Credit Karma API Integration & Open Finance Solutions

What We Deliver

• OpenAPI / Swagger interface specifications
• Protocol & authorization flow analysis (auth chain, token refresh, reverse engineering notes)
• Runnable backend source code (Node.js / Python) with SDK templates
• End-to-end tests, integration samples and interface documentation
• Compliance recommendations, privacy policy and data minimization guidance

Sample: Get Account Transactions (pseudo-code)

POST /api/v1/creditkarma/accounts/transactions
Content-Type: application/json
Authorization: Bearer <ACCESS_TOKEN>

{
  "account_id": "savings-12345",
  "from": "2025-09-01",
  "to": "2025-09-30",
  "page": 1,
  "page_size": 200
}

Response: {
  "status":"OK",
  "transactions":[{
    "id":"TXN20250910001",
    "date":"2025-09-10",
    "amount":-1499.00,
    "currency":"INR",
    "description":"UPI Payment - Grocery",
    "balance_after": 10234.56
  }],
  "page":1,"total_pages":3
}

Key Integration Scenarios

Account aggregation, transaction and reconciliation, UPI payment flow, pre-approved loan/credit data, balance and limit synchronization, merchant settlement callbacks, and enterprise-grade audit and compliance modules.

Core Benefits

• Compliance-first: data access only with user authorization or public/licensed APIs
• Deliverable source code: runnable backend and SDK for quick deployment
• Cross-platform support: for mobile and server-side integrations
• Enterprise-grade security: token management, certificate validation, audit logs, least privilege
• Multilingual documentation: Chinese / English tech docs and examples

Compliance & Security

We operate only with explicit user authorization or through public/third-party licensed data sources. We provide privacy minimization guidance, audit logging templates, and data retention policies; NDA and regulatory alignment assistance can be provided when needed.

1) Preparation & Authorization

1. Provide target app name and requirements (e.g., transaction reconciliation, UPI transfers, gift card mapping).
2. Confirm data sources (public API / third-party licensed / user-authorized aggregation).
3. We complete protocol analysis and deliver authorization flow documentation (OAuth, token lifecycle, callback validation).

2) Integration Steps (Sample)

1. Install server-side SDK and container images.
2. Deploy authorization callbacks and token storage (encrypted storage, configurable refresh policy).
3. Enable periodic pulls or real-time Webhook forwarding for transactions/ratings.
4. Enable alert rules: credit score thresholds, unusual spending, rate fluctuations, etc.
5. Provide standardized interfaces: /accounts, /transactions, /credit/score, /offers.

3) Example Endpoints (Pseudo-implementation)

GET /api/v1/creditkarma/accounts?user_id=uid_12345
GET /api/v1/creditkarma/transactions?account_id=acc_987&from=2025-09-01&to=2025-09-30
POST /api/v1/credit/alerts  (receive and register webhook)
POST /api/v1/offers/compare  (aggregate third-party quotes and return Approval Odds)

About Us

We are a technology studio focused on app protocol analysis and authorized API integration. Our team brings experience from fintech, mobile apps, and security, delivering compliant, scalable OpenFinance/OpenData integration with reusable SDKs and test suites.

• Supports Android / iOS protocol analysis and integration
• Deliver runnable source code, OpenAPI docs, and test assets
• Prioritizes privacy and compliance; offers data minimization guidance
• Transparent pricing: starting at $300, with flexible pay-after-delivery options

Contact & Next Steps

To start a project, request a quote, or submit target app name and integration requirements, please visit our contact page:

View Contact Details / Submit Request