--- title: "Patch account template" method: PATCH path: "/accounts/templates/{template_id}" tags: ["Accounts"] --- # Patch account template `PATCH /accounts/templates/{template_id}` Patch account template ## Path parameters - `template_id` string, uuid, required ## Request body - PatchAccountTemplate - `description` string — User provided account template description - `is_enabled` boolean — Whether this template can be used for account creation - `name` string — Unique account template name - `template` union - PatchRevolvingCreditSecuredTemplateFields - `account_program_id` string, uuid - `application_workflow_id` string, uuid — Taktile workflow ID for credit application processing - `fee_product_ids` string[], nullable — A list of fee account products that the current account associates with. - `reward_product_ids` string[], nullable — A list of reward account products that the current account associates with. - `spend_control_ids` string[] — List of spend control IDs to control spending for the account - `vendor_info` TemplateVendorInfo — Vendor information for account templates - `vendor_data` TemplateVendorData, required — Vendor-specific data for templates - `loanpro` LoanproTemplateVendorData — LoanPro-specific vendor data for template - `cash_advance_bucket_id` integer, required — LoanPro cash advance bucket ID - `loc_product_id` integer, required — LoanPro line of credit product ID - `purchases_bucket_id` integer, required — LoanPro purchases bucket ID - `tenant_id` string, required — LoanPro tenant ID - `vendor_type` 'LOANPRO', required — The type of vendor managing this account - PatchDepositoryTemplateFields — Rails available to enable on depository accounts - `account_program_id` string, uuid - `account_type` 'CHECKING' | 'PREPAID' | 'SAVING' - `fee_product_ids` string[], nullable — A list of fee account products that the current account associates with. - `interest_product_id` string, uuid — An interest account product that the current account associates with. - `is_sar_enabled` boolean — Enable SAR report. - `reward_product_ids` string[], nullable — A list of reward account products that the current account associates with. - `spend_control_ids` string[] — List of spend control IDs to control spending for the account - `is_ach_credit_enabled` boolean — A flag to indicate whether ACH credits are enabled. Both is_ach_enabled and is_ach_credit_enabled must be true for an ACH credit to be allowed. - `is_ach_debit_enabled` boolean — A flag to indicate whether ACH debits are enabled. Both is_ach_enabled and is_ach_debit_enabled must be true for an ACH debit to be allowed. - `is_ach_enabled` boolean — A flag to indicate whether ACH transactions are enabled. - `is_card_credit_enabled` boolean — A flag to indicate whether card credits are enabled. Both is_card_enabled and is_card_credit_enabled must be true for a card credit to be allowed. - `is_card_debit_enabled` boolean — A flag to indicate whether card debits are enabled. Both is_card_enabled and is_card_debit_enabled must be true for a card debit to be allowed. - `is_card_enabled` boolean — A flag to indicate whether card transactions are enabled. - `is_cash_credit_enabled` boolean — A flag to indicate whether cash credits are enabled. Both is_cash_enabled and is_cash_credit_enabled must be true for a cash credit to be allowed. - `is_cash_debit_enabled` boolean — A flag to indicate whether cash debits are enabled. Both is_cash_enabled and is_cash_debit_enabled must be true for a cash debit to be allowed. - `is_cash_enabled` boolean — A flag to indicate whether cash transactions are enabled. - `is_check_credit_enabled` boolean — A flag to indicate whether check credits are enabled. Both is_check_enabled and is_check_credit_enabled must be true for a check credit to be allowed. - `is_check_debit_enabled` boolean — A flag to indicate whether check debits are enabled. Both is_check_enabled and is_check_debit_enabled must be true for a check debit to be allowed. - `is_check_enabled` boolean — A flag to indicate whether check transactions are enabled. - `is_eft_ca_credit_enabled` boolean — A flag to indicate whether EFT Canada credits are enabled. Both is_eft_ca_enabled and is_eft_ca_credit_enabled must be true for an EFT Canada credit to be allowed. - `is_eft_ca_debit_enabled` boolean — A flag to indicate whether EFT Canada debits are enabled. Both is_eft_ca_enabled and is_eft_ca_debit_enabled must be true for an EFT Canada debit to be allowed. - `is_eft_ca_enabled` boolean — A flag to indicate whether EFT Canada transactions are enabled. - `is_external_card_credit_enabled` boolean — A flag to indicate whether external card credits are enabled. Both is_external_card_enabled and is_external_card_credit_enabled must be true for an external card credit to be allowed. - `is_external_card_debit_enabled` boolean — A flag to indicate whether external card debits are enabled. Both is_external_card_enabled and is_external_card_debit_enabled must be true for an external card debit to be allowed. - `is_external_card_enabled` boolean — A flag to indicate whether external card transactions are enabled. - `is_fednow_credit_enabled` boolean — A flag to indicate whether FedNow credits are enabled. Both is_fednow_enabled and is_fednow_credit_enabled must be true for a FedNow credit to be allowed. - `is_fednow_debit_enabled` boolean — A flag to indicate whether FedNow debits are enabled. Both is_fednow_enabled and is_fednow_debit_enabled must be true for a FedNow debit to be allowed. - `is_fednow_enabled` boolean — A flag to indicate whether FedNow transactions are enabled. - `is_p2p_enabled` boolean — A flag to indicate whether P2P transactions are enabled. - `is_synctera_pay_credit_enabled` boolean — A flag to indicate whether Synctera Pay credits are enabled. Both is_synctera_pay_enabled and is_synctera_pay_credit_enabled must be true for a Synctera Pay credit to be allowed. - `is_synctera_pay_debit_enabled` boolean — A flag to indicate whether Synctera Pay debits are enabled. Both is_synctera_pay_enabled and is_synctera_pay_debit_enabled must be true for a Synctera Pay debit to be allowed. - `is_synctera_pay_enabled` boolean — A flag to indicate whether Synctera Pay transactions are enabled. - `is_wire_credit_enabled` boolean — A flag to indicate whether wire credits are enabled. Both is_wire_enabled and is_wire_credit_enabled must be true for a wire credit to be allowed. - `is_wire_debit_enabled` boolean — A flag to indicate whether wire debits are enabled. Both is_wire_enabled and is_wire_debit_enabled must be true for a wire debit to be allowed. - `is_wire_enabled` boolean — A flag to indicate whether wire transactions are enabled. - PatchRevolvingCreditUnsecuredTemplateFields - `account_program_id` string, uuid - `application_workflow_id` string, uuid — Taktile workflow ID for credit application processing - `fee_product_ids` string[], nullable — A list of fee account products that the current account associates with. - `reward_product_ids` string[], nullable — A list of reward account products that the current account associates with. - `spend_control_ids` string[] — List of spend control IDs to control spending for the account - `vendor_info` TemplateVendorInfo — Vendor information for account templates - `vendor_data` TemplateVendorData, required — Vendor-specific data for templates - `loanpro` LoanproTemplateVendorData — LoanPro-specific vendor data for template - `cash_advance_bucket_id` integer, required — LoanPro cash advance bucket ID - `loc_product_id` integer, required — LoanPro line of credit product ID - `purchases_bucket_id` integer, required — LoanPro purchases bucket ID - `tenant_id` string, required — LoanPro tenant ID - `vendor_type` 'LOANPRO', required — The type of vendor managing this account - PatchChargeUnsecuredTemplateFields - `account_program_id` string, uuid - `fee_product_ids` string[], nullable — A list of fee account products that the current account associates with. - `grace_period` integer — The number of days past the billing period to allow for payment before it is considered due. This directly determines the due date for a payment. - `reward_product_ids` string[], nullable — A list of reward account products that the current account associates with. - `spend_control_ids` string[] — List of spend control IDs to control spending for the account - PatchChargeSecuredTemplateFields - `account_program_id` string, uuid - `auto_payment_period` integer — The number of days past the billing period to initiate an auto payment. Only applicable for accounts with type `CHARGE_SECURED`, where the account holder has opted in for auto payment functionality. This value must be lower than or equal to the `grace_period` setting on the account. If this value is 0, the auto payment will happen on the same day as the statement is generated. Auto payment only occurs if regular payments are not received on time. - `fee_product_ids` string[], nullable — A list of fee account products that the current account associates with. - `grace_period` integer — The number of days past the billing period to allow for payment before it is considered due. This directly determines the due date for a payment. - `minimum_payment` MinimumPaymentFull — The scheme for calculating the minimum payment due for outstanding balances in a billing period. - `type` 'FULL' | 'RATE_OR_AMOUNT', required — * RATE_OR_AMOUNT: Describes a minimum payment scheme where the amount calculated is either a portion of the balance due, or a fixed, minimum amount, whichever is greater. For example, if set to 1.00% and $30, the minimum payment will be calculated as 1.00% of the balance, or $30, whichever is greatest. However, the minimum payment will never exceed the statement balance. * FULL: Describes a minimum payment scheme where the amount calculated is the entire account balance at the end of the statement period. Note that the choice of minimum payment type is constrained by the account type. - `reward_product_ids` string[], nullable — A list of reward account products that the current account associates with. - `spend_control_ids` string[] — List of spend control IDs to control spending for the account - PatchLineOfCreditTemplateFields - `account_program_id` string, uuid - `fee_product_ids` string[], nullable — A list of fee account products that the current account associates with. - `grace_period` integer — The number of days past the billing period to allow for payment before it is considered due. This directly determines the due date for a payment. - `interest_product_id` string, uuid — An interest account product that the current account associates with. - `minimum_payment` MinimumPaymentPartial — The scheme for calculating the minimum payment due for outstanding balances in a billing period. - `min_amount` integer, required — The minimum amount to charge as a minimum payment, in cents. For example, to set the minimum to $30, set this value to 3000. Note: despite setting this value, the minimum payment will never be greater than the statement balance. - `rate` integer, required — The percentage of the balance to use, in basis points. For example, to set 12.5% of the balance, set this value to 1250. - `type` 'FULL' | 'RATE_OR_AMOUNT', required — * RATE_OR_AMOUNT: Describes a minimum payment scheme where the amount calculated is either a portion of the balance due, or a fixed, minimum amount, whichever is greater. For example, if set to 1.00% and $30, the minimum payment will be calculated as 1.00% of the balance, or $30, whichever is greatest. However, the minimum payment will never exceed the statement balance. * FULL: Describes a minimum payment scheme where the amount calculated is the entire account balance at the end of the statement period. Note that the choice of minimum payment type is constrained by the account type. - `reward_product_ids` string[], nullable — A list of reward account products that the current account associates with. - PatchCreditCardTemplateFields - `account_program_id` string, uuid - `application_workflow_id` string, uuid — Application workflow ID for credit decisioning. - `fee_product_ids` string[], nullable — A list of fee account products that the current account associates with. - `interest_product_id` string, uuid — An interest account product that the current account associates with. - `reward_product_ids` string[], nullable — A list of reward account products that the current account associates with. - `vendor_info` TemplateVendorInfo — Vendor information for account templates - `vendor_data` TemplateVendorData, required — Vendor-specific data for templates - `loanpro` LoanproTemplateVendorData — LoanPro-specific vendor data for template - `cash_advance_bucket_id` integer, required — LoanPro cash advance bucket ID - `loc_product_id` integer, required — LoanPro line of credit product ID - `purchases_bucket_id` integer, required — LoanPro purchases bucket ID - `tenant_id` string, required — LoanPro tenant ID - `vendor_type` 'LOANPRO', required — The type of vendor managing this account ## Response `200` Patch Account template - AccountTemplateResponse - `application_type` 'CREDIT' | 'LINE_OF_CREDIT' | 'RESTRICTED_ACCOUNT' — The type of the application to require. * CREDIT: Credit application * LINE_OF_CREDIT: (Deprecated) Line of credit application (if provided, this will be converted to a CREDIT type in the response) * RESTRICTED_ACCOUNT: restricted account application - `description` string — Account template description - `id` string, uuid — Generated ID for the template - `is_enabled` boolean, required — Whether this template can be used for account creation - `name` string, required — Unique account template name - `template` TemplateFieldsGenericResponse, required - `account_program_id` string, uuid - `account_type` 'CHARGE_SECURED' | 'CHARGE_UNSECURED' | 'CHECKING' | 'CREDIT_CARD' | 'GENERAL_LEDGER' | 'LINE_OF_CREDIT' | 'PREPAID' | 'REVOLVING_CREDIT_SECURED' | 'REVOLVING_CREDIT_UNSECURED' | 'SAVING', required — The type of the account. In lead mode, this always takes the value of the template. If not specified in shadow mode, CHECKING will be assumed. Below mentioned are the account types: * SAVING: Savings account * CHECKING: Checking account * PREPAID: Prepaid account * LINE_OF_CREDIT: Line of Credit account * CREDIT_CARD: Credit Card account * CHARGE_SECURED: Secured Charge account, e.g. for use in a Smart Charge Card offering * CHARGE_UNSECURED: (alpha) Unsecured Charge account * REVOLVING_CREDIT_SECURED: Secured Revolving Credit account * REVOLVING_CREDIT_UNSECURED: Unsecured Revolving Credit account * GENERAL_LEDGER: General Ledger account (alpha - cannot yet be created). In production, these can only be created or updated by a Synctera administrator. - `application_workflow_id` string, uuid — Taktile workflow ID for credit application processing - `auto_payment_period` integer — The number of days past the billing period to initiate an auto payment. Only applicable for accounts with type `CHARGE_SECURED`, where the account holder has opted in for auto payment functionality. This value must be lower than or equal to the `grace_period` setting on the account. If this value is 0, the auto payment will happen on the same day as the statement is generated. Auto payment only occurs if regular payments are not received on time. - `balance_ceiling` BalanceCeiling - `balance` integer, required — Maximum balance in the account's currency. Unit in cents. - `linked_account_id` string, uuid — ID of linked backing account for just-in-time (JIT) funding of transactions to maintain the balance ceiling - `overflow_account_id` string, uuid — ID of linked backing account for just-in-time (JIT) funding of transactions to maintain the balance ceiling This attribute is a deprecated alias for linked_account_id. - `balance_floor` BalanceFloor - `balance` integer, required — Minimum balance in the account's currency. Unit in cents. - `linked_account_id` string, uuid — ID of linked backing account for just-in-time (JIT) funding of transactions to maintain the balance floor - `overdraft_account_id` string, uuid — ID of linked backing account for just-in-time (JIT) funding of transactions to maintain the balance floor This attribute is a deprecated alias for linked_account_id. - `bank_account_id` string, uuid — The bank account ID for this account. This is a unique identifier for the bank side account that this Synctera account belongs to. This field can be auto filled if only one bank account of the appropriate type exist for the tenant of concern. - `bank_country` string, required — Bank country of the account - `billing_period` BillingPeriod — The scheme for determining an account's billing period. - `frequency` 'ANNUALLY' | 'BI_WEEKLY' | 'DAILY' | 'MONTHLY' | 'SEMI_MONTHLY' | 'WEEKLY', required — The frequency of billing cycles. Along with the start date, this will determine the start and end of each cycle. - `start_date` string, date-time, required — The first day of the first billing cycle for this account. For a monthly billing cycle, this would determine the day of the month each billing cycle will start on. Note that, although this is returned as a UTC timestamp, the date always corresponds to the bank's calendar, and therefore the time and timezone should be ignored. - `currency` string, required — Account currency. ISO 4217 alphabetic currency code - `fee_product_ids` string[], nullable — A list of fee account products that the current account associates with. - `grace_period` integer — The number of days past the billing period to allow for payment before it is considered due. This directly determines the due date for a payment. - `interest_product_id` string, uuid — An interest account product that the current account associates with. - `is_ach_credit_enabled` boolean — Enable ACH credits on the ledger. Both is_ach_enabled and is_ach_credit_enabled must be true for an ACH credit to be allowed. - `is_ach_debit_enabled` boolean — Enable ACH debits on the ledger. Both is_ach_enabled and is_ach_debit_enabled must be true for an ACH debit to be allowed. - `is_ach_enabled` boolean — Enable ACH transaction on ledger. - `is_card_credit_enabled` boolean — Enable card credits on the ledger. Both is_card_enabled and is_card_credit_enabled must be true for a card credit to be allowed. - `is_card_debit_enabled` boolean — Enable card debits on the ledger. Both is_card_enabled and is_card_debit_enabled must be true for a card debit to be allowed. - `is_card_enabled` boolean — Enable card transaction on ledger. - `is_cash_credit_enabled` boolean — Enable cash credits on the ledger. Both is_cash_enabled and is_cash_credit_enabled must be true for a cash credit to be allowed. - `is_cash_debit_enabled` boolean — Enable cash debits on the ledger. Both is_cash_enabled and is_cash_debit_enabled must be true for a cash debit to be allowed. - `is_cash_enabled` boolean — Enable cash transaction on ledger. - `is_check_credit_enabled` boolean — Enable check credits on the ledger. Both is_check_enabled and is_check_credit_enabled must be true for a check credit to be allowed. - `is_check_debit_enabled` boolean — Enable check debits on the ledger. Both is_check_enabled and is_check_debit_enabled must be true for a check debit to be allowed. - `is_check_enabled` boolean — Enable check transaction on ledger. - `is_eft_ca_credit_enabled` boolean — Enable EFT Canada credits on the ledger. Both is_eft_ca_enabled and is_eft_ca_credit_enabled must be true for an EFT Canada credit to be allowed. - `is_eft_ca_debit_enabled` boolean — Enable EFT Canada debits on the ledger. Both is_eft_ca_enabled and is_eft_ca_debit_enabled must be true for an EFT Canada debit to be allowed. - `is_eft_ca_enabled` boolean — A flag to indicate whether EFT Canada transactions are enabled. - `is_external_card_credit_enabled` boolean — Enable external card credits on the ledger. Both is_external_card_enabled and is_external_card_credit_enabled must be true for an external card credit to be allowed. - `is_external_card_debit_enabled` boolean — Enable external card debits on the ledger. Both is_external_card_enabled and is_external_card_debit_enabled must be true for an external card debit to be allowed. - `is_external_card_enabled` boolean — Enable external card transaction on ledger. - `is_fednow_credit_enabled` boolean — A flag to indicate whether FedNow credits are enabled. Both is_fednow_enabled and is_fednow_credit_enabled must be true for a FedNow credit to be allowed. - `is_fednow_debit_enabled` boolean — A flag to indicate whether FedNow debits are enabled. Both is_fednow_enabled and is_fednow_debit_enabled must be true for a FedNow debit to be allowed. - `is_fednow_enabled` boolean — A flag to indicate whether FedNow transactions are enabled. - `is_p2p_enabled` boolean — Enable P2P transaction on ledger. - `is_sar_enabled` boolean — Enable SAR report. - `is_synctera_pay_credit_enabled` boolean — Enable Synctera Pay credits on the ledger. Both is_synctera_pay_enabled and is_synctera_pay_credit_enabled must be true for a Synctera Pay credit to be allowed. - `is_synctera_pay_debit_enabled` boolean — Enable Synctera Pay debits on the ledger. Both is_synctera_pay_enabled and is_synctera_pay_debit_enabled must be true for a Synctera Pay debit to be allowed. - `is_synctera_pay_enabled` boolean — Enable Synctera Pay transaction on ledger. - `is_wire_credit_enabled` boolean — Enable wire credits on the ledger. Both is_wire_enabled and is_wire_credit_enabled must be true for a wire credit to be allowed. - `is_wire_debit_enabled` boolean — Enable wire debits on the ledger. Both is_wire_enabled and is_wire_debit_enabled must be true for a wire debit to be allowed. - `is_wire_enabled` boolean — Enable wire transaction on ledger. - `minimum_payment` union — The scheme for calculating the minimum payment due for outstanding balances in a billing period. - object - `min_amount` integer, required — The minimum amount to charge as a minimum payment, in cents. For example, to set the minimum to $30, set this value to 3000. Note: despite setting this value, the minimum payment will never be greater than the statement balance. - `rate` integer, required — The percentage of the balance to use, in basis points. For example, to set 12.5% of the balance, set this value to 1250. - `type` 'FULL' | 'RATE_OR_AMOUNT', required — * RATE_OR_AMOUNT: Describes a minimum payment scheme where the amount calculated is either a portion of the balance due, or a fixed, minimum amount, whichever is greater. For example, if set to 1.00% and $30, the minimum payment will be calculated as 1.00% of the balance, or $30, whichever is greatest. However, the minimum payment will never exceed the statement balance. * FULL: Describes a minimum payment scheme where the amount calculated is the entire account balance at the end of the statement period. Note that the choice of minimum payment type is constrained by the account type. - object - `type` 'FULL' | 'RATE_OR_AMOUNT', required — * RATE_OR_AMOUNT: Describes a minimum payment scheme where the amount calculated is either a portion of the balance due, or a fixed, minimum amount, whichever is greater. For example, if set to 1.00% and $30, the minimum payment will be calculated as 1.00% of the balance, or $30, whichever is greatest. However, the minimum payment will never exceed the statement balance. * FULL: Describes a minimum payment scheme where the amount calculated is the entire account balance at the end of the statement period. Note that the choice of minimum payment type is constrained by the account type. - `overdraft_limit` integer — This field is unused and will be removed in a future API version. - `reward_product_ids` string[], nullable — A list of reward account products that the current account associates with. - `spend_control_ids` string[] — List of spend control IDs to control spending for the account - `spending_limits` SpendingLimits — Account spending limits is unused and has been deprecated. Instead use the spend controls API. - `day` SpendingLimitWithTime — Limit over a specific time period. - `amount` integer — Maximum amount allowed within the time range. Unit in cents. - `transactions` integer — Maximum number of transactions allowed within the time range - `description` string — User provided description on the spending limits - `lifetime` SpendingLimitWithTime — Limit over a specific time period. - `amount` integer — Maximum amount allowed within the time range. Unit in cents. - `transactions` integer — Maximum number of transactions allowed within the time range - `month` SpendingLimitWithTime — Limit over a specific time period. - `amount` integer — Maximum amount allowed within the time range. Unit in cents. - `transactions` integer — Maximum number of transactions allowed within the time range - `transaction` object — Individual transaction limit - `amount` integer — Maximum amount allowed. Unit in cents. - `week` SpendingLimitWithTime — Limit over a specific time period. - `amount` integer — Maximum amount allowed within the time range. Unit in cents. - `transactions` integer — Maximum number of transactions allowed within the time range - `vendor_info` TemplateVendorInfo — Vendor information for account templates - `vendor_data` TemplateVendorData, required — Vendor-specific data for templates - `loanpro` LoanproTemplateVendorData — LoanPro-specific vendor data for template - `cash_advance_bucket_id` integer, required — LoanPro cash advance bucket ID - `loc_product_id` integer, required — LoanPro line of credit product ID - `purchases_bucket_id` integer, required — LoanPro purchases bucket ID - `tenant_id` string, required — LoanPro tenant ID - `vendor_type` 'LOANPRO', required — The type of vendor managing this account - `tenant` string — The id of the tenant containing the resource. This is relevant for Fintechs that have multiple workspaces. --- [API](https://skmtc.net/synctera/apis/synctera-api.md) · [All operations](https://skmtc.net/synctera/apis/synctera-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/synctera/synctera-api/versions/b0d812e6cdd0/schema)