# Developer Hub

- [Developer Hub](https://docs.montereyfinancial.com/index.md): APIs and integration guides for Monterey Financial Services clients — authenticate, explore account and borrower data, and manage payments over HTTPS.
- [Quickstart](https://docs.montereyfinancial.com/quickstart.md): Exchange an API key for an access token and list your first Monterey accounts.
- [Domain concepts](https://docs.montereyfinancial.com/api-reference/domain-concepts.md): How organizations, people, borrower roles, accounts, transactions, payment methods, and autopay schedules fit together.
- [Integration patterns](https://docs.montereyfinancial.com/api-reference/integration-patterns.md): Practical recipes for transaction sync, borrower-aware account ingestion, person enrichment, and autopay setup.
- [Card capture](https://docs.montereyfinancial.com/api-reference/card-capture.md): Create stored card payment methods through the secure proxy without sending PAN or CVC to the public API.
- [Collected payments](https://docs.montereyfinancial.com/api-reference/collected-payments.md): Record payments your organization collected outside Monterey, and reverse the ones you recorded.
- [Authentication](https://docs.montereyfinancial.com/api-reference/authentication.md): Exchange an org-scoped API key for a short-lived access token and handle authentication errors.
- [Client API](https://docs.montereyfinancial.com/api-reference/introduction.md): Versioned account, borrower, transaction, payment-method, and autopay endpoints for Monterey Financial clients.
- [Conventions](https://docs.montereyfinancial.com/api-reference/conventions.md): Versioning, dates, money, organization scoping, rate limits, pagination, and shared error shapes.
- [Mint an access token](https://docs.montereyfinancial.com/api-reference/authentication/mint-an-access-token.md): Exchange an API key prefix and plaintext secret for a 3600-second bearer token.
- [List organizations](https://docs.montereyfinancial.com/api-reference/organizations/list-organizations.md): Paginated list of organizations the calling access token is scoped to.
- [Get an organization](https://docs.montereyfinancial.com/api-reference/organizations/get-an-organization.md): Returns a single organization by ID. Returns 404 if the organization isn't reachable by this key.
- [List persons](https://docs.montereyfinancial.com/api-reference/persons/list-persons.md): Paginated list of persons (borrowers) visible to the calling access token's organization allowlist.
- [Get a person](https://docs.montereyfinancial.com/api-reference/persons/get-a-person.md): Returns an enriched person with active contact methods and current addresses. Returns 404 if the person isn't reachable by this token.
- [List a person's accounts](https://docs.montereyfinancial.com/api-reference/persons/list-a-persons-accounts.md): Returns accounts on which the person identified by `party_id` is the primary borrower or appears in AccountPartyRole, filtered to the calling access token's organization allowlist. Returns 404 if the person isn't visible to this key (out-of-scope party IDs are indistinguishable from non-existent one…
- [List accounts](https://docs.montereyfinancial.com/api-reference/accounts/list-accounts.md): Paginated list of accounts scoped to the calling access token's organization allowlist. Filter by `organization_id` (returns 403 if out of scope).
- [Get an account by external ID](https://docs.montereyfinancial.com/api-reference/accounts/get-an-account-by-external-id.md): Returns an account by its source loan-management account identifier. Pass `organization_id` to disambiguate identifiers reused across organizations. Returns 404 if no matching account is reachable by this key and 409 when multiple visible accounts match.
- [Get an account by external contract ID](https://docs.montereyfinancial.com/api-reference/accounts/get-an-account-by-external-contract-id.md): Returns an account by its client-supplied contract ID. Pass `organization_id` to disambiguate contract IDs reused across organizations. Returns 404 if no matching account is reachable by this key and 409 when multiple visible accounts match.
- [Get an account](https://docs.montereyfinancial.com/api-reference/accounts/get-an-account.md): Richer per-account snapshot than GET /v1/accounts. Includes restored balance fields, audit timestamps, additional payment terms, plus a nested `contract` block and a unified `borrowers` list carrying roles and primary-borrower identity. Returns 404 if the account isn't in the calling access token's…
- [List account transactions](https://docs.montereyfinancial.com/api-reference/accounts/list-account-transactions.md): Paginated list of transactions for a single account. Optionally filter with inclusive `from` and `to` dates. Omit both `from` and `to` to return the full history; results place null-dated transactions after dated transactions. Supplying either bound excludes null-dated transactions. Returns 404 if t…
- [List transactions](https://docs.montereyfinancial.com/api-reference/transactions/list-transactions.md): Paginated list of transactions scoped to the calling access token's organization allowlist. Optionally filter with inclusive `from` and `to` dates or by `organization_id`. Omit both `from` and `to` to return the full history; results place null-dated transactions after dated transactions. Supplying…
- [List payment methods](https://docs.montereyfinancial.com/api-reference/payment-methods/list-payment-methods.md): Paginated list of stored payment methods belonging to borrowers visible to the calling access token. Filter to one borrower with `party_id`. Only display-safe metadata is returned — never full card or account numbers.
- [Get a payment method](https://docs.montereyfinancial.com/api-reference/payment-methods/get-a-payment-method.md): Returns a single payment method by ID. Returns 404 if it isn't reachable by this key.
- [Remove a payment method](https://docs.montereyfinancial.com/api-reference/payment-methods/remove-a-payment-method.md): Deactivates the payment method so it can no longer be attached to autopay or payments. The record remains visible (with `is_active: false`) so historical payments stay auditable. Returns 409 if an active or paused autopay schedule still uses it — cancel the schedule first. Idempotent.
- [Update a payment method](https://docs.montereyfinancial.com/api-reference/payment-methods/update-a-payment-method.md): Updates the editable display fields (`nickname`, `holder_name`). Instrument data is immutable — to change cards or bank accounts, create a new payment method and deactivate the old one. Returns 404 if the payment method isn't reachable by this key.
- [List an account's payment methods](https://docs.montereyfinancial.com/api-reference/payment-methods/list-an-accounts-payment-methods.md): Paginated list of stored payment methods belonging to the borrowers on this account — the methods eligible to be attached to autopay or payments for it. Only active methods are returned; use the top-level list to see deactivated ones. Returns 404 if the account isn't reachable by this key.
- [Create a card payment method](https://docs.montereyfinancial.com/api-reference/payment-methods/create-a-card-payment-method.md): Create a stored card payment method without sending PAN or CVC to `api.montereyfinancial.app`. Send raw card requests only to `secure-api.montereyfinancial.app`, which forwards tokenized card data through the Basis Theory inbound proxy.
- [List an account's autopay schedules](https://docs.montereyfinancial.com/api-reference/autopay/list-an-accounts-autopay-schedules.md): Paginated list of autopay schedules on this account, including paused and cancelled schedules. Returns 404 if the account isn't reachable by this key.
- [List autopay schedules](https://docs.montereyfinancial.com/api-reference/autopay/list-autopay-schedules.md): Paginated list of autopay schedules on accounts visible to the calling access token, including paused and cancelled schedules. Filter to one account with `account_id` (returns 404 if the account isn't reachable by this key).
- [Create an autopay schedule](https://docs.montereyfinancial.com/api-reference/autopay/create-an-autopay-schedule.md): Creates a recurring payment schedule for an account using a stored payment method. The first run lands on `start_date`; subsequent runs advance by `frequency_interval` × `frequency_unit`. The payment method must belong to a borrower on the account and must be active.
- [Get an autopay schedule](https://docs.montereyfinancial.com/api-reference/autopay/get-an-autopay-schedule.md): Returns a single autopay schedule by ID. Returns 404 if it isn't reachable by this key.
- [Cancel an autopay schedule](https://docs.montereyfinancial.com/api-reference/autopay/cancel-an-autopay-schedule.md): Cancels the schedule. The record remains visible (with `status: cancelled`) so payment history stays auditable; cancelled schedules cannot be reactivated. Idempotent.
- [Update an autopay schedule](https://docs.montereyfinancial.com/api-reference/autopay/update-an-autopay-schedule.md): Updates the payment method, amount, end date, or pause state of a schedule. Cadence and start date are fixed — cancel and recreate the schedule to change them. Returns 409 if the schedule has been cancelled.
- [List payments posted to an account through the API](https://docs.montereyfinancial.com/api-reference/external-payments/list-payments-posted-to-an-account-through-the-api.md): Newest first. Lists only payments posted through this API, not every payment on the account. Returns 404 if the account is not reachable by this key.
- [Post a payment collected outside Monterey](https://docs.montereyfinancial.com/api-reference/external-payments/post-a-payment-collected-outside-monterey.md): Records a payment your organization collected itself against one of its accounts. Requires an `Idempotency-Key` header; replaying the same key and body returns the original response. Returns 201 when the payment is posted and 202 when the outcome is still being confirmed (`pending_confirmation`).
- [Reverse a payment your organization posted](https://docs.montereyfinancial.com/api-reference/external-payments/reverse-a-payment-your-organization-posted.md): Reverses a payment posted through this API. Requires an `Idempotency-Key` header; replaying the same key and body returns the original response. Returns 201 when reversed and 202 when the outcome is still being confirmed (`reversal_pending`).
- [Find payments your organization posted by your own reference](https://docs.montereyfinancial.com/api-reference/external-payments/find-payments-your-organization-posted-by-your-own-reference.md): Looks up payments posted through this API by the `external_reference` you sent. A reference identifies at most one payment that may have posted; earlier attempts that definitely failed are also returned.
- [Get a payment your organization posted](https://docs.montereyfinancial.com/api-reference/external-payments/get-a-payment-your-organization-posted.md): Returns 404 for payments posted by other organizations.

## OpenAPI Specs

- [external_api.openapi](/api-reference/external_api.openapi.json)
- [external_api.openapi](/downloads/external_api.openapi.json)


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