Overview

Once your customer has connected their account to your app, you can then use our endpoints to retrieve customer financial account information.

The following Meld products are normalized to return data across any bank linking service provider configured to your account:

Balances: The cached or realtime balances of the Customer's account.
Identifiers: The institution's account and routing numbers or related account specific account identifiers.
Owners: The Customer's account owner information, such as name and address.
Transactions: Customer's account transaction history.
Investment Holdings: Customer's current investment holdings, including stocks and other securities.
Investment Transactions: Customer's trade history.

The following are not standalone products but rather features Meld supports.

Processor Token: Where supported by the service provider, this token can be used by an authorized third party to make API calls directly to the processor on your behalf.
Note: Processor Token is treated differently than other products in that it isn't requested in the initial call to /connect/start. It has its own separate endpoint
Recurring Transactions: Certain providers identify recurring transactions (such as a monthly subscription to a service). Therfore, for Plaid and MX specifically, you will notice that recurring transactions, in the transaction details object, have recurring=TRUE, while all other transactions have recurring=FALSE.

Mapping of Meld's products to service provider's products:

Meld Product	Plaid Product	Finicity Product	MX Product	Yodlee Product	SaltEdge Product	SaltEdge Partners Product	Akoya Product
Balances	Balance	availBalance	Balance	Account_details	Account_details	Account_details	Balances
Identifiers	Auth	ACH	Verification	Account_details	Account_details	Account_details	Payments
Owners	Identity	accountOwner	Identity	Account_details	Holder Info	Holder Info	Customers
Transactions	Transactions	transAgg	Transactions	Transactions	Transactions	Transactions	Transactions
Investment Holdings	Investment Holdings	availBalance	Investment Holdings	Holdings			Investments
Investment Transactions	Investment Transactions	transAgg	Transactions	Transactions			Transactions

Account Types and Subtypes

Each service provider has its own way of returning data and hierarchy/nomenclature when it comes to account types and subtypes. We have normalized the data across providers so accounts have a uniform way of identifying account types. You can reference the service provider mappings to the Meld account types/subtypes in the Normalized Account Types and Subtypes section at the bottom of each service provider's mappings page.

Note: If service providers add new account types/subtypes then they will be mapped to the Meld type of UNIDENTIFIED until a proper mapping has been determined.

A list of all the Meld account types and subtypes can be found below: