> ## Documentation Index > Fetch the complete documentation index at: https://docs.montereyfinancial.com/llms.txt > Use this file to discover all available pages before exploring further. # List accounts > Paginated list of accounts scoped to the calling access token's organization allowlist. Filter by `organization_id` (returns 403 if out of scope). ## OpenAPI ````yaml /api-reference/external_api.openapi.json get /v1/accounts openapi: 3.1.0 info: title: Monterey Client API description: >- Org-scoped, token-authenticated account, borrower, and payment endpoints for Monterey Financial clients. version: 1.0.0 servers: - url: https://eapi.montereyfinancial.com description: Production security: - BearerToken: [] tags: - name: Authentication description: Exchange API keys for access tokens. - name: Organizations description: Organizations visible to the API key. - name: Persons description: Borrowers visible through in-scope accounts. - name: Accounts description: Servicing accounts and identifier lookups. - name: Transactions description: Account money-movement history. - name: Payment Methods description: Stored payment instruments. - name: Autopay description: Recurring payment schedules. paths: /v1/accounts: get: tags: - Accounts summary: List accounts description: >- Paginated list of accounts scoped to the calling access token's organization allowlist. Filter by `organization_id` (returns 403 if out of scope). operationId: list_accounts_v1_accounts_get parameters: - name: organization_id in: query required: false schema: anyOf: - type: string - type: 'null' title: Organization Id - name: cursor in: query required: false schema: anyOf: - type: string - type: 'null' description: >- Opaque pagination cursor from a previous response's `page.next_cursor`. Omit on the first page. title: Cursor description: >- Opaque pagination cursor from a previous response's `page.next_cursor`. Omit on the first page. - name: limit in: query required: false schema: anyOf: - type: integer maximum: 1000 minimum: 1 - type: 'null' description: >- Page size for cursor pagination. Default 100, minimum 1, maximum 1000. Requests above the maximum return 422 — narrow your page size and use the returned `next_cursor` to walk additional pages. title: Limit description: >- Page size for cursor pagination. Default 100, minimum 1, maximum 1000. Requests above the maximum return 422 — narrow your page size and use the returned `next_cursor` to walk additional pages. responses: '200': description: Successful Response content: application/json: schema: $ref: '#/components/schemas/Page_AccountRow_' '400': description: The `cursor` is malformed or was tampered with (`invalid_cursor`). content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' '401': description: Missing or invalid access token. '403': description: >- Authenticated token lacks the required scope (`insufficient_scope`) or the supplied `organization_id` is outside the access token's allowlist (`organization_out_of_scope`). content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' '404': description: Resource not in scope or does not exist. '422': description: Validation Error content: application/json: schema: $ref: '#/components/schemas/HTTPValidationError' security: - BearerToken: [] components: schemas: Page_AccountRow_: properties: items: items: $ref: '#/components/schemas/AccountRow' type: array title: Items page: $ref: '#/components/schemas/PageMeta' type: object required: - items - page title: Page[AccountRow] description: 'A page of results: `items` plus a `page` pagination envelope.' ErrorResponse: properties: detail: $ref: '#/components/schemas/ErrorBody' type: object required: - detail title: ErrorResponse description: Standard error envelope. Branch on `detail.error_code`. HTTPValidationError: properties: detail: items: $ref: '#/components/schemas/ValidationError' type: array title: Detail type: object title: HTTPValidationError description: >- Parameter-validation error (HTTP 422). `detail` lists each violated constraint with its location, message, and type. AccountRow: properties: id: type: string title: Id organization_id: type: string title: Organization Id description: The organization the account belongs to. contract_id: type: string title: Contract Id external_id: anyOf: - type: string - type: 'null' title: External Id description: Source loan-management account identifier. external_contract_id: anyOf: - type: string - type: 'null' title: External Contract Id description: Client-supplied contract identifier. status_code: anyOf: - type: string - type: 'null' title: Status Code description: Current account status code. current_balance_cents: anyOf: - type: integer - type: 'null' title: Current Balance Cents description: Current outstanding balance in cents. past_due_amount_cents: anyOf: - type: integer - type: 'null' title: Past Due Amount Cents description: Amount currently past due in cents. payoff_amount_cents: anyOf: - type: integer - type: 'null' title: Payoff Amount Cents description: Current payoff amount in cents. payment_amount_cents: anyOf: - type: integer - type: 'null' title: Payment Amount Cents description: Scheduled payment amount in cents. payment_frequency: anyOf: - type: string - type: 'null' title: Payment Frequency description: Scheduled payment cadence. last_payment_at: anyOf: - type: string format: date - type: 'null' title: Last Payment At description: Date of the most recent payment. next_payment_due_at: anyOf: - type: string format: date - type: 'null' title: Next Payment Due At description: Next scheduled payment due date. payments_made: anyOf: - type: integer - type: 'null' title: Payments Made interest_rate_bps: anyOf: - type: integer - type: 'null' title: Interest Rate Bps description: Annual interest rate in basis points. apr_bps: anyOf: - type: integer - type: 'null' title: Apr Bps description: Annual percentage rate in basis points. interest_start_at: anyOf: - type: string format: date - type: 'null' title: Interest Start At days_past_due_30: anyOf: - type: integer - type: 'null' title: Days Past Due 30 description: Days in the 1-30 day delinquency bucket. days_past_due_60: anyOf: - type: integer - type: 'null' title: Days Past Due 60 description: Days in the 31-60 day delinquency bucket. days_past_due_90: anyOf: - type: integer - type: 'null' title: Days Past Due 90 description: Days in the 61-90 day delinquency bucket. nsf_count: anyOf: - type: integer - type: 'null' title: Nsf Count description: Number of non-sufficient-funds events. opened_at: anyOf: - type: string format: date - type: 'null' title: Opened At description: Date the account opened. closed_at: anyOf: - type: string format: date - type: 'null' title: Closed At description: Date the account closed, when applicable. borrowers: items: $ref: '#/components/schemas/AccountBorrower' type: array title: Borrowers description: Active borrower parties, with the primary borrower first. type: object required: - id - organization_id - contract_id title: AccountRow description: Thin account-list shape with role-carrying borrowers. PageMeta: properties: next_cursor: anyOf: - type: string - type: 'null' title: Next Cursor description: Opaque token to pass as ?cursor= to fetch the next page. has_more: type: boolean title: Has More description: True if more rows exist past this page. limit: type: integer title: Limit description: Echo of the resolved page size. type: object required: - has_more - limit title: PageMeta description: >- Pagination envelope on list responses. `next_cursor` is non-null when more rows exist — pass it back as `cursor` to continue. ErrorBody: properties: error_code: type: string title: Error Code type: object required: - error_code title: ErrorBody description: Standard error body. Branch on `error_code`. ValidationError: properties: loc: items: anyOf: - type: string - type: integer type: array title: Location msg: type: string title: Message type: type: string title: Error Type input: title: Input ctx: type: object title: Context type: object required: - loc - msg - type title: ValidationError description: >- A single parameter-validation failure: `loc` is the path to the offending input, `msg` is human-readable, and `type` is the rule that failed. AccountBorrower: properties: party_id: type: string title: Party Id description: The borrower's unique party ID. display_name: type: string title: Display Name description: The borrower's display name. role: type: string title: Role description: >- Open role string. Known values include primary, borrower, co_borrower, and co_signer. is_primary: type: boolean title: Is Primary description: Whether this party is the account's primary borrower. type: object required: - party_id - display_name - role - is_primary title: AccountBorrower description: One borrower relationship in an account list response. securitySchemes: BearerToken: type: http description: Short-lived access token minted by POST /v1/oauth/token. scheme: bearer bearerFormat: JWT ```` This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.