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This data comes from Finicity’s /aggregation/v3/customers /{customerId}/accounts /{accountId}/transactions endpoint and is returned from Meld’s /bank-linking/transactions endpoint. To fetch transaction data, Meld calls GetCustomerAccountTransactions the vast majority of the time, Meld only uses the paid endpoint LoadHistoricTransactionsForCustomerAccount for historical transactions (1 time per connection on the initial load). Forced refreshes are done via RefreshCustomerAccountsByInstitutionLogin. Finicity’s transaction signs (positive and negative) are inverted when mapped to make the behavior consistent with other providers. You can find more information on signage here.
Example values: amount: -42.50, currency: "USD", description: "STARBUCKS #1234", status: "POSTED", transactionDate: "2024-08-10", postedDate: "2024-08-11".
Finicity may continue to surface transactions as SHADOW after the institution has removed them from its current data feed. Treat SHADOW transactions accordingly when reconciling.