generated: '2026-07-23'
method: searched
source: >-
  https://github.com/Mastercard/open-banking-us-openapi (bin/setup.sh + README) and
  https://developer.mastercard.com/open-banking-us/documentation/test-the-apis/
note: >-
  Mastercard Open Banking (US) ships a "Test Drive" plan that runs against the live
  api.finicity.com host using a free Mastercard Developers account (Partner ID, Partner Secret,
  App Key). Test data is provided via the FinBank simulated institution rather than test API keys.
plan: Test Drive
base_url: https://api.finicity.com
credentials_required:
  - partnerId
  - partnerSecret
  - appKey (Finicity-App-Key)
auth_flow:
  step: POST /aggregation/v2/partners/authentication
  body: '{ "partnerId": "...", "partnerSecret": "...", "partnerId app key in Finicity-App-Key header" }'
  returns: short-lived Finicity-App-Token
test_customer:
  create: POST /aggregation/v2/customers/testing (AddTestingCustomer)
  note: creates a testing customer whose accounts can only link to the FinBank test institution
test_institution:
  name: FinBank Profiles - A
  institutionId: '102105'
  credentials:
    username: profile_03
    password: profile_03
    credential_ids:
      username: '102105001'
      password: '102105002'
  note: >-
    Verbatim from the official setup script — sign in to FinBank with profile_03 / profile_03,
    or add all accounts via POST /aggregation/v1/customers/{customerId}/institutions/102105/accounts/addall.
bank_account_profiles_docs: https://developer.mastercard.com/open-banking-us/documentation/test-the-apis/#bank-account-profiles
connect_test:
  generate_url: POST /connect/v2/generate (GenerateConnectUrl)
  note: open the returned Connect link, search "FinBank Profiles - A", add profile_03 accounts.
txpush_test:
  create_test_transaction: POST /aggregation/v1/customers/{customerId}/accounts/{accountId}/transactions (CreateTxPushTestTransaction)
  note: injects a synthetic transaction to exercise TxPush event delivery in test.