Fiserv DNA API
Fiserv DNA is a real-time, open-architecture core account processing platform for banks and credit unions, built around a person-centered data model and extended through DNAcreator, DNAapps, and the Fiserv AppMarket. An unofficial API lets you programmatically pull customers, accounts, deposits, loans, and transactions—and push updates like new account opening, transaction posting, and loan servicing back into DNA.
What is Fiserv DNA?
Fiserv DNA is a real-time, open-architecture core account processing platform for banks and credit unions, organized around a person-centered data model that maps information to people and relationships rather than isolated accounts. DNA delivers 24/7 real-time transaction processing across deposits, loans, and accounts—running on more than 84 million accounts and 6,000 branches in North America—and is extended through custom enhancements called DNAapps that integrate directly into the core.
Core platform areas include:
- Real-time core account processing (deposits, loans, accounts, general ledger)
- Person-centered data model organizing customers, members, and relationships
- DNAcreator developer toolkit (C#, WinForms, Web Services, Visual Studio) for building DNAapps
- DNAapps and the Fiserv AppMarket (400+ pre-integrated DNA apps and DNAappstore marketplace)
- Open APIs and web services for real-time and batch integration to third-party systems
Common data entities:
- Persons, Customers/Members, Relationships, Tax IDs, Addresses
- Deposit Accounts, Savings, Checking, Certificates, Balances
- Loans, Lines of Credit, Payments, Amortization, Collateral
- Transactions, Holds, Fees, Interest Accruals, General Ledger Entries
- Cards, ACH, Wires, Statements, Documents
The Fiserv DNA Integration Challenge
Financial institutions run mission-critical workloads on DNA every day, but turning a customizable, partner-gated core platform into reliable API-driven automation is non-trivial:
- Institution-by-institution customization: DNAapps, parameters, product definitions, and screens are tailored per bank or credit union—generic integrations break across tenants
- Partner-program gates: Building DNAapps and accessing open APIs typically requires DNAcreator licensing, AppMarket onboarding, and partnership agreements before access
- Person-centric model complexity: Mapping relationships, roles, and household structures differs from account-centric cores and complicates entity resolution
- Authentication and MFA: Core banking environments enforce strict credentials, MFA, and entitlements that complicate headless automation
- Web services and batch variability: Endpoint coverage spans real-time web services and batch files, varying by DNA version, deployment, and the institution's enabled DNAapps
- Effective dating and audit trails: Posting transactions, fees, and loan servicing actions requires precise effective-date, reason-code, and GL handling
- Compliance constraints: Real-time core access must respect entitlements, regulatory controls, and audit logging at every step
How Supergood Creates Fiserv DNA APIs
Supergood reverse-engineers authenticated DNA flows, web services, and DNAapp interactions to deliver a resilient API layer for your institution's DNA deployment—across deposits, loans, and core processing—without requiring you to build and certify DNAapps yourself.
- Handles username/password and MFA (SMS, email, TOTP) securely within a managed session
- Maintains session continuity with automated refresh and change detection
- Normalizes responses across persons, accounts, deposits, loans, and transactions so you integrate once and rely on consistent objects
- Aligns with institution-specific product definitions, DNAapps, custom fields, and entitlements to ensure compliant access
Use Fiserv DNA with AI agents: Fiserv DNA MCP Server →
Getting Started
- Schedule Integration Assessment
Book a 30-minute session to confirm your DNA modules, enabled DNAapps, and authentication model.
- Supergood Generates and Validates Your API
We deliver a hardened, production-ready DNA adapter tailored to your institution's configuration and entitlements.
- Deploy with Monitoring
Go live with continuous monitoring and automatic adjustments as DNA and your DNAapps evolve.
API Endpoints
Authentication
/authenticateAuthenticate to a Fiserv DNA institution using username/password or MFA and obtain a session token for downstream calls.
Customers
/personsList persons, customers, and members with their relationships, roles, tax IDs, and contact details from the person-centered data model.
Accounts
/accountsRetrieve deposit and loan accounts with product type, status, balances, and ownership filters.
Accounts
/open_accountOpen a new deposit or loan account against the institution's configured product definitions and entitlements.
Transactions
/transactionsPull transactions, holds, fees, and interest accruals across deposit and loan accounts with date and status filters.
Transactions
/post_transactionPost a real-time transaction (deposit, withdrawal, transfer, or fee) with effective date, reason code, and GL handling.
Use Cases
Sync core banking data into your warehouse
- Pull persons, accounts, deposits, and loans from DNA into a single data warehouse - Stream transaction, hold, and fee events to downstream BI, fraud, and reporting tools - Reconcile customer and member relationships across the person-centered model for unified profiles
Automate account opening and onboarding
- Push new deposit and loan applications into DNA against configured product definitions - Resolve persons and relationships before creating accounts to avoid duplicates - Trigger downstream CRM, KYC, and funding workflows the moment an account is opened
Power real-time transaction and payment flows
- Post deposits, withdrawals, transfers, and fees in real time with effective dating - Surface holds, NSF events, and interest accruals to retention and treasury tools - Reconcile ACH, wires, and card activity against general ledger entries
Service loans and portfolios programmatically
- Pull loan balances, payments, amortization, and collateral for servicing dashboards - Apply payments and adjustments with reason codes and GL posting - Surface delinquency and pending-action events to collections and reporting workflows
Technical Specifications
Authentication
Username/password and MFA (SMS, email, TOTP) handled in a managed session
Connectivity
Authenticated DNA flows plus DNA web services and DNAapp surfaces where exposed by the institution
Response format
Normalized JSON across persons, accounts, deposits, loans, and transaction objects
Rate limits
Adaptive throttling tuned to your DNA deployment to avoid core-side limits
Session management
Automatic session refresh, MFA replay handling, and credential rotation
Data freshness
Near real-time pulls for accounts, transactions, and loans with optional scheduled batch syncs
Security
Encrypted credential vault, scoped access tokens, SOC 2-aligned controls, and audit logging
Webhooks
Event-style callbacks for account opening, transaction posting, loan payments, and balance changes
Latency
Sub-second reads on cached entities; multi-second writes when posting through core transaction workflows
Throughput
Horizontally scaled workers sized to high-volume real-time core processing
Reliability
Retry, backoff, and idempotency keys for transaction posting and loan servicing actions
Adaptation
Continuous monitoring of DNA releases, DNAapp changes, and institution-specific configuration drift
Frequently asked questions
No. Supergood works against your existing DNA entitlements and authenticated sessions. You don't need to license DNAcreator, build and certify a DNAapp, or complete AppMarket onboarding to integrate.
Yes. Supergood normalizes data across deposit and loan accounts—including balances, transactions, payments, and amortization—so you integrate deposit and lending entities once across the core.
Supergood preserves the person-and-relationship structure DNA is built on, exposing persons, roles, and household relationships rather than flattening everything to isolated accounts, so entity resolution stays accurate.
Yes. In addition to reads, the API can open accounts and post transactions with effective dating, reason codes, and GL handling, with idempotency keys to make writes safe to retry.
Each deployment is profiled against its configured product definitions, parameters, and enabled DNAapps. Supergood preserves institution-specific fields, lifecycle states, and entitlements rather than forcing a generic schema.