[英]Account Aggregators/API's - which provide credit card bill due-dates and allow for cross-party payments?
I understand there are a number of account aggregators out there which allow businesses to get access to customers's transaction data (Plaid, Yodlee, Intuit Customer Account API, open to others...). 我知道那里有许多帐户汇总器,使企业可以访问客户的交易数据(格子,Yodlee,Intuit客户帐户API,向其他人开放...)。 I'd like to know which ones DO or DON'T also allow for: 我想知道哪些也允许或不允许:
Response from Yodlee Yodlee的回应
1) Determining the DUE-DATE of a customer's credit card balance
Yes , Yodlee do provide credit card bill due-date though their API. 是的,Yodlee确实通过其API提供了信用卡账单到期日。
2) Making PAYMENTS across accounts and parties.
Yodlee does have a Bill-Pay product but it's not available to API customers as of today. Yodlee确实有一个Bill-Pay产品,但是到目前为止,API客户还不能使用该产品。
I've been working with a loan repayment API and ran into this issue as well with Plaid. 我一直在使用还款API,并且在使用Plaid时也遇到了这个问题。 For US banks only , it seems that there are three items you need for this system: 仅对于美国银行 ,此系统似乎需要三个项目:
It's a complicated world when you try to pay on behalf of a user. 当您尝试代表用户付款时,这是一个复杂的世界。 Outside of programming, get a good lawyer who knows bank law! 在编程之外,请一位了解银行法的优秀律师!
Response from Plaid (as of 9/22/2014): No/Not yet and No 格子呢的回覆 (截至2014年9月22日): 否/尚未及否
"1) Within a customer's credit information, does Plaid provide their credit card bill due-date? what would be the appropriate call for that? “ 1)在客户的信用信息中,格子是否提供他们的信用卡帐单到期日?对此合适的选择是什么?
Currently no, but it's something we may add in the future. 目前没有,但这是我们将来可能会添加的内容。
2) Does Plaid offer anything by way of making payments or money transfers across accounts? 2)格子是否通过跨账户付款或汇款提供任何东西? (I'm assuming 'no,' but just want to confirm) (我假设是“否”,但只想确认一下)
We do not, however we can help with the authorization of accounts for ACH & Wire transfers. 我们没有,但是我们可以为ACH和电汇转账的帐户授权提供帮助。 Feel free to reach out directly for more information." 欢迎直接与我们联系以获取更多信息。”
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