Data Availability

Data Availability

There are several steps involved from the moment a user gives consent to connect their Open Banking account until data is available through the D•One API. As a result, there may be a brief delay before the data is available after a successful connection.

Most of the time in this process is spent waiting for responses from banks and financial institutions. The wait time varies depending on the bank and the number of transactions in the user’s account.

For most users, transaction data becomes available within 10 seconds of connecting. However, it can sometimes take up to a minute. This delay affects the direct connection journey, and, in the scenario that a user connects their account and immediately searches the marketplace, the marketplace journey.

When integrating the D•One direct connection journey into your product, it’s best to wait until transaction data is available before calling the D•One end points. You can check if a user has data for a specific account by calling the accounts endpoint and reviewing the lastTransactionRefreshDate field. If this field is present, the transactions are available. If not, you’ll need to keep polling the endpoint until the field is populated.