Rakuten Card API Integration and Open Finance Services

Deliverables

• OpenAPI-compatible interface documentation (Swagger / YAML)
• Protocol analysis report (auth, session, encryption, request signing)
• Runnable backend samples (Node.js / Python / Java client) and deployment notes
• Automated test cases and Postman collections
• Compliance guidance: privacy, log retention and data minimization

Interface example: fetch transaction details (pseudo-code)

# POST /api/v1/rakuten/transactions
# Authorization: Bearer <APP_SESSION_TOKEN>
{
  'account_id': 'user123@rakuten',
  'start_date': '2025-10-01',
  'end_date': '2025-10-31',
  'type': 'CARD',
  'page': 1,
  'per_page': 100
}

Response 200 OK
{
  'status': 'OK',
  'page': 1,
  'total_pages': 2,
  'transactions': [
    {
      'id': 'RKC-20251005-0001',
      'posted_at': '2025-10-05T14:32:10+09:00',
      'amount': -9800,
      'currency': 'JPY',
      'merchant': 'BookStore Tokyo',
      'category': 'Books',
      'installments': null,
      'status': 'SETTLED'
    }
  ]
}

Deliverable modules

Sample modules: account binding, transaction sync, real-time price subscriptions, report exports (Excel/CSV), reconciliation engine, asynchronous notifications and webhook management.

Core advantages

• Runnable implementations based on protocol analysis, reducing reverse engineering effort
• Compliance-first approach with data minimization and auditable deliverables
• Supports Android / iOS cross-platform session reproduction and API extraction
• Deliver runnable SDKs, API simulators and automated test suites

Integration tips & considerations

When integrating we recommend:

1. Prefer official authorization or explicit user consent login flows and retain consent records for audit.
2. Implement short-lived access tokens with background refresh to mitigate long-term key leakage.
3. Use end-to-end encryption for sensitive data and limit logging of sensitive fields.
4. Design data processing and retention policies in line with regional regulations (e.g., GDPR, LGPD, PSD2).

API Integration Quick Guide

1. Provide target App name and functionality needs (e.g., balance sync, transactions, billing).
2. We assess required permissions and authorization flow (usually 1-3 business days).
3. Deliver REST API definitions, sample SDKs and tests; support webhook callbacks and queue processing.
4. Provide security recommendations (minimized logging, consent records, NDA optional).
5. Optionally deploy to client API gateway and provide operations support.

Demo code (Node.js quick request)

// Node.js (axios) - Example: fetch transactions
const axios = require('axios');

async function listTx(accessToken, accountId){
  const res = await axios.get(`https://api.fineco.example/v1/accounts/${accountId}/transactions`,{
    params:{from:'2025-01-01',to:'2025-12-31'},
    headers:{Authorization:`Bearer ${accessToken}`}
  });
  return res.data;
}

About us

We are a technology studio focusing on mobile app protocol analysis and open finance API integration. Our team comes from fintech, banking, and cloud-native backgrounds, delivering compliant, auditable API deliverables and source code for enterprise-scale deployments.

• Supports OpenAPI, OpenID Connect, OAuth2, PSD2-compliant processes
• Deliver SDKs, sample code, test plans and deployment guidance
• Offer NDA, compliance assessment, and data privacy recommendations
• Transparent pricing: base service starts at $300, with pay-on-delivery options

Contact us

Ready to get a quote, submit your App name and integration requirements, or arrange a technical review? Visit our contact page:

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