I am automating the process of downloading monthly bank statements from a few different banking portals, all from banks that support Plaid.
Is there a way to use the Plaid API to download monthly bank statements? I've looked through their docs and don't see much related to monthly statements besides last_statement_issue_date.
Like, a copy of the statement as a PDF? No. Plaid's API can be used to provide the same kind of information that you would find on a statement (transaction history, balance history, address, etc.), but it doesn't literally provide statements.
Related
I need to know which instuctions list is used for a transaction in order to use it in my application.
For example:
There is an unknown NFT marketplace, I can buy NFT through the "Buy" button in the browser.
I want to buy these nft programmatically, not through the browser.
To do this, I need to know all the instructions and transactions.
And in general, can I buy NFTs if the marketplace does not use CandyMachine, MagicEden, etc.?
Each marketplace/platform has a different way of managing transactions.
If you are interested in how transactions are put together and want to start building an understanding of the ecosystem, you have two options:
pick an open source repo (on Metaplex on you have auction house / storefront / fixed price listing / candy machine at least ). Some of these will have template UIs as well that you can customise to suit your needs. They come with several examples of transactions so that you can learn to build them from ground up.
Pick a proprietary framework (like Magic Eden), and interact with them via their API. You will not be building the transactions yourself in this case. In the case of Magic Eden, they build the transaction instructions serverside and serve them over their instructions API. You will not know (nor would you necessarily need to know) how the transactions are put together, as they've handled the abstractions for you.
Some examples of different NFT frameworks in the solana space:
Metaplex Auction Manager (open source) + Storefront UI. Useful for learning about how transactions are created, but probably unwise to start building a long-term solution on top this. Also Storefront UI is in places quite complex but as long as you just focus on the transactions and how they are generated, it's a useful pedagogical tool.
Metaplex Auction House (open source) is intended as a replacement for Auction Manager framework. Like the Auction Manager, Auction House is open source and there are multiple examples of how to use it in metaplex repos.
Metaplex Fixed Price (open source) is another listing framework with its own set of contracts. Again repos are available on metaplex github.
Magic Eden (proprietary) expose their transactions via an API, which gives you serialized transaction. You can use the transactions generated by their API in your application, but because ME is not open source, you will not be able to generate the transactions from scratch.
The above are just examples. However, the one thing they all share is that they use Metaplex standard for expressing their mint metadata. The way ownership is expressed via TokenAccounts is also standard across all, which means that as long as you hold NFts in your wallet, you will be able to list them in any of the above.
In addition to the above, Metaplex discord is also a useful source of information with a friendly community, but please check the growing SO knowledge base first.
I need an extension to my YouTube API quota allotment to conduct research for my dissertation. I have been trying to get an estimate of the available resources and costs for extensions for an NSF grant but have not been able to get in contact with a human for several weeks despite filing the quota extension form.
Currently, I've been trapped in a loop with the youtube API compliance team where they continuously ask me for the following info.
In order to proceed further, please provide us the following information:
Provide API Client link and demo credentials
Screenshots and/or video recording(s) that clearly demonstrates how your API Client and its users access and use the YouTube API Services.
Documents relating to your implementation, access and use of YouTube API Services.
I have attached the required responses mulitple times and still receive the same message. For the first I have attached my python code for accessing the API (the only usage of the service), the second I have attached the pictures of the terminal window and the data output, for the third I have attached the project summary, description, and data collection plan for the project plus the first paper I published using the limited quota on YouTube.
I've repeatedly asked to be connected with a human to go through their needs but have had no response. The project has received a great deal of interest in the Economics community and I am under a great deal of pressure to continue the work, it is very stressful for a graduate student to bear especially when barred by an automated response. Please help D:
The service tag is 1-0726000027117
Is there a way to avoid race conditions when inserting events into Google Calendar using the API? I have an experimental app that needs to insert events into user's calendar. However, the user should not be double booked at a particular time.
The only true way of guaranteeing something like this is if Google provides a way. Other solutions are prone to race conditions (example, some other app that the user has updating it while my app is ignorant). The options as far as I can tell:
E-Tags with If-Match option - But this option is not valid for inserts according to the docs (https://developers.google.com/google-apps/calendar/v3/version-resources).
Important: There is no support for conditional modifications for
insert operations. Instead, it is guaranteed that if you are allowed
to provide a resource ID, then the operation will only succeed if no
existing entry has that ID.
So if I provide an if-match with the calendar etag and try to insert, it always fails regardless of the fact that the etag is correct.
Using "watch" for a brief period while the event is about to be inserted (https://developers.google.com/google-apps/calendar/v3/reference/events/watch). However, this solution is prone to race conditions due to the time take to get notified. One user inserting while my app gets notified of the update is problematic.
Sync the whole calendar with server periodically and consider the source of truth as the synced version and avoid double booking. Less optimal because new events added won't get synced fast enough, but the most likely will work.
What other solutions come to mind? I think #3 is the most suitable to guarantee consistency and integrity of data to avoid double booking.
I found a solution to this on this blog which states that you'll be using Calendar Resource API instead of the Google Calendar. I think this guide is what you're looking for.
Unlike a regular calendar, resources:
-Do not allow conflicts
-Can be shared across everyone on your Google Apps domain
-Can be invited (multiple at a time) to events, just like a person
-Their ability to share availability with everyone makes resources great for managing rooms schedules. Especially in a shared work
environment like your office.
FYI: This guide assumes you already have Google Apps. Currently only
paid accounts have access to resource calendars. If you’re
grandfathered in or using a personal Gmail account, this process won’t
make much sense.
Yes, Braintree and Taxamo have a couple of widgets facilitating their integration, but the way they work they are tied to the process of authorization of a credit card while what the tax services are interested in are SETTLED transactions (i.e. what is actually billed from the client at the end of the day),
settled transactions aren't the same thing as authorized transactions, voids, IO problems in API communication, client-side software bugs, even credit card company policies (chargebacks, presentment rejections etc) result with what is authorized not being equal to what is settled / billed,
special world of pain continues when you consider the complex formulas for mid-cycle subscription updates (proration), discount and addon calculations and the fact that none of my subscription API calls done using the sandbox don't have a transaction object (so I don't know the amounts being billed from the client),
meaning I have to reimplement a bunch of advanced logic done by Braintree to deduce what the client will see on his bank statement and hope to have gotten everything right, or have IRS on our back -_- (in Croatia companies get blocked over 1-3 euro imbalances in the tax reports)
So the question, am I missing something here?
is there a simple way to submit to Taxamo only settled transactions?
does maybe the sandbox and mock webhooks behave differently than production, is it possible that Subscription API calls and webhooks in production return a transaction object and that I just don't see it?
does the current Braintree and Taxamo integration at least "kind of work in practice 100% of the time" and I'm worrying too much?
Full disclosure: I work at Braintree. If you have any further questions, feel free to contact support.
Braintree and Taxamo don't have an official integration package (the widgets available are not supported by Braintree, and Braintree had no hand in developing them). However, the two can be, and often are, used alongside each other. Because there's no official integration, the two integrations don't interact with one another, and the logic concerning when any action in Taxamo should take place in relation to an action in Braintree is up to a user to implement.
With that in mind, there's no 'out-of-the-box' solution to submit only settled transactions to Taxamo. Braintree does offer settlement batch summary reports, which contain the transactions that settle every night. Using the information there, you could submit your transactions to Taxamo every night alongside the settlement batches. However, be aware that transactions don't always settle immediately, so there will be a gap between the time that you submit a transaction for settlement and the time you submit the transaction to Taxamo.
Alternatively, you could store the transaction in Taxamo immediately and keep track of the transaction key that Taxamo generates to reference the tranasction. Then, if anything happens that prevents the transaction from settling, you can delete that transaction in Taxamo.
These are just two options to consider for an open-ended problem. As always, you should evaluate your business needs carefully, and do whatever you believe will work best.
As BladeBarringer mentioned in the comments to your question, the subscription response object does contain an array of transactions that you can reference. The most recent transaction is always at index [0] of that array.
I am using the Plaid API for iOS to write a program which accesses banks accounts after authentication and displays the transaction data.
I need to know if it's possible to transfer funds between accounts (checking to savings) and how.
I know acorns uses the same API, and they are able to transfer funds, and Plaid's site claims "Authorize ACH payments in seconds based on the information users know in their heads. No need to know account or routing number. No need for micro-deposits."
But is there documentation on how to move money on the site?
Plaid does not move money via their API.
UPDATES
Dwolla now provides a white-label solution that basically does this all for you. Combine Plaid and Dwolla, and you're basically golden for payments in the US now.
Disclaimer: I co-founded a company that is a customer of Dwolla and one of their first white label customers.
Original content
Moving money with the credentials that Plaid provides requires using the Automated Clearing House (ACH) process in the US.
What won't work
Ripple Labs (currently under federal investigation), Dwolla, BitPay, etc. all require proprietary authentication with their own platforms before they will move money. You can't use them with the routing and account number that you get from Plaid. You have to adopt their entire system...or nothing.
What will work
Plaid's API provides more for you than those other APIs because you have the routing and account number. This allows you to directly enter into the ACH system yourself. All you need to move money is the senders routing and account number, the receiver's routing and account number, and the amount. Plaid gives you 2/5 of this already.
But you need to move the funds. Using an ACH processor (like Vericheck - I was a customer), you can use their API to send money to an account. Or a bank (like Silicon Valley Bank - also was a customer), where you can generate and upload a NACHA file with the instructions.
What you're in for
Compliance and banking laws are strict. Get a good lawyer to help explain what you're up against. ACH processors will want to do comprehensive background checks on you and your business. Banks will require you to deposit a portion of your proposed transactions to cover STOP payments (when a user tells their bank to cancel a payment, like voiding a check). You may have to register as a money transmitter (a small $1M in filing, registration, and legal fees for all 50 states).
Moving money is still difficult to do on behalf of a user, but if you're willing to put in the legal work, the programming is pretty simple!
Plaid's API actually will give you routing and account number information and/or transaction data with cool info like GPS coordinates of transactions but I believe when I spoke to them they explicitly said that they don't provide money moving services in their API.
I've been looking at Ripple Labs, Dwolla, BitPay, etcetera.
If you have any recommendations about getting Plaid and Meteor working well together, then I can add you to a Cloud9 workspace and would be delighted to learn. :)
Plaid recently signed an agreement with Stripe. Stripe allows you to move funds via ACH through their newly realeased API: https://stripe.com/blog/accept-ach-payments
This is very similar to what companies like Peloton Technologies Inc. have been doing in Canada for EFT since 2010. EFT is what most parts of the world refer to as ACH.
Plaid provides Stripe with a higher possibility of being able to instantly verify a bank account, otherwise they fall back to the old Paypal 4 day verification processes of issuing a couple of transfers and waiting for the users to verify the amounts.
The pain of waiting on the user and the fact that 7 out of 10 times a bank account is entered wrong is what has probably prevented Stripe and other companies entering this space until now.