Zable Credit Card API & Open Finance Integration

Accounting and bookkeeping sync

SMBs and individuals use Zable for everyday spending and credit building. Our transaction export API returns purchase and payment entries with date, amount, merchant, and type so bookkeeping tools (e.g. Xero, QuickBooks) or spreadsheets can import card activity. This aligns with Open Data: structured transaction lists with consistent fields. Auth uses app credentials with secure session handling; we recommend consent records and minimal retention.

Affordability and risk dashboards

Lenders and affordability engines need a real-time view of card balance and repayment behaviour. Our implementation can expose balance, credit limit, and repayment history (with user consent), so internal dashboards or underwriting tools can assess exposure without screen scraping. Data maps to Open Banking account and transaction types: balance, limit, transactions[], repayments[]. Related players in the credit-builder space include Chime Credit Builder and Credit Karma; our API fits into multi-source aggregation.

Compliance and audit reporting

Firms that use Zable for corporate or client expenses need exportable transaction and repayment logs for FCA (UK) or CFPB (US) record-keeping. We deliver an API that returns transaction history and payment records with timestamps, suitable for audit trails. No public Zable API exists; our protocol analysis fills the gap for authorized, compliant data extraction.

Open Banking–style aggregation

Zable already uses Open Banking for eligibility and limit decisions (UK). Your aggregation service can offer a single view of Zable plus other accounts by consuming our delivered APIs: balance, transactions, and repayments. Flow: user authorizes Zable connection; your backend calls our API layer; data is normalized and stored for dashboards or PFM. Consent and revocation must follow local Open Banking and privacy rules.

Repayment reminder and autopay orchestration

Finance apps that help users avoid missed payments can use our repayment and due-date data. We can expose scheduled autopay (amount, date, linked account) and payment history so reminder or consolidation tools can show upcoming Zable payments and past behaviour. Aligns with Open Finance payment and statement use cases; implementation uses our session and payment endpoints.

Auth and session (pseudo)

// App login and session (pseudo)
POST /api/v1/zable/auth/login
Content-Type: application/json
{ "username": "<USER>", "password": "<PWD>" }

Response 200: { "session_token": "...", "refresh_token": "...", "user_id": "..." }
Response 401: { "error": "invalid_credentials" }
// Session refresh and device binding per protocol analysis

Balance and transactions (pseudo)

// Fetch balance and recent transactions (pseudo)
GET /api/v1/zable/account?user_id=xxx
Authorization: Bearer <SESSION_TOKEN>

Response: {
  "balance": 450.00, "credit_limit": 1500,
  "available": 1050.00, "currency": "USD",
  "transactions": [ { "id": "...", "date": "2025-03-10", "amount": -25.50, "merchant": "...", "type": "purchase" } ]
}

Repayment history / statement (pseudo)

// Repayment and statement (pseudo)
POST /api/v1/zable/repayments
Content-Type: application/json
Authorization: Bearer <SESSION_TOKEN>

{ "from_date": "2025-01-01", "to_date": "2025-03-12", "limit": 100 }

Response: { "repayments": [...], "autopay": { "amount": 50, "next_date": "2025-03-15" } }
Error 429: rate limit; retry with backoff

Deliverables

• API specification (OpenAPI / Swagger)
• Protocol and auth flow analysis (app login, session, token)
• Runnable API source code (Python / Node.js) for transactions, balance, repayments
• Test scripts and interface documentation
• Compliance notes (FCA, CFPB, GDPR, consent, retention)

Key integration areas

Transaction history and statement-style export, balance and credit limit sync, repayment history and autopay schedule, spend tracking and categorization, and card status. 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.

• Banking and credit card apps: transaction records, statement queries, repayment integration
• Compliant, lawful implementations to meet FCA, CFPB, 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. transactions, balance, repayments).
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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