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This page describes Fintoc’s two API rate limits, what happens when you exceed them, and how to handle 429 Too Many Requests responses. Two rate limits apply:
  1. Organization rate limit: 100 requests per second per organization, across the Fintoc API.
  2. Widget connection rate limit: 100 requests per 130 seconds per organization, across Widget connections.
These limits are maximums. Keep your request volume below them, and handle any rate-limited responses gracefully. Fintoc adjusts these limits over time, lowering a limit to prevent abuse or raising a limit for integrations that need more than the default limits. To request a higher limit, contact support at least one month before you need it.

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Handle rate limiting

Watch for 429 Too Many Requests responses and retry the request with exponential backoff. Start at a 1-second delay and double the delay on each attempt: 1s, 2s, 4s, and 8s. Retry up to 5 times, and add up to 1 second of random jitter to each delay so retries from different clients do not synchronize.