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If your organization has Refresh On Demand enabled, you can request updated movements for a Link when you need them. Refresh On Demand is available at an extra cost and must be enabled for your organization. Contact our Sales or Customer Success team to add it to your plan.

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Request an update

In the Fintoc Dashboard, go to Links, open the ··· menu for the Link, and select Refresh now. The button requests the latest movements. It appears only when your organization has access to this action and your role can edit the Link. You can also create a Refresh Intent through the API. Use the API to request a historical refresh or to open the Widget when the bank requires multifactor authentication. The Dashboard button cannot complete a refresh that requires multifactor authentication.

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Usage restrictions

  • You cannot create a Refresh Intent while another refresh is in progress for the same Link.
  • The API can reject a request when the Link’s accounts are up to date according to their refresh interval.
  • After a successful refresh, the API can reject another request if fewer than five minutes have passed since the previous Refresh Intent was created. A historical request can also be blocked if another historical refresh was created within the past 60 minutes.
  • After a failed refresh, check the API response before retrying. A failure does not guarantee an immediate retry. If the bank rejects the credentials, you may need to reconnect the Link.
See Refresh Intent errors for the responses to these requests.
  • Request a refresh when a person or business process needs updated data. Avoid scheduled jobs that refresh every Link at a fixed interval.
  • Use only_last for routine updates. Request historical only when you need earlier movements.
  • Wait for the refresh result before retrying. After a failure, use backoff and respect the API’s waiting period. If the bank rejects the credentials, reconnect the Link.

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Receive the refresh result

The refresh is asynchronous whether you request it from the Dashboard or the API. It usually takes one to three minutes, depending on the bank and its connection. Fintoc does not guarantee a maximum duration. Fintoc notifies you through webhooks when each account in the Link finishes updating. Set up your webhooks and subscribe to these events:
  • account.refresh_intent.succeeded: The account was updated. You can now retrieve its movements.
  • account.refresh_intent.failed: Fintoc could not update the account.
  • account.refresh_intent.rejected: The bank rejected the access credentials.
See Wait for the results using a Webhook Endpoint to learn how to handle each result.