# Configure the Data Connect Experience source: https://developer.mastercard.com/open-finance-us/documentation/connect/configure-connect-experience/index.md You can configure the UI and functional aspects of the Mastercard Data Connect user experience using the [Customize Connect](https://developer.mastercard.com/open-finance-us/documentation/connect/configure-connect-experience/customize-connect/index.md) feature on Client Hub. If you create a custom experience you can configure: * number of accounts and account types the user can link (account filtering) * Open Finance [product type](https://developer.mastercard.com/open-finance-us/documentation/connect/configure-connect-experience/index.md#product-types) - this changes the Connect Full UX to prompt the user to provide the correct financial data (for example, prompting them to upload a paystub) and is also required for account filtering * UI options such as branding and back/exit buttons * whether the Data Connect URL can be used once or multiple times * whether Lend reports are automatically generated
The options available depend on whether you're using Data Connect Full/Lite/Fix or sending a Data Connect email - see [Configuration Options](https://developer.mastercard.com/open-finance-us/documentation/connect/configure-connect-experience/index.md#configuration-options) on this page. Tip: If you need help with customizing the Data Connect experience, you can [contact us](https://developer.mastercard.com/open-finance-us/documentation/support/index.md) and collaborate with a sales engineer. ## Experience ID {#experience-id} Whether you configure your experience on [Customize Connect](https://developer.mastercard.com/open-finance-us/documentation/connect/configure-connect-experience/customize-connect/index.md) or with the assistance of the Mastercard support team, you will receive a unique experience ID. You can use this ID in the `experience` parameter when [generating a Data Connect URL](https://developer.mastercard.com/open-finance-us/documentation/connect/generate-2-connect-url-apis/index.md). The generated URL will then load your configured version of the Data Connect experience. You can create multiple experiences to support different use cases or scenarios within your application. For example, you might configure separate experiences for lending workflows, payment verification, or personal finance management, each with appropriate branding and settings. Note: The `experience` parameter is optional. If you do not provide an experience ID when generating a Data Connect URL, the default Mastercard Open Finance branding will be used and a standard transaction aggregation will be performed. Note: Ensure you [register your application](https://developer.mastercard.com/open-finance-us/documentation/financial-institution/oauth-connections/register-your-applications/index.md) before you request an `experience`. Your application registration is critical to map the experience to your application. ## Configuration Options {#configuration-options} The following table shows which options for configuring the Data Connect experience are available. | Name | Description | Data Connect Full | Data Connect Lite | Data Connect Fix | Data Connect Email | |--------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------|-------------------|------------------|--------------------| | Brand Color | The brand color that is used for primary buttons and the loader within Data Connect. | ✔ | ✔ | ✔ | ✔ | | Brand Logo | Display a logo in Data Connect. Format allowed: SVG files. | ✔ | | | ✔ | | Brand Icon | Display an icon on the Share data page. | ✔ | ✔ | ✔ | ✔ | | Email Logo | Display a logo in Data Connect emails sent to consumers. Format allowed: PNG files. | | | | ✔ | | Email Templates | Configure the body, subject, and button text for Data Connect emails sent to customers. | | | | ✔ | | Popular Financial Institutions | Display the most common financial institutions (up to 8 tiles) on the Bank Search page. | ✔ | | | ✔ | | Reports | The credit decisioning reports sent after a Data Connect session successfully completes. | ✔ | | | ✔ | | Single Use URL | By default, a Data Connect URL can be used multiple times. Set this to `true` if you want to prevent multiple reports from being run from one Data Connect URL or email. **Note** : The `singleUserUrl` value passed in the Generate Data Connect URL API call overrides the value set via the experience. | ✔ | ✔ | ✔ | ✔ | | Enable Fix | Enables the Data Connect Fix flow for the Data Connect application instead of requesting it through the Generate Fix Data Connect URL API endpoint. | ✔ | | | ✔ | | Disable Account Management | When enabled, the customer is unable to edit or delete the accounts they've added to Data Connect, **Tip**: Useful in Personal Finance Management use cases where account management is handled elsewhere within the application. | ✔ | | | ✔ | | Disable Account History | When enabled, the customer cannot see any of their accounts previously added in a Data Connect session. | ✔ | | | ✔ | | Account Selection Type | Specify whether the customer can select only one account (radio button), or multiple accounts (checkboxes) in a Data Connect session. **Tip**: Useful for setting up an ACH flow. | ✔ | | | ✔ | | Hide Exit Button | Hide the Exit button on all Data Connect pages. | ✔ | ✔ | ✔ | ✔ | | Hide Back Button | Hide the Back button on all Data Connect pages. | ✔ | ✔ | ✔ | ✔ | | Account Type Filtering | Allow only certain types of accounts to be shown to the customer for selection (checking accounts, savings accounts, and so on). **Note**: If you are using Data Connect Lite, you must set a product type to enable account type filtering, and ensure that if the customer selects no suitable accounts, the application handles Data Connect returning an empty array in the added event (typically this would be handled by displaying a message or screen saying no sharable accounts were found). | ✔ | ✔ | | | Note: You can set which financial institutions to display on the **Find your bank** screen in the Data Connect app. See [Institution Settings](https://developer.mastercard.com/open-finance-us/documentation/connect/connect-institutions-settings/index.md). ## Product Types {#product-types} When you configure a Data Connect experience, you set a product type that determines the financial data the customer is prompted to provide. See [Customizing Data Connect](https://developer.mastercard.com/open-finance-us/documentation/connect/configure-connect-experience/customize-connect/index.md) for [how to set a product type](https://developer.mastercard.com/open-finance-us/documentation/connect/configure-connect-experience/customize-connect/index.md#product-type). Some product types are linked to a Lend or Small Business report and can optionally generate the report when the customer completes the experience. See [the Lend documentation](https://developer.mastercard.com/open-finance-us/documentation/products/lend/generating-reports/index.md#generating-reports-using-data-connect) for details. The following product types are available: | Product Type | Description | Report | |--------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------| | ACH | Returns details for a single account, including posted balance, account number, and routing number. | | | Aggregation | Daily account aggregation with an initial 180-day transaction pull for all accounts for a single customer. | | | Balance Analytics Business CRA | Balance verification through business representative-permissioned bank account data. Generates a Balance Analytics report for CRA purposes. | Balance Analytics | | Balance Analytics Business FTC | Balance verification through business representative-permissioned bank account data. Generates a Balance Analytics report for FTC compliant purposes. | Balance Analytics | | Balance Analytics Business Non CRA | Balance verification through business representative-permissioned bank account data. Generates a Balance Analytics report for non-CRA purposes. | Balance Analytics | | Balance Analytics Personal CRA | Balance verification through customer-permissioned bank account data. Generates a Balance Analytics report for CRA purposes. | Balance Analytics | | Balance Analytics Personal Non CRA | Balance verification through customer-permissioned bank account data. Generates a Balance Analytics report for non-CRA purposes. | Balance Analytics | | Bill Pay Switch | Enables partners to switch payroll details in a mobile app. | | | Cash Flow Analytics Business CRA | Cash flow verification through business representative-permissioned bank account data. Generates a Cash Flow Analytics report for CRA purposes. | Cash Flow Analytics | | Cash Flow Analytics Business FTC | Cash flow verification through business representative-permissioned bank account data. Generates a Cash Flow Analytics report for FTC compliant purposes. | Cash Flow Analytics | | Cash Flow Analytics Business Non CRA | Cash flow verification through business representative-permissioned bank account data. Generates a Cash Flow Analytics report for non-CRA purposes. | Cash Flow Analytics | | Cash Flow Analytics Personal Non CRA | Cash flow verification through customer-permissioned bank account data. Generates a Cash Flow Analytics report for non-CRA purposes. | Cash Flow Analytics | | Cash Flow Personal | Cash flow verification through customer-permissioned bank account data. Generates a Cash Flow Analytics report. | Cash Flow Analytics | | MVS Basic | Mortgage Verification Service (MVS) basic asset, income, and employment waterfall experience. The customer connects their bank and payroll accounts. Generates a VOIE - Payroll report (if data is found) and a VOAI - Transactions report. | VOIE - Payroll, VOAI | | MVS Basic Paystub | MVS basic paystub experience. The customer connects their bank account and uploads their most recent paystub. Generates a VOIE - Paystub (with TXVerify) report and a VOAI - Transactions report. | VOIE - Paystub (with TXVerify), VOAI | | MVS Full | MVS full waterfall experience for asset, income, and employment verification through customer-permissioned transactions, payroll, and paystub data. The customer connects their bank and payroll accounts, then uploads a paystub if additional employment verification is needed. Generates a VOIE - Payroll report, a VOAI report, and a VOIE - Paystub (with TXVerify) report if required. | VOIE - Payroll, VOAI, VOIE - Paystub (with TXVerify) | | MVS IE | MVS income and employment waterfall experience. The customer connects their payroll accounts, then connects bank accounts and uploads a paystub if additional employment verification is needed. Generates a VOIE - Payroll report and a VOIE - Paystub (with TXVerify) report if required. | VOIE - Payroll, VOIE - Paystub (with TXVerify) | | MVS IE Basic | MVS income and employment basic waterfall experience. The customer connects their payroll accounts, then connects bank accounts if additional employment verification is needed. Generates a VOIE - Payroll report and a VOAI report if required. | VOIE - Payroll, VOAI | | Payment History Business CRA | Analyzes transactions to predict risk for future payments through business representative-permissioned bank account data. Generates a Payment Risk Insights report for CRA purposes. | Payment Risk Insights | | Payment History Business FTC | Analyzes transactions to predict risk for future payments through business representative-permissioned bank account data. Generates a Payment Risk Insights report for FTC compliant purposes. | Payment Risk Insights | | Payment History Business Non CRA | Analyzes transactions to predict risk for future payments through business representative-permissioned bank account data. Generates a Payment Risk Insights report for non-CRA purposes. | Payment Risk Insights | | Payroll Deposit Switch | Enables customers to connect to their payroll provider to switch their direct deposit distribution into a new or existing account at a financial institution. | | | Pre Qual Voa | Asset verification for prequalifications through customer-permissioned bank account data. Generates an Asset Prequalification report. | Asset Prequalification | | Transactions CRA | Account aggregation for multiple accounts providing a snapshot of account history for up to 6 months. Available in JSON, XML, and PDF formats. This report provides FCRA-compliant CRA coverage. | TACRA | | VOA | Asset verification through customer-permissioned bank account data. Generates a Verification of Assets (VOA) report. | VOA | | VOA History | Asset and income verification through customer-permissioned bank account data. Generates a Verification of Assets and Income (VOAI) report. | VOAI | | VOE Payroll | Employment verification through customer-permissioned payroll account data. Generates a Verification of Employment - Payroll report. | VOE - Payroll | | VOE Transactions | Employment verification through customer-permissioned bank account data. Generates a Verification of Employment - Transactions report. | VOE - Transactions | | VOI | Generates a Verification of Income (VOI) report for all accounts for a single customer. The report includes up to 24 months of transaction history (credits and deposits only). Reports are available for unlimited refresh within 60 days of the original report creation. | VOI | | VOIE Payroll | Income and employment verification through customer-permissioned payroll account data. Generates a Verification of Income and Employment - Payroll report. | VOIE - Payroll | | VOIE Paystub | Income and employment verification through paystub data. The customer uploads their paystub, which is then digitized. Generates a VOIE - Paystub report. | VOIE - Paystub | | VOIE Paystub Tx Verify | Income and employment verification through customer-permissioned transaction and paystub data. Customers connect to the bank account where they deposit their pay and upload their paystub. Generates a VOIE - Paystub (with Transaction Verify) report. | VOIE - Paystub (with TXVerify) | ## Retrieve Experience IDs {#retrieve-experience-ids} Retrieve all the relevant experiences associated with your application by calling the [Retrieve Experience](https://developer.mastercard.com/open-finance-us/documentation/api-reference/index.md#GetAllExperience) endpoint. This endpoint returns the unique identifier for each `experience` linked to your application name - `appName` (the application name you provide when registering your application using the [App Registration API](https://developer.mastercard.com/open-finance-us/documentation/api-reference/index.md#RegisterApp)). Optionally, you can filter experiences by specific products such as ACH, AO, ABC, using `productCode` as a query parameter. The `productCode` values must correspond to the products outlined in your contract with Mastercard. API Reference: `GET /connect/experiences`