Introduction

Atto offers two powerful APIs for accessing and utilising banking data: Data API and Stored Data API. Each serves a distinct purpose, depending on whether data storage and ongoing data refreshes are required for your use case.

Data API

The Data API provides direct access to a consumer’s banking data without storing it in Atto’s system. It is ideal when data storage is not required, but real-time access is needed. Additionally, this API supports enrichments such as Categorisation, Classification, and Merchant Identification, provided these features are enabled.

Stored Data API

The Stored Data API is designed for use cases where banking data needs to be stored within Atto. This API is essential when data refreshes are required, as Atto automatically retrieves incremental (delta) transactional data in case a refresh is initiated. Storing data in Atto also makes enrichments such as Categorisation, Classification, and Merchant Identification faster and more streamlined. Additionally, Stored Data API is recommended for use cases that require other Atto products, such as Income Verification and Affordability assessments.

You are always in control of your stored data. If needed, you can use the Stored Data Delete API to remove data from Atto storage at any time. By default, data can be retained for up to 7 years in compliance with GDPR regulations.

Choosing the right API depends on whether your use case requires data storage, ongoing data updates, or specific enrichments.