# Mastercard Open Finance Australia
source: https://developer.mastercard.com/open-finance-au/documentation/index.md

Mastercard Open Finance Australia enables you to leverage a data infrastructure compliant with Consumer Data Right (CDR) regulation for use cases like payment enablement, personal finance management and lending.

Explore our documentation to understand how to connect your customers' financial data using Mastercard Open Finance.

#### API Basics {#api-basics}

Onboarding, authentication, and managing projects.

[Learn more →](https://developer.mastercard.com/open-finance-au/documentation/onboarding/index.md)

#### Quick Start Guide {#quick-start-guide}

Learn key concepts and send your first API request.

[Learn more →](https://developer.mastercard.com/open-finance-au/documentation/quick-start-guide/index.md)

#### API Reference {#api-reference}

Full documentation for all Open Finance endpoints.

[Learn more →](https://developer.mastercard.com/open-finance-au/documentation/api-reference/index.md)

## Open Finance Products {#open-finance-products}

#### Verification {#verification}

* [Verification of Income](https://developer.mastercard.com/open-finance-au/documentation/products/voi/index.md) - get a report that ranks a customer's income streams.
* [Verification of Assets](https://developer.mastercard.com/open-finance-au/documentation/products/voa/index.md) - retrieve up to 6 months of a customer's transaction history.

#### Cash Flow and Transactions {#cash-flow-and-transactions}

* [Cash Flow](https://developer.mastercard.com/open-finance-au/documentation/products/cash-flow-report/index.md) - get a report that analyses a customer's credit and debit cash flow.
* [Transaction Aggregation](https://developer.mastercard.com/open-finance-au/documentation/products/transaction-agg/index.md) - get nightly aggregations of a customer's financial transactions.

#### Accounts {#accounts}

* Get [Money Transfer Details](https://developer.mastercard.com/open-finance-au/documentation/products/money-transfer-details/index.md) for account opening or payment initiation.
* Get [Account History](https://developer.mastercard.com/open-finance-au/documentation/products/transaction-agg/index.md#load-historic-transactions), [Account Balance](https://developer.mastercard.com/open-finance-au/documentation/products/account-balance/index.md) or [Account Owner](https://developer.mastercard.com/open-finance-au/documentation/products/verification-account-owner/index.md) details.
Tip: Not sure which product is best for your needs? Email our sales team at [OFin.contactsales@mastercard.com](mailto:OFin.contactsales@mastercard.com) for help.

## Open Finance Technologies {#open-finance-technologies}

#### Connect {#connect}

Connect enables your customers to authorize account data sharing.

[Learn more →](https://developer.mastercard.com/open-finance-au/documentation/connect/index.md)

#### Consent APIs {#consent-apis}

APIs for consent creation, amendment and management.

[Learn more →](https://developer.mastercard.com/open-finance-au/documentation/consent/consent-apis/index.md)

#### Webhook Notifications {#webhook-notifications}

Get real-time webhook notifications about consent,
Connect and reports.

[Learn more →](https://developer.mastercard.com/open-finance-au/documentation/webhook-reference/index.md)

## Get Building {#get-building}

#### Use Cases {#use-cases}

High-level descriptions of how you can use Open Finance APIs for common scenarios.

[Learn more →](https://developer.mastercard.com/open-finance-au/documentation/usecases/index.md)

#### Reference App {#reference-app}

A sample application built in ReactJS to help you explore the Open Finance APIs and the Connect application.

[Learn more →](https://developer.mastercard.com/open-finance-au/documentation/reference-app/index.md)

#### Test the APIs {#test-the-apis}

Details of test consumer and business profiles you can use
to validate your application.

[Learn more →](https://developer.mastercard.com/open-finance-au/documentation/integration-and-testing/test-the-apis/index.md)

## Security and Compliance {#security-and-compliance}

We help ensure that consumer data is kept secure, and we support our partners to establish and maintain compliance with the CDR Rules and Standards.​

#### Platform Security {#platform-security}

* Complies with security requirements defined under Schedule 2 of the CDR Rules and is SOC2+ certified.

* Our platform is Active and has passed Conformance Testing required by the ACCC.

* Unrestricted Accredited Data Recipient with the ACCC.

#### Consent Management {#consent-management}

* Mastercard hosted complete consent management lifecycle -- screens and dashboards.

* White-label consent management capabilities.

* Consent and compliance monitoring program for CDR Rules changes.

[Learn more →](https://developer.mastercard.com/open-finance-au/documentation/consent/index.md)

#### CDR and Privacy Regulations {#cdr-and-privacy-regulations}

* Support to identify and implement the best CDR access model to enable your use case.

* Provide multiple access models including Outsourced Service Provider (OSP), CDR Representative, and Business Consumer Disclosure Consent models.

* Dedicated Australian CDR compliance teams - operational compliance, legal, privacy, and regulatory.

[Learn more →](https://developer.mastercard.com/open-finance-au/documentation/access-and-config/access-models/index.md)