> ## Documentation Index > Fetch the complete documentation index at: https://docs.montereyfinancial.dev/llms.txt > Use this file to discover all available pages before exploring further. # List accounts > Paginated list of accounts scoped to the calling key's organization allowlist. Filter by `organization_id` (returns 403 if out of scope). ## OpenAPI ````yaml /api-reference/external_api.openapi.json get /accounts openapi: 3.1.0 info: title: Monterey External Reporting API description: >- Org-scoped, API-key-authenticated reporting endpoints for Monterey Financial clients. version: 0.1.0 servers: - url: https://api.montereyfinancial.app description: Production security: - BearerApiKey: [] paths: /accounts: get: tags: - Accounts summary: List accounts description: >- Paginated list of accounts scoped to the calling key's organization allowlist. Filter by `organization_id` (returns 403 if out of scope). operationId: list_accounts_accounts_get parameters: - name: organization_id in: query required: false schema: anyOf: - type: string - type: 'null' title: Organization Id - name: cursor in: query required: false schema: anyOf: - type: string - type: 'null' description: >- Opaque pagination cursor from a previous response's `page.next_cursor`. Omit on the first page. title: Cursor description: >- Opaque pagination cursor from a previous response's `page.next_cursor`. Omit on the first page. - name: limit in: query required: false schema: anyOf: - type: integer maximum: 1000 minimum: 1 - type: 'null' description: >- Page size for cursor pagination. Default 100, minimum 1, maximum 1000. Requests above the maximum return 422 — narrow your page size and use the returned `next_cursor` to walk additional pages. title: Limit description: >- Page size for cursor pagination. Default 100, minimum 1, maximum 1000. Requests above the maximum return 422 — narrow your page size and use the returned `next_cursor` to walk additional pages. responses: '200': description: Successful Response content: application/json: schema: $ref: '#/components/schemas/Page_AccountRow_' '401': description: Missing or invalid API key. '403': description: organization_id outside the key's allowlist. '404': description: Resource not in scope or does not exist. '422': description: Validation Error content: application/json: schema: $ref: '#/components/schemas/HTTPValidationError' security: - BearerApiKey: [] components: schemas: Page_AccountRow_: properties: items: items: $ref: '#/components/schemas/AccountRow' type: array title: Items page: $ref: '#/components/schemas/PageMeta' type: object required: - items - page title: Page[AccountRow] description: 'A page of results: `items` plus a `page` pagination envelope.' HTTPValidationError: properties: detail: items: $ref: '#/components/schemas/ValidationError' type: array title: Detail type: object title: HTTPValidationError description: >- Parameter-validation error (HTTP 422). `detail` lists each violated constraint with its location, message, and type. AccountRow: properties: id: type: string title: Id organization_id: type: string title: Organization Id description: >- The organization the account belongs to. Same value on every row for that organization. contract_id: type: string title: Contract Id primary_borrower_party_id: anyOf: - type: string - type: 'null' title: Primary Borrower Party Id description: The person who is the primary borrower on this account. external_account_number: anyOf: - type: integer - type: 'null' title: External Account Number description: >- Account number assigned by the source loan management system. Stable for the account's lifetime; useful for cross-referencing LMS-side exports. external_contract_number: anyOf: - type: string - type: 'null' title: External Contract Number description: >- Contract identifier you/your systems pass to Monterey at account creation — the canonical join key back to your systems. status_code: anyOf: - type: string - type: 'null' title: Status Code description: >- Short code for the account's current status (e.g. OPEN, CHARGED_OFF, PAID_IN_FULL). current_balance_cents: anyOf: - type: integer - type: 'null' title: Current Balance Cents description: Current outstanding balance in integer cents. past_due_amount_cents: anyOf: - type: integer - type: 'null' title: Past Due Amount Cents description: Amount past due in integer cents. payoff_amount_cents: anyOf: - type: integer - type: 'null' title: Payoff Amount Cents description: Amount required to pay off the account in full, in integer cents. payment_amount_cents: anyOf: - type: integer - type: 'null' title: Payment Amount Cents description: Scheduled per-period payment amount in integer cents. payment_frequency: anyOf: - type: string - type: 'null' title: Payment Frequency description: Cadence of scheduled payments (e.g. 'monthly', 'biweekly'). last_payment_at: anyOf: - type: string format: date - type: 'null' title: Last Payment At description: Date of the most recent payment received. next_payment_due_at: anyOf: - type: string format: date - type: 'null' title: Next Payment Due At description: Due date of the next scheduled payment. payments_made: anyOf: - type: integer - type: 'null' title: Payments Made interest_rate_bps: anyOf: - type: integer - type: 'null' title: Interest Rate Bps description: >- Annual interest rate in basis points; divide by 10000 for the decimal rate. apr_bps: anyOf: - type: integer - type: 'null' title: Apr Bps description: >- Annual percentage rate in basis points; divide by 10000 for the decimal rate. interest_start_at: anyOf: - type: string format: date - type: 'null' title: Interest Start At days_past_due_30: anyOf: - type: integer - type: 'null' title: Days Past Due 30 description: >- Days the account has spent in the 1–30 days-past-due delinquency bucket. days_past_due_60: anyOf: - type: integer - type: 'null' title: Days Past Due 60 description: >- Days the account has spent in the 31–60 days-past-due delinquency bucket. days_past_due_90: anyOf: - type: integer - type: 'null' title: Days Past Due 90 description: >- Days the account has spent in the 61–90 days-past-due delinquency bucket. nsf_count: anyOf: - type: integer - type: 'null' title: Nsf Count description: Number of non-sufficient-funds (NSF) events on this account. opened_at: anyOf: - type: string format: date - type: 'null' title: Opened At description: Date the account was opened / activated. closed_at: anyOf: - type: string format: date - type: 'null' title: Closed At description: Date the account was closed. Null if still open. type: object required: - id - organization_id - contract_id title: AccountRow description: |- Row shape for GET /accounts (list) and the nested GET /persons/{id}/accounts. Stays narrow — no joins beyond the status code lookup, no computed fields. For richer per-account data use GET /accounts/{id} (returns AccountDetailRow). examples: - apr_bps: 2142 contract_id: 01J7XY1W2V3U4T5S6R7Q8P9N0M current_balance_cents: 845000 days_past_due_30: 0 days_past_due_60: 0 days_past_due_90: 0 external_account_number: 1004782 external_contract_number: CTR-2023-00441 id: 01J9ZQ8H7Z3K8M4N5P6Q7R8S9T interest_rate_bps: 1999 last_payment_at: '2026-04-15' next_payment_due_at: '2026-05-15' nsf_count: 1 opened_at: '2024-11-01' organization_id: 01J8AB2C3D4E5F6G7H8J9K0L1M past_due_amount_cents: 0 payment_amount_cents: 25000 payment_frequency: monthly payments_made: 18 payoff_amount_cents: 851200 primary_borrower_party_id: 01J6WV0U1T2S3R4Q5P6N7M8L9K status_code: OPEN PageMeta: properties: next_cursor: anyOf: - type: string - type: 'null' title: Next Cursor description: Opaque token to pass as ?cursor= to fetch the next page. has_more: type: boolean title: Has More description: True if more rows exist past this page. limit: type: integer title: Limit description: Echo of the resolved page size. type: object required: - has_more - limit title: PageMeta description: >- Pagination envelope on list responses. `next_cursor` is non-null when more rows exist — pass it back as `cursor` to continue. ValidationError: properties: loc: items: anyOf: - type: string - type: integer type: array title: Location msg: type: string title: Message type: type: string title: Error Type input: title: Input ctx: type: object title: Context type: object required: - loc - msg - type title: ValidationError description: >- A single parameter-validation failure: `loc` is the path to the offending input, `msg` is human-readable, and `type` is the rule that failed. securitySchemes: BearerApiKey: type: http description: Static API key issued via the client portal. Treat it like a password. scheme: bearer bearerFormat: ApiKey ````