# 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](https://dashboard.methodfi.com/).
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](https://dashboard.methodfi.com/).
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](https://dashboard.methodfi.com/), 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](https://docs.methodfi.com/)
- [Method Accounts API Reference](https://docs.methodfi.com/2026-03-30/reference/accounts/list)

## Sample Record
```json
{
  "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"
}
```