Banking API export

[lpil]

Starling webhook method

https://developer.starlingbank.com/docs#v2-webhooks-1

They sign their payloads. Not sure how hard it will be to verify.

Would need to filter out the other misc transactions if not using a dedicated account.

Monzo webhook method

Monzo can tell us when there is a transaction:

https://docs.monzo.com/#transaction-created

How would we verify it came from Monzo? They don't sign their webhooks... Seems people are adding a secret as a query param. monzo/docs#50

Monzo polling method

Generate key from playground. Expires daily. https://developers.monzo.com/api/playground

GET /transactions?account_id=$account_id&since=2022-01-29T23:00:00Z

Here's a £1.00 payment with the reference test1234

{
  "transactions": [
    {
      "account_id": "acc_00009QOPJC8rGUzAsElwMT",
      "amount": 100,
      "amount_is_pending": false,
      "atm_fees_detailed": null,
      "attachments": null,
      "can_add_to_tab": false,
      "can_be_excluded_from_breakdown": false,
      "can_be_made_subscription": false,
      "can_match_transactions_in_categorization": false,
      "can_split_the_bill": false,
      "categories": {
        "transfers": 100
      },
      "category": "transfers",
      "counterparty": {
        "account_number": "71931989",
        "name": "Louis Pilfold",
        "sort_code": "608371",
        "user_id": "anonuser_b7267c5cb3eada99d08b95"
      },
      "created": "2022-01-31T00:21:51.81Z",
      "currency": "GBP",
      "dedupe_id": "com.monzo.fps:9200:YOPK5VEEYE845VMZ631020220131826608371:INBOUND",
      "description": "test1234",
      "fees": {},
      "id": "tx_0000AFyyELeFLTOGEo3Mp8",
      "include_in_spending": false,
      "international": null,
      "is_load": false,
      "labels": null,
      "local_amount": 100,
      "local_currency": "GBP",
      "merchant": null,
      "metadata": {
        "faster_payment": "true",
        "fps_fpid": "YOPK5VEEYE845VMZ631020220131826608371",
        "fps_payment_id": "YOPK5VEEYE845VMZ6320220131826608371",
        "insertion": "entryset_0000AFyyELGqkT7PgU7SxV",
        "notes": "test1234",
        "trn": "YOPK5VEEYE845VMZ63"
      },
      "notes": "test1234",
      "originator": false,
      "parent_account_id": "",
      "scheme": "payport_faster_payments",
      "settled": "2022-01-31T07:00:00Z",
      "updated": "2022-01-31T00:21:51.953Z",
      "user_id": ""
    }
  ]
}

See transactions.0.notes, that's the reference for the bank transfer.