Track Account Activity

TxB APIs allow Clients to track real-time ledger activity. Clients use this service to understand what transactions have impacted their TxB account balance today (real-time, intraday) or on previous days (end of day, prior days). Whereas payment status APIs provide interim status updates (e.g., PENDING), ledger activity generally reflects payments which are in a terminal state (e.g., SETTLED).

Step by step guide

Step 1 - Get a list of all referenceNumbers

Our ledger activities APIs provide information on an account or service level. So, our first step is to get a list of the accounts or services ('referenceNumbers') associated with a TxB Client.



referenceNumber is the unique identifier of a TxB account or service

GET /v1/reports/transactionReports/reportReferences will return a list of accounts or services that the Client currently uses. It returns 2 referenceNumbers, 1 for a deposit account and 1 for a payments only service.

    "referenceNumber": "123456789012",
    "referenceType": "DEPOSITACCOUNT", \\ can be Deposit Account or Payments Service Number
    "isVirtual": false
    "referenceNumber": "123456789011",
    "referenceType": "PAYMENTSONLY", \\ can be Deposit Account or Payments Service Number
    "isVirtual": false

Step 2 - Get the transactionReport for the TxB deposit account

GET /v2/reports/transactionReports?referenceNumber='123456789012'&businessDate='10-11-2020&limit=10' returns the full balance info for the account and the first 10 transactions for the requested businessDate:

  "asOfDateTime": "2020-10-11T23:52:42.279Z",
  "references": {
    "referenceNumber": "123456789012",  // aka  accountNumber
    "referenceType": "DEPOSITACCOUNT",
    "currency": "USD",
    "jurisdiction": "US",               // Identifies the country of the TxB Branch
    "referenceBank": {...},             // Identifies the BIC, Routing Number of the TxB account
    "isVirtual": false,
    "virtualAccountDetails": {          // shows virtual account hierarchy
     "parentAccountNumber": null,
     "physicalAccountNumber": null

  "balances": [
      "balanceType": "AVAILABLE",
      "startOfDayBalance": 2000,
      "endOfDayBalance": null,
      "currentBalance": 1000
      "balanceType": "LEDGER",
      "startOfDayBalance": 2000,
      "endOfDayBalance": null,
      "currentBalance": 1000
  "transactions": [
      "postingDate": "2020-10-11T16:52:42.279Z",
      "valueDate": "2020-10-11",
      "amount": 1000.00 ,
      "amountCurrency": "USD"
      "identifiers": {
        "gsUniquePaymentId": "Id_TxB_Created)",
        "paymentEndToEndId": "Id_You_Created"
      "transactionType": "Outgoing Wire",
      "transactionTypeCode": {
        "domainCode": "PMNT",
        "familyCode": "ICDT",
        "subFamilyCode": "XBCT"
      "linkedRecords": {...}             // E.g., returns link to the original payment
  "hasMore": false

Step 3 - Interpret the data & repoll if necessary

Based on the data that we return, you will need to perform some analysis and figure out if there are any additional actions required

  • References object

    1. Use this section to understand how this account fits into a broader portfolio of accounts
    2. E.g., if this is a multi-currency account or virtual account, you may need to repeat this query on each virtual account to create a full view of transaction activity
  • Balances array

    1. Use this section to understand how much liquidity is available in the account
    2. In this case, the endOfDayBalance is null, which means that the 'books' have not closed on the account for the day. You may want to poll again at the end of the day (e.g., ~8pm EST) when endOfDayBalance is populated
    3. The balances and transactions tie out as expected. balances[0].startOfDay - transactions[0].amount = balances[0].currentBalance
  • Transactions array

    1. There is only 1 transaction available for this account on this businessDate. Note that hasMore equals false, so there aren't any additional pages of transactions to pull for this account
    2. Each transaction is uniquely identified by the gsUniquePaymentId (think of this as your transactionId)
    3. In most cases, 1 payment equals 1 transaction, e.g., if I make an outbound wire payment from TxB to another bank, this single wire payment will be reflected as a single transaction
    4. In other cases, 1 payment equals more than 1 transaction, e.g., if that same wire payment is returned by the receiving bank, then you will see two transactions in your account (1 for the payment and 1 for the return)
    5. In yet other cases, more than 1 payment equals 1 transaction, e.g., for bulk-processed payments (e.g., US ACH), all N payments within a payment batch will be treated as a single transaction

For information about account data access for UK open banking, learn more here.

Certain solutions and Institutional Services described herein are provided via our Marquee platform. The Marquee platform is for institutional and professional clients only. This site is for informational purposes only and does not constitute an offer to provide the Marquee platform services described, nor an offer to sell, or the solicitation of an offer to buy, any security. Some of the services and products described herein may not be available in certain jurisdictions or to certain types of clients. Please contact your Goldman Sachs sales representative with any questions. Any data or market information presented on the site is solely for illustrative purposes. There is no representation that any transaction can or could have been effected on such terms or at such prices. Please see for additional information.
Transaction Banking services are offered by Goldman Sachs Bank USA (“GS Bank”). GS Bank is a New York State chartered bank, a member of the Federal Reserve System and a Member FDIC.
GS DAP™ is owned and operated by Goldman Sachs. This site is for informational purposes only and does not constitute an offer to provide, or the solicitation of an offer to provide access to or use of GS DAP™. Any subsequent commitment by Goldman Sachs to provide access to and / or use of GS DAP™ would be subject to various conditions, including, amongst others, (i) satisfactory determination and legal review of the structure of any potential product or activity, (ii) receipt of all internal and external approvals (including potentially regulatory approvals); (iii) execution of any relevant documentation in a form satisfactory to Goldman Sachs; and (iv) completion of any relevant system / technology / platform build or adaptation required or desired to support the structure of any potential product or activity.
Mosaic is a service mark of Goldman Sachs & Co. LLC. This service is made available in the United States by Goldman Sachs & Co. LLC and outside of the United States by Goldman Sachs International, or its local affiliates in accordance with applicable law and regulations. Goldman Sachs International and Goldman Sachs & Co. LLC are the distributors of the Goldman Sachs Funds. Depending upon the jurisdiction in which you are located, transactions in non-Goldman Sachs money market funds are affected by either Goldman Sachs & Co. LLC, a member of FINRA, SIPC and NYSE, or Goldman Sachs International. For additional information contact your Goldman Sachs representative. Goldman Sachs & Co. LLC, Goldman Sachs International, Goldman Sachs Liquidity Solutions, Goldman Sachs Asset Management, L.P., and the Goldman Sachs funds available through Goldman Sachs Liquidity Solutions and other affiliated entities, are under the common control of the Goldman Sachs Group, Inc.
© 2024 Goldman Sachs. All rights reserved.