Atlas card, balance and credit data API

Exto Inc. · Banking

Atlas - Rewards Credit Card is Exto Inc.'s Android app for the Atlas Mastercard, a U.S. cash-back credit card issued by partner banks Patriot Bank, N.A. and Academy Bank, N.A. The app carries the whole member relationship: a card application with identity and income verification, physical and virtual card activation with an ATM PIN, card controls that freeze the card or shut off international swipes, a rewards hub with cash-back and sweepstakes, statement and balance repayment, a linked deposit account, paycheck advance up to $500 and the paycheck-linked Smart Pay / Smart Save tools, credit-score tracking across the three bureaus, insurance and shopping perks, and membership tiers (Blue, Gold, Platinum, Black) with a metal card option. Exto markets it to U.S. consumers who want to build credit while earning up to 10% cash back at tens of thousands of merchants, with card, deposit and paycheck-linked tools accessible through the same member account.

Card-ledger records identify a card through card_id and describe it with card_last_four, card_expires_status, card_type and account_status. Virtual-card details add standard_virtual_card_name, virtual_card_cvv and expiration_date; control records express transaction and freeze settings through allow_transactions, international_transactions_enabled and pausedCard. Statement data places unpaid_amount_cents, statement_balance and statement_current_balance alongside statement_due_date, while payment records add payment_amount_cents, payment_date, processing_status and autopay_next_payment_date. Card-operations teams can reconcile freeze and expiry states, and accounting tools can distinguish statement dues from scheduled or still-processing payments.

Deposit data covers deposit_balance, deposit_available_to_withdraw_cents, the daily deposit_running_balance_map, deposit_last_34d_cents and the base versus boosted yields in checking_acc_base_apy and checking_acc_boosted_apy. Payroll-link fields payroll_connect_status, payroll_connect_company_id and payroll_atomic_coauth_status describe connection progress rather than individual paycheck deposits. Membership records separately carry membership_status, cash_advance_limit_cents, cash_advance_balance_cents and cash_advance_next_repayment_date, giving finance tools the available deposit funds, advance limit and repayment schedule to evaluate together.

Credit and application data includes kyc_status, approved_credit_cents, creditScore, base_credit_score, array_credit_score_ts and array_credit_score_decrease_reasons. Consumer-finance dashboards can display the current score, signup baseline, score timestamps and decrease reasons, then compare them with deposit and unpaid-balance changes. openData Studio turns these card, statement, deposit, membership and credit fields into callable open data for card operations, accounting reconciliation and credit-profile monitoring tools.

Screenshots

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

Read card profile
GET /illustrative/v1/card-ledger/member-card openfinance
Hydrates the card tab and activation banner: which plastic or metal card the member holds, its masked last four, expiry state and whether the account is active, paused or closed.
Auth: Signed-in Atlas session. Authorization: Bearer <sessionToken> plus the atlasapikey app-key header.
- card_id
- card_type
- card_name
- card_last_four
- card_expires_status
- cardholderName
- account_status
- physical_card_type
- cardToken
```
GET /illustrative/v1/card-ledger/member-card HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
atlasapikey: <appApiKey>
Accept: application/json
```
```
{
  "card_id": "crd_8f21c",
  "card_type": "physical",
  "card_name": "Atlas Metal",
  "card_last_four": "4417",
  "card_expires_status": "active",
  "cardholderName": "JAMIE RIVERA",
  "account_status": "active",
  "physical_card_type": "metal",
  "cardToken": "<CARD_TOKEN>"
}
```
Read virtual card details
GET /illustrative/v1/card-ledger/virtual-details openfinance
Returns the full virtual-card record behind the virtual cards screen, including the CVV and expiry needed to add the card to a wallet or reveal it in-app.
Auth: Authorization: Bearer <sessionToken> plus atlasapikey.
- card_id
- card_type
- standard_virtual_card_name
- card_last_four
- expiration_date
- virtual_card_cvv
```
GET /illustrative/v1/card-ledger/virtual-details?card_id=crd_v_221 HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
atlasapikey: <appApiKey>
```
```
{
  "card_id": "crd_v_221",
  "card_type": "virtual",
  "standard_virtual_card_name": "Online shopping",
  "card_last_four": "9026",
  "expiration_date": "2029-04-30",
  "virtual_card_cvv": "<CVV>"
}
```

Create virtual card

POST /illustrative/v1/card-ledger/virtual-issuance openfinance

Issues a new standard or single-use virtual card for online spend, returning the new card_id and credentials the app shows immediately after creation.

Auth: Authorization: Bearer <sessionToken> plus atlasapikey.

card_id
card_type
card_name
card_last_four
expiration_date
virtual_card_cvv

POST /illustrative/v1/card-ledger/virtual-issuance HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
atlasapikey: <appApiKey>
Content-Type: application/json

{
  "card_type": "standard",
  "card_name": "Subscriptions"
}

{
  "card_id": "crd_v_556",
  "card_type": "standard",
  "card_name": "Subscriptions",
  "card_last_four": "1148",
  "expiration_date": "2029-11-30",
  "virtual_card_cvv": "<CVV>"
}

Update card controls

POST /illustrative/v1/card-ledger/spending-controls openfinance

Applies the card-controls screen: freeze or unfreeze the card, block swipes and switch international transactions on or off, echoing the stored control state back.

Auth: Authorization: Bearer <sessionToken> plus atlasapikey.

card_id
control_name
allow_transactions
international_transactions_enabled
intl_always_on_status
pausedCard

POST /illustrative/v1/card-ledger/spending-controls HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
atlasapikey: <appApiKey>
Content-Type: application/json

{
  "card_id": "crd_8f21c",
  "allow_transactions": false,
  "international_transactions_enabled": false
}

{
  "card_id": "crd_8f21c",
  "control_name": "freeze",
  "allow_transactions": false,
  "international_transactions_enabled": false,
  "intl_always_on_status": "off",
  "pausedCard": true
}

Set ATM PIN
POST /illustrative/v1/card-ledger/cash-machine-pin openfinance
Sets or changes the four-digit ATM PIN from the card settings screen and returns whether the PIN is now active on the card.
Auth: Authorization: Bearer <sessionToken> plus atlasapikey.
- card_id
- atm_pin_set
- status_code
```
POST /illustrative/v1/card-ledger/cash-machine-pin HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
atlasapikey: <appApiKey>
Content-Type: application/json

{
  "card_id": "crd_8f21c",
  "atm_pin": "<ATM_PIN>"
}
```
```
{
  "card_id": "crd_8f21c",
  "atm_pin_set": true,
  "status_code": "ok"
}
```
Read credit score
GET /illustrative/v1/card-ledger/score-history openfinance
Feeds the credit-score screen and its month-over-month chart: the current score, the baseline at signup, the timestamped score series and the reason list when the score drops.
Auth: Authorization: Bearer <sessionToken> plus atlasapikey.
- creditScore
- base_credit_score
- array_credit_score_ts
- array_credit_score_change_from_last_month
- current_score_ts
- array_credit_score_decrease_reasons
```
GET /illustrative/v1/card-ledger/score-history HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
atlasapikey: <appApiKey>
```
```
{
  "creditScore": 712,
  "base_credit_score": 698,
  "array_credit_score_ts": [
    1756684800,
    1759363200,
    1761955200
  ],
  "array_credit_score_change_from_last_month": 6,
  "current_score_ts": 1761955200,
  "array_credit_score_decrease_reasons": []
}
```
Read unpaid and statement balance
GET /illustrative/v1/card-ledger/statement-dues openfinance
Powers the home unpaid-balance pill and the statement detail: total unpaid amount, the last statement balance, current-cycle spend and the next due date.
Auth: Authorization: Bearer <sessionToken> plus atlasapikey.
- unpaid_amount_cents
- unpaid_balance
- statement_balance
- statement_current_balance
- statement_due_date
- statement_name
```
GET /illustrative/v1/card-ledger/statement-dues HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
atlasapikey: <appApiKey>
```
```
{
  "unpaid_amount_cents": 84215,
  "unpaid_balance": 842.15,
  "statement_balance": 61240,
  "statement_current_balance": 22975,
  "statement_due_date": "2026-11-12",
  "statement_name": "October 2026"
}
```

Pay card balance

POST /illustrative/v1/card-ledger/balance-payments openfinance

Submits a one-off balance payment (or the autopay leg behind the same screen) and returns the scheduled payment amount, funding method and next autopay date.

Auth: Authorization: Bearer <sessionToken> plus atlasapikey; the funding bank account must already be linked through Plaid.

payment_amount_cents
payment_date
payment_method_name
processing_status
autopay_next_payment_date

POST /illustrative/v1/card-ledger/balance-payments HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
atlasapikey: <appApiKey>
Content-Type: application/json

{
  "amount_cents": 25000,
  "payment_method_name": "Chase checking 4412",
  "payment_date": "2026-10-27"
}

{
  "payment_amount_cents": 25000,
  "payment_date": "2026-10-27",
  "payment_method_name": "Chase checking 4412",
  "processing_status": "scheduled",
  "autopay_next_payment_date": "2026-11-12"
}

Read deposit running balance
GET /illustrative/v1/card-ledger/deposit-timeline openbanking
Hydrates the deposits tab: current deposit balance, how much is available to withdraw now, a daily running-balance series and the base versus boosted APY on the account.
Auth: Authorization: Bearer <sessionToken> plus atlasapikey.
- deposit_balance
- deposit_available_to_withdraw_cents
- deposit_running_balance_map
- deposit_last_34d_cents
- checking_acc_base_apy
- checking_acc_boosted_apy
```
GET /illustrative/v1/card-ledger/deposit-timeline HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
atlasapikey: <appApiKey>
```
```
{
  "deposit_balance": 3120.48,
  "deposit_available_to_withdraw_cents": 312048,
  "deposit_running_balance_map": {
    "2026-10-24": 3050.12,
    "2026-10-25": 3120.48
  },
  "deposit_last_34d_cents": 410000,
  "checking_acc_base_apy": 1.0,
  "checking_acc_boosted_apy": 3.0
}
```
Add money to deposit account
POST /illustrative/v1/card-ledger/deposit-funding openbanking
Creates an Add Money transfer from a debit card, linked bank or cash deposit so the member can top up the Atlas deposit account.
Auth: Authorization: Bearer <sessionToken> plus atlasapikey; the debit card or linked bank used as the funding source must already be verified.
- transfer_type
- amount_cents
- processing_status
- available_to_draw_cents
- deposit_balance
```
POST /illustrative/v1/card-ledger/deposit-funding HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
atlasapikey: <appApiKey>
Content-Type: application/json

{
  "amount_cents": 20000,
  "transfer_type": "debit_card",
  "debit_card_last4": "8821"
}
```
```
{
  "transfer_type": "debit_card",
  "amount_cents": 20000,
  "processing_status": "pending",
  "available_to_draw_cents": 20000,
  "deposit_balance": 3200.48
}
```
Request payroll link token
GET /illustrative/v1/card-ledger/payroll-connection openbanking
Mints the payroll-linking token the app hands to the payroll-connect flow, so a member can attach an employer and enable paycheck-linked Spend Power and direct deposit.
Auth: Authorization: Bearer <sessionToken> plus atlasapikey.
- link_token
- link_token_id
- payroll_connect_status
- payroll_connect_company_id
- payroll_atomic_coauth_status
```
GET /illustrative/v1/card-ledger/payroll-connection HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
atlasapikey: <appApiKey>
```
```
{
  "link_token": "<LINK_TOKEN>",
  "link_token_id": "lti_44201",
  "payroll_connect_status": "not_connected",
  "payroll_connect_company_id": null,
  "payroll_atomic_coauth_status": null
}
```
Request Plaid link token
GET /illustrative/v1/card-ledger/bank-connection openbanking
Issues the Plaid Link token used to connect an external bank account for balance checks, repayments and direct-deposit switching; a follow-up status call returns plaid_item_id and the linked account details.
Auth: Authorization: Bearer <sessionToken> plus atlasapikey.
- link_token
- link_session_id
- link_token_id
```
GET /illustrative/v1/card-ledger/bank-connection HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
atlasapikey: <appApiKey>
```
```
{
  "link_token": "<LINK_TOKEN>",
  "link_session_id": "ls_9912",
  "link_token_id": "lti_7741"
}
```
Read membership tier
GET /illustrative/v1/card-ledger/membership-perks openfinance
Drives the tier and perks screens: which membership tier (blue, gold, platinum, black) the member is on and the cash-advance limit and outstanding balance attached to it.
Auth: Authorization: Bearer <sessionToken> plus atlasapikey.
- membership_status
- membership_plan_cents
- cash_advance_limit_cents
- cash_advance_balance_cents
- cash_advance_next_repayment_date
```
GET /illustrative/v1/card-ledger/membership-perks HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
atlasapikey: <appApiKey>
```
```
{
  "membership_status": "platinum",
  "membership_plan_cents": 0,
  "cash_advance_limit_cents": 50000,
  "cash_advance_balance_cents": 0,
  "cash_advance_next_repayment_date": null
}
```
Get tax form URL
GET /illustrative/v1/card-ledger/tax-document-link openfinance
Returns the signed link to the member's annual tax document so the tax center can open or download the 1099 form without exposing the PDF directly.
Auth: Authorization: Bearer <sessionToken> plus atlasapikey.
- doc_type
- doc_url
- tax_status
- published_at
```
GET /illustrative/v1/card-ledger/tax-document-link?doc_type=1099_int HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
atlasapikey: <appApiKey>
```
```
{
  "doc_type": "1099_int",
  "doc_url": "<TAX_DOCUMENT_URL>",
  "tax_status": "available",
  "published_at": "2026-01-31"
}
```

Submit card application

POST /illustrative/v1/card-ledger/membership-applications openfinance

Submits the credit-card application with identity, income and employment data and returns the KYC decision plus the approved credit line that seeds the member's Spend Power.

Auth: Onboarding session established after email and phone verification. Authorization: Bearer <onboardingToken> plus atlasapikey.

application_id
kyc_status
kyc_type
verificationStatus
onboardingStatus
approved_credit_cents

POST /illustrative/v1/card-ledger/membership-applications HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
atlasapikey: <appApiKey>
Content-Type: application/json

{
  "application_id": "app_2f81c",
  "ssn_last4": "4417",
  "gross_annual_income_cents": 7800000,
  "kyc_employment_status": "employed"
}

{
  "application_id": "app_2f81c",
  "kyc_status": "approved",
  "kyc_type": "standard",
  "verificationStatus": "verified",
  "onboardingStatus": "approved",
  "approved_credit_cents": 100000
}

Where teams use this data

Card-operations console
An issuer or fintech ops team reconciles card_id, card_type and card_expires_status against account_status and pausedCard to see which cards are frozen, expiring or due for replacement before the member calls support.
Statement and repayment reconciliation
An accounting pipeline pairs statement_balance and unpaid_amount_cents with deposit_balance, then checks payment_amount_cents against autopay_next_payment_date to spot missed repayments.
Deposit and paycheck underwriting
A credit-risk model combines deposit_available_to_withdraw_cents, deposit_last_34d_cents and payroll_deposit_amount with payroll_connect_status to size a paycheck advance or decide whether Spend Power can rise.
Credit-profile monitoring
A consumer-finance dashboard tracks creditScore against base_credit_score and the array_credit_score_ts series, flagging drops with array_credit_score_decrease_reasons and correlating them with unpaid_balance and kyc_status changes.

Frequently asked questions

What card data does the Atlas app return?

The card profile call returns card_id, card_type, card_name, card_last_four, card_expires_status, cardholderName, account_status and physical_card_type; virtual cards add standard_virtual_card_name, virtual_card_cvv and expiration_date.

Can I read balances and statements through the API?

Yes. The unpaid-balance call returns unpaid_amount_cents, statement_balance, statement_current_balance, statement_due_date and statement_name, while the deposit call returns deposit_balance, deposit_available_to_withdraw_cents and the base and boosted APY.

Which membership and cash-advance fields are documented?

Membership records contain membership_status, membership_plan_cents, cash_advance_limit_cents, cash_advance_balance_cents and cash_advance_next_repayment_date. These describe the tier, plan amount, advance limit, outstanding advance balance and next repayment date. The endpoint field lists shown here do not include cash-back balances or rates.

Which fields describe bank and payroll linking?

The Plaid connection example contains link_token, link_session_id and link_token_id. The payroll connection example contains link_token, link_token_id, payroll_connect_status, payroll_connect_company_id and payroll_atomic_coauth_status. These support connection setup and payroll-link progress; the records shown here do not provide individual paycheck-deposit history.

Apps similar to Atlas - Rewards Credit Card

Extra — Extra is a U.S. debit-card membership with a separate Spend Power credit line from Lead Bank that reports to Experian and Equifax and does not require a security deposit or credit inquiry.
Discover Mobile — Discover it Cash Back and Discover it Secured Cash Back are $0-annual-fee U.S. cards that earn 5% in rotating quarterly categories (after activation, with a cap) and 1% on other purchases, with the secured version using a refundable deposit.
Chime — Chime Card is a secured credit card from The Bancorp Bank, N.A. or Stride Bank, N.A. that reports to Experian, Equifax and TransUnion and can be opened without a credit check, annual fee, interest or late fees.
Capital One Mobile — Capital One's U.S. cards include Quicksilver, which earns 1.5% cash back on purchases with a $0 annual fee, and Platinum or Platinum Secured options aimed at building or rebuilding credit.
Intuit Credit Karma — Intuit Credit Karma lists partner U.S. credit-card offers in a marketplace organized by rewards, secured, student and credit-building categories, with approval-odds indicators that do not guarantee approval.

More Banking apps

Topics

Atlas credit card API
Atlas API endpoints and fields
Atlas statement balance data
Atlas card controls API
Atlas deposit balance API
Atlas payroll connection status
Atlas membership and cash advance data
Atlas credit score fields

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Atlas card, balance and credit data API

Screenshots

API surface

Read card profile

Read virtual card details

Create virtual card

Update card controls

Set ATM PIN

Read credit score

Read unpaid and statement balance

Pay card balance

Read deposit running balance

Add money to deposit account

Request payroll link token

Request Plaid link token

Read membership tier

Get tax form URL

Submit card application

Data categories

Where teams use this data

Card-operations console

Statement and repayment reconciliation

Deposit and paycheck underwriting

Credit-profile monitoring

Frequently asked questions

Apps similar to Atlas - Rewards Credit Card

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Need this app's data API integrated?

Atlas card, balance and credit data API

Screenshots

API surface

Read card profile

Read virtual card details

Create virtual card

Update card controls

Set ATM PIN

Read credit score

Read unpaid and statement balance

Pay card balance

Read deposit running balance

Add money to deposit account

Request payroll link token

Request Plaid link token

Read membership tier

Get tax form URL

Submit card application

Data categories

Where teams use this data

Card-operations console

Statement and repayment reconciliation

Deposit and paycheck underwriting

Credit-profile monitoring

Frequently asked questions

Related apps

Apps similar to Atlas - Rewards Credit Card

More Banking apps

5paisa: Demat, Stocks & IPO

Ajaib: Stock, Crypto, US Stock

Angel One: Stocks, Mutual Fund

Bibit- Reksadana & Obligasi

Topics

Need this app's data API integrated?