# Lean Tech Documentation > Documentation for Lean Tech ## Guides: Getting Started - [Authentication](https://docs.leantech.me/docs/authentication.md) - [Creating a customer](https://docs.leantech.me/docs/creating-a-customer.md) - [Connect to a bank](https://docs.leantech.me/docs/creating-a-bank-connection.md) ## Guides: Payments API - [Making Payments](https://docs.leantech.me/docs/making-payments.md) ## Guides: Pay by Bank (Open Finance) - [Getting started with Pay by Bank](https://docs.leantech.me/docs/find-your-use-case.md): Learn about the payments use cases that can be powered with Open Finance. - [Configuring your application](https://docs.leantech.me/docs/configuring-your-application.md): Configure required settings in the Lean Dashboard before enabling Open Finance payments. - Solutions - [Deposits](https://docs.leantech.me/docs/deposits.md): Accept customer-authorised bank deposits into wallets or accounts. One-time or via long-lived authorisation. - [Collections](https://docs.leantech.me/docs/collections.md): Collect customer payments on demand from their bank using a single, long-lived authorisation. - [Checkout](https://docs.leantech.me/docs/checkouts.md): Accept bank payments at checkout with guest and express flows, using one-time or long-lived authorisation. - Features - Single Instant Payments - [Getting started with Single Instant Payments](https://docs.leantech.me/docs/getting-started-with-single-instant-payments.md): Pay by bank solution offering single one time payments ideal for wallet/account deposits and guest checkouts - [Initiating a Single Instant Payment](https://docs.leantech.me/docs/initiating-a-single-instant-payment.md) - Account-on-file Payments - [Getting started with Account-on-file Payments](https://docs.leantech.me/docs/getting-started-with-account-in-file-payments.md): Pay by bank solution supporting variable value end user and merchant initiated payments ideal for loan collections, faster return deposit and frequently returning checkout use cases. - [Migrating from Legacy Payments to Account-on-File](https://docs.leantech.me/docs/migrating-from-legacy-payments-to-account-on-file.md) - [Integrating Account-on-file Payments](https://docs.leantech.me/docs/integrating-account-on-file-payments.md) - [Consent Lifecycle](https://docs.leantech.me/docs/consent-lifecycle.md) - [Consent Limits](https://docs.leantech.me/docs/consent-limits.md): Define how much, how often, and for how long payments can be initiated under a consent. - [Fetching IBAN and Account Holder Name](https://docs.leantech.me/docs/fetching-account-on-file-consents.md) - [Checking balance using Account-on-file consent](https://docs.leantech.me/docs/fetch-balance.md) - [Verified Pay-ins ](https://docs.leantech.me/docs/verified-payments.md): Verify the source of funds and allow your user to pay in a single flow - [Open Finance Enablement for Existing Integrations](https://docs.leantech.me/docs/migrating-to-open-finance-based-payments.md) - Common components - [Payment status lifecycle ](https://docs.leantech.me/docs/payment-statuses.md) - [Consent Management](https://docs.leantech.me/docs/consent-management.md) - [Risk Details](https://docs.leantech.me/docs/risk-details.md) ## Guides: Data API - [Lean Open Finance Data Integration Guide](https://docs.leantech.me/docs/lean-open-finance-data-integration-guide.md): A step by step introduction to building with Lean Open Finance Data APIs in the United Arab Emirates. - [Fetching Bank Data: Open Finance Enablement ](https://docs.leantech.me/docs/fetching-bank-data-migrating-to-open-finance.md) - [Data workflow](https://docs.leantech.me/docs/data-workflow.md) ## Guides: Data Enrichment & Verification - Data Enrichment - [Getting Started with Lean Insights APIs](https://docs.leantech.me/docs/overview-of-insights-apis.md) - [How to use the Get Income API](https://docs.leantech.me/docs/getting-started-with-get-income-api.md) - Verification - [Account Verification ](https://docs.leantech.me/docs/how-to-use-account-verification-service.md): This Account Verification API covers domestic (UAE) and international countries. - [Account Verification Coverage](https://docs.leantech.me/docs/account-verification-coverage.md) - [Address Verification](https://docs.leantech.me/docs/how-to-use-address-verification.md): Automate and simplify address verification - [Name Verification](https://docs.leantech.me/docs/getting-started-with-name-verification.md) ## Guides: Financial Operations - [How to handle invalid passwords for Deposits API or reconciliation](https://docs.leantech.me/docs/how-to-handle-invalid-password-for-deposits-api-or-reconciliation.md) ## Guides: Payouts - [Getting Started with Payouts](https://docs.leantech.me/docs/getting-started-with-payouts.md) - [Making Payouts using Single Payment Mechanism](https://docs.leantech.me/docs/single-payment-mechanism.md) - [Different Payment Authorization Flows](https://docs.leantech.me/docs/payouts-authorization-flows-overview.md) - [Updating Bank Credentials for Payouts](https://docs.leantech.me/docs/updating-bank-credentials-for-payouts.md) - [Getting started with Refunds ](https://docs.leantech.me/docs/using-refunds-for-payouts.md) ## Guides: LinkSDK - [Web](https://docs.leantech.me/docs/web.md) - [iOS](https://docs.leantech.me/docs/ios.md) - [Android](https://docs.leantech.me/docs/android.md) - [React Native](https://docs.leantech.me/docs/react-native.md) - [Config Reference](https://docs.leantech.me/docs/config-reference.md) - [Flows Reference](https://docs.leantech.me/docs/flows-reference.md) - [LinkSDK statuses](https://docs.leantech.me/docs/linksdk-statuses.md) ## Guides: Webhooks - [Webhooks](https://docs.leantech.me/docs/webhooks.md) - [Webhook Library](https://docs.leantech.me/docs/webhook-library.md) ## Guides: MCP Server - [MCP](https://docs.leantech.me/docs/mcp.md) ## API Reference: Core Resources - Authentication - [Generate Access Token](https://docs.leantech.me/reference/postoauth2token.md) - Customer - [List Customers](https://docs.leantech.me/reference/getcustomers.md): Fetch a list of all customers created - [Create Customer](https://docs.leantech.me/reference/createcustomer-1.md): Create a customer object on Lean given the app_user_id which is the identifier (or a hash of the identifier) you use to refer to a user in your own database. The customer object in Lean should map… - [Update Customer](https://docs.leantech.me/reference/updatecustomer-1.md): Update the customer's government identifiers and full name. - [Get Customer by ID](https://docs.leantech.me/reference/getcustomerbyid.md): Fetch a Customer object by the customer_id associated - [Get Customer by app_user_id](https://docs.leantech.me/reference/getcustomerbyuserid.md): Fetch a Customer object by the associated `app_user_id` value - Banks - [List Banks](https://docs.leantech.me/reference/getbanks-1.md): Fetch a list of all supported Banks for your application, includes status and configuration information. - Events - [Get all Events](https://docs.leantech.me/reference/getevents.md): List all events created by Lean and sent over webhooks in the past 90 days. ## API Reference: Payments - Account On File - [Create a new AoF consent](https://docs.leantech.me/reference/createaccountonfileconsent.md): Creates a new Account-on-File consent that can be authorized later. - [Initiate an AoF payment](https://docs.leantech.me/reference/initiateaccountonfilepayment.md): Endpoint responsible for initiating an AoF payment against an existing, authorized consent. - Consents - [List customers consents](https://docs.leantech.me/reference/fetchconsents.md): Retrieves a paginated list of payment consents for the specified customer. - [Retrieve balance of consent-linked account](https://docs.leantech.me/reference/fetchconsentbalance.md): Retrieves the balance of the account associated with the specified authorized consent. - [Retrieve consent details](https://docs.leantech.me/reference/fetchconsent.md): Retrieves a payment consent and its consumption data. Consumption data is returned only for authorized consents. - [Revoke a consent](https://docs.leantech.me/reference/revokeconsent.md): Revokes an authorised payment consent. The consent must be in `AUTHORISED` state. - [List payments made under a consent](https://docs.leantech.me/reference/fetchconsentpayments.md): Retrieves a paginated list of payments initiated under the specified consent. - Payment Destination - [Create Payment Destination](https://docs.leantech.me/reference/createpaymentdestination.md): Payment Destination defines the target account to which funds will be transferred. It is used when creating a Beneficiary in the user's bank via the LinkSDK, either through the `.connect()` flow or… - [List Payment Destinations](https://docs.leantech.me/reference/getpaymentdestinations.md): Retrieve a list of all Payment Destinations you have in stored with Lean. - [Get Payment Destinations for Customer](https://docs.leantech.me/reference/getpaymentdestinationsbycustomerid.md): Retrieve a list of all Payment Destinations associated with a given Customer. - [Get Payment Destination by ID](https://docs.leantech.me/reference/getpaymentdestinationbyid.md): Retrieve the details of a single Payment Destination stored by Lean. - Payment Source - [Get all Payment Sources for Customer](https://docs.leantech.me/reference/getpaymentsources.md): Payment Sources are created upon successful completion of the `.connect()` method in the LinkSDK when `payments` is set as a Permission. - [Get Payment Source by ID](https://docs.leantech.me/reference/getpaymentsourcebyid.md): Payment Sources are created upon successful completion of the `.connect()` method in the LinkSDK when `payments` is set as a Permission. - [Delete Payment Source](https://docs.leantech.me/reference/deletepaymentsource.md): Delete a Payment Source to remove Customer credentials from the platform. - Payment Intents - [Create Payment Intent](https://docs.leantech.me/reference/createpaymentintent.md): The Payment intent is the contract between your backend and Lean to certify that you will request a payment from your customer of a specified amount and currency. In order to initiate a payment, the… - [List Payment Intents](https://docs.leantech.me/reference/listpaymentintents.md): List all Payment Intents - [Get Payment Intent](https://docs.leantech.me/reference/getpaymentintentbyid.md): The Payment intent is the contract between your backend and Lean to certify that you will request a payment from your customer of a specified amount and currency. In order to initiate a payment, the… - Payments - [Get Payment](https://docs.leantech.me/reference/getpaymentbyid.md): Fetch a single payment - Payouts - [Create Payout Payment ](https://docs.leantech.me/reference/createpayout.md) - [List Payouts](https://docs.leantech.me/reference/getpayouts.md) - [Get Payment History](https://docs.leantech.me/reference/getpaymenthistory.md) - [Create Payouts Destination(s)](https://docs.leantech.me/reference/createpayoutdestination.md): Create payment destinations for use with Payouts. Destinations created with Payouts create a corresponding beneficiary with your bank. - [Get Payouts Destination](https://docs.leantech.me/reference/getpayoutdestinationbyid.md): Create payment destinations for use with Payouts. Destinations created with Payouts create a corresponding beneficiary with your bank. - Refunds - [List Refunds](https://docs.leantech.me/reference/listrefunds.md): Returns a list of all refunds intitated . You can filter the transactions based on status of the refund transaction by passing it in the query parameter. This API allows pagination with the default… - [Create Refunds](https://docs.leantech.me/reference/createrefund.md): Creates and queues a refund payment for approval or rejection. Refunds are always returned to the originating account of the corresponding payment. The total refund amount cannot exceed the original… - [Process Refunds](https://docs.leantech.me/reference/processrefunds.md): Updates the refund status based on the approver's (or checker's) confirmation or rejection. This serves as a fail-safe mechanism to validate the refund decision after the transaction is initiated,… - [Get Refund Reasons](https://docs.leantech.me/reference/getrefundreasons.md): Returns the reason code for the created refund, which is then used in the refund request creation. - Reconciliation - [Retrieve payments](https://docs.leantech.me/reference/getreconciliationpayments.md): Retrieve payments with reconciliation information. - [Retrieve Deposits](https://docs.leantech.me/reference/getdeposits.md): Retrieve deposits from your connected bank accounts - [Get Payment](https://docs.leantech.me/reference/getreconciliationpaymentbyid.md): Retrieve a specific payment from your connected bank accounts ## API Reference: Bank Data - Entities - [Get Entities for Customer](https://docs.leantech.me/reference/getcustomerentities.md): An Entity is generated whenever a Customer connects a new bank using the `.connect()` method in the LinkSDK with _any_ data related permissions. - [Get Entity by ID](https://docs.leantech.me/reference/getentitybyid.md): Returns a single Entity. An Entity is generated whenever a Customer connects a new bank using the `.connect()` method in the LinkSDK with _any_ data related permissions. - [Retrieve All Entities](https://docs.leantech.me/reference/listentities.md): Retrieves a list of entities created for your application within the provided time range.The entities are paginated, and the query parameters allow filtering by start and end dates. - [Delete Entity](https://docs.leantech.me/reference/deleteentity.md): Marks the entity as deleted. It can be recreated later by intiating a new .connect() flow from the LinkSDK. ## API Reference: Enrichment - Income - [Get Income](https://docs.leantech.me/reference/verifyincome.md): `Get Income` endpoint provides essential income verification data for credit decisioning and underwriting processes. This API analyzes transaction history to produce reliable income insights for a… - Spending (NEW) - [Get Spending Insights](https://docs.leantech.me/reference/getspendinginsights.md): Enriches debit transactions with category, merchant, and location data, returning aggregated spending analytics by category, merchant, and geography. - Credit Obligations (NEW) - [Get Credit Obligations](https://docs.leantech.me/reference/getcreditobligationsv3.md): Delivers a structured view of a user's borrowing activity as per the connected account. Shows repayments and disbursements broken down by lender name and credit type. - Credit Assessments (NEW) - [Get Credit Assessments](https://docs.leantech.me/reference/getcreditassessments.md): Aggregates income, expenses, and balance into pre-computed credit indicators for DBR, affordability ratio, net cashflow, and max installment capacity. This endpoint offers configuration capabilities… - Cashflow Patterns (NEW) - [Get Cash Flow](https://docs.leantech.me/reference/getcashflowpatterns.md): Detects recurring inflow and outflow transactions and groups them into structured patterns, surfacing frequency, expected timing, and whether each pattern is ongoing, new, or stopped. - Account Controls (NEW) - [Get Account Controls](https://docs.leantech.me/reference/getaccountcontrols.md): Offers overview signals and configurable thresholds on a connected account, returning a simple eligible/not-eligible verdict before any downstream process begins - Expenses - [Get Expenses](https://docs.leantech.me/reference/getexpenses.md): Provides insights on the expenses (outflows) from a bank account. ## API Reference: Verification - Account Verification - [Account Verification API](https://docs.leantech.me/reference/internationalavsverification.md): Verifies account ownership and details for UAE and international accounts. **A step by step guide** [here](https://docs.leantech.me/docs/how-to-use-account-verification-service). - Name Verification - [Verify Name](https://docs.leantech.me/reference/nameverification.md): Verify the name held by the bank matches a name provided. Requires the following permissions: accounts & identity. - Entity Verification - [Verify Entity Ownership](https://docs.leantech.me/reference/entityverification.md): Verifies the end-user's connected entity ownership by matching identification against bank records for multiple IBANs via EMIRATES_ID or FULL_NAME. ## API Reference: Errors - [Data errors](https://docs.leantech.me/reference/data-errors.md) - [Payments Errors](https://docs.leantech.me/reference/payments-errors.md)