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Authentication Overview

You can access the Stitch API by using two types of access tokens: User Tokens and Client Tokens. All API calls to Stitch need to include one of these access tokens. The use cases for each are outlined below.

Client Tokens​

Client Tokens are needed to perform actions that are not linked to a user (e.g. business lookup, business account verification, creating payment requests). For more details, see the client tokens guide.

User Tokens​

A user token is needed for any data retrieval or payment actions associated with a user's bank account. User Tokens represent authorization to perform certain actions on a user's bank account e.g. query accounts, transactions, balances etc. For more details see the user tokens guide.