v1

latestOpenAPI 3.0.22026-08-061464031.4 MB
Transactions

Retrieve transactions for a link

Retrieve transactions for one or more accounts from a specific link.

📘 Transaction Periods and Retrieval

When retrieving transactions, it is important to understand that the available transaction data ranges depend on each institution. If you try to access older information than what we can access, we will return all the data we can read within that date range. For example, if you request transactions for the last year and we can only access the last six months, we will return the information corresponding to these six months of data.

post/api/transactions/

Query parameters

omitstring

Omit certain fields from being returned in the response. For more information, see our <a href="https://developers.belvo.com/docs/searching-and-filtering" target="_blank">Filtering responses</a> DevPortal article.

fieldsstring

Return only the specified fields in the response. For more information, see our <a href="https://developers.belvo.com/docs/searching-and-filtering" target="_blank">Filtering responses</a> DevPortal article.

Headers

X-Belvo-Request-Mode'async'
Example:async

Recommended header parameter to make your POST request asynchronous (thus preventing timeouts and improving your data flow).

When you make an asynchronous request, Belvo responds with a 202 - Accepted payload, including the request_id. Once we have retrieved the requested information, you will receive a webhook with the link and request IDs.

Request body

linkstring uuid required

The link.id you want to retrieve information for.

accountstring uuid

If provided, we return transactions only from this account.

date_fromstring date required

The date from which you want to start getting data for, in YYYY-MM-DD format.

⚠️ The value of date_from cannot be greater than date_to.

date_tostring date required

The date you want to stop getting data for, in YYYY-MM-DD format.

⚠️ The value of date_to cannot be greater than today's date (in other words, no future dates).

tokenstring

The MFA token generated by the institution which is required to continue a session.

save_databoolean

Indicates whether or not to persist the data in Belvo. By default, this is set to true and we return a 201 Created response.

When set to false, the data won't be persisted and we return a 200 OK response.

Example request

{
  "link": "c81a1dea-6dd6-4999-8b9f-541ee8197058",
  "account": "d4617561-1c01-4b2f-83b6-a594f7b3bc57",
  "date_from": "2020-08-05",
  "date_to": "2020-10-05",
  "token": "1234ab",
  "save_data": true
}

Response

Ok (when save_data=false)

idstring uuid required

Belvo's unique identifier for the current item.

internal_identificationstring required

The institution's internal identification for the transaction.

Non-nullable: A value must be returned by Brazil's open finance network.

collected_atstring date-time required

The ISO-8601 timestamp when the data point was collected.

created_atstring date-time required

The ISO-8601 timestamp of when the data point was created in Belvo's database.

value_datestring date required

The date when the transaction occurred, in YYYY-MM-DD format, in YYYY-MM-DD format.

Non-nullable: A value must be returned by Brazil's open finance network.

transacted_atstring date-time

The ISO-8601 timestamp of when the transaction occurred (in the UTC timezone).

Note: For transactions that occurred before 31.01.2024, the timestamp may only indicate the day (for example, 2016-01-29T00:00:00.000Z). However, transactions that occurred after this date must include the date and time (2024-02-20T12:29:03.374Z).

Institutions not abiding by this format: Some institutions may not provide the exact time of the transaction. In this case, the timestamp will be set to 00:00:00.000Z. Belvo has identified the following institutions as not abiding by the regulation and have raised the issue with regulators: Bradesco, Itau, and Sicoob.

Non-nullable: A value must be returned by Brazil's open finance network for credit card and checking account transactions.

accounting_datestring nullable required

The date when the transaction was processed and accounted for by the institution, in YYYY-MM-DD format.

Non-nullable: A value must be returned by Brazil's open finance network for credit card transactions.

inferred_accounting_datestring date

In the case that the transaction occured on a weekend or public holiday, Belvo will infer the date that the transaction is accounted for by the institution. Typically, this is the next business day.

amountnumber float required

The transaction amount. ℹ️ The amount displayed is always positive as we indicate the direction of the transaction in the type parameter.

Non-nullable: A value must be returned by Brazil's open finance network.

local_currency_amountnumber float nullable required

The value of the transaction in the local currency.

Non-nullable: A value must be returned by Brazil's open finance network for credit card transactions.

balancenumber float nullable required

Note: This field is not applicable for OF Brazil and will return null.

currencystring nullable required

The three-letter currency code (ISO-4217).

descriptionstring nullable required

The description of transaction provided by the institution. Usually this is the text that the end user sees in the online platform.

Non-nullable: A value must be returned by Brazil's open finance network.

observationsstring nullable required

Note: This field is not applicable for OF Brazil and will return null.

category'Bills & Utilities' | 'Credits & Loans' | 'Deposits' | 'Fees & Charges' | 'Food & Groceries' | 'Home & Life' | 'Income & Payments' | 'Insurance' | 'Investments & Savings' | 'Online Platforms & Leisure' | 'Personal Shopping' | 'Taxes' | 'Transfers' | 'Transport & Travel' | 'Unknown' | 'Withdrawal & ATM' | 'null' nullable required

The name of the transaction category.

Get transaction categorization With <a href="https://developers.belvo.com/docs/banking#categorizing-transactions" target="_blank">Transaction categorization</a>, we clean and categorize transactions for you, turning raw data into actionable insights. To enable this feature, just <a href="https://belvo.com/contact/?utm_source=documentation" target="_blank">reach out</a> to us, and we'll get right to it.

We return one of the following enum values:

  • Bills & Utilities
  • Credits & Loans
  • Deposits
  • Fees & Charges
  • Food & Groceries
  • Home & Life
  • Income & Payments
  • Insurance
  • Investments & Savings
  • Online Platforms & Leisure
  • Personal Shopping
  • Taxes
  • Transfers
  • Transport & Travel
  • Unknown*
  • Withdrawal & ATM
  • null

* For clients not using our Transaction Categorization product, we return null instead.

subcategory'Electricity & Energy' | 'Rent' | 'Telecommunications' | 'Water' | 'Auto' | 'Credit Card' | 'Instalment' | 'Interest & Charges' | 'Mortgage' | 'Pay Advance' | 'Personal' | 'Adjustments' | 'Bank Fees' | 'Chargeback' | 'Refund' | 'Blocked Balances' | 'Alimony' | 'Alcohol & Tobacco' | 'Bakery & Coffee' | 'Bars & Nightclubs' | 'Convenience Store' | 'Delivery' | 'Groceries' | 'Restaurants' | 'Education' | 'Gyms & Fitness' | 'Hair & Beauty' | 'Health' | 'Home Decor & Appliances' | 'Laundry & Dry Cleaning' | 'Pharmacies' | 'Professional Services' | 'Veterinary Services' | 'Freelance' | 'Interest' | 'Retirement' | 'Salary' | 'Government' | 'Home Insurance' | 'Auto Insurance' | 'Health & Life Insurance' | 'Savings' | 'Fixed income' | 'Equity' | 'Investment Funds' | 'Derivatives' | 'Cryptocurrencies' | 'Apps, Software and Cloud Services' | 'Events, Parks and Museums' | 'Gambling' | 'Gaming' | 'Lottery' | 'Movie & Audio' | 'Books & News' | 'Clothing & Accessories' | 'Department Store' | 'Electronics' | 'E-commerce' | 'Gifts' | 'Office Supplies' | 'Pet Supplies' | 'Auto Tax & Fees' | 'Donation' | 'Government Fees' | 'Income Tax' | 'Real Estate Tax & Fees' | 'Tax Return' | 'Accommodation' | 'Auto Expenses' | 'Auto Rental' | 'Flights' | 'Gas' | 'Mileage Programs' | 'Parking & Tolls' | 'Public Transit' | 'Taxis & Rideshares' | 'Other' | 'null' nullable required

The transaction subcategory.

Get transaction categorization For clients not using our <a href="https://developers.belvo.com/docs/banking#categorizing-transactions" target="_blank">Transaction categorization</a>, we return null instead. To enable this feature, just <a href="https://belvo.com/contact/?utm_source=documentation" target="_blank">reach out</a> to us, and we'll get right to it.

We return one of the following enum values:

  • Electricity & Energy
  • Rent
  • Telecommunications
  • Water
  • Auto
  • Credit Card
  • Instalment
  • Interest & Charges
  • Mortgage
  • Pay Advance
  • Personal
  • Adjustments
  • Bank Fees
  • Chargeback
  • Refund
  • Blocked Balances
  • Alimony
  • Alcohol & Tobacco
  • Bakery & Coffee
  • Bars & Nightclubs
  • Convenience Store
  • Delivery
  • Groceries
  • Restaurants
  • Education
  • Gyms & Fitness
  • Hair & Beauty
  • Health
  • Home Decor & Appliances
  • Laundry & Dry Cleaning
  • Pharmacies
  • Professional Services
  • Veterinary Services
  • Freelance
  • Interest
  • Retirement
  • Salary
  • Government
  • Home Insurance
  • Auto Insurance
  • Health & Life Insurance
  • Savings
  • Fixed income
  • Equity
  • Investment Funds
  • Derivatives
  • Cryptocurrencies
  • Apps, Software and Cloud Services
  • Events, Parks and Museums
  • Gambling
  • Gaming
  • Lottery
  • Movie & Audio
  • Books & News
  • Clothing & Accessories
  • Department Store
  • Electronics
  • E-commerce
  • Gifts
  • Office Supplies
  • Pet Supplies
  • Auto Tax & Fees
  • Donation
  • Government Fees
  • Income Tax
  • Real Estate Tax & Fees
  • Tax Return
  • Accommodation
  • Auto Expenses
  • Auto Rental
  • Flights
  • Gas
  • Mileage Programs
  • Parking & Tolls
  • Public Transit
  • Taxis & Rideshares
  • Other
  • null
referencestring nullable required

Note: This field is not applicable for OF Brazil and will return null.

type'OUTFLOW' | 'INFLOW' | 'null' nullable required

The direction of the transaction:

  • INFLOW indicates money coming into the account.
  • OUTFLOW indicates money going out of the account.
  • null when no information was present regarding the direction of the transaction.
status'PENDING' | 'PROCESSED' | 'UNCATEGORIZED' | 'null' nullable required

The status of the transaction. We return one of the following values:

  • PROCESSED (The transaction has been processed by the institution.)
  • PENDING (The institution clearly states that the transaction has not yet been processed.)
  • UNCATEGORIZED (deprecated)
  • null (deprecated)
payment_type'FULL' | 'INSTALLMENT' | 'null' nullable required

The transaction payment type. We return one of the following values:

  • FULL
  • INSTALLMENT
  • null
operation_typestring required

The type of transaction. For example, a PIX payment or a deposit.

Non-nullable: A value must be returned by Brazil's open finance network for non-loan account transactions.

operation_type_additional_infostring nullable required

Additional information regarding the operation_type, if applicable.

mccinteger nullable required

The four-digit (ISO-18245 compliant) Merchant Category Code (MCC) for the transaction. This field is only applicable for credit card transactions.

Example response

[
  {
    "id": "0d3ffb69-f83b-456e-ad8e-208d0998d71d",
    "internal_identification": "TXpRMU9UQTROMWhZV2xSU1FUazJSMDl",
    "account": {
      "id": "0d3ffb69-f83b-456e-ad8e-208d0998d71d",
      "link": "30cb4806-6e00-48a4-91c9-ca55968576c8",
      "institution": {
        "name": "erebor_mx_retail"
      },
      "collected_at": "2022-02-09T08:45:50.406032Z",
      "created_at": "2022-02-09T08:45:50.406032Z",
      "last_accessed_at": "2021-03-09T10:28:40.000Z",
      "category": "CHECKING_ACCOUNT",
      "balance_type": "ASSET",
      "overdraft": {
        "arranged": 5000.5,
        "used": 1000.5,
        "unarranged": 300.1
      },
      "type": "STANDARD_NACIONAL",
      "subtype": "FINANCIAMENTO_HABITACIONAL_SFH",
      "name": "Cuenta Perfiles- M.N. - MXN-666",
      "number": "4057068115181",
      "agency": "6272",
      "check_digit": "7",
      "balance": {
        "current": 5874.13,
        "available": 5621.12,
        "blocked": 60.32,
        "automatically_invested": 131.5
      },
      "currency": "BRL",
      "public_identification_name": "AGENCY/ACCOUNT",
      "public_identification_value": "0444/45722-0",
      "internal_identification": "92792126019929279212650822221989319252576",
      "credit_data": {
        "collected_at": "2022-02-09T08:45:50.406032Z",
        "credit_limit": 192000.9,
        "limits": [
          {
            "identification_number": "4453",
            "credit_limit": 1000.04,
            "used_amount": 400.04,
            "available_amount": 600,
            "type": "TOTAL_LIMIT",
            "consolidation_type": "INDIVIDUAL",
            "line_name": "CREDITO_A_VISTA",
            "line_name_additional_info": "Informações adicionais e complementares"
          }
        ],
        "cutting_date": "2019-12-11",
        "minimum_payment": 2400.3,
        "network": "MASTERCARD",
        "network_additional_info": "It's an orange card.",
        "cards": [
          {
            "identification_number": "4453"
          }
        ]
      },
      "loan_data": {
        "collected_at": "2022-02-09T08:45:50.406032Z",
        "loan_code": "92792126019929279212650822221989319252576",
        "contract_amount": 202000,
        "total_effective_cost": 209000,
        "loan_type": "HOME_EQUITY",
        "outstanding_balance": 182000,
        "interest_rates": [
          {
            "name": "NOMINAL",
            "type": "MONTHLY",
            "value": 7.85,
            "interest_rate_data": {
              "tax_type": "NOMINAL",
              "rate_type": "SIMPLE",
              "type": "MONTHLY",
              "calculation_base": "30/360",
              "reference_index_type": "FLOATING",
              "reference_index_subtype": "TR_TBF",
              "reference_index_info": "Additional information",
              "pre_fixed_rate": 0.062,
              "post_fixed_rate": 0.062,
              "additional_info": "Additional information"
            }
          }
        ],
        "fees": [
          {
            "value": 5.6,
            "name": "Renovação de cadastro",
            "code": "CADASTRO",
            "fee_charge_type": "SINGLE",
            "fee_charge": "FIXED",
            "rate": 0.062
          }
        ],
        "contracted_charges": [
          {
            "type": "LATE_PAYMENT_INTEREST_FEE",
            "info": "Late fee",
            "rate": 0.062
          }
        ],
        "collaterals": [
          {
            "type": "OPERACOES_GARANTIDAS_PELO_GOVERNO",
            "subtype": "CCR_CONVENIO_CREDITOS_RECIPROCOS",
            "currency": "BRL",
            "amount": 45391.89
          }
        ],
        "balloon_payments": [
          {
            "due_date": "2021-09-06",
            "currency": "BRL",
            "amount": 45391.89
          }
        ],
        "installments_contract_term_frequency": "MONTH",
        "installment_frequency": "MONTHLY",
        "installment_frequency_info": "Both the term and requency are the same.",
        "first_installment_due_date": "2020-03-01",
        "number_of_installments_total": 60,
        "number_of_installments_outstanding": 48,
        "number_of_installments_paid": 32,
        "number_of_installments_past_due": 2,
        "disbursement_dates": [
          "2021-09-23"
        ],
        "settlement_date": "2021-09-23",
        "contract_start_date": "2020-03-01",
        "contract_end_date": "2027-10-01",
        "contract_remaining_frequency": "MONTH",
        "contract_remaining_total": 20,
        "amortization_schedule": "SEM_SISTEMA_AMORTIZACAO",
        "amortization_schedule_info": "No need for a schedule.",
        "consignee_id": "60500998000135",
        "contract_number": "1324926521496"
      }
    },
    "collected_at": "2022-02-09T08:45:50.406032Z",
    "created_at": "2022-02-09T08:45:50.406032Z",
    "value_date": "2019-10-23",
    "transacted_at": "2024-02-20T12:29:03.374Z",
    "accounting_date": "2019-10-23",
    "inferred_accounting_date": "2019-10-23",
    "amount": 2145.45,
    "local_currency_amount": 7623.64,
    "currency": "BRL",
    "description": "SEVEN BUDDHAS RFC:XXXXXXXXXX",
    "merchant": {
      "logo": "https://logo.clearbit.com/asesor-contable.es",
      "website": "https://merchants-r-us.com",
      "merchant_name": "Merchants R Us Global"
    },
    "category": "Income & Payments",
    "subcategory": "Freelance",
    "type": "INFLOW",
    "status": "PROCESSED",
    "credit_card_data": {
      "collected_at": "2022-02-09T08:45:50.406032Z",
      "bill_name": "apr-2020",
      "bill_due_date": "2023-06-17",
      "bill_internal_identification": "927921260199292792126508222219893192525A6",
      "bill_amount": 300,
      "card_number": "4453",
      "fee_type": "NATIONAL_WITHDRAWAL",
      "fee_type_additional_info": "ATM withdrawal in Curitiba.",
      "credits_type": "BILL_INSTALLMENT_PAYMENT",
      "credits_type_additional_info": "Some additional information.",
      "installment_identifier": "PARCELA_896",
      "number_of_installments": 4,
      "credit_card_bill": {
        "id": "8e9d13c2-af41-4a49-b43e-2da012bd1d11",
        "internal_identification": "92792126019929279212650822221989319252576"
      }
    },
    "counterparty": {
      "type": "INDIVIDUAL",
      "document_number": "73677831148",
      "clearing_code": "001",
      "agency": "6272",
      "check_digit": "7",
      "number": "24550245"
    },
    "loan_data": {
      "is_detached": true,
      "installment_id": "WGx0aExYcEJMVm93TFRsZFcyRXRla0V0V2pBdE9Wd3RYWH",
      "fees": [
        {
          "name": "Reavaliação periódica do bem",
          "code": "aval_bem",
          "amount": 8903.77
        }
      ],
      "charges": [
        {
          "type": "MULTA_ATRASO_PAGAMENTO",
          "info": "Late payment charge.",
          "amount": 8903.77
        }
      ]
    },
    "payment_type": "FULL",
    "operation_type": "TRANSFERENCIA_MESMA_INSTITUICAO",
    "operation_type_additional_info": "Internal transfer.",
    "mcc": 5137
  }
]