WPCCU Mobile Banking API & Open Finance Integration

Accounting and reconciliation sync

Businesses and members need transaction and balance data in their accounting systems. We deliver an API that returns account list, balances, and transaction history with date range and optional filters. Data maps to Open Banking: structured transactions with date, amount, type, and counterparty; auth uses mobile or online banking credentials with secure session handling. Output can feed QuickBooks, Xero, or custom ERP modules.

Personal finance and aggregation dashboards

Personal-finance apps and aggregators (e.g. in the same space as Plaid or Mint) need balances and transactions from multiple institutions. Our implementation can provide balance and transaction endpoints (with member consent), returning account list and transaction list. This fits the CFPB Section 1033 data-rights model: consumer-authorized access to deposit and payment data. Fields: accounts[], balances[], transactions[] with amount, date, type, description.

Cash-flow and bill pay visibility

Treasury and cash-management tools require scheduled and completed bill payments plus transfer history. We deliver an API that returns bill pay payees, payment history, and internal/external transfers with timestamps. Use for cash-flow forecasting, duplicate-payment checks, and audit trails. No public WPCCU API exists; our protocol analysis fills the gap for authorized, compliant data extraction.

Compliance and audit reporting

Credit union members and auditors may need exportable transaction and payment data for tax or compliance. Our API returns transaction history, transfer history, and optional Zelle®/bill pay metadata (with consent), suitable for evidence of data handling and retention policies. Implementation follows minimal-data principles and supports consent records.

Member service and branch integration

CRM or member-service tools can use branch and ATM location data plus office hours. Our implementation can expose branch list and ATM locations from the app’s locator feature for routing, appointment scheduling, or self-service kiosk maps—always with public or member-authorized access only.

Auth and session (pseudo)

// Login with mobile/online banking credentials (pseudo)
POST /api/v1/wpccu/auth/login
Content-Type: application/json
{ "username": "<USER>", "password": "<PWD>" }

Response 200: { "session_token": "...", "refresh_token": "...", "accounts": [...] }
Response 401: { "error": "invalid_credentials" }
// Session refresh and MFA handling per protocol analysis

Balance and accounts (pseudo)

// Fetch account list and balances (pseudo)
GET /api/v1/wpccu/accounts
Authorization: Bearer <SESSION_TOKEN>

Response: {
  "accounts": [
    { "id": "xxx", "name": "Checking", "balance": 1234.56, "type": "checking" }
  ],
  "as_of": "2025-03-12T00:00:00Z"
}

Transaction history / statement (pseudo)

// Transaction list with date range (pseudo)
POST /api/v1/wpccu/transactions
Content-Type: application/json
Authorization: Bearer <SESSION_TOKEN>

{ "account_id": "xxx", "from_date": "2025-01-01",
  "to_date": "2025-03-12", "limit": 500 }

Response: { "transactions": [...], "next_cursor": "..." }
Error 429: rate limit; retry with backoff

Deliverables

• API specification (OpenAPI / Swagger)
• Protocol and auth flow analysis (login, session, token)
• Runnable API source code (Python / Node.js) for balances, transactions, bill pay
• Test scripts and interface documentation
• Compliance notes (NCUA, CCPA, GLBA, consent, retention)

Key integration areas

Balance and transaction sync, statement and transaction export, bill pay and transfer visibility, mobile deposit status, Zelle® activity metadata, and branch/ATM locator. We support both Android and iOS protocol analysis and deliver source code you can host and extend.

About us

We are a technical service studio specializing in app interface integration and authorized API integration. We provide protocol analysis, interface refactoring, Open Data integration, and third-party interface integration, plus automated data scripting and interface documentation. Our team has years of experience in mobile and fintech; we serve global clients with compliant, professional solutions. Services start at $300, with an option to deliver results first and pay upon satisfaction.

• Financial and banking apps: transaction records, statement queries, transaction integration
• Compliant, lawful implementations to meet local and privacy requirements
• Android and iOS; ready-to-use API source code, docs, and test plans

Contact

For inquiries, quotes, or to submit your target app and requirements, please use the link below:

Contact us

Process

1. Confirm requirements: integration scenario and interface needs (e.g. login, balances, transactions, bill pay).
2. Protocol analysis and interface design (2–5 business days, depending on complexity).
3. Development and internal validation (3–8 business days).
4. Delivery of documentation, examples, and test cases (1–2 business days).
5. Typical first delivery: 5–15 business days; complex or multi-party approval may take longer.

FAQ

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