# Data Access Tiers
source: https://developer.mastercard.com/open-finance-us/documentation/products/manage/data-access-tiers/index.md

Note: Partners using [TxPUSH](https://developer.mastercard.com/open-finance-us/documentation/products/manage/tx-push/index.md) are not eligible for Data Access Tiers.

Please contact your Sales Representative for more information on what tier is most appropriate for your application's use case.

Data Access Tiers is a billing option for [Account Aggregation](https://developer.mastercard.com/open-finance-us/documentation/products/manage/account-aggregation/index.md) and [Transaction Data](https://developer.mastercard.com/open-finance-us/documentation/products/manage/transaction-data/index.md). This product offers three levels of access to account data for each customer.

* [Tier 1](https://developer.mastercard.com/open-finance-us/documentation/products/manage/data-access-tiers/index.md#tier-1): Account Simple Details (ASD) - **no additional cost**
  * provides basic account information such as account name, type, status and currency. This enables you to check if accounts that have been permissioned are operational before using the paid tiers.
* [Tier 2](https://developer.mastercard.com/open-finance-us/documentation/products/manage/data-access-tiers/index.md#tier-2): Account Full Details (AFD) - **paid**
  * provides access to account information such as current balance, available balance, credit available and last payment date. It does not include transaction data.
* [Tier 3](https://developer.mastercard.com/open-finance-us/documentation/products/manage/data-access-tiers/index.md#tier-3): Account \& Transaction Details (ATD) - **paid**
  * provides access to Account Full Details (AFD) endpoints along with access to account transactions for up to six months (possibly longer for certain liability account types where the history of data is supported by the financial institution), such as transaction type, date, amount and categorization information.

Tip: If you access Tier 2 data and Tier 3 data for a customer in the same month, you will only incur the Tier 3 charge for that customer.

If you access a billable account or transaction data endpoint for a customer (apart from Account Balance Check), the cost of any Tier 2 or Tier 3 access for that customer is waived for that month.

### General Use Case {#general-use-case}

Allows you to receive account and transaction data on your customers in real time, and make informed business decisions.

Diagram dynamic-billing

### How It Works {#how-it-works}

To use Data Access Tiers, you must have a customer created through your `partnerId` and the customer must have at least one linked account.

These endpoints require [Authentication](https://developer.mastercard.com/open-finance-us/documentation/access-and-config/auth/index.md).
Warning: If you are using Data Access Tiers, the endpoints used for data refresh are different from the endpoints used with standalone services. You must use the V2 refresh endpoints. See the [Data Refresh](https://developer.mastercard.com/open-finance-us/documentation/products/manage/account-aggregation/data-refresh/index.md#refresh-endpoints-for-data-access-tiers-v2) documentation for details.

## Tier 1 {#tier-1}

Account Simple Details (ASD) provides access to the simple versions of the Get Customer Account(s) APIs.

These versions return only basic account information.

* Get Customer Account by ID (Simple)
* Get Customer Accounts (Simple)
* Get Customer Accounts by Institution ID (Simple)
* Get Customer Accounts by Institution Login ID (Simple)

<br />

See [Account Simple Details](https://developer.mastercard.com/open-finance-us/documentation/products/manage/account-aggregation/index.md#account-simple-details-asd) for full endpoint documentation.

Use the [Refresh Endpoints for Data Access Tiers (V2)](https://developer.mastercard.com/open-finance-us/documentation/products/manage/account-aggregation/data-refresh/index.md#refresh-endpoints-for-data-access-tiers-v2) to refresh data.

## Tier 2 {#tier-2}

Account Full Details (AFD) provides access to the full versions of the Get Customer Account(s) APIs.

These versions return more detailed account information such as current balance, available balance, credit available and last payment date.

* Get Customer Account by ID
* Get Customer Accounts
* Get Customer Accounts by Institution ID
* Get Customer Accounts by Institution Login ID

<br />

See [Account Full Details](https://developer.mastercard.com/open-finance-us/documentation/products/manage/account-aggregation/index.md#account-full-details-afd-or-account-limited-aggregation-ala) for full endpoint documentation.

Use the [Refresh Endpoints for Data Access Tiers (V2)](https://developer.mastercard.com/open-finance-us/documentation/products/manage/account-aggregation/data-refresh/index.md#refresh-endpoints-for-data-access-tiers-v2) to refresh data.

## Tier 3 {#tier-3}

Account Transaction Details (ATD) includes all Account Full Details (AFD) endpoints and provides access to transaction history.

* Get Customer Account Transactions
* Get Customer Transaction by ID
* Get All Customer Transactions

<br />

See [Account Transaction Details](https://developer.mastercard.com/open-finance-us/documentation/products/manage/transaction-data/index.md#account-transaction-details-atd-or-transaction-aggregation-tau) for full endpoint documentation.

Use the [Refresh Endpoints for Data Access Tiers (V2)](https://developer.mastercard.com/open-finance-us/documentation/products/manage/account-aggregation/data-refresh/index.md#refresh-endpoints-for-data-access-tiers-v2) to refresh data.