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

Before you try any of the Open Finance products you will need to have already completed the following:

* [Generated your credentials](https://developer.mastercard.com/open-finance-us/documentation/quick-start-guide/index.md#generate-your-credentials) for accessing the services.
* Understood how to [authenticate](https://developer.mastercard.com/open-finance-us/documentation/onboarding/index.md#authentication) and receive an access token.
* Connected your customer (real or testing) accounts through [Mastercard Data Connect](https://developer.mastercard.com/open-finance-us/documentation/connect/index.md).

## Pay Products {#pay-products}

#### Account ACH Details {#account-ach-details}

Retrieve a customer's ACH (Automated Clearing House) details
for account opening or payment initiation.

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

#### Verification of Account Owner {#verification-of-account-owner}

Verify the account owner's details.

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

#### Account Balance {#account-balance}

Retrieve a customer's available account balance.

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

#### Account Validation Assistant {#account-validation-assistant}

Bank account validation using microdeposits.

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

#### Payment Enablement Bundle {#payment-enablement-bundle}

Fetch data relating to various individual Pay products using a single endpoint which bundles together data from other services as needed.

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

#### PSI {#psi}

Provide a score based on real-time account balance and historical account activities to evaluate the likelihood a given payment amount will settle successfully.

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

#### Deposit Switch {#deposit-switch}

Allow consumers to switch their direct deposits from one bank account to another.

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

#### Bill Pay Switch {#bill-pay-switch}

Allow consumers to switch their recurring automatic payments from one bank account to another.

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

## Manage Products {#manage-products}

#### Transaction Aggregation {#transaction-aggregation}

Receive nightly aggregations of a customer's financial transactions.

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

#### Account Aggregation {#account-aggregation}

Manage the accounts that customers have added.

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

#### TxPUSH {#txpush}

Subscribe to receive notifications whenever there are updates to account or transaction data for a specific customer's account.

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

#### Statements {#statements}

Retrieve customer bank statements in PDF format.

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

#### Loan Payment Details {#loan-payment-details}

Retrieve the information needed to move money to a non-routable liability account.

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

#### Data Enrichment {#data-enrichment}

Improve the clarity and usability of transaction data by categorizing transactions, identifying merchants, locations, logos, and websites.

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

#### Recurring Transactions {#recurring-transactions}

Retrieve categorized recurring transaction details for a customer, across multiple accounts.

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

## Lend Products {#lend-products}

#### Verification of Assets (VOA) {#verification-of-assets-voa}

Retrieve up to twelve months of a customer's transaction history.

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

#### Verification of Income (VOI) {#verification-of-income-voi}

Get a confidence score that ranks a customer's income streams.

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

#### Cash Flow Analytics {#cash-flow-analytics}

A report that analyses credit and debit cash flow of a customer.

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

#### Balance Analytics {#balance-analytics}

A report that analyses the bank account balances of a customer.

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

#### Reports List {#reports-list}

Full list of Lend report products.

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

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

#### Small Business Credit Analytics {#small-business-credit-analytics}

Provides retail sales metrics and benchmarks for a specified merchant location.

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

#### Payment Risk Insights Report {#payment-risk-insights-report}

Provides a risk score for a business based on payment history of connected accounts.

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