> For clean Markdown of any page, append .md to the page URL. > For a complete documentation index, see https://developer.americanexpress.ferndocs.com/open-banking/confirmation-of-funds/guide/api-invocation-oauth-to-data-flow/llms.txt. > For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://developer.americanexpress.ferndocs.com/_mcp/server. # API Invocation: OAuth to Data flow ### API Invocation: OAuth to Confirmation of Funds API Flow ##### Step 1: Convert Authorization Code into an Access Token Now that the Partner application has authorization to access the Card Member's data and has been provided a one-time authorization code, the application must request the Access Token, Refresh Token, and MAC Key by using the Access Token Retrieval API. NOTE: The MAC generation logic is specific to the OAuth resources. See the OAuth APIs MAC Generation guide for specific details. Example Access Token response: ``` { "access_token": "00000000-d8v7-262f-33ot-9vh35dsj8x8m", "token_type": "mac", "expires_in": `2592000`, "refresh_token": "00000000-cfe6-495d-98cc-7fb1be768a3d", "scope": "FINS_CONF_FUND", "mac_key": "33f48435-06ae-42e1-816a-b80653562a56", "mac_algorithm": "hmac-sha-256" } ``` ##### Step 2: Use the Access Token to call the Data APIs When calling the Confirmation of Funds API, the `access_token` becomes your Client ID and the `mac_key` is used as the Secret in generating the MAC. For the details of the Confirmation of Funds API see the: API Specification . NOTE: The MAC generation logic is specific to the Confirmation of Funds API. See the Confirmation of Funds MAC Generation guide for specifics. ##### Example Sandbox resource Method Endpoint `POST` [https://openamex-qa.americanexpress.com/servicing/v1/card\_member/funds/confirmations](https://openamex-qa.americanexpress.com/servicing/v1/card_member/funds/confirmations)