Bank Transactions - Direct

Layer can connect to and ingest data from any embedded bank accounts and credit cards your platform provides to customers.

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Embedded accounts

If your platform provides an embedded bank account or credit card to your customers, you can pass this banking data to Layer as well. There are two ways to pass embedded banking activity to Layer:

• API - Pass bank and credit card transactions to Layer’s API directly.
• Layer integrations - Layer has direct connections with top embedded banking platforms. You can grant Layer access to pull your customers’ data from these platforms on your behalf. Layer currently supports: Unit and Stripe Treasury.

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Importing transactions via API

To import bank transactions to Layer, make a call to the Import Bank Transactions endpoint. This endpoint takes in the data on a bank transaction that is needed for Layer’s categorization and accounting logic.

Note that the bank_account_id field should correspond to the internal_bank_account_ids field specified when onboarding the Business as in the example below.

curl -X POST https://sandbox.layerfi.com/v1/internal-bank-transactions \
  -H "Authorization: Bearer <access_token>" \
  -H "Content-Type: application/json" \
  -d '[{
        "external_id": 2093489,
        "bank_account_id": "219384290",
        "created_at": "2023-05-15T14:13:07Z",
        "transaction_type": "Purchase",
        "direction": "Debit",
        "amount": 8026,
        "balance": 40049,
        "processed_counterparty_name": "HOME DEPOT",
        "merchant_type": 5200,
        "merchant_location": "HOUSTON, TX, US"
    }]'

The API will respond with a list of ingested Bank Transactions.

{
  "data":[
    {
      "type":"Flat_Bank_Transaction",
      "id":"0e46b2b1-56b5-4ee4-bb5e-b0b708e50b47",
      "bank_transaction_id":"2093489",
      "created_at":"2023-05-15T14:13:07Z",
      "transaction_type":"Purchase",
      "bank_account_id":"219384290",
      "business_id":"d2f6d97f-3345-4299-9ec2-468738c5d536",
      "direction":"DEBIT",
      "balance":40049,
      "amount":8026,
      "merchant_type":"5200",
      "processed_counterparty_name":"HOME DEPOT",
      "categorizationStatus":"PENDING"
    }
  ],
  "meta":{
  }
}

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Using Layer’s integrations

To leverage Layer’s embedded banking integrations with Unit and Stripe Treasury, reach out to your Layer contact.