Belvo API Docs (1.219.0)

Introduction

Reach new audiences and convert more users by easily and safely connecting to their financial data, understanding their behavior and enabling instant payments with open finance. Through our API, you can access:

Available Information and Payment Methods

Belvo is an open banking API for Latin America that allows companies to access banking and fiscal information in a secure as well as agile way.

Through our API, you can access:

  • Banking Information in Brazil
  • Employment Information in Brazil
  • Employment Information in Mexico
  • Fiscal Information in Mexico
  • Fiscal Information in Chile

You can also use our API to make payments in:

  • Brazil
  • Mexico

Data Dictionaries

If you woud like the response documentation in Excel or CSV form, please download them from our public GitHub Reposiitory: Belvo Open Finance Data Dictionaries.

Our EXCEL and CSV files are additionally localized into Spanish and Portuguese (Brazil).

Environments

We currently offer two environments: sandbox and production.

Sandbox

Available for:

  • 🟢 Aggregation and Enrichment
  • ⚪️ Payment Initiation

Use our Sandbox environment to build your integration. We offer dummy data that mimics that of real-world use cases, which means you can test out all the endpoints, use the widget, and implement webhooks - just as you would with real-world data!

All you need to get started with the Sandbox environment is to get your API keys. We really recommend that you start creating your integration in this environment.

Production

Available for:

  • 🟢 Aggregation and Enrichment
  • 🟢 Payment Initiation

After you have tested your integration in the Sandbox environment and are ready to go live, you'll need to request access to our Production environment. After you request access, our Sales Team will get in contact with you to schedule a meeting just to ensure your needs are met, and then you'll just need to go through a certification process with one of our engineers to make sure that your integration is running optimally. To prepare for the certification meeting, just follow our Integration checklist.

Once your integration is certified, all you'll need to do is:

  • Request Production API keys (and change your Sandbox API keys in the code to these new ones).
  • Change the base URL that you make requests to from sandbox.belvo.com to api.belvo.com.
  • If you're using webhooks, make sure to set a Production URL for your webhooks.

Response codes

We use the following HTTP status code in the response depending on the success or failure:

Status CodeDescription
200✅ Success - The content is available in the response body.
201✅ Success - The content was created successfully on Belvo.
204✅ Success - No content to return.
400❌ Bad Request Error - Request returned an error, detail in the content.
401❌ Unauthorized - The Belvo credentials provided are not valid.
404❌ Not Found - The resource you try to access cannot be found.
405❌ Method Not Allowed - The HTTP method you are using is not accepted for this resource.
408❌ Request Timeout - The request timed out and was terminated by the server.
428❌ MFA Token Required - MFA token was required by the institution to connect.
500❌ Internal Server Error - The detail of the error is available in the response body.

Error handling

Belvo API errors are returned in JSON format. For example, an error might look like this:

[
    {
      "request_id": "a6e1c493d7a29d91aed4338e6fcf077d",
      "message": "This field is required.",
      "code": "required",
      "field": "link"
    }
]

Typically, an error response will have the following parameters:

  • request_id: a unique ID for the request, you should share it with the Belvo support team for investigations.
  • message: human-readable description of the error.
  • code: a unique code for the error. Check the table below to see how to handle each error code.
  • field (optional): The specific field in the request body that has an issue.

Request identifier

When you need help with a specific error, include the request identifier (request_id) in your message to the Belvo support team. This will speed up investigations and get you back up and running in no time at all.

Error codes and troubleshooting

For a full list of errors and how to troubleshoot them, please see our dedicated Error Handling article.

Retry policy

50x errors

Implement an automated exponential backoff of up to five retries. We recommend using a base interval of three seconds with a factor of two. For example, the first retry should be after three seconds, the second retry after six seconds (2 * 3), the third retry after 12 seconds (2 * 6), the fourth retry after 24 seconds (2 * 12), and the fifth retry after 48 seconds (2 * 24).

40x errors

You should not retry making requests if you receive a 40x response, as this is a client error.

The only exception is the “Too Many Sessions” error, as it means that your end-user is accessing the account from another browser at the same time. In this case, please implement the same retry policy as with 50x errors.

Deprecated fields

In our schema, you may see that a field has been marked as deprecated. This means that this field is no longer maintained by the Belvo team. You may still receive data for this field depending on the institution, however, you should not rely on this field.

OpenAPI: required and nullable fields

In our API specification, you'll see that some response parameters will have a required annotation. According to the OpenAPI specification, when a response parameter is marked as required, this means that the response key must be returned. However, the value of that response parameter can be null.

📘 Info

In short, any response parameter marked as required will be returned by our API, but the value can be set to null.

Download OpenAPI description
BelvoOpenApiSpec.json
BelvoOpenApiSpec.yaml
Overview
URL

https://developers.belvo.com

Need help?

support@belvo.com

Languages
Servers
Mock server

https://developers.belvo.com/_mock/apis/belvoopenapispec/

Sandbox

https://sandbox.belvo.com/

Institutions

An institution is an entity that Belvo can access information from. It can be a:

  • bank institution, such as Nubank Brazil.
  • fiscal institution, such as the Servicio de Administración Tributaria (SAT) in Mexico.
  • employment institutions, such as Instituto Mexicano del Seguro Social (IMSS) in Mexico or Instituto Nacional do Seguro Social (INSS) in Brazil.
Operations

Links

A Link is a set of credentials associated to an end-user's access to an institution. You will need to register a Link before accessing information from that specific end-user, such as account or transaction details.

We recommend using the Belvo Hosted Widget to manage the connection process.

Operations

Widget Access Token

Operations

Consents

A consent is a permission given by the end user to access their financial data in the Open Finance Network in Brazil.

Operations

Owners

An owner represents the person who has access to a Link and is the owner of all the accounts inside the Link.

You can use this endpoint in order to get useful information about your client, such as:

  • their full name
  • key contact information
  • information about the ID document they used when opening the account
Operations

Accounts

An account is the representation of a bank account inside a financial institution. A user can have one or more accounts in an institution.

For example, one user (or link) can have a checking account, several credit cards, and a loan account.

Querying for a user's account information is useful as you can get information regarding:

  • what types of accounts the user has.
  • the balance for each account (savings, checking, credit card, loan, and so on).
  • detailed information regarding their credit card spending.
  • the current situation of any loans they may have.
Operations

Balances

A balance is the amount of money available in a given bank account (checking or savings) at a given time.

Operations

Transactions

A transaction contains the detailed information of each movement inside an account. For example, a purchase at a store or a restaurant.

Operations

Bills

A bill refers to the credit card bill a user receives for a given account.

Operations

Investments Brazil

Operations

Investment Transactions Brazil

Operations

Employments Brazil

Our employments resource for Brazil lets you get a comprehensive view of your user's current employment history and salary information.

For each user, we return the:

  • work history (including occupations and employer data)
  • historical and current salary information (per employer)

At the moment, the employments resource is available for:

  • 🇧🇷 Brazil (INSS)
Operations

Employment Records Mexico

Our employment records resource for Mexico lets you get a comprehensive view of your user’s current social security contributions and employment history.

With Belvo's employment records resource for Mexico, you can access information about your user's current social security contributions and employment history. For the each user, we return the:

  • personal data
  • work history
  • historical and current daily base salary
  • and more!

At the moment, the employment records resource is available for:

  • 🇲🇽 Mexico (IMSS)
  • 🇲🇽 Mexico (ISSSTE)
Operations

Invoices

Operations

Tax compliance status

Operations

Tax returns

Operations

Tax retentions

Operations

Tax status

Operations

Financial Statements

Operations

Invoices Chile

Operations

Tax Status Chile

Operations

Debt Reports Chile

Operations

Incomes

Use the Incomes endpoint to gather insights on an account's income sources for the past 365 days. The endpoint is particularly useful when you want to verify a person's income.

📘 Info

The incomes resource is only available for Checking and Savings accounts associated with banking links.

Operations

Recurring Expenses

Belvo's Recurring Expenses API allows you to identify a user's regular payments for subscription services, such as Netflix or gym memberships, as well as utility payments, such as electricity or phone bills. We return information for up to 365 days.

📘 Info

The recurring expenses resource is only available for Checking, Savings and Credit Card accounts associated with banking links.

Operations

Recurring Expenses Object

Recurring expense insights.

ℹ️ If no recurring expense insights are found, we return an empty array.

idstring(uuid)

Belvo's unique identifier for the current item.

Example: "0d3ffb69-f83b-456e-ad8e-208d0998d71d"
accountobject or nullrequired

Details regarding the account.

Note: For our recurring expenses resource, this account relates to the account that was analyzed to generate the recurring expenses report.

idstring(uuid)

Belvo's unique identifier for the current item.

Example: "0d3ffb69-f83b-456e-ad8e-208d0998d71d"
linkstring or null(uuid)

The link.id the data belongs to.

Example: "30cb4806-6e00-48a4-91c9-ca55968576c8"
institutionobject

Details regarding the institution.

collected_atstring(date-time)required

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

Example: "2022-02-09T08:45:50.406032Z"
created_atstring(date-time)

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

Example: "2022-02-09T08:45:50.406032Z"
categorystring or nullrequired

The type of account. We return one of the following enum values:

  • CHECKING_ACCOUNT
  • CREDIT_CARD
  • INVESTMENT_ACCOUNT
  • LOAN_ACCOUNT
  • PENSION_FUND_ACCOUNT
  • SAVINGS_ACCOUNT
  • UNCATEGORIZED
  • null
Enum"CHECKING_ACCOUNT""CREDIT_CARD""INVESTMENT_ACCOUNT""LOAN_ACCOUNT""PENSION_FUND_ACCOUNT""SAVINGS_ACCOUNT""UNCATEGORIZED"null
Example: "CHECKING_ACCOUNT"
balance_typestring or nullrequired

Indicates whether this account is either an ASSET or a LIABILITY. You can consider the balance of an ASSET as being positive, while the balance of a LIABILITY as negative.

Example: "ASSET"
typestring or nullrequired

The account type, as designated by the institution.

Example: "Cuentas de efectivo"
namestring or nullrequired

The account name, as given by the institution.

Example: "Cuenta Perfiles- M.N. - MXN-666"
numberstring or nullrequired

The account number, as designated by the institution.

Example: "4057068115181"
balanceobjectrequired

Details regarding the current and available balances for the account.

currentnumber or null(float)required

The current balance is calculated differently according to the type of account.

  • 💰 Checking and saving accounts:

The user's account balance at the collected_at timestamp.

  • 💳 Credit cards:

The amount the user has spent in the current card billing period (see credit_data.cutting_date for information on when the current billing period finishes).

  • 🏡 Loan accounts:

The amount remaining to pay on the users's loan.

Example: 5874.13
availablenumber or null(float)

The balance that the account owner can use.

  • 💰 Checking and saving accounts:

The available balance may be different to the current balance due to pending transactions.

  • 💳 Credit cards:

The credit amount the user still has available for the current period. The available balance may be different to the current balance due to pending transactions or future instalments.

  • 🏡 Loan accounts:

The present value required to pay off the loan, as provided by the institution.

Note: If the institution does not provide this value, we return null.

Example: 5621.12
currencystring or nullrequired

The currency of the account. For example:

  • 🇧🇷 BRL (Brazilian Real)
  • 🇨🇴 COP (Colombian Peso)
  • 🇲🇽 MXN (Mexican Peso)

Please note that other currencies other than in the list above may be returned.

Example: "MXN"
public_identification_namestring or nullrequired

The public name for the type of identification. For example: "CLABE".

ℹ️ For 🇧🇷 Brazilian savings and checking accounts, this field will be AGENCY/ACCOUNT.

Example: "CLABE"
public_identification_valuestring or nullrequired

The value for the public_identification_name.

ℹ️ For 🇧🇷 Brazilian savings and checking accounts, this field will be the agency and bank account number, separated by a slash. For example: 0444/45722-0.

Example: "150194683119900273"
last_accessed_atstring or null(date-time)required

The ISO-8601 timestamp of Belvo's most recent successful access to the institution for the given link.

Example: "2021-03-09T10:28:40.000Z"
credit_dataobject or nullrequired

The credit options associated with this account.

credit_limitnumber or null(float)required

The maximum amount of credit the owner can receive.

Example: 192000
collected_atstring(date-time)required

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

Example: "2022-02-09T08:45:50.406032Z"
cutting_datestring or nullrequired

The closing date of the credit period, in YYYY-MM-DD format.

Example: "2019-12-11"
next_payment_datestringrequired

The due date for the next payment , in YYYY-MM-DD format.

Example: "2019-12-13"
minimum_paymentnumber or null(float)required

The minimum amount to be paid on the next_payment_date.

Example: 2400.3
no_interest_paymentnumber or null(float)required

The minimum amount required to pay to avoid generating interest.

Example: 2690.83
interest_ratenumber or null(float)required

The annualized interest rate of the credit.

Example: 4
monthly_paymentnumber or nullDeprecated

This field has been deprecated. For more information regarding Belvo and deprecation, see our Deprecated fields explanation.

The recurrent monthly payment, if applicable.

Example: null
last_payment_datestring or nullDeprecated

This field has been deprecated. For more information regarding Belvo and deprecation, see our Deprecated fields explanation.

The date when the last credit payment was made, in YYYY-MM-DD format.

Example: null
last_period_balancestring or nullDeprecated

This field has been deprecated. For more information regarding Belvo and deprecation, see our Deprecated fields explanation.

The balance remaining after the last_payment_date.

Example: null
loan_dataobject or nullrequired

The loan options associated with this account.

collected_atstring(date-time)required

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

Example: "2022-02-09T08:45:50.406032Z"
contract_amountnumber or null(float)

The initial total loan amount, calculated by the institution, when the contract was signed. This amount includes the principal + interest + taxes + fees.

Example: 202000
principalnumber or null(float)required

Total amount of the loan (the amount the user receives).

Example: 192000
loan_typestring or null

The type of the loan, according to the institution.

Example: "Consignado"
payment_daystring or null

The day of the month by which the owner needs to pay the loan (DD).

Example: "27"
outstanding_principalnumber or null(float)

Outstanding loan amount, that is, how much remains to pay on the principal (not including interest).

Example: 142023
outstanding_balancenumber or null(float)required

The amount remaining to pay in total, including interest.

Example: 182000
monthly_paymentnumber or null(float)required

The recurrent monthly payment, if applicable.

Example: 1000
interest_ratesArray of objects or nullrequired

Breakdown of the interest applied to the loan.

namestring or nullrequired

The name of the type of interest rate applied to the loan.

Example: "jurosEfetivo"
typestring or nullrequired

The period that the interest is applied to the loan. We return one of the following values:

  • MONTHLY
  • YEARLY
Enum"MONTHLY""YEARLY"
Example: "MONTHLY"
valuenumber or null(float)required

The interest rate (in percent or currency value).

Example: 7.85
feesArray of objects or null or null

Breakdown of the fees applied to the loan.

number_of_installments_totalinteger or null(int32)

The total number of installments required to pay the loan.

Example: 60
number_of_installments_outstandinginteger or null(int32)

The number of installments left to pay.

Example: 48
contract_start_datestring or null

The date when the loan contract was signed , in YYYY-MM-DD format.

Example: "2020-03-01"
contract_end_datestring(date)

The date when the loan is expected to be completed, in YYYY-MM-DD format.

Example: "2027-10-01"
contract_numberstring or null

The contract number of the loan, as given by the institution.

Example: "890ASLDJF87SD00"
credit_limitnumber or nullDeprecated

This field has been deprecated. For more information regarding Belvo and deprecation, see our Deprecated fields explanation.

Please see principal instead.

Example: null
last_period_balancenumber or nullDeprecated

This field has been deprecated. For more information regarding Belvo and deprecation, see our Deprecated fields explanation.

Please see outstanding_balance instead.

Example: null
interest_ratenumber or nullDeprecated

This field has been deprecated. For more information regarding Belvo and deprecation, see our Deprecated fields explanation.

Please see the interest_rates object instead.

Example: null
limit_daystring or nullDeprecated

This field has been deprecated. For more information regarding Belvo and deprecation, see our Deprecated fields explanation.

Please see payment_day instead.

Example: null
cutting_daystring or nullDeprecated

This field has been deprecated. For more information regarding Belvo and deprecation, see our Deprecated fields explanation.

The closing day of the month for the loan.

Example: null
cutting_datestring or nullDeprecated

This field has been deprecated. For more information regarding Belvo and deprecation, see our Deprecated fields explanation.

The closing date of the loan period, in YYYY-MM-DD format.

Example: null
last_payment_datestring or nullDeprecated

This field has been deprecated. For more information regarding Belvo and deprecation, see our Deprecated fields explanation.

The date when the last loan payment was made, in YYYY-MM-DD format.

next_payment_datestring or nullDeprecated

This field has been deprecated. For more information regarding Belvo and deprecation, see our Deprecated fields explanation.

Please use payment_day instead, in YYYY-MM-DD format.

Example: null
no_interest_paymentnumber or nullDeprecated

This field has been deprecated. For more information regarding Belvo and deprecation, see our Deprecated fields explanation.

The minimum amount required to pay to avoid generating interest.

Example: null
funds_dataArray of objects or null

One or more funds that contribute to the the pension account.

bank_product_idstring or nullDeprecated

This field has been deprecated. For more information regarding Belvo and deprecation, see our Deprecated fields explanation.

The institution's product ID for the account type.

Example: null
internal_identificationstring or nullDeprecated

This field has been deprecated. For more information regarding Belvo and deprecation, see our Deprecated fields explanation.

The institution's internal identification for the account.

Example: null
namestring or nullrequired

The name for the recurring expense.

ℹ️ Note: This information is taken from the description section of a transaction and then normalized to provide you with an easy-to-read name. As such, sometimes the name will reflect the merchant the payment is made to (for example, Netflix.com), while for other recurring expenses, this could be something like "Monthly payment to John".

Default null
Example: "Netflix"
transactionsArray of objects or nullrequired

An array of minified transaction objects used to evaluate the recurring expense. If no transactions were found, we return an empty array.

amountnumber(float)required

The transaction amount.

Example: 2145.45
descriptionstring or nullrequired

The description of the transaction provided by the institution. Usually, this is the text that the end user would see in the bank statement. The description can be an empty string.

Note: For EYOD Risk Insights, the description is the one that you provided in the initial request.

Example: "Netflix.com/march"
value_datestring(date)required

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

Example: "2019-10-23"
frequencystringrequired

The frequency at which this recurring expense occurs.

ℹ️ Note: Belvo only identifies MONTHLY frequencies.

Default "MONTHLY"
Value"MONTHLY"
Example: "MONTHLY"
average_transaction_amountnumber(float)required

The average transaction amount of the recurring expense.

Example: 32.9
median_transaction_amountnumber(float)required

The median transaction amount of the recurring expense.

Example: 32.9
days_since_last_transactioninteger(int32)required

Number of days since the last recurring expense occurred.

Based on the frequency, you can infer how many days until the next charge will occur.

Example: 5
categorystringrequired

The transaction category for the recurring expense. For more information on the available categories, please see our Transaction categorization documentation.

  • Online Platforms & Leisure (Netflix, Spotify, Gym Memberships)
  • Bills & Utilities (electricity, telephone, internet)
  • Credits & Loans (credit card cash advances, student loan, watercraft lease)
  • Insurance (home, car, and health & life insurance)
  • Transport & Travel (Uber trip, airbnb, parking)
  • Taxes (service fee, donation, court taxes)
Enum"Bills & Utilities""Credits & Loans""Insurance""Online Platforms & Leisure""Transport & Travel""Taxes"
Example: "Online Platforms & Leisure"
payment_typestring or nullrequired

The type of recurring expense. We return one of the following values:

  • SUBSCRIPTION
  • REGULAR
Enum"SUBSCRIPTION""REGULAR"
Example: "SUBSCRIPTION"
{
  "id": "0d3ffb69-f83b-456e-ad8e-208d0998d71d",
  "account": {
    "id": "0d3ffb69-f83b-456e-ad8e-208d0998d71d",
    "link": "30cb4806-6e00-48a4-91c9-ca55968576c8",
    "institution": { … },
    "collected_at": "2022-02-09T08:45:50.406032Z",
    "created_at": "2022-02-09T08:45:50.406032Z",
    "category": "CHECKING_ACCOUNT",
    "balance_type": "ASSET",
    "type": "Cuentas de efectivo",
    "name": "Cuenta Perfiles- M.N. - MXN-666",
    "number": "4057068115181",
    "balance": { … },
    "currency": "MXN",
    "public_identification_name": "CLABE",
    "public_identification_value": "150194683119900273",
    "last_accessed_at": "2021-03-09T10:28:40.000Z",
    "credit_data": { … },
    "loan_data": { … },
    "funds_data": [ … ],
    "bank_product_id": null,
    "internal_identification": null
  },
  "name": "Netflix",
  "transactions": [
    { … }
  ],
  "frequency": "MONTHLY",
  "average_transaction_amount": 32.9,
  "median_transaction_amount": 32.9,
  "days_since_last_transaction": 5,
  "category": "Online Platforms & Leisure",
  "payment_type": "SUBSCRIPTION"
}

List recurring expenses

Request

▶️ Usage

With the List Recurring Expenses method, you can:

  1. List recurring expenses related to a specific link.id (using the link query parameter).
  2. Get the details of a specific recurring-expense.id (using the id query parameter).
  3. [Not Recommended] List all recurring expenses related to your Belvo account (without using any query parameters).

📖 Pagination

This method returns a paginated response (default: 100 items per page). You can use the page_size query parameter to increase the number of items returned to a maximum of 1000 items. You can use the page query parameter to navigate through the results. For more details on how to navigate Belvo's paginated responses, see our Pagination Tips article.

🔦 Filtering Responses

Please see the query list below for a list of fields that you can filter your responses by. For more information on how to use filters, see our Filtering responses article.

Query
linkstring(uuid)

The link.id you want to filter by.

ℹ️ We highly recommend adding the link.id filter in order to improve your performance.

Example: link=8848bd0c-9c7e-4f53-a732-ec896b11d4c4
page_sizeinteger(int32)[ 1 .. 1000 ]

Indicates how many results to return per page. By default we return 100 results per page.

ℹ️ The minimum number of results returned per page is 1 and the maximum is 1000. If you enter a value greater than 1000, our API will default to the maximum value (1000).

Default 100
Example: page_size=100
pageinteger(int32)>= 1

A page number within the paginated result set.

Example: page=1
omitstring

Omit certain fields from being returned in the response. For more information, see our Filtering responses DevPortal article.

fieldsstring

Return only the specified fields in the response. For more information, see our Filtering responses DevPortal article.

link__inArray of strings(uuid)

Return results only for these link.ids.

Example: link__in=5722d0ba-69d7-42dc-8ff5-33767b83c5d6
accountstring(uuid)

The account.id you want to filter by.

ℹ️ We highly recommend adding either the link.id or the account.id filters in order to improve your performance.

Example: account=8848bd0c-9c7e-4f53-a732-ec896b11d4c4
account__inArray of strings(uuid)

Return results only for these account.ids.

Example: account__in=85b77707-90ef-46fd-9059-5a757f24247a
idstring(uuid)

Return information only for this resource id.

Example: id=24ccab1d-3a86-4136-a6eb-e04bf52b356f
id__inArray of strings(uuid)

Return information for these resource ids.

Example: id__in=6b3dea0f-be29-49d1-aabe-1a6d588642e6
curl -i -X GET \
  -u <username>:<password> \
  'https://developers.belvo.com/_mock/apis/belvoopenapispec/api/recurring-expenses/?account=8848bd0c-9c7e-4f53-a732-ec896b11d4c4&account__in=85b77707-90ef-46fd-9059-5a757f24247a&fields=string&id=24ccab1d-3a86-4136-a6eb-e04bf52b356f&id__in=6b3dea0f-be29-49d1-aabe-1a6d588642e6&link=8848bd0c-9c7e-4f53-a732-ec896b11d4c4&link__in=5722d0ba-69d7-42dc-8ff5-33767b83c5d6&omit=string&page=1&page_size=100'

Responses

Ok

Bodyapplication/json
countinteger(int32)

The total number of results in your Belvo account.

Example: 130
nextstring or null(uri)

The URL to next page of results. Each page consists of up to 100 items. If there are not enough results for an additional page, the value is null.

In our documentation example, we use {endpoint} as a placeholder value. In production, this value will be replaced by the actual endpoint you are currently using (for example, accounts or owners).

Example: "https://sandbox.belvo.com/api/{endpoint}/?link=1bd948f7-245d-4313-b604-34d1044cb908page=2"
previousstring or null(uri)

The URL to the previous page of results. If there is no previous page, the value is null.

Example: null
resultsArray of objects

Array of recurring expense objects.

Response
application/json
{
  "count": 130,
  "next": "https://sandbox.belvo.com/api/{endpoint}/?link=1bd948f7-245d-4313-b604-34d1044cb908page=2",
  "previous": null,
  "results": [
    { … }
  ]
}

Retrieve recurring expenses for a link

Request

Retrieve recurring expense insights for checking and savings accounts from a specific link. You can receive insights for a period of up to 365 days, depending on the transaction history available for each institution.

Query
omitstring

Omit certain fields from being returned in the response. For more information, see our Filtering responses DevPortal article.

fieldsstring

Return only the specified fields in the response. For more information, see our Filtering responses DevPortal article.

Bodyapplication/jsonrequired
linkstring(uuid)required

The link.id you want to retrieve information for.

Example: "c81a1dea-6dd6-4999-8b9f-541ee8197058"
tokenstring

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

Example: "1234ab"
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.

Default true
Example: true
date_fromstring(date)= 10 characters^\d{4}-\d{2}-\d{2}$

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.

Example: "2020-08-05"
date_tostring(date)= 10 characters^\d{4}-\d{2}-\d{2}$

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).

Example: "2020-10-05"
curl -i -X POST \
  -u <username>:<password> \
  'https://developers.belvo.com/_mock/apis/belvoopenapispec/api/recurring-expenses/?fields=string&omit=string' \
  -H 'Content-Type: application/json' \
  -d '{
    "link": "c81a1dea-6dd6-4999-8b9f-541ee8197058",
    "token": "1234ab",
    "save_data": true,
    "date_from": "2020-08-05",
    "date_to": "2020-10-05"
  }'

Responses

Ok (when save_data=false)

Bodyapplication/jsonArray [
idstring(uuid)

Belvo's unique identifier for the current item.

Example: "0d3ffb69-f83b-456e-ad8e-208d0998d71d"
accountobject or nullrequired

Details regarding the account.

Note: For our recurring expenses resource, this account relates to the account that was analyzed to generate the recurring expenses report.

idstring(uuid)

Belvo's unique identifier for the current item.

Example: "0d3ffb69-f83b-456e-ad8e-208d0998d71d"
linkstring or null(uuid)

The link.id the data belongs to.

Example: "30cb4806-6e00-48a4-91c9-ca55968576c8"
institutionobject

Details regarding the institution.

collected_atstring(date-time)required

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

Example: "2022-02-09T08:45:50.406032Z"
created_atstring(date-time)

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

Example: "2022-02-09T08:45:50.406032Z"
categorystring or nullrequired

The type of account. We return one of the following enum values:

  • CHECKING_ACCOUNT
  • CREDIT_CARD
  • INVESTMENT_ACCOUNT
  • LOAN_ACCOUNT
  • PENSION_FUND_ACCOUNT
  • SAVINGS_ACCOUNT
  • UNCATEGORIZED
  • null
Enum"CHECKING_ACCOUNT""CREDIT_CARD""INVESTMENT_ACCOUNT""LOAN_ACCOUNT""PENSION_FUND_ACCOUNT""SAVINGS_ACCOUNT""UNCATEGORIZED"null
Example: "CHECKING_ACCOUNT"
balance_typestring or nullrequired

Indicates whether this account is either an ASSET or a LIABILITY. You can consider the balance of an ASSET as being positive, while the balance of a LIABILITY as negative.

Example: "ASSET"
typestring or nullrequired

The account type, as designated by the institution.

Example: "Cuentas de efectivo"
namestring or nullrequired

The account name, as given by the institution.

Example: "Cuenta Perfiles- M.N. - MXN-666"
numberstring or nullrequired

The account number, as designated by the institution.

Example: "4057068115181"
balanceobjectrequired

Details regarding the current and available balances for the account.

currentnumber or null(float)required

The current balance is calculated differently according to the type of account.

  • 💰 Checking and saving accounts:

The user's account balance at the collected_at timestamp.

  • 💳 Credit cards:

The amount the user has spent in the current card billing period (see credit_data.cutting_date for information on when the current billing period finishes).

  • 🏡 Loan accounts:

The amount remaining to pay on the users's loan.

Example: 5874.13
availablenumber or null(float)

The balance that the account owner can use.

  • 💰 Checking and saving accounts:

The available balance may be different to the current balance due to pending transactions.

  • 💳 Credit cards:

The credit amount the user still has available for the current period. The available balance may be different to the current balance due to pending transactions or future instalments.

  • 🏡 Loan accounts:

The present value required to pay off the loan, as provided by the institution.

Note: If the institution does not provide this value, we return null.

Example: 5621.12
currencystring or nullrequired

The currency of the account. For example:

  • 🇧🇷 BRL (Brazilian Real)
  • 🇨🇴 COP (Colombian Peso)
  • 🇲🇽 MXN (Mexican Peso)

Please note that other currencies other than in the list above may be returned.

Example: "MXN"
public_identification_namestring or nullrequired

The public name for the type of identification. For example: "CLABE".

ℹ️ For 🇧🇷 Brazilian savings and checking accounts, this field will be AGENCY/ACCOUNT.

Example: "CLABE"
public_identification_valuestring or nullrequired

The value for the public_identification_name.

ℹ️ For 🇧🇷 Brazilian savings and checking accounts, this field will be the agency and bank account number, separated by a slash. For example: 0444/45722-0.

Example: "150194683119900273"
last_accessed_atstring or null(date-time)required

The ISO-8601 timestamp of Belvo's most recent successful access to the institution for the given link.

Example: "2021-03-09T10:28:40.000Z"
credit_dataobject or nullrequired

The credit options associated with this account.

credit_limitnumber or null(float)required

The maximum amount of credit the owner can receive.

Example: 192000
collected_atstring(date-time)required

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

Example: "2022-02-09T08:45:50.406032Z"
cutting_datestring or nullrequired

The closing date of the credit period, in YYYY-MM-DD format.

Example: "2019-12-11"
next_payment_datestringrequired

The due date for the next payment , in YYYY-MM-DD format.

Example: "2019-12-13"
minimum_paymentnumber or null(float)required

The minimum amount to be paid on the next_payment_date.

Example: 2400.3
no_interest_paymentnumber or null(float)required

The minimum amount required to pay to avoid generating interest.

Example: 2690.83
interest_ratenumber or null(float)required

The annualized interest rate of the credit.

Example: 4
monthly_paymentnumber or nullDeprecated

This field has been deprecated. For more information regarding Belvo and deprecation, see our Deprecated fields explanation.

The recurrent monthly payment, if applicable.

Example: null
last_payment_datestring or nullDeprecated

This field has been deprecated. For more information regarding Belvo and deprecation, see our Deprecated fields explanation.

The date when the last credit payment was made, in YYYY-MM-DD format.

Example: null
last_period_balancestring or nullDeprecated

This field has been deprecated. For more information regarding Belvo and deprecation, see our Deprecated fields explanation.

The balance remaining after the last_payment_date.

Example: null
loan_dataobject or nullrequired

The loan options associated with this account.

collected_atstring(date-time)required

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

Example: "2022-02-09T08:45:50.406032Z"
contract_amountnumber or null(float)

The initial total loan amount, calculated by the institution, when the contract was signed. This amount includes the principal + interest + taxes + fees.

Example: 202000
principalnumber or null(float)required

Total amount of the loan (the amount the user receives).

Example: 192000
loan_typestring or null

The type of the loan, according to the institution.

Example: "Consignado"
payment_daystring or null

The day of the month by which the owner needs to pay the loan (DD).

Example: "27"
outstanding_principalnumber or null(float)

Outstanding loan amount, that is, how much remains to pay on the principal (not including interest).

Example: 142023
outstanding_balancenumber or null(float)required

The amount remaining to pay in total, including interest.

Example: 182000
monthly_paymentnumber or null(float)required

The recurrent monthly payment, if applicable.

Example: 1000
interest_ratesArray of objects or nullrequired

Breakdown of the interest applied to the loan.

namestring or nullrequired

The name of the type of interest rate applied to the loan.

Example: "jurosEfetivo"
typestring or nullrequired

The period that the interest is applied to the loan. We return one of the following values:

  • MONTHLY
  • YEARLY
Enum"MONTHLY""YEARLY"
Example: "MONTHLY"
valuenumber or null(float)required

The interest rate (in percent or currency value).

Example: 7.85
feesArray of objects or null or null

Breakdown of the fees applied to the loan.

number_of_installments_totalinteger or null(int32)

The total number of installments required to pay the loan.

Example: 60
number_of_installments_outstandinginteger or null(int32)

The number of installments left to pay.

Example: 48
contract_start_datestring or null

The date when the loan contract was signed , in YYYY-MM-DD format.

Example: "2020-03-01"
contract_end_datestring(date)

The date when the loan is expected to be completed, in YYYY-MM-DD format.

Example: "2027-10-01"
contract_numberstring or null

The contract number of the loan, as given by the institution.

Example: "890ASLDJF87SD00"
credit_limitnumber or nullDeprecated

This field has been deprecated. For more information regarding Belvo and deprecation, see our Deprecated fields explanation.

Please see principal instead.

Example: null
last_period_balancenumber or nullDeprecated

This field has been deprecated. For more information regarding Belvo and deprecation, see our Deprecated fields explanation.

Please see outstanding_balance instead.

Example: null
interest_ratenumber or nullDeprecated

This field has been deprecated. For more information regarding Belvo and deprecation, see our Deprecated fields explanation.

Please see the interest_rates object instead.

Example: null
limit_daystring or nullDeprecated

This field has been deprecated. For more information regarding Belvo and deprecation, see our Deprecated fields explanation.

Please see payment_day instead.

Example: null
cutting_daystring or nullDeprecated

This field has been deprecated. For more information regarding Belvo and deprecation, see our Deprecated fields explanation.

The closing day of the month for the loan.

Example: null
cutting_datestring or nullDeprecated

This field has been deprecated. For more information regarding Belvo and deprecation, see our Deprecated fields explanation.

The closing date of the loan period, in YYYY-MM-DD format.

Example: null
last_payment_datestring or nullDeprecated

This field has been deprecated. For more information regarding Belvo and deprecation, see our Deprecated fields explanation.

The date when the last loan payment was made, in YYYY-MM-DD format.

next_payment_datestring or nullDeprecated

This field has been deprecated. For more information regarding Belvo and deprecation, see our Deprecated fields explanation.

Please use payment_day instead, in YYYY-MM-DD format.

Example: null
no_interest_paymentnumber or nullDeprecated

This field has been deprecated. For more information regarding Belvo and deprecation, see our Deprecated fields explanation.

The minimum amount required to pay to avoid generating interest.

Example: null
funds_dataArray of objects or null

One or more funds that contribute to the the pension account.

bank_product_idstring or nullDeprecated

This field has been deprecated. For more information regarding Belvo and deprecation, see our Deprecated fields explanation.

The institution's product ID for the account type.

Example: null
internal_identificationstring or nullDeprecated

This field has been deprecated. For more information regarding Belvo and deprecation, see our Deprecated fields explanation.

The institution's internal identification for the account.

Example: null
namestring or nullrequired

The name for the recurring expense.

ℹ️ Note: This information is taken from the description section of a transaction and then normalized to provide you with an easy-to-read name. As such, sometimes the name will reflect the merchant the payment is made to (for example, Netflix.com), while for other recurring expenses, this could be something like "Monthly payment to John".

Default null
Example: "Netflix"
transactionsArray of objects or nullrequired

An array of minified transaction objects used to evaluate the recurring expense. If no transactions were found, we return an empty array.

amountnumber(float)required

The transaction amount.

Example: 2145.45
descriptionstring or nullrequired

The description of the transaction provided by the institution. Usually, this is the text that the end user would see in the bank statement. The description can be an empty string.

Note: For EYOD Risk Insights, the description is the one that you provided in the initial request.

Example: "Netflix.com/march"
value_datestring(date)required

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

Example: "2019-10-23"
frequencystringrequired

The frequency at which this recurring expense occurs.

ℹ️ Note: Belvo only identifies MONTHLY frequencies.

Default "MONTHLY"
Value"MONTHLY"
Example: "MONTHLY"
average_transaction_amountnumber(float)required

The average transaction amount of the recurring expense.

Example: 32.9
median_transaction_amountnumber(float)required

The median transaction amount of the recurring expense.

Example: 32.9
days_since_last_transactioninteger(int32)required

Number of days since the last recurring expense occurred.

Based on the frequency, you can infer how many days until the next charge will occur.

Example: 5
categorystringrequired

The transaction category for the recurring expense. For more information on the available categories, please see our Transaction categorization documentation.

  • Online Platforms & Leisure (Netflix, Spotify, Gym Memberships)
  • Bills & Utilities (electricity, telephone, internet)
  • Credits & Loans (credit card cash advances, student loan, watercraft lease)
  • Insurance (home, car, and health & life insurance)
  • Transport & Travel (Uber trip, airbnb, parking)
  • Taxes (service fee, donation, court taxes)
Enum"Bills & Utilities""Credits & Loans""Insurance""Online Platforms & Leisure""Transport & Travel""Taxes"
Example: "Online Platforms & Leisure"
payment_typestring or nullrequired

The type of recurring expense. We return one of the following values:

  • SUBSCRIPTION
  • REGULAR
Enum"SUBSCRIPTION""REGULAR"
Example: "SUBSCRIPTION"
]
Response
application/json
[
  {
    "id": "0d3ffb69-f83b-456e-ad8e-208d0998d71d",
    "account": { … },
    "name": "Netflix",
    "transactions": [ … ],
    "frequency": "MONTHLY",
    "average_transaction_amount": 32.9,
    "median_transaction_amount": 32.9,
    "days_since_last_transaction": 5,
    "category": "Online Platforms & Leisure",
    "payment_type": "SUBSCRIPTION"
  }
]

Risk Insights

Operations

Employment Metrics

Operations

Payment Institutions (Brazil)

A payment institution is an entity that Belvo can access information from. You can see a complete list of institutions available for payments by making a List request to this endpoint.

Operations

Customers (Brazil)

A customer is the payer that's going to push funds into your bank account. You need to create a customer in order to receive inflow payments to your organization's bank account.

Operations

Bank Accounts (Brazil)

To receive inflow payments to your organization's bank account, you must register the bank accounts (individual and business) using Belvo's Payments API.

  • Individual bank accounts must be created for each payer (your customer).
  • Business bank accounts need to be created for the beneficiary of the payment (your organization).
Operations

Payment Links (Brazil)

This is a Payment link.

Operations

Payment Intents (Brazil)

A payment intent is a single point of access to create payments using any payment method offered by Belvo.

A payment intent captures all payment information (such as the amount to be charged, the description of the payment, the provider, and so on) and guides your customers through the payment flow.

Note: For institutions that require the username_type in the form_fields array, you must send through this value in your PATCH request.

Operations

Payment Authorizations (Brazil)

A Payment Authorization is the consent that your user gives you to charge (debit money from) their accounts. You need to perform one Payment Authorization per ‘contract’ (for example, if your company does both electricity and water but they are billed separately, then you will create two separate Payment Authorizations).

Once the user confirms the authorization, you will need to listen for a a PAYMENT_AUTHORIZATION webhook with the status set to AUTHORIZED. Once you receive this webhook, the authorization process is complete, and you will be able to charge your user.

What is a charge?

A charge represents the individual payment (debit) that your customer will make.

Operations

Biometric Pix Widget Access Token (Brazil)

Use the Biometric Pix Widget Token requests to create a access token for Biometric Payments.

Operations

Payment Transactions (Brazil)

Each time you receive an inflow payment from your customer, a transaction is created in the Belvo database.

You can use the Payment Transactions resource in order to get useful information about a transaction as well as the specific charge associated with it.

Operations
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