Best Practices

Performance

Use Pagination: For large datasets like transaction history, leverage pagination parameters (limit, next_page) to reduce response times and server load.
Cache Responses: Store frequently accessed data, such as account balances, in a secure cache to minimize API calls. Use appropriate cache expiration to ensure data freshness.

Secure API Key Storage: Store API keys in environment variables or a secure vault, never in source code or version control.
Enforce HTTPS: Always use HTTPS for API requests and validate SSL certificates to prevent man-in-the-middle attacks.
Limit Exposure: Restrict API key permissions to the minimum required scope and rotate keys regularly.

Retry Logic: Implement exponential backoff for transient errors (e.g., 503 Service Unavailable) to improve reliability without overwhelming the server.
Log Errors: Capture detailed error logs, including status codes and response bodies, for debugging and monitoring. Avoid exposing sensitive error details to users.
Graceful Fallbacks: Handle errors like 429 Rate Limit Exceeded by informing users and queuing requests if appropriate.

Intuitive Consent Flows: Design clear, user-friendly consent interfaces for data sharing, explaining what data is accessed and why. Allow users to revoke consent easily.
Handle Downtime Gracefully: Detect bank downtime (e.g., via 503 errors) and display informative messages to users, offering retry options or fallback features.
Responsive Feedback: Provide immediate feedback for user actions (e.g., payment initiation) and clear status updates for asynchronous processes.