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

Mastercard Open Finance US enables simple and secure financial data sharing for consumer and small business applications. Our API-based services can power payments, money management, and lending use cases.

Open Finance solutions in the United States are provided by Finicity, a Mastercard company.

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

Onboarding, authentication and managing projects.

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

#### 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-us/documentation/usecases/index.md)

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

#### Pay {#pay}

APIs to enable payments:

* Get [ACH details](https://developer.mastercard.com/open-finance-us/documentation/products/pay/verification-money-transfer/index.md)
* Verify [account ownership](https://developer.mastercard.com/open-finance-us/documentation/products/pay/verification-account-owner/index.md)
* Validate [account details](https://developer.mastercard.com/open-finance-us/documentation/products/pay/account-validation-assistant/index.md)
* Check [available balance](https://developer.mastercard.com/open-finance-us/documentation/products/pay/account-balance/index.md)
* Predict [payment success](https://developer.mastercard.com/open-finance-us/documentation/products/pay/psi-tools/index.md)
* Switch [deposits and bill payments](https://developer.mastercard.com/open-finance-us/documentation/products/pay/switch/index.md)

<br />

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

#### Manage {#manage}

APIs for data:

* [Account](https://developer.mastercard.com/open-finance-us/documentation/products/manage/account-aggregation/index.md) and [transaction](https://developer.mastercard.com/open-finance-us/documentation/products/manage/transaction-data/index.md) details
* [Transaction notifications](https://developer.mastercard.com/open-finance-us/documentation/products/manage/tx-push/index.md)
* [Financial statements](https://developer.mastercard.com/open-finance-us/documentation/products/manage/account-statements/index.md)
* Insights into:
  * [Transaction types](https://developer.mastercard.com/open-finance-us/documentation/products/manage/data-enrichment/index.md)
  * [Recurring transactions](https://developer.mastercard.com/open-finance-us/documentation/products/manage/recurring-transactions/index.md)
  * [Consumer spending](https://developer.mastercard.com/open-finance-us/documentation/products/manage/consumer-foresight/index.md)
  * [Loan payments](https://developer.mastercard.com/open-finance-us/documentation/products/manage/loan-payment-details/index.md)

<br />

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

#### Lend {#lend}

APIs for credit decisioning [reports](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/index.md) :

* [Transactions and statements](https://developer.mastercard.com/open-finance-us/documentation/products/lend/product-solutions/index.md#transactions-and-statements)
* [Assets and balances](https://developer.mastercard.com/open-finance-us/documentation/products/lend/product-solutions/index.md#assets-and-balances)
* [Income and employment](https://developer.mastercard.com/open-finance-us/documentation/products/lend/product-solutions/index.md#income--employment)
* [Cash flow](https://developer.mastercard.com/open-finance-us/documentation/products/lend/product-solutions/index.md#cash-flow)

<br />

Designed for use cases like personal loans, credit card issuance, auto finance and [mortgages](https://developer.mastercard.com/open-finance-us/documentation/products/lend/mortgage-implementation/index.md).

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

#### Small Business {#small-business}

APIs for small and medium business finance:

* Get [sales analytics](https://developer.mastercard.com/open-finance-us/documentation/products/small-business/sbca/index.md) for retail locations
* Support lending decisions with [payment risk insights](https://developer.mastercard.com/open-finance-us/documentation/products/small-business/payment-history/index.md)

<br />

[Learn more →](https://developer.mastercard.com/open-finance-us/documentation/products/small-business/index.md)
Tip: Not sure which product is best for your needs? Email our sales team at [OFin.contactsales@mastercard.com](mailto:OFin.contactsales@mastercard.com).

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

#### Data Connect {#data-connect}

Mastercard Data Connect enables your customers to connect their bank accounts and share data.

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

#### User Experience Design Guide {#user-experience-design-guide}

Recommended best practices for how to present the Open Finance user experience in your application.

[Learn more →](https://developer.mastercard.com/open-finance-us/documentation/experience-design-guide/index.md)

#### Webhooks {#webhooks}

Webhooks deliver real-time event notifications
for Data Connect, TxPUSH and report generation.

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

## Get Building {#get-building}

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

Full documentation for all Open Finance endpoints.

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

#### Tutorials {#tutorials}

Detailed guidance on implementing solutions for "Pay by Bank" and tenant screening.

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

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

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

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

#### Error Handling {#error-handling}

Troubleshoot issues that can arise during interactions with Open Finance services.

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

#### Test Profiles {#test-profiles}

Details of test customer profiles you can use
to validate your application.

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

#### Glossary {#glossary}

Learn about the terminology used by Mastercard Open Finance.

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

AI coding agents can use [llms-full.txt](https://developer.mastercard.com/open-finance-us/documentation/llms-full.txt) (this documentation in Markdown)
and the [OpenAPI specification](https://static.developer.mastercard.com/content/open-finance-us/swagger/openbanking-us.yaml).