upt_aKAcaglFPSAVf",
    "account_id": "acc_kIXLoDBuDdquz",
    "status": "completed",
    "source": "snapshot",
    "type": "credit_card",
    "data_as_of": "2026-07-24T17:10:07.516238Z",
    "credit_card": {
      "available_credit": 175153,
      "balance": 19950,
      "closed_at": null,
      "credit_limit": 494856,
      "interest_rate_percentage_max": 27.99,
      "interest_rate_percentage_min": 12,
      "interest_rate_type": "variable",
      "last_payment_amount": 29879,
      "last_payment_date": "2026-06-12",
      "next_payment_due_date": "2026-08-15",
      "next_payment_minimum_amount": 4819,
      "opened_at": "2021-07-01",
      "sub_type": "standard",
      "usage_pattern": "revolver"
    },
    "error": null,
    "created_at": "2026-07-24T17:10:07.516564Z",
    "updated_at": "2026-07-24T17:10:07.516566Z"
  },
  "balance": {
    "id": "bal_jJwmztHboLVyr",
    "account_id": "acc_gsvROXSMioWNH",
    "status": "completed",
    "amount": 169341,
    "error": null,
    "created_at": "2026-07-24T17:10:07.516582Z",
    "updated_at": "2026-07-24T17:10:07.516583Z"
  },
  "card_brand": "crd_VFTIUUrFBpVpt",
  "payment_instrument": "pmt_inst_yPRZqHlktMwVk",
  "products": [
    "balance",
    "card_brand",
    "update",
    "payment"
  ],
  "restricted_products": [
    "attribute",
    "sensitive"
  ],
  "subscriptions": [],
  "available_subscriptions": [
    "update.snapshot",
    "update"
  ],
  "restricted_subscriptions": [
    "transaction"
  ],
  "error": null,
  "metadata": null,
  "created_at": "2026-07-24T17:10:07.516589Z",
  "updated_at": "2026-07-24T17:10:07.51659Z"
}