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Changelog

Changes to TransactAPI that affect your integration: a change in how an endpoint behaves, a deprecation, a removal, or anything that needs action on your side. Changes that need action are announced here at least 30 days before they take effect. Dates are when a change reached production.

Upcoming

Starting November 1, 2026, each URL returned by these endpoints is valid for 24 hours after it is generated and for one successful completion:

Endpoint One completion
linkCreditCard One card saved
updateLinkedCreditCard One card saved
linkExternalAccount One bank account linked
updateLinkExternalAccount One bank account linked

Reopening the page within the 24 hours still works, including after a failed Plaid attempt. The URL's params value becomes a fixed 64-character string. URLs generated before November 1 keep working for 24 hours after the change.

What to do: request a new URL each time an investor links or replaces a card or bank account, instead of storing and reusing one. Treat the URL as opaque. See Credit Card and ACH.

Past

September 29, 2026

  • SMS notifications removed. The SMS notification option is removed from the Transact Portal webhook pages.
  • Replacing a bank account through Plaid. updateLinkExternalAccount now works for accounts whose bank account was entered with updateExternalAccount.

September 28, 2026

  • createCustodyFundMove webhook. The deposit status is now sent under status, matching updateCustodyFundMove. It was previously sent under the key 0. See Webhooks.
  • updateKycAml webhook. Clients with more than one URL registered for updateKycAml now receive one delivery per URL.

September 24, 2026

  • HTTPS webhook URLs. Webhook URLs that do not use HTTPS are rejected when saved.
  • getApiCount deprecated. See Serverless APIs.

September 10, 2026

  • Webhook encryption key length. A new or changed webhook payload encryption key must be exactly 32 characters with no whitespace. Leave it empty for unencrypted webhooks. Existing keys are not affected: webhooks keep using them, and other settings can be saved without changing them. See Setting Up Encrypted Webhooks.

August 18, 2026

  • createTrade fees. fees must be a non-negative number; other values return error code 106. The minimum and maximum purchase check now applies to the trade amount including fees. See createTrade.

August 13, 2026

  • Webhook request headers. Every webhook delivery sends User-Agent: NorthCapital-TAPI/1.0, and X-NC-Token when identification tokens are set up for your organization. See Identifying Webhook Traffic.
  • Unchanged trade status updates. When an updateTradeStatus call changes nothing, it no longer adds an entry to partyDetails in getTrade and no longer sends the Update-Trade-Status webhook.