--- title: Announcing our Method Integration description: By popular demand, we’ve added a data source integration for Method, an API that allows developers to retrieve data about a user’s liabilities such as credit cards, mortgages, and student loans – all with just the user’s phone number. While Method returns a user’s liabilities, it’s difficult to get visibility into the corresponding historical payments […] image: https://hs.pavefi.com/hubfs/Imported_Blog_Media/Integration-Dark-2.png --- [Skip to content](https://hs.pavefi.com/pave-blog/blog/method-data-source-integration#main-content) Pave Financial, Inc. Open main navigation Close main navigation - [Contact us](https://hs.pavefi.com/pave-blog/blog/method-data-source-integration#contact) [Contact us](https://hs.pavefi.com/pave-blog/blog/method-data-source-integration#contact) Nov 14, 2022 8:28:22 AM # Announcing our Method Integration [Lennon Chimbumu](https://hs.pavefi.com/pave-blog/author/lennon-chimbumu) Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://hs.pavefi.com/pave-blog/blog/method-data-source-integration) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://hs.pavefi.com/pave-blog/blog/method-data-source-integration) [Twitter icon](https://twitter.com/intent/tweet?url=https://hs.pavefi.com/pave-blog/blog/method-data-source-integration) [pinterest-p icon](http://pinterest.com/pin/create/link/?url=https://hs.pavefi.com/pave-blog/blog/method-data-source-integration) [envelope icon](mailto:?body=https://hs.pavefi.com/pave-blog/blog/method-data-source-integration) By popular demand, we’ve added a data source integration for [Method](https://methodfi.com/), an API that allows developers to [retrieve data about a user’s](https://methodfi.com/products/data) liabilities such as credit cards, mortgages, and student loans – all with just the user’s phone number. While Method returns a user’s liabilities, it’s difficult to get visibility into the corresponding historical payments made to these liabilities. Additionally, the data from Method may be incomplete or outdated due to issues like delays in credit bureau reporting. A Pave + Method integration allows you to enrich a user’s liability data (Method) with loan payment history from bank transaction data (Pave) to get a complete and real-time view of a user’s financial health. ### Why this matters To date, getting a complete view of a user’s loan payment history alongside the details of the loan including the balance, term length, and interest rate has been a painful and often manual process. Pave’s pre-built Method integration detects recurring loan payments in bank data and unifies it with the Method’s loan metadata to answer questions that aren’t possible to get from credit reports alone including: - Has the user missed or been late on loan payments in the past 30 days? - What is the user’s debt-to-income ratio based on new loans and loan payments that haven’t yet surfaced in a credit report?   - What is the borrower’s projected disposable income? Can they afford to make their upcoming loan payments?  ### Use Cases - **Dynamically adjust credit limits:** Increase/decrease credit limits for new and existing users by leveraging real-time affordability signals - **Debt consolidation:** Efficiently model different consolidation scenarios to offer users payoff options - ****Personalize refinancing offers:**** Monitor your users’ loan history and proactively offer loan refinancing options - ****Cashflow Underwriting:**** Drive lift in your credit risk models     - **Personalize debt management experiences:** Allow your users to see all of their loans in one place Recommend optimal debt payoff plans based on their cashflows and interest rates  - ****Manage overdraft risk:**** Verify upcoming loan due dates against the user’s account balance to anticipate potential overdrafts  ### Here are some FAQs to get you started. **Which Method payloads can I upload to the Pave API?** You can upload Method [Payments](https://docs.methodfi.com/api/core/payments/list), [Entities](https://docs.methodfi.com/api/core/entities/list/) and [Accounts](https://docs.methodfi.com/api/core/accounts/list/) payloads to the Pave API. See more detail in our docs: [https://docs.pave.dev/upload/method/post-payments](https://docs.pave.dev/upload/method/post-payments) **How do I access the insights?** You can access the insights by calling the [Liabilities Endpoint](https://docs.pave.dev/insights/liabilities). [Product Features](https://hs.pavefi.com/pave-blog/tag/product-features), [cashflow insights](https://hs.pavefi.com/pave-blog/tag/cashflow-insights) ## Related posts [credit reports](https://hs.pavefi.com/pave-blog/tag/credit-reports), [Product Features](https://hs.pavefi.com/pave-blog/tag/product-features), [cashflow insights](https://hs.pavefi.com/pave-blog/tag/cashflow-insights) ## [Upload Credit Reports to Pave for a Complete View of Liabilities](https://hs.pavefi.com/pave-blog/blog/upload-credit-reports-to-pave-for-a-complete-view-of-liabilities) [Julia Puzzo](https://hs.pavefi.com/pave-blog/author/julia-puzzo) Aug 7, 2023 8:46:32 AM We’ve launched a new integration that allows you to upload credit reports. Pave cleans, normalizes,... [Read more](https://hs.pavefi.com/pave-blog/blog/upload-credit-reports-to-pave-for-a-complete-view-of-liabilities) [Product Features](https://hs.pavefi.com/pave-blog/tag/product-features), [fintech](https://hs.pavefi.com/pave-blog/tag/fintech) ## [Retrieve a complete view of users’ liabilities with the new Liabilities Endpoint](https://hs.pavefi.com/pave-blog/blog/retrieve-a-complete-view-of-users-liabilities-with-the-new-liabilities-endpoint) [Julia Puzzo](https://hs.pavefi.com/pave-blog/author/julia-puzzo) Apr 28, 2023 8:10:54 AM We’ve released our Liabilities endpoint, allowing you to retrieve a complete and real-time view of... [Read more](https://hs.pavefi.com/pave-blog/blog/retrieve-a-complete-view-of-users-liabilities-with-the-new-liabilities-endpoint) [Product Features](https://hs.pavefi.com/pave-blog/tag/product-features), [debt consolidation](https://hs.pavefi.com/pave-blog/tag/debt-consolidation) ## [Forecast Debt Payoff Scenarios with the Liabilities Dashboard](https://hs.pavefi.com/pave-blog/blog/forecast-debt-payoff-scenarios-with-the-liabilities-dashboard) [Julia Puzzo](https://hs.pavefi.com/pave-blog/author/julia-puzzo) May 17, 2023 8:40:00 AM Following the release of our Liabilities Endpoint, we’ve launched a Liabilities Dashboard that... [Read more](https://hs.pavefi.com/pave-blog/blog/forecast-debt-payoff-scenarios-with-the-liabilities-dashboard) facebook-f icon linkedin-in icon Twitter icon instagram icon - Menu Item 1 - Sub-menu Item 1 - Another Item - Sub-menu Item 2 - Menu Item 2 - Yet Another Item - Menu Item 3 - Menu Item 4 --- # Pave Financial, Inc. 123 Main Street, City, State 11111 Copyright © 2026, Pave Financial, Inc ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Lennon Chimbumu", "url" : "https://hs.pavefi.com/pave-blog/author/lennon-chimbumu" }, "dateModified" : "2024-10-17T21:31:13.035Z", "datePublished" : "2022-11-14T16:28:22.000Z", "headline" : "Announcing our Method Integration", "image" : [ "https://hs.pavefi.com/hubfs/Imported_Blog_Media/Integration-Dark-2.png" ], "mainEntityOfPage" : { "@id" : "https://hs.pavefi.com/pave-blog/blog/method-data-source-integration", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://hs.pavefi.com/hubfs/PaveLogo-t.png" }, "name" : "Pave Financial, Inc" } } ```