API Endpoints

The below provides developers with essential information on how to integrate and interact with the API, covering key methods, data formats, request/response structures, and error handling protocols.

Few important points regarding the date and amount fields in the request payload:

1. Supported date formats are DD/MM/YYYY, YYYYMMDD or YYYY-MM-DD

2. Debit amounts are indicated with a negative (-) sign

Send banking transaction data for insights analysis

post

This endpoint is provided to allows customers to send MogoPlus banking data in a single payload. MogoPlus does not set bounds on the data submitted, so API consumers can submit the data pertinent to their needs. If a given dataset is not required for insights analysis - for example, balances is not required - the data can simply be omitted. The minimum requirements will, however is account and transaction data, which must be supplied for meaningful analysis to take place. API consumers can submit data from multiple applicants or across multiple accounts in a single request.

Authorizations

AuthorizationstringRequired

Bearer authentication header of the form Bearer <token>.

Body

Banking data supplied by customer participant

Responses

201

Data received successfully and accepted for processing The insightsId value is provided for tracking the insights request and retrieving the request from /banking-data-insights.

application/json

400

Invalid input or arguments

application/json

401

Invalid credentials

application/json

403

Credentials are valid but access to the resource is forbidden due to access controls. Access must be granted for this request to succeed

application/json

405

Unsupported HTTP method sent

application/json

406

Requested content type is not supported by this API

application/json

422

Request cannot be processed by the API as the content contains errors

application/json

429

The API has receive too many requests from the client and is rate-limiting further requests based on published limits

application/json

500

API encountered an error processing the request

application/json

503

The API is not currently available due a transient network error, internal service error or planned outage

application/json

post/api/application

POST /api/application HTTP/1.1
Host: console.live.mogoplus.ai
Authorization: Bearer YOUR_SECRET_TOKEN
Content-Type: application/json
Accept: */*
Content-Length: 272

{
  "applicantsData": [
    {
      "applicant": {
        "firstName": "text",
        "lastName": "text",
        "employerNames": [
          "text"
        ]
      },
      "bankingTransactionData": {
        "institutions": [
          {
            "institutionName": "text",
            "accounts": [
              {
                "accountNumber": "text",
                "transactions": [
                  {
                    "description": "text",
                    "amount": 1,
                    "date": "text"
                  }
                ]
              }
            ]
          }
        ]
      }
    }
  ]
}

{
  "data": {
    "insightsId": {
      "insightsId": "text"
    },
    "insightsReport": {
      "subscriptionId": "9e58813c-7c2a-11ee-b962-0242ac120002",
      "report": "https://console.live.mogoplus.ai/api/application/c8c7d799-fe50-43bb-8e61-f08cd8a9434"
    }
  },
  "links": {
    "self": "https://console.live.mogoplus.ai/api/application/c8c7d799-fe50-43bb-8e61-f08cd8a9434f"
  }
}

Retrieve the banking data insights report

get

This endpoint provides the insights report. If processing is ongoing the endpoint will return a 204 to indicate no data is available.

Authorizations

AuthorizationstringRequired

Bearer authentication header of the form Bearer <token>.

Path parameters

applicationIdstringRequired

A valid V4 UUID

Pattern: ^[0-9a-f]{8}-[0-9a-f]{4}-[0-5][0-9a-f]{3}-[089ab][0-9a-f]{3}-[0-9a-f]{12}$

Responses

200

The banking data insights report

application/json

Provides both the state of processing and the response data. Whilst processing is ongoing the data object will be omitted.

reportStringstringRequired

206

partial response content, meaning inprogress

application/json

400

Invalid input or arguments

application/json

401

Invalid credentials

application/json

403

Credentials are valid but access to the resource is forbidden due to access controls. Access must be granted for this request to succeed

application/json

405

Unsupported HTTP method sent

application/json

406

Requested content type is not supported by this API

application/json

429

The API has receive too many requests from the client and is rate-limiting further requests based on published limits

application/json

500

API encountered an error processing the request

application/json

503

The API is not currently available due a transient network error, internal service error or planned outage

application/json

get/api/application/{applicationId}

GET /api/application/{applicationId} HTTP/1.1
Host: console.live.mogoplus.ai
Authorization: Bearer YOUR_SECRET_TOKEN
Accept: */*

{
  "insightsHeader": {
    "insightsId": "text",
    "insightsPublishDate": "text",
    "clientId": "text",
    "clientName": "text",
    "reports": [
      {
        "reportHeader": {
          "reportId": "text",
          "reportPublishDate": "text",
          "applicationType": "text",
          "numberOfApplicants": 1,
          "applicants": [
            {
              "applicantId": "text",
              "applicantName": "text"
            }
          ]
        },
        "combinedSummary": {
          "combinedNumberOfInstitutions": 1,
          "combinedNumberOfAccounts": 1,
          "combinedNumberOfTransactions": 1,
          "currency": "text",
          "combinedTotalSummary": {
            "credit": {
              "sumAmount": 1,
              "numberOfTransactions": 1,
              "Average": 1
            },
            "debit": {
              "sumAmount": 1,
              "numberOfTransactions": 1,
              "Average": 1
            }
          },
          "combinedCategoryGroupSummary": {
            "combinedCategoryGroups": [
              {
                "categoryGroup": "text",
                "categoryGroupDescription": "text",
                "debit": {
                  "sumAmount": 1,
                  "numberOfTransactions": 1,
                  "Average": 1
                },
                "credit": {
                  "sumAmount": 1,
                  "numberOfTransactions": 1,
                  "Average": 1
                }
              }
            ]
          },
          "combinedCategorySummary": {
            "combined": [
              {
                "categoryCode": "text",
                "categoryCodeDescription": "text",
                "credit": {
                  "sumAmount": 1,
                  "numberOfTransactions": 1,
                  "Average": 1
                },
                "debit": {
                  "sumAmount": 1,
                  "numberOfTransactions": 1,
                  "Average": 1
                }
              }
            ]
          },
          "netMonthlyPosition": {
            "ANY_ADDITIONAL_PROPERTY": "text"
          },
          "combinedIncomeInsights": {
            "basicIncomeInsights": {
              "currency": "text",
              "income": {
                "sumAmount": 1,
                "numberOfTransactions": 1,
                "averageMonthly": 1
              },
              "incomeBuckets": {
                "ANY_ADDITIONAL_PROPERTY": "text"
              }
            }
          }
        },
        "applicantSummary": {
          "applicants": [
            {
              "applicantName": "text",
              "numberOfInstitutions": 1,
              "numberOfAccounts": 1,
              "numberOfTransactions": 1,
              "currency": "text",
              "applicantTotalSummary": {
                "credit": {
                  "sumAmount": 1,
                  "numberOfTransactions": 1,
                  "Average": 1
                },
                "debit": {
                  "sumAmount": 1,
                  "numberOfTransactions": 1,
                  "Average": 1
                }
              },
              "applicantCategoryGroupSummary": {
                "applicantCategoryGroups": [
                  {
                    "categoryGroup": "text",
                    "categoryGroupDescription": "text",
                    "debit": {
                      "sumAmount": 1,
                      "numberOfTransactions": 1,
                      "Average": 1
                    },
                    "credit": {
                      "sumAmount": 1,
                      "numberOfTransactions": 1,
                      "Average": 1
                    }
                  }
                ]
              },
              "applicantCategorySummary": {
                "categories": [
                  {
                    "categoryCode": "text",
                    "categoryCodeDescription": "text",
                    "credit": {
                      "sumAmount": 1,
                      "numberOfTransactions": 1,
                      "Average": 1
                    },
                    "debit": {
                      "sumAmount": 1,
                      "numberOfTransactions": 1,
                      "Average": 1
                    }
                  }
                ]
              },
              "applicantDetailedTransaction": {
                "institutions": [
                  {
                    "institutionId": "text",
                    "institutionName": "text",
                    "accounts": [
                      {
                        "accountNumber": "text",
                        "accountName": "text",
                        "currentBalance": 1,
                        "availableBalance": 1,
                        "creditLimit": 1,
                        "numberOfTransactionsInTotal": 1,
                        "numberOfTransactionsCategorised": 1,
                        "transactions": [
                          {
                            "transactionId": "text",
                            "transactionDate": "text",
                            "transactionCategoryGroup": "text",
                            "transactionCategoryCode": "text",
                            "transactionDescription": "text",
                            "transactionAmount": 1,
                            "transactionCurrency": "text"
                          }
                        ]
                      }
                    ]
                  }
                ]
              },
              "netMonthlyPosition": {
                "ANY_ADDITIONAL_PROPERTY": "text"
              },
              "categoryReview": [
                {
                  "categoryCode": "text",
                  "categoryCodeDescription": "text",
                  "credit": {
                    "sumAmount": 1,
                    "numberOfTransactions": 1,
                    "Average": 1
                  },
                  "debit": {
                    "sumAmount": 1,
                    "numberOfTransactions": 1,
                    "Average": 1
                  },
                  "transactions": [
                    {
                      "transactionId": "text",
                      "transactionDate": "text",
                      "transactionCategoryGroup": "text",
                      "transactionCategoryCode": "text",
                      "transactionDescription": "text",
                      "transactionAmount": 1,
                      "transactionCurrency": "text"
                    }
                  ]
                }
              ]
            }
          ]
        },
        "incomeSummary": {
          "applicants": [
            {
              "applicantName": "text",
              "employmentInsights": [
                {
                  "declaredEmployerName": "text",
                  "employerNameVerified": true,
                  "latestEmployerVerifiedSalaryDate": "text",
                  "latestEmployerVerifiedSalaryAmount": 1
                }
              ],
              "IncomeInsights": {
                "basicIncomeInsights": {
                  "currency": "text",
                  "income": {
                    "sumAmount": 1,
                    "numberOfTransactions": 1,
                    "averageMonthly": 1
                  },
                  "incomeBuckets": {
                    "ANY_ADDITIONAL_PROPERTY": "text"
                  }
                },
                "inferentialIncomeInsights": [
                  {
                    "type": "text",
                    "employer": "text",
                    "recency": {
                      "daysInPriorMonth": 1,
                      "numberOfTransactionsInPriorMonth": 1
                    },
                    "regularity": {
                      "numberOfTransactions": 1,
                      "incomeDates": [
                        "text"
                      ],
                      "statisticsOfDayIntervals": {
                        "max": 1,
                        "min": 1,
                        "mean": 1,
                        "median": 1,
                        "mode": 1,
                        "standardDeviation": 1
                      }
                    },
                    "reliability": {
                      "numberOfTransactions": 1,
                      "incomeAmounts": [
                        {
                          "date": "text",
                          "amount": 1
                        }
                      ],
                      "statisticsOfSalaryAmount": {
                        "average": 1,
                        "median": 1,
                        "mode": 1,
                        "range": 1,
                        "standardDeviation": 1
                      }
                    }
                  }
                ]
              }
            }
          ]
        }
      }
    ]
  },
  "reportString": "text"
}