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Financial Technology"},"license":"ISC","homepage":"https://github.com/moneyhub/moneyhub-api-client","keywords":["moneyhub","financial","technology","api","openid"],"repository":{"url":"git+https://github.com/moneyhub/moneyhub-api-client.git","type":"git"},"description":"Node.JS client for the Moneyhub API","maintainers":[{"name":"ozamarripamft","email":"omar.zamarripa@moneyhub.com"},{"name":"davidgtonge","email":"dave.tonge@moneyhub.co.uk"},{"name":"maciej.dworakowski","email":"maciej.dworakowski@moneyhub.com"},{"name":"hannah_goodridge","email":"hannah.goodridge@moneyhub.com"},{"name":"jspaine","email":"painejs@hotmail.com"},{"name":"skamaraddi","email":"shweta.kamaraddi@moneyhub.com"},{"name":"stefanspita","email":"stefan.spita@moneyhub.com"},{"name":"samybounouar42","email":"samy.bounouar@moneyhub.com"},{"name":"conradjackson","email":"conrad.jackson@moneyhub.com"},{"name":"jon_bride_mh","email":"jonathan.bride@moneyhub.com"},{"name":"gilbert.holland-lloyd","email":"gilbert.holland-lloyd@moneyhub.com"},{"name":"daniel_cook","email":"daniel.cook@moneyhub.com"},{"name":"jackscott10","email":"jack.scott@moneyhub.com"},{"name":"moneyhubcolin","email":"colin.adams@moneyhub.com"},{"name":"littlejohnd","email":"john.dyer@moneyhub.com"},{"name":"vicki_tamar","email":"vicki.edwards@moneyhub.com"},{"name":"phongvu","email":"phong.vu@moneyhub.com"},{"name":"chrisw00d","email":"chris.wood@moneyhub.com"},{"name":"jenniferbeckingham","email":"jennifer.beckingham@moneyhub.com"},{"name":"tomcopestake","email":"tom.copestake@moneyhub.com"},{"name":"tundeph_mh","email":"olatunde.phoster@moneyhub.com"},{"name":"mattcobleymh","email":"matt.cobley@moneyhub.com"},{"name":"piyushgoyal","email":"piyush.goyal@moneyhub.com"},{"name":"james-mh","email":"james.allen@moneyhub.com"},{"name":"paulina.cisek","email":"paulina.cisek@moneyhub.com"},{"name":"thomaskupai","email":"thomas.kupai@moneyhub.com"},{"name":"yevhen.sydorov","email":"Yevhen.Sydorov@moneyhub.com"},{"name":"nadia.pavelin","email":"nadia.pavelin@moneyhub.com"},{"name":"ingrid.acero","email":"ingrid.acero@moneyhub.com"},{"name":"lily.page","email":"lily.page@moneyhub.com"},{"name":"gareth.williams1","email":"gareth.williams@moneyhub.com"},{"name":"jake.fenley.moneyhub","email":"jake.fenley@moneyhub.com"},{"name":"tetianastarkiv","email":"tetiana.starkiv@moneyhub.com"},{"name":"allan.calderwood","email":"allan.calderwood@moneyhub.com"},{"name":"andrewfoote","email":"andrew.foote@moneyhub.com"},{"name":"mh-fergus","email":"fergus.morrow@moneyhub.com"},{"name":"richardjgreen-mh","email":"richard.green@moneyhub.com"},{"name":"ignacio.contreras","email":"ignacio.contreras@moneyhub.com"}],"readme":"# Moneyhub API Client\n\n## Introduction\n\nThis is an Node.JS client for the [Moneyhub API](https://docs.moneyhubenterprise.com/docs). It currently supports the following features:\n\n- Getting the list of supported banks\n- Registering users\n- Deleting users\n- Generating authorisation urls for new and existing users\n- Getting access tokens and refresh tokens from an authorisation code\n- Refreshing access tokens\n- Deleting user connections\n- Getting access tokens with client credentials\n- CRUD actions for accounts\n- CRUD actions for transactions\n- Generate authorisation url for payments\n- Add Payees\n- Get Payees and payments\n- Add Pay links\n- Get Pay links\n- Get categories\n- CRUD actions on projects\n- CRUD actions on transaction attachments\n- CRUD actions on transaction splits\n- Get a tax return for a subset of transactions\n- Get the regular transactions on an account\n- Get beneficiaries\n- Create reseller check requests and get consent history\n- Standard financial statements\n- Legacy bank connections listing\n- CAAS (Categorisation as a Service) API for advanced transaction enrichment and categorisation\n\nCurrently this library supports `client_secret_basic`, `client_secret_jwt` and `private_key_jwt` authentication.\n\n## Upgrading from 3.x\n\nThe breaking changes when upgrading are outlined below:\n\n- Normalisation of all methods to use object destructuring to pass parameters. Please refer to the docs of each method when migrating to this version\n\n- Delete methods only return the status code when successful\n\n- All methods to retrieve data return the body response as json, on previous versions some methods were returning the full response from the got library.\n\n- When our API response code is not 2xx an HTTP error is thrown. Includes a response property with more information.\n\n- Removal of all the methods with the suffix `WithToken`. To migrate to this version you can use the method with the same name but without the suffix. e.g `getUserConnectionsWithToken()` => `getUserConnections()`\n\nFor the full list of changes please refer to the [changelog](CHANGELOG.md)\n\n## Upgrading from 4.x\n\nThe major upgrade from version 4.x is that the library now caters for TypeScript. To allow for this, the factory method that creates the client instance is now a named export rather than a default export.\n\n```js\n// v4.x\nconst Moneyhub = require(\"@mft/moneyhub-api-client\")\n\n// v5.x\nconst {Moneyhub} = require(\"@mft/moneyhub-api-client\")\n```\n\n## Changelog\n\n[Learn about the latest improvements and breaking changes](CHANGELOG.md).\n\n## Publishing (maintainers)\n\nOfficial releases are published to npm by **GitHub Actions** when a [GitHub Release](https://github.com/moneyhub/moneyhub-api-client/releases) is published (see `.github/workflows/publish.yml`). The publish workflow runs lint and build on GitHub-hosted runners. Live integration tests are not part of publish; they run in the private synced repository (allowlisted IPs / secrets). Do not rely on publishing from a developer machine.\n\nThe `prepublishOnly` lifecycle script runs **`scripts/assert-github-actions-publish.js`** before the build. It exits with an error unless `GITHUB_ACTIONS` is set (as it is in GitHub Actions), so a normal local `npm publish` is blocked. That reduces accidental publishes; it is **not** a security boundary on its own—npm access control and trusted publishing still matter.\n\nTo bypass the check in a **documented emergency** only, you can run `npm publish --ignore-scripts` (this skips all lifecycle scripts, including the build step in `prepublishOnly`, so you must ensure the package is already built and correct).\n\n## Prerequisites\n\nTo use this API client you will need:\n\n- Node.js >= 18.0.0\n- A `client_id`, `client_secret` and `redirect_uri` of a registered API client\n- The url of the Moneyhub identity service for the environment you are connecting to (https://identity.moneyhub.co.uk)\n- The url for the API gateway for the environment that you are connecting to (https://api.moneyhub.co.uk/v3)\n\n## To install\n\n`npm install @mft/moneyhub-api-client`\n\n## Creating JWKS\n\nIf you need to generate JWKS (JSON Web Key Set) for authentication with `private_key_jwt`, you can use the provided script:\n\n```bash\nnpm run create-jwks -- --key-alg RS256 --key-size 2048 --key-use sig --alg RS256\n```\n\n### Options\n\n- `--key-alg`: The key algorithm (default: uses the value from `--alg`)\n- `--key-size`: The key size in bits (default: 2048)\n- `--key-use`: The key usage, typically `sig` for signing (default: sig)\n- `--alg`: The signing algorithm, e.g., `RS256`, `RS384`, `RS512` (default: RS256)\n\nThis will generate both public and private JWKS. The public keys should be added to your API client configuration in the Moneyhub Admin portal, and the private keys should be used as the `keys` value when configuring the Moneyhub API client.\n\n## Usage\n\nThis module exposes a single factory function that accepts the following configuration:\n\n```javascript\nconst {Moneyhub} = require(\"@mft/moneyhub-api-client\")\nconst moneyhub = await Moneyhub({\n  resourceServerUrl: \"https://api.moneyhub.co.uk/v3\",\n  identityServiceUrl: \"https://identity.moneyhub.co.uk\",\n  options: { // optional\n    timeout: 60000, // request timeout in milliseconds\n    retry: {\n      limit: 3, // maximum number of retries\n      methods: [\"GET\", \"HEAD\", \"PUT\", \"DELETE\", \"OPTIONS\", \"TRACE\"], // HTTP methods to retry\n      statusCodes: [408, 413, 429, 500, 502, 503, 504, 521, 522, 524], // status codes to retry on\n      maxRetryAfter: 5000 // maximum time to wait between retries in milliseconds\n    },\n  }\n  client: {\n    client_id: \"your client id\",\n    client_secret: \"your client secret\",\n    token_endpoint_auth_method: \"client_secret_basic\",\n    id_token_signed_response_alg: \"RS256\",\n    request_object_signing_alg: \"none\",\n    redirect_uri: \"https://your-redirect-uri\",\n    response_type: \"code\",\n    keys: [\n      /* your jwks */\n    ],\n    /* optionally use Mutual TLS certificates */\n    mTLS: {\n      tls_client_certificate_bound_access_tokens: true,\n      cert: readFileSync(path.join(__dirname, \"../certs/cert.pem\")),\n      key: readFileSync(path.join(__dirname, \"../certs/key.pem\")),\n    }\n  },\n})\n```\n## Options\nWhen making calls to our methods that require authentication, you can provide an extra argument at the end of these methods. This argument must be an object with these optional keys:\n\n```js\n{\n  token: \"full.access.token\" // if specified will be added to authorisation header of request\n  headers: {\n    Authorization: \"Bearer full.access.token\" // can be used to specify authorisation header or additional headers\n  },\n  version: \"v3\" // Forces an specific API version when calling the method\n}\n```\nExample usages\n\n```javascript\nconst accounts = await moneyhub.getAccounts({\n  userId: \"user-id\",\n  params: {},\n}, {});\n\nconst accounts = await moneyhub.getAccounts({\n  params: {},\n}, {\n  token: \"full.access.token\"\n});\n\nconst accounts = await moneyhub.getAccounts({\n  params: {},\n}, {\n  headers: {\n    Authorization: \"Bearer full.access.token\"\n  }\n});\n\nconst accounts = await moneyhub.getAccountsList({\n  params: {},\n}, {\n  version: \"v2\"\n});\n```\n\nAt least one of the following parameters needs to be passed in to any api call that requires user authentication:\n\n- **userId**: Automatically requests a token for this userId with the correct scopes\n- **token**: The token will be added as bearer authorization header\n- **Authorization header**: The full authorisation header can be passed in\n\n## Using the client behind a gateway\n\nThe client keeps the original resource URLs in config (`resourceServerUrl`, `identityServiceUrl`, `caasResourceServerUrl`, `osipResourceServerUrl`, `accountConnectUrl`). You can optionally set a **gateway URL** for each resource (`gatewayResourceServerUrl`, `gatewayIdentityServiceUrl`, `gatewayCaasResourceServerUrl`, `gatewayOsipResourceServerUrl`, `gatewayAccountConnectUrl`). **Only when a gateway URL is set** for a resource does the client use that URL for requests to that resource and rewrite responses to it. If you only route one resource through a gateway, set only that resource’s gateway URL; the others stay on the original URLs and no rewriting occurs for them. Example:\n\n```javascript\nconst moneyhub = await Moneyhub({\n  resourceServerUrl: \"https://api.moneyhub.co.uk/v3\",\n  identityServiceUrl: \"https://identity.moneyhub.co.uk\",\n  gatewayResourceServerUrl: \"https://my-gateway.example.com/moneyhub/v3\",\n  gatewayIdentityServiceUrl: \"https://my-gateway.example.com/moneyhub/identity\",\n  options: {\n    openIdConfigCacheTtlMs: 3600000, // optional; default 1 hour\n  },\n  client: { /* ... */ },\n})\n```\n\nBehaviour:\n\n- **Identity**: When `gatewayIdentityServiceUrl` is set, the client fetches the OpenID discovery document from that URL and rewrites endpoint URLs in the document to use it, so that authorization, token exchange, and JWKS requests go through the gateway. When it is not set, discovery is fetched from `identityServiceUrl` and no rewriting is applied.\n- **Resource server**: When `gatewayResourceServerUrl` (or `gatewayCaasResourceServerUrl` or `gatewayOsipResourceServerUrl`) is set, the client uses that URL for requests to that API and rewrites link URLs in responses (e.g. `links.self`, `links.next`, `links.prev`) to that base. When no gateway URL is set for that resource, the client uses the original URL and does not rewrite response links.\n\n**Verifying behaviour**: Run the unit tests for the rewrite logic with `npx mocha --require ts-node/register \"src/__tests__/discovery.ts\"`; run the integration tests for gateway rewriting with `npm run test -- -g \"Gateway URL rewriting\"` (or run the full test suite as described in [Running Tests](#running-tests)); in production, check your gateway access logs to confirm identity and API requests hit the gateway, or inspect `getOpenIdConfig()` and any `response.links` to see gateway URLs.\n\n### Security considerations\n\nThe following points are intended for security review (e.g. by banks or regulated entities).\n\n- **Rewrite target is always a configured gateway URL**  \n  URLs are rewritten only to the gateway base URLs you supply (`gatewayIdentityServiceUrl`, `gatewayResourceServerUrl`, etc.). The client never uses a URL from a response or discovery document as the *target* of the rewrite. An attacker who could influence response content cannot cause the client to send traffic to an arbitrary or malicious host.\n\n- **TLS and certificates**  \n  The client validates TLS only to the configured base (the gateway). The gateway is responsible for TLS to the upstream identity and API services. No new certificate or trust store requirements are introduced by the library.\n\n- **OIDC issuer claim and discovery `issuer`**  \n  ID tokens from the identity provider carry an `iss` (issuer) claim. Many OIDC clients validate that the token’s `iss` matches the Issuer’s `issuer` from discovery. When using a gateway, the implementation may leave the discovery `issuer` field unchanged so that token validation continues to expect the IdP’s canonical `iss`; or the identity service behind the gateway may be configured to issue tokens with `iss` equal to the gateway URL. See the release notes or implementation docs for the chosen behaviour so you can align with your IdP and validation policies.\n\n- **Response body integrity**  \n  The client modifies response bodies (e.g. `links`) for resource server responses. If you sign or checksum the *full* response body elsewhere, rewriting URL fields would invalidate that. Treat the client as the consumer of the API for integrity purposes, or apply signing after the client (e.g. at the gateway) so the signed payload is the rewritten one.\n\n- **Secrets**  \n  Client credentials, keys, and tokens are used as in the standard flow. No new storage, logging, or transmission of secrets is introduced by the gateway rewrite logic.\n\n### Governance considerations\n\n- **Change control and risk**  \n  The gateway feature alters outbound request behaviour (discovery used for the Issuer) and response bodies (resource server links). Release notes and CHANGELOG describe the change. Summary: enables gateway-only routing; no new external dependency; rewrite targets are config-only; considerations include issuer claim alignment and response body integrity as above.\n\n- **Audit and assurance**  \n  To demonstrate that traffic to Moneyhub goes through your approved gateway, set the relevant gateway URLs and use the verification steps above (tests, gateway logs, inspection of `getOpenIdConfig()` and `response.links`). Internal or external audit can rely on config plus these verification steps.\n\n- **Third-party and supply chain**  \n  The client uses `@isaacs/ttlcache` for OIDC discovery caching. Rewrite targets are never taken from responses or discovery documents.\n\n- **Regulatory and outsourcing**  \n  Use of a gateway is your architectural choice; this feature makes it possible for the client to honour that choice. Regulatory implications (e.g. outsourcing, record-keeping) remain with your use of the gateway and the Moneyhub service, not with the library change itself.\n\n## API\nOnce the api client has been initialised it provides a simple promise based interface with the following methods:\n\n### Auth API\n\nThe options below can be set on the following URL generating methods:\n\n- `getAuthorizeUrl`\n- `getAuthorizeUrlForCreatedUser`\n- `getReauthAuthorizeUrlForCreatedUser`\n- `getRefreshAuthorizeUrlForCreatedUser`\n\nThe `expirationDateTime` and `transactionFromDateTime` options can be set according to the [AIS Consents documentation](https://docs.moneyhubenterprise.com/docs/ais-consents)\n\nSet `enableAsync` to true if you wish to make an AIS connection that won't wait for accounts and transactions to be fetched.\n\nSet `accVerification` to true to add the `mh:account_verification` claim. This is independent of `enableAsync`.\n\n**Note:** all methods generate an authorise URL using the Pushed Authorisation Request (PAR) method, see [here](https://docs.moneyhubenterprise.com/docs/pushed-authorisation-requests-par) for more details.\n\n#### `getAuthorizeUrl`\n\nThis method returns an authorize url for your API client. You can redirect a user to this url, after which they will be redirected back to your `redirect_uri`.\n\n[Financial institutions](https://docs.moneyhubenterprise.com/docs/bank-connections)\n\n[Scopes](https://docs.moneyhubenterprise.com/docs/scopes)\n\n[Claims](https://docs.moneyhubenterprise.com/docs/claims)\n\n```javascript\nconst url = await moneyhub.getAuthorizeUrl({\n  scope: \"openid bank-id-scope other-data-scopes\",\n  state: \" your state value\", // optional\n  nonce: \"your nonce value\", //optional\n  claims: claimsObject, // optional\n  permissions: [\"ReadBeneficiariesDetail\"], // optional - set of extra permissions to set for auth URL\n  permissionsAction: \"replace\" // optional - replace default consent permissions. Defaults to \"add\"\n  expirationDateTime: \"2022-09-01T00:00:00.000Z\", // optional\n  transactionFromDateTime: \"2020-09-01T00:00:00.000Z\", // optional,\n  enableAsync: false, // optional\n  accVerification: false, // optional - adds mh:account_verification independently of enableAsync\n});\n\n// FAPI 2 / PKCE (server-side storage — never expose code_verifier to the browser)\nconst url = await moneyhub.getAuthorizeUrl({\n  scope: \"openid bank-id-scope\",\n  state: \"your-state\",\n  nonce: \"your-nonce\",\n  pkce: {\n    generate: true,\n    storeVerifier: async ({state, codeVerifier}) => {\n      await storeVerifierServerSide(state, codeVerifier); // e.g. Redis keyed by state\n    },\n  },\n});\n\n// Default claims if none are provided\nconst defaultClaims = {\n  id_token: {\n    sub: {\n      essential: true,\n    },\n    \"mh:con_id\": {\n      essential: true,\n    },\n  },\n};\n```\n\n#### `getAuthorizeUrlForCreatedUser`\n\nThis is a helper function that returns an authorize url for a specific user to connect to a specific bank. This function uses the following scope with the value of the bankId provided `id:${bankId} openid`.\n\n[Financial institutions](https://docs.moneyhubenterprise.com/docs/bank-connections)\n\n[Scopes](https://docs.moneyhubenterprise.com/docs/scopes)\n\n[Claims](https://docs.moneyhubenterprise.com/docs/claims)\n\n```javascript\nconst url = await moneyhub.getAuthorizeUrlForCreatedUser({\n  bankId: \"bank id to connect to\",\n  userId: \"user id returned from the registerUser call\",\n  state: \"your state value\", // optional\n  nonce: \"your nonce value\", // optional\n  claims: claimsObject, // optional\n  permissions: [\"ReadBeneficiariesDetail\"], // optional - set of extra permissions to set for auth URL\n  permissionsAction: \"replace\" // optional - replace default consent permissions. Defaults to \"add\"\n  enableAsync: false, // optional\n});\n\n// Scope used with the bankId provided\nconst scope = `id:${bankId} openid`;\n\n// Default claims if none are provided\nconst defaultClaims = {\n  id_token: {\n    sub: {\n      essential: true,\n      value: userId, // userId provided\n    },\n    \"mh:con_id\": {\n      essential: true,\n    },\n  },\n};\n```\n\n#### `getReauthAuthorizeUrlForCreatedUser`\n\nThis is a helper function that returns an authorize url for a specific user to re authorize an existing connection. This function uses the scope `openid reauth`.\n\n```javascript\nconst url = await moneyhub.getReauthAuthorizeUrlForCreatedUser({\n  userId: \"the user id\",\n  connectionId: \"connection Id to re authorize\",\n  state: \"your state value\", // optional\n  nonce: \"your nonce value\", // optional\n  claims: claimsObject, // optional\n  enableAsync: false, // optional\n});\n\n// Default claims if none are provided\nconst defaultClaims = {\n  id_token: {\n    sub: {\n      essential: true,\n      value: userId, // userId provided\n    },\n    \"mh:con_id\": {\n      essential: true,\n      value: connectionId, // connectionId provided\n    },\n  },\n};\n```\n\n#### `getReconsentAuthorizeUrlForCreatedUser`\n\nThis is a helper function that returns a url for a specific user to reconsent an existing connection. This function uses the scope `openid reconsent`. The `expiresAt` date cannot be set to more than 90 days in the future. If `expiresAt` is not provided it will default to a date 90 days in the future. **Please note - this method should only be used for connections that have `tppConsent` set as `true`**.\n\n```javascript\nconst url = await moneyhub.getReconsentAuthorizeUrlForCreatedUser({\n        userId: \"user id\",\n        connectionId: \"connection ID to reconsent\",\n        state: \"your state value\", // optional\n        nonce: \"your nonce value\", // optional\n        claims: claimsObject // optional\n        expiresAt: \"ISO date-time string for new expiry of the connection\" // optional - defaults to 90 days in future\n});\n\n// Default claims if none are provided\nconst defaultClaims = {\n  id_token: {\n    sub: {\n      essential: true,\n      value: userId, // userId provided\n    },\n    \"mh:con_id\": {\n      essential: true,\n      value: connectionId, // connectionId provided\n    },\n    \"mh:consent\": {\n      value: {\n        expirationDateTime: expiresAt, // expiresAt provided. If not provided defaults to a date 90 days in the future\n      },\n    },\n  },\n};\n```\n\n#### `getRefreshAuthorizeUrlForCreatedUser`\n\nThis is a helper function that returns an authorize url for a specific user to refresh an existing connection. This function uses the scope `openid refresh`. (Only relevant for legacy connections)\n\n```javascript\nconst url = await moneyhub.getRefreshAuthorizeUrlForCreatedUser({\n  userId: \"the user id\",\n  connectionId: \"connection Id to re refresh\",\n  state: \"your state value\", // optional\n  nonce: \"your nonce value\", // optional\n  claims: claimsObject, // optional\n  enableAsync: false, // optional\n});\n\n// Default claims if none are provided\nconst defaultClaims = {\n  id_token: {\n    sub: {\n      essential: true,\n      value: userId, // userId provided\n    },\n    \"mh:con_id\": {\n      essential: true,\n      value: connectionId, // connectionId provided\n    },\n  },\n};\n```\n\n#### `getAuthorizeUrlLegacy`\n\nThis method returns an authorize url for your API client using the legacy method (where a request object is generated and passed in as the `request` query parameter). You can redirect a user to this url, after which they will be redirected back to your `redirect_uri`. It has the same method signature as `getAuthorizeUrl`\n\n```javascript\nconst url = await moneyhub.getAuthorizeUrlLegacy({\n  scope: \"openid bank-id-scope other-data-scopes\",\n  state: \" your state value\", // optional\n  nonce: \"your nonce value\", //optional\n  claims: claimsObject, // optional\n  permissions: [\"ReadBeneficiariesDetail\"], // optional - set of extra permissions to set for auth URL\n  permissionsAction: \"replace\" // optional - replace default consent permissions. Defaults to \"add\"\n  expirationDateTime: \"2022-09-01T00:00:00.000Z\", // optional\n  transactionFromDateTime: \"2020-09-01T00:00:00.000Z\", // optional,\n  enableAsync: false, // optional\n});\n```\n\n#### `exchangeCodeForTokensLegacy`\n\nThis is a legacy method to get tokens for a user.\nAfter a user has successfully authorised they will be redirected to your redirect_uri with an authorization code. You can use this to retrieve access, refresh and id tokens for the user.\n\n```javascript\nconst tokens = await moneyhub.exchangeCodeForTokensLegacy({\n  code: \"the authorization code\",\n  nonce: \"your nonce value\", // optional\n  state: \"your state value\", // optional\n  id_token: \"your id token\", // optional\n});\n```\n\n#### `exchangeCodeForTokens`\n\nAfter a user has successfully authorised they will be redirected to your redirect_uri with an authorization code. You can use this method to retrieve access, refresh and id tokens for the user.\n\nThe signature for this method changed in v3.\nThe previous function is available at 'exchangeCodeForTokensLegacy'\n\nThis method requires an object with two properties:\n\n- `paramsFromCallback` : an object with all the params received at your redirect uri\n- `localParams` : an object with params that you have in the local session for the user.\n- `pkce` : optional hook to retrieve a stored `code_verifier` server-side (see below)\n\n```javascript\nconst tokens = await moneyhub.exchangeCodeForTokens({\n  paramsFromCallback: {\n    \"code\": \"the auth code\",\n    \"id_token\": \"the id_token\", // when code id_token response type is used\n    \"state\": \"state\",\n  },\n  localParams: {\n    \"state\": \"state\", // this must be from the local session not the redirect uri\n    \"nonce\": \"nonce\", // this must be from the local session\n    \"sub\": \"the user id\", // optional, but without this param, requests where there are missing cookies will fail\n    \"max_age\", // optional, not normally required\n    \"response_type\" // recommended to enhance securirty\n    \"code_verifier\" // required if PKCE is used (or use pkce.consumeVerifier)\n  }\n})\n\n// FAPI 2 / server-side PKCE — retrieve and delete stored verifier keyed by state\nconst tokens = await moneyhub.exchangeCodeForTokens({\n  paramsFromCallback: { code, state },\n  localParams: { state, nonce, sub: userId, response_type: \"code\" },\n  pkce: {\n    consumeVerifier: async ({ state }) => consumeVerifierServerSide(state),\n  },\n})\n```\n\n#### `getClientCredentialTokens`\n\nUse this to get a client credentials access token.\n\n```javascript\nconst tokens = await moneyhub.getClientCredentialTokens({\n  scope: \"the-required-scope\",\n  sub: \"the user id\", // optional\n});\n```\n\n#### `refreshTokens`\n\nUse this to get a new access token using a refresh token\n\n```javascript\nconst tokens = await moneyhub.refreshTokens({\n  refreshToken: \"refresh-token\",\n});\n```\n\n### Auth Request URI\n\n#### `requestObject`\n\nCreates a request object\n\n```javascript\nconst tokens = await moneyhub.requestObject({\n  scope: \"the-required-scope\",\n  state: \"state\",\n  nonce: \"nonce\",\n  claims: claimsObject,\n});\n```\n\n#### `getRequestUri`\n\nUse this to create a request uri from a request object\n\n```javascript\nconst requestUri = await moneyhub.getRequestUri(requestObject);\n```\n\n#### `getAuthorizeUrlFromRequestUri`\n\nUse this to retrieve an authorization url from a request uri\n\n```javascript\nconst url = await moneyhub.getAuthorizeUrlFromRequestUri({\n  requestUri: \"request-uri\",\n});\n```\n\n### Auth Requests\n\n#### `createAuthRequest`\n\nCreates a connection auth request\n\n```javascript\nconst tokens = await moneyhub.createAuthRequest({\n  redirectUri: \"redirect-uri\",\n  userId: \"user-id\",\n  scope: \"openid 1ffe704d39629a929c8e293880fb449a\", // replace bank id with the bank you want to connect to\n  categorisationType: \"personal\", // optional - defaults to personal\n  permissions: [\"ReadBeneficiariesDetail\"], // optional - set of extra permissions to set for auth request\n  permissionsAction: \"replace\" // optional - replace default consent permissions. Defaults to \"add\"\n});\n```\n\nCreates a reauth auth request\n\n```javascript\nconst tokens = await moneyhub.createAuthRequest({\n  redirectUri: \"redirect-uri\",\n  userId: \"user-id\",\n  connectionId: \"connection-id\",\n  scope: \"openid reauth\",\n});\n```\n\nCreates a refresh auth request\n\n```javascript\nconst tokens = await moneyhub.createAuthRequest({\n  redirectUri: \"redirect-uri\",\n  userId: \"user-id\",\n  connectionId: \"connection-id\",\n  scope: \"openid refresh\",\n});\n```\n\nCreates a payment auth request\n\n```javascript\nconst tokens = await moneyhub.createAuthRequest({\n  redirectUri: \"redirect-uri\",\n  userId: \"user-id\",\n  connectionId: \"connection-id\",\n  scope: \"openid payment\",\n  payment: {\n    payeeId: \"payee-id\",\n    amount: 200,\n    payeeRef: \"Payee ref\",\n    payerRef: \"Payer ref\",\n  },\n});\n```\n\nCreates a reverse payment auth request\n\n```javascript\nconst tokens = await moneyhub.createAuthRequest({\n  redirectUri: \"redirect-uri\",\n  userId: \"user-id\",\n  connectionId: \"connection-id\",\n  scope: \"openid reverse_payment\",\n  reversePayment: {\n    paymentId: \"payment-id\",\n  },\n});\n```\n\n#### `completeAuthRequest`\n\nCompletes an auth request successfully\n\n```javascript\nconst tokens = await moneyhub.completeAuthRequest({\n  id: \"auth-request-id\",\n  authParams: {\n    code: \"code\"\n    state: \"state\",\n    \"id_token\": \"idToken\",\n  }\n})\n```\n\nCompletes an auth request with an error\n\n```javascript\nconst tokens = await moneyhub.completeAuthRequest({\n  id: \"auth-request-id\",\n  authParams: {\n    error: \"error-code\",\n    error_description: \"error description\",\n  },\n});\n```\n\n#### `getAllAuthRequests`\n\nRetrieves auth requests\n\n```javascript\nconst tokens = await moneyhub.getAllAuthRequests({\n  limit: 10, // optional\n  offset: 0, // optional\n});\n```\n\n#### `getAuthRequest`\n\nRetrieve a single auth request\n\n```javascript\nconst tokens = await moneyhub.getAuthRequest({\n  id: \"auth-request-id\",\n});\n```\n\n### User Management\n\n#### `registerUser`\n\nHelper method that gets the correct client credentials access token and then registers a user.\n\n```javascript\nconst user = await moneyhub.registerUser({\n  clientUserId: \"your user id\", // optional\n});\n```\n\n#### `getUsers`\n\nReturns all the users registered for your api-client\n\n```javascript\nconst users = await moneyhub.getUsers({\n  limit,\n  offset,\n  isDemo,\n});\n```\n\n#### `getUser`\n\nGet a single user by their id\n\n```javascript\nconst user = await moneyhub.getUser({\n  userId: \"user-id\",\n});\n```\n\n#### `deleteUser`\n\nHelper method that gets the correct client credentials access token and then deletes a user.\n\n```javascript\nconst user = await moneyhub.deleteUser({\n  userId: \"user-id\",\n});\n```\n\n### User Connections\n\n#### `getUserConnections`\n\nHelper method that gets the correct client credentials access token and then gets all user connections.\n\n```javascript\nconst user = await moneyhub.getUserConnections({\n  userId: \"user-id\",\n}, options);\n```\n\n#### `syncUserConnection`\n\nSync an existing user connection. This process will fetch the latest balances and transactions of the accounts attached to the connection. This method only returns the status of the syncing.\n\n```javascript\nconst tokens = await moneyhub.syncUserConnection({\n  userId,\n  connectionId,\n  customerIpAddress, // optional\n  customerLastLoggedTime, // optional\n  enableAsync, // optional\n}, options);\n```\n\n#### `deleteUserConnection`\n\nHelper method that gets the correct client credentials access token and then deletes a user connection.\n\n```javascript\nconst user = await moneyhub.deleteUserConnection({\n  userId: \"user-id\",\n  connectionId: \"connection-id\",\n}, options);\n```\n\n#### `getConnectionSyncs`\n\nRetrieve the syncs for a given connection ID.\n\n```javascript\nconst syncs = await moneyhub.getConnectionSyncs({\n  userId: \"user-id\",\n  connectionId: \"connection-id\",\n  params: {\n    limit: 10,\n    offset: 0,\n  },\n}, options);\n```\n\n#### `getUserSyncs`\n\nRetrieve the syncs for a given connection ID.\n\n```javascript\nconst syncs = await moneyhub.getUserSyncs({\n  userId: \"user-id\",\n  params: {\n    limit: 10,\n    offset: 0,\n  },\n}, options);\n```\n\n#### `getSync`\n\nRetrieve the syncs for the given sync ID.\n\n```javascript\nconst syncs = await moneyhub.getSync({\n  userId: \"user-id\",\n  syncId: \"sync-id\",\n}, options);\n```\n\n#### `updateUserConnection`\n\nHelper method that updates a connection. Requires scope `user:update`. Currently only the consent can be updated by updating the `expiresAt` field. This field should be a valid date-time ISO string and not be more than 90 days away. This method can only be used by those clients that have bypassed consent (the `Enforce user consent` option in the Admin Portal). If successful returns a 204.\n\n```javascript\nconst user = await moneyhub.updateUserConnection({\n  userId: \"user-id\",\n  connectionId: \"connection-id\",\n  expiresAt: \"2022-06-26T09:43:16.318+00:00\"\n}, options)\n```\n\n### SCIM User Management\n\nRegisters a SCIM user.\n\n```javascript\nconst user = await moneyhub.registerSCIMUser({\n  externalId: \"your user id\", \n  name: {\n    givenName: \"Andrea\",\n    familyName: \"Hedley\"\n  },\n  emails: [{\n    value: \"andrea.hedley@moneyhub.com\"\n  }]\n});\n```\n\nFetch a SCIM user.\n\n```javascript\nconst user = await moneyhub.getSCIMUser({\n  userId: \"userId\"\n});\n```\n\n### Data API\n\n#### `getAccounts`\n\nGet all accounts for a user. This function uses the scope `accounts:read`.\n\n```javascript\nconst queryParams = { limit: 10, offset: 5 , showTransacionData: false, showPerformanceScore: true};\nconst accounts = await moneyhub.getAccounts({\n  userId: \"userId\",\n  params: queryParams,\n}, options);\n```\n\n#### `getAccountsWithDetails`\n\nGet all accounts for a user including extra details (sort code, account number, account holder name). This function uses the scopes `accounts:read accounts_details:read`.\n\n```javascript\nconst queryParams = { limit: 10, offset: 5 };\nconst accounts = await moneyhub.getAccountsWithDetails({\n  userId: \"userId\",\n  params: queryParams,\n}, options);\n```\n\n#### `getAccountsList`\n\nSimilar to getAccounts method, however this method does not return `transactionData` and `performanceScore` by default meaning data can be retrieved more quickly. These fields can still be returned on from this method by using `showTransacionData` and `showPerformanceScore` query params. This function uses the scope `accounts:read`.\n\n```javascript\nconst queryParams = { limit: 10, offset: 5 , showTransacionData: false, showPerformanceScore: true};\nconst accounts = await moneyhub.getAccountsList({\n  userId: \"userId\",\n  params: queryParams,\n}, options);\n```\n\n#### `getAccountsListWithDetails`\n\nSimilar to getAccountsWithDetails method, however this method does not return `transactionData` and `performanceScore` by default meaning data can be retrieved more quickly. These fields can still be returned on from this method by using `showTransacionData` and `showPerformanceScore` query params. This function uses the scopes `accounts:read accounts_details:read`.\n\n```javascript\nconst queryParams = { limit: 10, offset: 5 };\nconst accounts = await moneyhub.getAccountsListWithDetails({\n  userId: \"userId\",\n  params: queryParams,\n}, options);\n```\n\n#### `getAccount`\n\nGet a single account for a user by the accountId. This function uses the scope `accounts:read`.\n\n```javascript\nconst account = await moneyhub.getAccount({\n  userId: \"userId\",\n  accountId: \"accountId\",\n}, options);\n```\n\n#### `getAccountWithDetails`\n\nGet a single account for a user by the accountId including extra details (sort code, account number, account holder name). This function uses the scope `accounts:read accounts_details:read`.\n\n```javascript\nconst account = await moneyhub.getAccountWithDetails({\n  userId: \"userId\",\n  accountId: \"accountId\",\n}, options);\n```\n\n#### `getAccountBalances`\n\nGet account balances for a user. This function uses the scope `accounts:read`.\n\n```javascript\nconst account = await moneyhub.getAccountBalances({\n  userId: \"userId\",\n  accountId: \"accountId\",\n}, options);\n```\n\n#### `getAccountHoldings`\n\nGet account holdings for a user. This function uses the scope `accounts:read`.\n\n```javascript\nconst account = await moneyhub.getAccountHoldings({\n  userId: \"userId\",\n  accountId: \"accountId\",\n}, options);\n```\n\n#### `getAccountHoldingsWithMatches`\n\nGet account holdings with ISIN codes matchers for a user. This function uses the scope `accounts:read`.\n\n```javascript\nconst account = await moneyhub.getAccountHoldingsWithMatches({\n  userId: \"userId\",\n  accountId: \"accountId\",\n}, options);\n```\n\n#### `getAccountHolding`\n\nGet a single holding from a user's account. This function uses the scope `accounts:read`.\n\n```javascript\nconst account = await moneyhub.getAccountHolding({\n  userId: \"userId\",\n  accountId: \"accountId\",\n  holdingId: \"holdingId\",\n}, options);\n```\n\n#### `getAccountCounterparties`\n\nGet account counterparties for a user. This function uses the scope `accounts:read transactions:read`.\n\n```javascript\nconst account = await moneyhub.getAccountCounterparties({\n  userId: \"userId\",\n  accountId: \"accountId\",\n  params: {\n    counterpartiesVersion: \"v3\",\n  },\n}, options);\n```\n\n#### `getAccountRecurringTransactions`\n\nGet account recurring transactions for a user. This function uses the scope `accounts:read transactions:read`.\n\n```javascript\nconst account = await moneyhub.getAccountRecurringTransactions({\n  userId: \"userId\",\n  accountId: \"accountId\",\n}, options);\n```\n\n#### `getAccountStandingOrders`\n\nGet the standing orders for an account. This function uses the scope `standing_orders:read` and a connection with `ReadStandingOrdersBasic` permission.\n\n```javascript\nconst standingOrders = await moneyhub.getAccountStandingOrders({\n  userId: \"userId\",\n  accountId: \"accountId\",\n}, options);\n```\n\n#### `getAccountStandingOrdersWithDetail`\n\nGet the standing orders with detail (payee information) for an account. This function uses the scope `standing_orders_detail:read` and a connection with `ReadStandingOrdersDetail` permission.\n\n```javascript\nconst standingOrders = await moneyhub.getAccountStandingOrdersWithDetail({\n  userId: \"userId\",\n  accountId: \"accountId\",\n}, options);\n```\n\n#### `getAccountStatements`\n\nGet the statements for an account. This function uses the scope `statements_basic:read` and a connection with `ReadStatementsBasic` permission.\n\n```javascript\nconst statements = await moneyhub.getAccountStatements({\n  userId: \"userId\",\n  accountId: \"accountId\",\n}, options);\n```\n\n#### `getAccountStatementsWithDetail`\n\nGet the statements with detail for an account. This function uses the scope `statements_detail:read` and a connection with `ReadStatementsDetail` permission.\n\n```javascript\nconst statements = await moneyhub.getAccountStatementsWithDetail({\n  userId: \"userId\",\n  accountId: \"accountId\",\n}, options);\n```\n\n#### `getStandardFinancialStatements`\n\nList standard financial statement reports for a user (Money Advice Service schema metadata). Uses the scope `standard_financial_statement:read`.\n\n```javascript\nconst statements = await moneyhub.getStandardFinancialStatements({\n  userId: \"userId\",\n  params: {limit: 10, offset: 0},\n}, options);\n```\n\n#### `getStandardFinancialStatement`\n\nGet a single standard financial statement report by id. Uses the scope `standard_financial_statement:read`.\n\n```javascript\nconst statement = await moneyhub.getStandardFinancialStatement({\n  userId: \"userId\",\n  reportId: \"reportId\",\n}, options);\n```\n\n#### `createAccount`\n\nCreate a manual account for a user. This function uses the scopes `accounts:read accounts:write:all`\n\n```javascript\nconst account = await moneyhub.createAccount({\n  userId: \"userId\",\n  account: {\n    accountName: \"Account name\",\n    providerName: \"Provider name\",\n    type: \"cash:current\",\n    accountType: \"personal\",\n    balance: {\n      date: \"2018-08-12\",\n      amount: {\n        value: 300023,\n      },\n    },\n  },\n}, options);\n```\n\n#### `deleteAccount`\n\nDelete a manual account for a user. This function uses the scope `accounts:write:all`\n\n```javascript\nconst result = await moneyhub.deleteAccount({\n  userId: \"userId\",\n  accountId: \"accountId\",\n}, options);\n```\n\n#### `addAccountBalance`\n\nAdd a balance to a manual account. This function uses the scope `accounts:read accounts:write:all`\n\n```javascript\nconst result = await moneyhub.addAccountBalance({\n  userId: \"userId\",\n  accountId: \"accountId\",\n  balance: {\n    amount: {\n      value: 123\n    },\n    date: \"2022-01-01\",\n  }\n}, options);\n```\n\n#### `updateAccount`\n\nUpdate manual account. This function uses the scope `accounts:read accounts:write:all`\n\n```javascript\nconst result = await moneyhub.updateAccount({\n  userId: \"userId\",\n  accountId: \"accountId\",\n  account: {\n    accountName: \"accountName\",\n    providerName: \"providerName\"\n    details: {}\n  }\n}, options);\n```\n\n#### `getTransactions`\n\nGet all transactions for a user that have been enhanced with our data-enrichment engine. This function uses the scope `transactions:read:all`..\n\n```javascript\nconst queryParams = { limit: 10, offset: 5 };\nconst transactions = await moneyhub.getTransactions({\n  userId: \"userId\",\n  params: queryParams,\n}, options);\n```\n\n#### `getTransaction`\n\nGet a transaction by ID for a user that has been enhanced with our data-enrichment engine. This function uses the scope `transactions:read:all`..\n\n```javascript\nconst transactions = await moneyhub.getTransaction({\n  userId: \"userId\",\n  transactionId: \"transactionId\",\n}, options);\n```\n\n#### `getUnenrichedTransactions`\n\nGet all unenriched transactions for a user. This function uses the scope `transactions_unenriched:read:all`..\n\n```javascript\nconst queryParams = { limit: 10, offset: 5 };\nconst transactions = await moneyhub.getUnenrichedTransactions({\n  userId: \"userId\",\n  params: queryParams,\n}, options);\n```\n\n#### `getUnenrichedTransaction`\n\nGet an unenriched transaction by ID for a user. This function uses the scope `transactions_unenriched:read:all`..\n\n```javascript\nconst transactions = await moneyhub.getUnenrichedTransaction({\n  userId: \"userId\",\n  transactionId: \"transactionId\",\n}, options);\n```\n\n#### `updateTransaction`\n\nUpdate a transaction by ID for a user. This function uses the scopes `transactions:read:all transactions:write:all`..\n\n```javascript\nconst transactions = await moneyhub.updateTransaction({\n  userId: \"userId\",\n  transactionId: \"transactionId\",\n  transaction: {\n    amount: {\n      value: 10,\n    },\n  },\n}, options);\n```\n\n#### `addTransaction`\n\nAdd a transaction for a user. Please note, transaction must belong to an account that is transaction-able. This function uses the scopes `transactions:read:all transactions:write:all`..\n\n```javascript\nconst transactions = await moneyhub.addTransaction({\n  userId: \"userId\",\n  transaction: {\n    amount: {\n      value: 10,\n    },\n  },\n}, options);\n```\n\n#### `addTransactions`\n\nAdd up to 50 transactions for a user. Please note, transaction must belong to an account that is transaction-able. This function uses the scopes `transactions:read:all transactions:write:all`.\n\n```javascript\nconst transactions = await moneyhub.addTransactions({\n  userId: \"userId\",\n  transactions: [\n    {\n      amount: {\n        value: 10,\n      },\n    },\n    {\n      amount: {\n        value: 25,\n      },\n    },\n  ],\n  params: {\n    categorise: true, // optional - enable categorisatio for transactions\n  },\n}, options);\n```\n\n#### `deleteTransaction`\n\nDelete a transaction for a user. This function uses the scopes `transactions:write:all`..\n\n```javascript\nconst result = await moneyhub.deleteTransaction({\n  userId: \"userId\",\n  id: \"transactionId\",\n}, options);\n```\n\n#### `getBeneficiaries`\n\nGet all beneficiaries for a user. This function uses the scope `beneficiaries:read`\n\n```javascript\nconst queryParams = { limit: 10, offset: 5 };\nconst beneficiaries = await moneyhub.getBeneficiaries({\n  userId: \"userId\",\n  params: queryParams,\n}, options);\n```\n\n#### `getBeneficiariesWithDetail`\n\nGet all beneficiaries for a user, including beneficiary detail. This function uses the scope `beneficiaries_detail:read`\n\n```javascript\nconst queryParams = { limit: 10, offset: 5 };\nconst beneficiaries = await moneyhub.getBeneficiariesWithDetail({\n  userId: \"userId\",\n  params: queryParams,\n}, options);\n```\n\n#### `getBeneficiary`\n\nGet a beneficiary for a user. This function uses the scope `beneficiaries:read`\n\n```javascript\nconst beneficiary = await moneyhub.getBeneficiary({\n  userId: \"userId\",\n  id: \"beneficiaryId\",\n}, options);\n```\n\n#### `getBeneficiaryWithDetail`\n\nGet a beneficiary for a user, including beneficiary detail. This function uses the scope `beneficiaries_detail:read`\n\n```javascript\nconst beneficiary = await moneyhub.getBeneficiaryWithDetail({\n  userId: \"userId\",\n  id: \"beneficiaryId\",\n}, options);\n```\n\n#### `addFileToTransaction`\n\nAdd an attachment to a transaction. This call requires an access token with a scope that allows it to read and write transactions. The third parameter must be a stream, and the size of the file being uploaded can be of max size 10MB.\n\n```javascript\nconst file = await money.addFileToTransaction({\n  userId: \"userId\",\n  transactionId: \"transactionId\",\n  fileName: \"file-name\",\n  fileData: fs.createReadStream(\"path/to/file.png\"),\n}, options);\n```\n\n#### `getTransactionFiles`\n\nGet all attachments associated with a transaction. This call requires an access token with a scope that allows it to read transactions.\n\n```javascript\nconst files = await money.getTransactionFiles({\n  userId: \"userId\",\n  transactionId: \"transactionId\",\n}, options);\n```\n\n#### `getTransactionFile`\n\nGet an attachment associated with a transaction. This call requires an access token with a scope that allows it to read transactions.\n\n```javascript\nconst files = await money.getTransactionFile({\n  userId: \"userId\",\n  transactionId: \"transactionId\",\n  fileId: \"fileId\",\n}, options);\n```\n\n#### `deleteTransactionFile`\n\nDelete an attachment associated with a transaction. This call requires an access token with a scope that allows it to read and write transactions.\n\n```javascript\nawait money.deleteTransactionFile({\n  userId: \"userId\",\n  transactionId: \"transactionId\",\n  fileId: \"fileId\",\n}, options);\n```\n\n#### `splitTransaction`\n\nSplit up a transaction into different categories and/or projects.\n\n```javascript\nconst splits = await moneyhub.splitTransaction({\n  userId: \"userId\",\n  transactionId: \"transactionId\",\n  splits: [\n    {\n      categoryId: \"std:5a7ff1f3-cd2c-4676-a368-caf09f2ca35a\",\n      description: \"Split 1\",\n      amount: -6000,\n    },\n    {\n      categoryId: \"std:eac238ec-3899-49ff-8cce-e3b9f4b1aede\",\n      description: \"Split 2\",\n      amount: -4000,\n    },\n  ],\n}, options);\n```\n\n#### `getTransactionSplits`\n\nGet a transactions splits.\n\n```javascript\nconst splits = await moneyhub.getTransactionSplits({\n  userId: \"userId\",\n  transactionId: \"transactionId\",\n}, options);\n```\n\n#### `patchTransactionSplit`\n\nUpdate a transaction's split's description, categoryId or projectId.\n\n```javascript\nconst splits = await moneyhub.patchTransactionSplit({\n  userId: \"userId\",\n  transactionId: \"transactionId\",\n  split: {\n    description: \"New description\",\n  },\n}, options);\n```\n\n#### `deleteTransactionSplits`\n\nDelete a transaction's splits and merge them back together.\n\n```javascript\nconst splits = await moneyhub.deleteTransactionSplits({\n  userId: \"userId\",\n  transactionId: \"transactionId\",\n}, options);\n```\n\n#### `getOsipAccounts`\n\nGet all accounts for a user. This function uses the scope `osip:read`.\n\n```javascript\nconst queryParams = { limit: 10, offset: 5 };\nconst accounts = await moneyhub.getOsipAccounts({\n  userId: \"userId\",\n  params: queryParams,\n});\n```\n\n#### `getOsipAccount`\n\nGet an account for a user. This function uses the scope `osip:read`.\n\n```javascript\nconst account = await moneyhub.getOsipAccount({\n  userId: \"userId\",\n  accountId: \"accountId\",\n});\n```\n\n#### `getOsipAccountHoldings`\n\nGet account holdings for an account. This function uses the scope `osip:read`.\n\n```javascript\nconst queryParams = { limit: 10, offset: 5 };\nconst holdings = await moneyhub.getOsipAccountHoldings({\n  userId: \"userId\",\n  accountId: \"accountId\",\n  params: queryParams,\n});\n```\n\n#### `getOsipAccountTransactions`\n\nGet account transactions. This function uses the scope `osip:read`.\n\n```javascript\nconst queryParams = { limit: 10, offset: 5 };\nconst transactions = await moneyhub.getOsipAccountTransactions({\n  userId: \"userId\",\n  accountId: \"accountId\",\n  params: queryParams,\n});\n```\n\n#### `getGlobalCounterparties`\n\nGet global counterparties.\n\n```javascript\nconst accounts = await moneyhub.getGlobalCounterparties();\n```\n\n#### `categoriseTransactions`\n\nReturns categories for a given list of transactions. This function uses the scope `categorisation`.\n\n```javascript\nconst data = await moneyhub.categoriseTransactions({\n    accountId: \"b72f2a5d-c43f-4db1-8143-6f6682ac132c\",\n    accountType: \"cash\",\n    transactions: [\n      {\n        id: \"b72f2a5d-c43f-4db1-8143-6f6682ac132c\",\n        description: \"Amazon\",\n        amount: {\n          value: -3000,\n        },\n        date: \"2025-05-02T15:50:19.603Z\",\n        proprietaryTransactionCode: \"DEBIT\",\n        merchantCategoryCode: \"OT42\"\n      },\n    ],\n  })\n```\n\n#### `getCategories`\n\nGet all categories for a user. This function uses the scope `categories:read`.\n\n```javascript\nconst categories = await moneyhub.getCategories({\n  userId: \"userId\",\n  params: {\n    type: \"personal\", // optional personal|business\n  },\n}, options);\n```\n\n#### `getCategory`\n\nGet a single category for a user. This function uses the scope `categories:read`.\n\n```javascript\nconst category = await moneyhub.getCategory({\n  userId: \"userId\",\n  categoryId: \"categoryId\",\n}, options);\n```\n\n#### `getCategoryGroups`\n\nGet all category groups for a user. This function uses the scope `categories:read`.\n\n```javascript\nconst categoryGroups = await moneyhub.getCategoryGroups({\n  userId: \"userId\",\n  params: {\n    type: \"personal\", // optional personal|business\n  },\n}, options);\n```\n\n#### `getStandardCategories`\n\nGet standard categories.\n\n```javascript\nconst categories = await moneyhub.getStandardCategories({\n  params: {\n    type: \"personal\", // optional personal|business|all\n  },\n}, options);\n```\n\n#### `getStandardCategoryGroups`\n\nGet standard categories.\n\n```javascript\nconst categoryGroups = await moneyhub.getStandardCategoryGroups({\n  params: {\n    type: \"personal\", // optional personal|business|all\n  },\n}, options);\n```\n\n#### `createCustomCategory`\n\nCreate a custom category. This function uses the scopes `categories:read categories:write`.\n\n```javascript\n\nconst category = await moneyhub.createCustomCategory({\n  userId: \"userId\",\n  category: {\n    group: \"group:1\"\n    name: \"custom-category\",\n    },\n  }, options)\n```\n\n### Spending analysis\n\n#### `getSpendingAnalysis`\n\nThis method returns the spending analysis for the given dates. This function uses the scope `spending_analysis:read`\n\n```javascript\nconst projects = await moneyhub.getSpendingAnalysis({\n  userId: \"userId\",\n  dates: [\n    {\n      name: \"currentMonth\",\n      from: \"2018-10-01\",\n      to: \"2018-10-31\",\n    },\n    {\n      name: \"previousMonth\",\n      from: \"2018-09-01\",\n      to: \"2018-09-30\",\n    },\n  ],\n  accountIds: [\"ac9bd177-d01e-449c-9f29-d3656d2edc2e\"], // optional\n  categoryIds: [\"std:338d2636-7f88-491d-8129-255c98da1eb8\"], // optional\n}, options);\n```\n\n### Projects\n\n#### `getProjects`\n\nThis method returns a list of projects. This function uses the scope `projects:read`\n\n```javascript\nconst projects = await moneyhub.getProjects({\n  userId: \"userId\",\n  params: {\n    limit: \"limit\", // optional\n    offset: \"offset\", // optional\n  }, // optional\n}, options);\n```\n\n#### `getProject`\n\nGet a single project for a user by the projectId. This function uses the scope `projects:read`.\n\n```javascript\nconst project = await moneyhub.getProject({\n  userId: \"userId\",\n  projectId: \"projectId\",\n}, options);\n```\n\n#### `addProject`\n\nCreate a new project for a user. This function uses the scope `projects.write`. This will return the new project.\n\n```javascript\nconst project = await moneyhub.addProject({\n  userId: \"userId\",\n  project: {\n    name: \"Project Name\",\n    accountIds: \"id1,id2\", // comma-separated list of account IDs\n    type: \"PropertyProject\",\n  },\n}, options);\n```\n\n#### `updateProject`\n\nUpdate a project for a user. This function uses the scope `projects.write`. This will return the newly updated project.\n\n```javascript\nconst project = await moneyhub.updateProject({\n  userId: \"userId\",\n  projectId: \"projectId\",\n  project: {\n    name: \"Updated Project Name\",\n    accountIds: \"id1,id2\", // comma-separated list of account IDs\n    type: \"PropertyProject\",\n    archived: false,\n  },\n}, options);\n```\n\n#### `deleteProject`\n\nDelete a project for a user given a project ID. This function uses the scope `projects.delete`.\n\n```javascript\nconst result = await moneyhub.deleteProject({\n  userId: \"userId\",\n  projectId: \"projectId\",\n});\n```\n\n### Tax Return\n\n#### `getTaxReturn`\n\nGet a tax return object for a subset of transactions. This makes use of the `enhancedCategories` on transactions. This functions uses the scope `tax:read`\n\n```javascript\nconst result = await moneyhub.getTaxReturn({\n  userId: \"userId\",\n  params: {\n    startDate: \"2020-01-01\",\n    endDate: \"2020-02-01\",\n    accountId: \"accountId\",\n    projectId: \"projectId\",\n  },\n}, options);\n```\n\n### Payments\n\n#### `getPaymentAuthorizeUrl`\n\nThis is a helper function that returns an authorize url to authorize a payment to the payee with the bank selected. This function uses the following scope with the value of the bankId provided `payment openid id:${bankId}`. It also requires the authentication to be `client_secret_jwt` or `private_key_jwt`.\n\n```javascript\nconst url = await moneyhub.getPaymentAuthorizeUrl({\n  bankId: \"Bank id to authorise payment from\", // required\n  payeeId: \"Id of payee\", // required or payee\n  payee: \"Details of payee to create\", // required or payeeId\n  payeeType: \"Payee type [api-payee|mh-user-account]\", // optional - defaults to api-payee\n  payerType: \"Payer type [mh-user-account | api-payer]\", // required only if payerId or payer is used\n  payerId: \"Id of payer\", // required only if payerType is defined as mh-user-account\n  payer: \"Details of payer to use\", // required if using api-payer for payerType\n  amount: \"Amount in pence to authorize payment\",\n  payeeRef: \"Payee reference\",\n  payerRef: \"Payer reference\",\n  payerName: \"Payer Name\", // optional\n  payerEmail: \"Payer Email\", // optional\n  state: \"your state value\",\n  nonce: \"your nonce value\", // optional\n  context: \"Payment context [Other,BillPayment,PartyToParty]\", // optional - defaults to PartyToParty\n  userId: \"Moneyhub API User ID you wish to attach to the payment\", // optional\n  claims: claimsObject, // optional\n});\n\n// Scope used with the bankId provided\nconst scope = `payment openid id:${bankId}`;\n\n// Default claims if none are provided\nconst defaultClaims = {\n  id_token: {\n    \"mh:con_id\": {\n      essential: true,\n    },\n    \"mh:payment\": {\n      essential: true,\n      value: {\n        amount,\n        payeeRef,\n        payerRef,\n        payeeId,\n        payeeType,\n        payerId,\n        payerType,\n        payerName,\n        payerEmail,\n      },\n    },\n  },\n};\n```\n\n#### `getReversePaymentAuthorizeUrl`\n\nThis is a helper function that returns an authorize url to authorize a reverse payment for a payment that is reversible. This function uses the following scope with the value of the bankId provided `reverse_payment openid id:${bankId}`. It also requires the authentication to be `client_secret_jwt` or `private_key_jwt`.\n\n```javascript\nconst url = await moneyhub.getReversePaymentAuthorizeUrl({\n  bankId: \"Bank id to authorise payment from\",\n  paymentId: \"Id of payment to reverse\",\n  state: \"your state value\",\n  amount: \"reverse payment amount\" // optional\n  nonce: \"your nonce value\", // optional\n  claims: claimsObject, // optional\n  payerType: \"Payer type [mh-user-account | api-payer]\", // required only if payerId or payer is used\n  payerId: \"payer id that will make the payment\", // required if using mh-user-account for payerType\n  payer: \"Details of payer to use\", // required if using api-payer for payerType\n})\n\n// Scope used with the bankId provided\nconst scope = `reverse_payment openid id:${bankId}`\n\n// Default claims if none are provided\nconst defaultClaims = {\n  id_token: {\n    \"mh:con_id\": {\n      essential: true,\n    },\n    \"mh:payment\": {\n      essential: true,\n    },\n    \"mh:reversePayment\": {\n      essential: true,\n      value: {\n        paymentId\n      },\n    },\n  },\n}\n```\n\n#### `addPayee`\n\nThis method will add a Payee. This will return an id that it is\nrequired to be used as `payeeId` when initiating a payment. This function uses the scope `payee:create`\n\n```javascript\nconst payee = await moneyhub.addPayee({\n  accountNumber: \"your account number\",\n  sortCode: \"your sort code\",\n  name: \"name of Payee\",\n  externalId: \"your external id\",\n});\n```\n\n#### `getPayees`\n\nThis method returns a list of registered payees. This function uses the scope `payee:read`\n\n```javascript\nconst payees = await moneyhub.getPayees({\n  limit: \"limit\", // optional\n  offset: \"offset\", // optional\n  userId: \"user-id\", // optional\n  hasUserId: true, // optional\n});\n```\n\n#### `getPayee`\n\nGet a single registered payee by id. This function uses the scope `payee:read`.\n\n```javascript\nconst payee = await moneyhub.getPayee({\n  id: \"payee-id\",\n});\n```\n\nExample script: `node examples/payments/get-payee.js -i payee-id`.\n\n#### `getPayments`\n\nThis method returns a list of initiated payments. This function uses the scope `payment:read`\n\n```javascript\nconst payments = await moneyhub.getPayments({\n  limit: \"limit\", // optional\n  offset: \"offset\", // optional\n  userId: \"user-id\", // optional\n  payeeId: \"payee-id\", // optional\n  startDate: \"2020-01-01\", // optional\n  endDate: \"2020-12-31\", // optional\n});\n```\n\n#### `getPayment`\n\nGet a single payment by its id . This function uses the scope `payment:read`\n\n```javascript\nconst paymentData = await moneyhub.getPayment({\n  id: \"payment-id\",\n});\n```\n\n#### `getPaymentFromIDToken`\n\nWhen a payment flow is completed and you call `exchangeCodeForTokens`\nyou will receive back an ID Token that contains the payment id. This is a utility function to get the payment data using the id in the ID Token.\n\n```javascript\nconst paymentData = await moneyhub.getPaymentFromIDToken({\n  idToken: \"eyJhbGciOiJSUz...\",\n});\n```\n\n#### `addPayLink`\n\nCreate a pay-link for dynamically created party-to-party payments using your custom themed widget. This function uses the scope `pay_link:create`. You will receive back the pay-link details as well as the pay-link id in the response. With that id you can then render the widget i.e. https://identity.moneyhub.co.uk/widget-pages/widget-id#payLinkId=pay-link-id\n\n```javascript\nconst paymentData = await moneyhub.addPayLink({\n  widgetId: \"Id of the pay-link widget used to render the payment\" // required\n  payee: \"Details of payee to create\", // required or payeeId\n  payerId: \"Id of payer\", // required or payee\n  amount: \"Amount in pence to authorize payment\", // required\n  reference: \"Payee reference\", // required\n  expiresAt: \"ISO Date-time string for pay-link expiry\", // optional\n  endToEndId: \"Unique identifier relevant to the transaction\", // optional\n  useOnce: \"Boolean to indicate if the pay-link can only be consumed once.\" // optional\n});\n```\n\n#### `getPayLink`\n\nGet a single pay-link by its id. This function uses the scope `pay_link:read`.\n\n```javascript\nconst paymentData = await moneyhub.getPayLink({\n  id: \"Id of the pay-link\"\n});\n```\n\n#### `getPayLinks`\n\nThis method returns a list of created pay-links. This function uses the scope `pay_link:read`\n\n```javascript\nconst payments = await moneyhub.getPayLinks({\n  limit: \"limit\", // optional\n  offset: \"offset\", // optional\n  payeeId: \"payee-id\", // optional\n  widgetId: \"widget-id\", // optional\n});\n```\n\n### Standing Orders\n\n#### `getStandingOrderAuthorizeUrl`\n\nThis is a helper function that returns an authorize url to authorize a standng order to the payee with the bank selected. This function uses the following scope with the value of the bankId provided `standing_orders:create openid id:${bankId}`. It also requires the authentication to be `client_secret_jwt` or `private_key_jwt`.\n\n```javascript\nconst url = await moneyhub.getStandingOrderAuthorizeUrl({\n  bankId: \"Bank id to authorise payment from\", // required\n  payeeId: \"Id of payee\", // required or payee\n  payee: \"Details of payee to create\", // required or payeeId\n  payeeType: \"Payee type [api-payee|mh-user-account]\", // optional - defaults to api-payee\n  payerId: \"Id of payer\", // required only if payerType is defined\n  payerType: \"Payer type [mh-user-account]\", // required only if payerId is used\n  reference: \"The reference for standing order\",\n  frequency: {\n    repeat: \"The frequency to repeat the standing order [Daily,Weekly,Monthly]\",\n    day: \"The number of the day on which to repeat the payment\", // required if repeat is Weekly or Monthly\n    week: \"The number of the week on which to repeat the payment\",\n    onlyWorkDays: \"Specifies whether the payment should only be made on working days\",\n  }\n  numberOfPayments: \"The number of payments to complete the standing order\", // required if finalPaymentDate is not specified\n  firstPaymentAmount: \"Amount in pence for the first payment\",\n  recurringPaymentAmount: \"Amount in pence for all repeating payments\", // optional when it is the same as the first amount\n  finalPaymentAmount: \"Amount in pence for the final payment\", // optional when it is the same as the first amount\n  currency: \"The currency code for the standing order amount [GBP]\",\n  firstPaymentDate: \"The date to make the first payment\", // should be in an international format, e.g. 15-MAR-2021 or ISO date\n  recurringPaymentDate: \"The date to make the first repeating payment\",\n  finalPaymentDate: \"The date to make the final payment\", // required if numberOfPayments is not specified\n  state: \"your state value\",\n  nonce: \"your nonce value\", // optional\n  context: \"Payment context [Other,BillPayment,PartyToParty]\", // optional - defaults to PartyToParty\n  claims: claimsObject, // optional\n})\n\n// Scope used with the bankId provided\nconst scope = `standing_orders:create openid id:${bankId}`\n\n// Default claims if none are provided\nconst defaultClaims = {\n  id_token: {\n    \"mh:con_id\": {\n      essential: true,\n    },\n    \"mh:standing_order\": {\n      essential: true,\n      value: {\n        payeeId,\n        payeeType,\n        payerId,\n        payerType,\n        reference,\n        frequency,\n        numberOfPayments,\n        firstPaymentAmount,\n        recurringPaymentAmount,\n        finalPaymentAmount,\n        currency,\n        firstPaymentDate,\n        recurringPaymentDate,\n        finalPaymentDate,\n        context,\n      },\n    },\n  },\n}\n```\n\n#### `getStandingOrders`\n\nThis method returns a list of initiated standing orders. This function uses the scope `payment:read`\n\n```javascript\nconst standingOrders = await moneyhub.getStandingOrders({\n  limit: \"limit\", // optional\n  offset: \"offset\", // optional\n  userId: \"user-id\", // optional\n  payeeId: \"payee-id\", // optional\n  startDate: \"2020-01-01\", // optional\n  endDate: \"2020-12-31\", // optional\n});\n```\n\n#### `getStandingOrder`\n\nGet a single standing order request by its id. This function uses the scope `payment:read`\n\n```javascript\nconst standingOrder = await moneyhub.getStandingOrder({\n  id: \"standing-order-id\",\n});\n```\n\n### Recurring Payments (VRP)\n\n#### `getRecurringPaymentAuthorizeUrl`\n\nThis is a helper function that returns an authorize url to authorize a recurring payment with the selected bank. This function uses the following scope with the value of the bankId provided `recurring_payment:create openid id:${bankId}`. It also requires the authentication to be `client_secret_jwt` or `private_key_jwt`.\n\n```javascript\nconst url = await moneyhub.getRecurringPaymentAuthorizeUrl({\n  bankId: \"Bank id to authorise payment from\",\n  payeeId: \"Id of payee\", // required or payee\n  payee: \"Details of payee to create\", // required or payeeId\n  payeeType: \"Payee type [api-payee|mh-user-account]\", // optional - defaults to api-payee\n  payerId: \"Id of payer\", // requird only if payerType is defined\n  payerType: \"Payer type [mh-user-account]\", // required only if payerId is used\n  reference: \"The reference for recurring payment\",\n  validFromDate: \"The date from which the authorisation is effective\", // should be in an international format, e.g. 15-MAR-2021 or ISO date\n  validToDate: \"The date to which the authorisation is effective\", // should be in an international format, e.g. 15-MAR-2021 or ISO date\n  maximumIndividualAmount: \"The maimum single amount that will be allowed\", // the valid in whole minor units (i.e. pence)\n  currency: \"The currency code for the maxiumum recurring payment amount [GBP]\",\n  periodicLimits: [\n    {\n      amount: \"The maximum amount for this recurring payment limit\", // the valid in whole minor units (i.e. pence)\n      currency: \"The currency code for this recurring payment limit [GBP]\",\n      periodType:\n        \"The period over which the limit is effective [Day, Week, Fortnight, Month, Half-year, Year]\",\n      periodAlignment:\n        \"Specifies whether the period starts on the date of consent creation or lines up with a calendar [Consent, Calendar]\",\n    },\n  ],\n  type: [\n    \"Sweeping\", // Specifies that the recurring payment is for the purpose of sweeping payments\n    \"Other\", // Specifies that the recurring payment is for other payments of another purpose\n  ],\n  context: \"Payment context [Other,BillPayment,PartyToParty]\", // optional - defaults to PartyToParty\n  state: \"your state value\",\n  nonce: \"your nonce value\", // optional\n  claims: claimsObject, // optional\n});\n\n// Scope used with the bankId provided\nconst scope = `recurring_payment:create openid id:${bankId}`;\n\n// Default claims if none are provided\nconst defaultClaims = {\n  id_token: {\n    \"mh:con_id\": {\n      essential: true,\n    },\n    \"mh:recurring_payment\": {\n      essential: true,\n      value: {\n        payeeId,\n        payeeType,\n        payerId,\n        payerType,\n        reference,\n        validFromDate,\n        validToDate,\n        maximumIndividualAmount,\n        currency,\n        periodicLimits,\n        context,\n      },\n    },\n  },\n};\n```\n\n#### `getRecurringPayments`\n\nThis method returns a list of initiated recurring payment consents. This function uses the scope `recurring_payment:read`\n\n```javascript\nconst recurringPayments = await moneyhub.getRecurringPayments({\n  limit: \"limit\", // optional\n  offset: \"offset\", // optional\n  userId: \"user-id\", // optional\n  payeeId: \"payee-id\", // optional\n  startDate: \"2020-01-01\", // optional\n  endDate: \"2020-12-31\", // optional\n});\n```\n\n#### `getRecurringPayment`\n\nThis method gets a recurring payment consent. This function uses the scope `recurring_payment:create`\n\n```javascript\nconst recurringPayment = await moneyhub.getRecurringPayment({\n  recurringPaymentId: \"Id of the recurring payment consent\",\n});\n```\n\n#### `makeRecurringPayment`\n\nThis method creates a payment using the recurring payment consent. This function uses the scope `recurring_payment:create`\n\n```javascript\nconst recurringPayment = await moneyhub.makeRecurringPayment({\n  recurringPaymentId: \"Id of the recurring payment consent\",\n  payment: {\n    payeeId: \"payee-id\", // optional\n    amount: 200,\n    payeeRef: \"Payee ref\",\n    payerRef: \"Payer ref\",\n  },\n});\n```\n\n#### `revokeRecurringPayment`\n\nThis method revokes a recurring payment consent. This function uses the scope `recurring_payment:create`\n\n```javascript\nconst revokedRecurringPayment = await moneyhub.revokeRecurringPayment({\n  recurringPaymentId: \"Id of the recurring payment consent\",\n});\n```\n\n#### `confirmFundsForRecurringPayment`\n\nConfirm that funds are available for a payment under an existing recurring payment consent. This function uses the scope `recurring_payment:funds_confirmation`.\n\n```javascript\nconst fundsConfirmation = await moneyhub.confirmFundsForRecurringPayment({\n  recurringPaymentId: \"Id of the recurring payment consent\",\n  fundsConfirmation: {\n    amount: \"10.00\",\n    currency: \"GBP\",\n  },\n});\n```\n\nExample script: `node examples/recurring-payments/confirm-funds.js -i recurring-payment-id -a 10.00`.\n\n#### `getRegularTransactions`\n\nGet all the regular transactions for a user, there is an option to pass an account ID as a parameter as a filter. This function uses the scope `accounts:read`, `transactions:read:all` and `regular_transactions:read`\n\n```javascript\nconst queryParams = { accountID };\nconst regulartransactions = await moneyhub.getRegularTransactions({\n  userId: \"userId\",\n  params: queryParams,\n}, options);\n```\n\n### Rental records\n\n#### `getRentalRecords`\n\nThis method will return the rental record for the user. Requires the scope `rental_records:read`.\n\n```javascript\nconst getRe","readmeFilename":"readme.md"}