n8n-nodes-synctera

[Velocity BPA Licensing Notice]

This n8n node is licensed under the Business Source License 1.1 (BSL 1.1).

Use of this node by for-profit organizations in production environments requires a commercial license from Velocity BPA.

For licensing information, visit https://velobpa.com/licensing or contact licensing@velobpa.com.

A comprehensive n8n community node for the Synctera Banking-as-a-Service (BaaS) platform, providing complete access to banking, payments, card issuing, compliance, and customer management operations.

Features

• Complete BaaS Operations: Full access to Synctera's banking platform capabilities
• Customer Management: Create, verify, and manage personal and business customers
• Account Operations: Open, manage, and close deposit accounts with templates
• Payment Processing: ACH transfers, wire transfers, and internal transfers
• Card Issuing: Physical and virtual card creation, activation, and management
• Compliance Tools: KYC verification, watchlist screening, and disclosure management
• Real-time Events: Webhook triggers for account, transaction, and customer events
• Sandbox Support: Simulation tools for testing ACH, wire, and card transactions
• Spend Controls: Create and manage card spending rules and limits

Installation

Community Nodes (Recommended)

1. Open n8n
2. Go to Settings → Community Nodes
3. Click Install
4. Enter n8n-nodes-synctera
5. Click Install

Manual Installation

# Navigate to your n8n installation
cd ~/.n8n

# Install the package
npm install n8n-nodes-synctera

Development Installation

# Clone or extract the package
cd n8n-nodes-synctera

# Install dependencies
npm install

# Build the project
npm run build

# Create symlink to n8n custom nodes
mkdir -p ~/.n8n/custom
ln -s $(pwd) ~/.n8n/custom/n8n-nodes-synctera

# Restart n8n
n8n start

Credentials Setup

Synctera API Credentials

Field	Description	Required
Environment	Production, Sandbox, or Custom	Yes
API Key	Your Synctera API key	Yes
Custom API URL	Custom endpoint URL (if Environment is Custom)	Conditional
Webhook Secret	Secret for validating webhook signatures	No
Partner ID	Your Synctera partner identifier	No

Synctera OAuth2 Credentials

Field	Description	Required
Client ID	OAuth2 client identifier	Yes
Client Secret	OAuth2 client secret	Yes
Token URL	OAuth2 token endpoint	Yes
Scope	OAuth2 scopes (space-separated)	No

Resources & Operations

Customer Resource

Operation	Description
Create Personal	Create a new personal customer
Create Business	Create a new business customer
Get	Retrieve customer details
Update	Update customer information
List	List all customers with filters
Delete	Delete a customer
Get Status	Get customer verification status
Verify	Initiate customer verification
Get Accounts	List customer's accounts
Get Cards	List customer's cards
Get Relationships	List customer relationships

Business Resource

Operation	Description
Create	Create a new business entity
Get	Retrieve business details
Update	Update business information
List	List all businesses
Get Owners	List beneficial owners
Add Owner	Add a beneficial owner
Remove Owner	Remove a beneficial owner
Get Verification	Get business verification status

Account Resource

Operation	Description
Create	Create a new account
Get	Retrieve account details
Update	Update account information
List	List accounts with filters
Close	Close an account
Get Balance	Get current balance
Get Account Number	Retrieve account number
Get Routing Number	Retrieve routing number
Get Transactions	List account transactions
Get Statement	Get account statement
Freeze	Freeze account activity
Unfreeze	Unfreeze account activity

Account Template Resource

Operation	Description
Create	Create account product template
Get	Retrieve template details
List	List all templates
Update	Update template configuration
Delete	Delete a template

ACH Resource

Operation	Description
Create	Originate ACH transfer
Get	Retrieve ACH details
List	List ACH transfers
Cancel	Cancel pending ACH
Get Return	Get ACH return details
Get NOC	Get notification of change
Handle Return	Process ACH return
Get Addenda	Get ACH addenda records

Wire Resource

Operation	Description
Create Domestic	Send domestic wire
Create International	Send international wire
Get	Retrieve wire details
List	List wire transfers
Cancel	Cancel pending wire
Get Fees	Get wire fee schedule

Internal Transfer Resource

Operation	Description
Create	Transfer between accounts
Get	Retrieve transfer details
List	List internal transfers
Get Status	Get transfer status

External Account Resource

Operation	Description
Create	Link external account
Get	Retrieve external account
Update	Update account details
Delete	Remove external account
List	List external accounts
Verify	Verify with micro-deposits
Get Verification Status	Check verification state

Card Resource

Operation	Description
Create	Issue new card
Get	Retrieve card details
List	List cards
Activate	Activate a card
Suspend	Suspend card temporarily
Unsuspend	Reactivate suspended card
Terminate	Permanently close card
Reissue	Replace lost/stolen card
Get Token	Get digital wallet token
Get Image	Get card image
Update PIN	Change card PIN
Get Limits	Get spending limits
Update Limits	Modify spending limits

Card Product Resource

Operation	Description
Create	Create card program
Get	Retrieve product details
List	List card products
Update	Update product configuration

Transaction Resource

Operation	Description
Get	Retrieve transaction
List	List transactions
Get Pending	List pending transactions
Get Posted	List posted transactions
Search	Search with criteria
Patch	Update transaction
Get Enhanced Data	Get Level 2/3 data

Authorization Resource

Operation	Description
Get	Retrieve authorization
List	List authorizations
Simulate	Test authorization (sandbox)
Clear	Complete authorization
Reverse	Reverse authorization

Statement Resource

Operation	Description
Get	Retrieve statement
List	List statements
Get PDF	Download statement PDF

Disclosure Resource

Operation	Description
Create	Create disclosure record
Get	Retrieve disclosure
List	List disclosures
Accept	Record acceptance
Get Document	Download disclosure document

Document Resource

Operation	Description
Upload	Upload document
Get	Retrieve document metadata
List	List documents
Delete	Remove document
Get Content	Download document file

Verification Resource

Operation	Description
Create	Initiate verification
Get	Retrieve verification
List	List verifications
Get Result	Get verification result
Retry	Retry failed verification

Watchlist Resource

Operation	Description
Screen	Screen against watchlists
Get Result	Get screening result
List	List screenings
Get Alert	Retrieve alert details
List Alerts	List all alerts
Suppress	Suppress false positive

Spend Control Resource

Operation	Description
Create	Create spending rule
Get	Retrieve spend control
Update	Modify spending rule
Delete	Remove spend control
List	List spend controls

Relationship Resource

Operation	Description
Create	Create relationship
Get	Retrieve relationship
List	List relationships
Delete	Remove relationship
Get Types	List relationship types

Webhook Resource

Operation	Description
Create	Register webhook
Get	Retrieve webhook
Update	Modify webhook
Delete	Remove webhook
List	List webhooks
Get Secret	Retrieve signing secret
Rotate Secret	Generate new secret
Test	Send test event
Get Events	List webhook events

Event Resource

Operation	Description
Get	Retrieve event
List	List events
Resend	Replay event
Get Types	List event types

Note Resource

Operation	Description
Create	Add note
Get	Retrieve note
List	List notes
Update	Modify note
Delete	Remove note

Cash Order Resource

Operation	Description
Create	Order cash
Get	Retrieve order
List	List orders
Update	Modify order
Cancel	Cancel order

Interest Resource

Operation	Description
Get	Retrieve interest record
List	List interest records
Get Rate	Get interest rate
Update Rate	Modify interest rate

Fee Resource

Operation	Description
Create	Apply fee
Get	Retrieve fee
List	List fees
Reverse	Reverse fee
Get Schedule	Get fee schedule

Hold Resource

Operation	Description
Create	Place hold
Get	Retrieve hold
Release	Remove hold
List	List holds

Bank Partner Resource

Operation	Description
Get	Retrieve partner info
List	List bank partners
Get Limits	Get partner limits

Sandbox Resource (Testing)

Operation	Description
Simulate ACH	Test ACH scenarios
Simulate Card	Test card transactions
Simulate Wire	Test wire transfers
Fund Account	Add test funds
Clear Authorization	Clear test auth

Utility Resource

Operation	Description
Validate Routing	Validate routing number
Get API Status	Check API health
Get Banks	List supported banks
Test Connection	Verify connectivity

Trigger Node

The Synctera Trigger node receives real-time webhook events:

Event Categories

Category	Events
Customer	created, updated, deleted, verification.completed, verification.failed
Account	created, updated, closed, frozen, balance.changed
ACH	originated, completed, returned, canceled, noc
Wire	created, completed, failed, canceled
Card	created, activated, suspended, terminated, shipped
Transaction	created, posted, reversed
Authorization	created, cleared
Watchlist	screening.completed, alert.created, alert.suppressed
Disclosure	sent, accepted
External Account	created, verified, verification.failed

Trigger Options

Option	Description
Verify Signature	Validate webhook signatures (recommended)
Include Raw Payload	Include original payload in output
Customer ID Filter	Only trigger for specific customer
Account ID Filter	Only trigger for specific account

Usage Examples

Create a Personal Customer

// Synctera Node Configuration
Resource: Customer
Operation: Create Personal

// Parameters
First Name: John
Last Name: Doe
Email: john.doe@example.com
Phone: +14155551234
Date of Birth: 1985-03-15
SSN: 123-45-6789

// Address
Street: 123 Main St
City: San Francisco
State: CA
Postal Code: 94105
Country: US

Open a Checking Account

// Synctera Node Configuration
Resource: Account
Operation: Create

// Parameters
Account Template ID: [your-template-id]
Customer ID: [customer-id]
Account Type: CHECKING
Nickname: Primary Checking

Initiate ACH Transfer

// Synctera Node Configuration
Resource: ACH
Operation: Create

// Parameters
Originating Account ID: [account-id]
Receiving Account Number: 123456789
Receiving Routing Number: 021000021
Amount: 1000.00
Currency: USD
Direction: CREDIT
SEC Code: PPD
Description: Payment

Send Domestic Wire

// Synctera Node Configuration
Resource: Wire
Operation: Create Domestic

// Parameters
Originating Account ID: [account-id]
Beneficiary Name: Jane Smith
Beneficiary Account: 987654321
Beneficiary Routing: 021000089
Amount: 5000.00
Purpose: Business Payment

Issue a Debit Card

// Synctera Node Configuration
Resource: Card
Operation: Create

// Parameters
Customer ID: [customer-id]
Account ID: [account-id]
Card Product ID: [product-id]
Card Type: PHYSICAL
Shipping Method: STANDARD

Screen Customer Against Watchlist

// Synctera Node Configuration
Resource: Watchlist
Operation: Screen

// Parameters
Customer ID: [customer-id]
Provider: OFAC
Screening Type: INITIAL

Create Spend Control

// Synctera Node Configuration
Resource: Spend Control
Operation: Create

// Parameters
Name: Daily ATM Limit
Amount Limit: 500.00
Velocity Window: DAILY
Action On Limit: DECLINE
MCC Codes: 6010, 6011  // ATM codes

Sandbox: Simulate ACH Return

// Synctera Node Configuration
Resource: Sandbox
Operation: Simulate ACH

// Parameters
ACH ID: [ach-id]
Simulation Type: RETURN
Return Code: R01  // Insufficient Funds

Webhook Trigger Workflow

// SyncteraTrigger Node Configuration
Events: account.balance.changed, transaction.posted

// Filters
Account ID: [account-id]
Verify Signature: true

// Connect to downstream nodes for:
// - Balance alerts
// - Transaction notifications
// - Fraud detection

Synctera BaaS Concepts

Customer Types

• Personal: Individual account holders (KYC with SSN/ID)
• Business: Business entities (KYB with EIN/registration)

Account Templates

Pre-configured account products defining:

• Interest rates
• Fee schedules
• Transaction limits
• Overdraft settings

External Accounts

Linked accounts at other financial institutions for:

• ACH transfers
• Funding sources
• Payment destinations

Spend Controls

Rules applied to card transactions:

• Amount limits (per transaction, daily, monthly)
• Merchant category restrictions
• Geographic restrictions
• Velocity controls

Watchlist Screening

AML/KYC compliance screening against:

• OFAC SDN list
• Other government watchlists
• PEP databases

Disclosures

Required legal documents:

• Account agreements
• Privacy policies
• Fee schedules
• Terms of service

Bank Partners

Sponsor bank relationships providing:

• Banking charter
• FDIC insurance
• Regulatory compliance

Environments

Environment	Description	Use Case
Production	Live banking operations	Real transactions
Sandbox	Test environment	Development & testing
Custom	Custom endpoint	Enterprise deployments

Error Handling

The node provides detailed error information:

Error Type	Description
Authentication	Invalid or expired API credentials
Validation	Invalid request parameters
Not Found	Resource doesn't exist
Rate Limit	Too many requests
Compliance	Blocked by compliance rules
Insufficient Funds	Account lacks funds
Account Frozen	Account is frozen

Error Response Format

{
  "error": {
    "code": "INSUFFICIENT_FUNDS",
    "message": "Account has insufficient funds for this transaction",
    "details": {
      "available_balance": "50.00",
      "requested_amount": "100.00"
    }
  }
}

Security Best Practices

1. Secure Credentials: Store API keys in n8n credentials, never in workflows
2. Webhook Signatures: Always verify webhook signatures in production
3. PCI Compliance: Never log or store full card numbers
4. PII Handling: Minimize exposure of customer SSN and personal data
5. Audit Logging: Enable logging for compliance requirements
6. Rate Limiting: Implement retry logic with exponential backoff
7. Environment Separation: Use sandbox for testing, production for live

Development

# Install dependencies
npm install

# Build the project
npm run build

# Run in watch mode
npm run dev

# Run linting
npm run lint

# Fix linting issues
npm run lint:fix

# Run tests
npm test

# Run tests with coverage
npm run test:coverage

Author

Velocity BPA

• Website: velobpa.com
• GitHub: Velocity-BPA

Licensing

This n8n community node is licensed under the Business Source License 1.1.

Free Use

Permitted for personal, educational, research, and internal business use.

Commercial Use

Use of this node within any SaaS, PaaS, hosted platform, managed service,
or paid automation offering requires a commercial license.

For licensing inquiries:
licensing@velobpa.com

See LICENSE, COMMERCIAL_LICENSE.md, and LICENSING_FAQ.md for details.

Contributing

1. Fork the repository
2. Create a feature branch
3. Make your changes
4. Run tests and linting
5. Submit a pull request

Support

• Documentation: Synctera API Docs
• Issues: GitHub Issues
• Email: support@velobpa.com

Acknowledgments

• Synctera for their comprehensive BaaS platform
• n8n for the workflow automation platform
• The n8n community for node development standards