Credit
Partner credit lines — programs, lines, card settlements, loans, daily accrual, statements, payoff quotes, payments, underwriting and versioned scorecards, card issuing, and the credit event feed. DayZero keeps the ledger and measures; the partner moves the money and makes the lending decision.
160 endpoints.
- POST
/api/v1/credit/accruals/runRun the daily accrual processor - GET
/api/v1/credit/adverse-actionsList adverse actions - GET
/api/v1/credit/adverse-actions/{adverse_action_id}.pdfDownload an adverse-action notice - POST
/api/v1/credit/adverse-actions/{adverse_action_id}/sendSend an adverse-action notice - POST
/api/v1/credit/adverse-actions/{adverse_action_id}/waiveWaive an adverse-action notice - GET
/api/v1/credit/billing-lapse-riskWill this business's API access lapse? - POST
/api/v1/credit/card-settlementsIngest cleared card settlements - POST
/api/v1/credit/cardsIssue a card against a credit line - POST
/api/v1/credit/cards/reconcile-settlementsReconcile issuer transactions against settlements - POST
/api/v1/credit/cards/registerRegister a partner-provisioned card - POST
/api/v1/credit/cards/syncReconcile cards against the issuer - DELETE
/api/v1/credit/cards/{card_id}Terminate a card - POST
/api/v1/credit/cards/{card_id}/embed-tokenMint a token to display card credentials - PATCH
/api/v1/credit/cards/{card_id}/limitsUpdate card spend controls - DELETE
/api/v1/credit/cards/{card_id}/suspensionLift a card suspension - POST
/api/v1/credit/cards/{card_id}/suspensionSuspend a card - GET
/api/v1/credit/compliance/held-increasesList held limit increases - GET
/api/v1/credit/compliance/jurisdiction-gapsLines missing the merchant's jurisdiction - GET
/api/v1/credit/compliance/templatesList compliance templates - POST
/api/v1/credit/compliance/templates/{template_id}/approveApprove a compliance template - GET
/api/v1/credit/compliance/templates/{template_id}/previewPreview a compliance template - POST
/api/v1/credit/compliance/templates/{template_id}/retireRetire a compliance template - POST
/api/v1/credit/cycles/assess-lateLate sweep - POST
/api/v1/credit/cycles/closeMonth-end close - GET
/api/v1/credit/disclosures/{disclosure_id}.pdfDownload a disclosure - POST
/api/v1/credit/disclosures/{disclosure_id}/withdrawWithdraw a held limit increase - POST
/api/v1/credit/disputes/{dispute_id}/resolutionResolve a dispute - GET
/api/v1/credit/environmentWhich book am I on? - GET
/api/v1/credit/event-deliveriesWebhook delivery status for a page of credit events - GET
/api/v1/credit/eventsPoll the credit event feed - GET
/api/v1/credit/events/{event_id}/deliveriesWebhook deliveries of one credit event - GET
/api/v1/credit/finance/borrowing-baseBorrowing base - GET
/api/v1/credit/finance/journalCredit journal for a month - POST
/api/v1/credit/finance/journal/pushPush the credit journal to QuickBooks - GET
/api/v1/credit/finance/ledger-proofLedger integrity proof - GET
/api/v1/credit/finance/tie-outTie out outstanding three ways - GET
/api/v1/credit/import-batches/{staging_id}A staged loan file's status, totals and run - PUT
/api/v1/credit/import-batches/{staging_id}/mappingCorrect a staged loan file's mapping - GET
/api/v1/credit/import-batches/{staging_id}/reportThe import report of a loan file's last run - GET
/api/v1/credit/interchangeInterchange recognised - POST
/api/v1/credit/interchange/reportIngest the issuer's interchange report - GET
/api/v1/credit/issuer/card-transactionsList the issuer's card transactions - GET
/api/v1/credit/issuer/cardholdersList spend by cardholder - GET
/api/v1/credit/issuer/cardsList the issuer's cards - DELETE
/api/v1/credit/limit-change-requests/{request_id}Cancel a limit-change request - GET
/api/v1/credit/limit-change-requests/{request_id}Get a limit-change request - POST
/api/v1/credit/limit-change-requests/{request_id}/decisionApprove or reject a limit-change request - POST
/api/v1/credit/limit-reviews/{review_id}/decisionApply or dismiss a proposed limit review - GET
/api/v1/credit/linesList credit lines - POST
/api/v1/credit/linesOpen a credit line - GET
/api/v1/credit/lines/{credit_line_id}Credit line dashboard - PATCH
/api/v1/credit/lines/{credit_line_id}Update a credit line - GET
/api/v1/credit/lines/{credit_line_id}/cardsList cards on a credit line - GET
/api/v1/credit/lines/{credit_line_id}/cards/monitorMonitor card spend and controls - POST
/api/v1/credit/lines/{credit_line_id}/cards/spend-limit-syncPush available credit to the issuer as the card limit - GET
/api/v1/credit/lines/{credit_line_id}/credit-balanceWhere a line's credit balance came from - GET
/api/v1/credit/lines/{credit_line_id}/disclosureDisclosure figures for a loan - GET
/api/v1/credit/lines/{credit_line_id}/disclosuresList a line's disclosures - POST
/api/v1/credit/lines/{credit_line_id}/disclosuresGenerate a disclosure now - GET
/api/v1/credit/lines/{credit_line_id}/disputesList a line's disputes - GET
/api/v1/credit/lines/{credit_line_id}/ledgerCredit line ledger register - GET
/api/v1/credit/lines/{credit_line_id}/ledger/verifyVerify ledger integrity - GET
/api/v1/credit/lines/{credit_line_id}/limit-change-requestsList a line's limit-change requests - POST
/api/v1/credit/lines/{credit_line_id}/limit-change-requestsRequest a credit-limit change - GET
/api/v1/credit/lines/{credit_line_id}/limit-reviewsList a line's limit reviews - POST
/api/v1/credit/lines/{credit_line_id}/limit-reviews/runReview a line's limit now - GET
/api/v1/credit/lines/{credit_line_id}/loansList loans on a line - POST
/api/v1/credit/lines/{credit_line_id}/loans/importImport existing loans onto a line - GET
/api/v1/credit/lines/{credit_line_id}/noticesList notices sent on a line - GET
/api/v1/credit/lines/{credit_line_id}/payment-aliasesList a line's payment aliases - POST
/api/v1/credit/lines/{credit_line_id}/payment-aliasesRecord a payment alias - GET
/api/v1/credit/lines/{credit_line_id}/payment-matchesList the bank-settlement decisions on a line - GET
/api/v1/credit/lines/{credit_line_id}/paymentsList payments on a line - GET
/api/v1/credit/lines/{credit_line_id}/payoff-quoteQuote the payoff amount - GET
/api/v1/credit/lines/{credit_line_id}/portal-sessionsList borrower-portal links - POST
/api/v1/credit/lines/{credit_line_id}/portal-sessionsMint a borrower-portal link - GET
/api/v1/credit/lines/{credit_line_id}/scheduleRepayment schedule - GET
/api/v1/credit/lines/{credit_line_id}/statementsList statements - GET
/api/v1/credit/lines/{credit_line_id}/statements/{cycle_id}Get a rendered statement - GET
/api/v1/credit/lines/{credit_line_id}/subledgerTransactions tab: summary band, loan rows, period history - GET
/api/v1/credit/lines/{credit_line_id}/subledger/exportExport the Transactions tab as CSV - GET
/api/v1/credit/loans/{loan_id}Get one loan - GET
/api/v1/credit/loans/{loan_id}/adjustmentsList a loan's adjustments - POST
/api/v1/credit/loans/{loan_id}/adjustmentsAdjust a loan - POST
/api/v1/credit/loans/{loan_id}/disputeOpen a dispute on a loan - POST
/api/v1/credit/loans/{loan_id}/write-offWrite off a loan - DELETE
/api/v1/credit/payment-aliases/{alias_id}Delete a payment alias - POST
/api/v1/credit/payment-matches/{match_id}/overrideConfirm or reject a bank-settlement match - POST
/api/v1/credit/paymentsRecord a payment - POST
/api/v1/credit/payments/previewPreview a payment - GET
/api/v1/credit/payments/resolveResolve an inbound payment to a credit line - POST
/api/v1/credit/payments/{payment_id}/reversalReverse a failed payment - POST
/api/v1/credit/payments/{payment_id}/settlementConfirm a pending payment settled - DELETE
/api/v1/credit/portal-sessions/{session_id}Revoke a borrower-portal link - GET
/api/v1/credit/portfolioPortfolio, aging, and allowance - GET
/api/v1/credit/portfolio/loan-tapeLoan tape (CSV) - GET
/api/v1/credit/programsList lending programs - POST
/api/v1/credit/programsCreate a lending program - GET
/api/v1/credit/programs/{program_id}Get a lending program - PATCH
/api/v1/credit/programs/{program_id}Update a lending program - POST
/api/v1/credit/programs/{program_id}/card-managementSwitch who manages a program's cards - GET
/api/v1/credit/programs/{program_id}/import-batchesA program's loan files, newest first - POST
/api/v1/credit/programs/{program_id}/loans/importDry-run or apply a staged loan file across the program - POST
/api/v1/credit/programs/{program_id}/loans/import/parseUpload a loan file and infer its mapping - POST
/api/v1/credit/programs/{program_id}/mcc-allowlist/applyApply an MCC allow list - POST
/api/v1/credit/programs/{program_id}/mcc-allowlist/previewPreview an MCC allow list - GET
/api/v1/credit/programs/{program_id}/readinessLaunch readiness of a program - POST
/api/v1/credit/programs/{program_id}/readiness/evaluateEvaluate and store a program's launch readiness - GET
/api/v1/credit/programs/{program_id}/scorecardsList a program's scorecards - POST
/api/v1/credit/programs/{program_id}/scorecardsCreate a scorecard - POST
/api/v1/credit/programs/{program_id}/scorecards/from-seedStart the scorecard from a seed - GET
/api/v1/credit/readinessLaunch readiness of every program - POST
/api/v1/credit/sandbox/advanceMove the sandbox clock - POST
/api/v1/credit/sandbox/card-transactionsClear, void or dispute a card transaction - GET
/api/v1/credit/sandbox/jobs/{job_id}A sandbox job - POST
/api/v1/credit/sandbox/partner-exportSeed the sandbox from a partner export - GET
/api/v1/credit/sandbox/partner-pullsList registered pulls - POST
/api/v1/credit/sandbox/partner-pullsRegister a pull of a partner's data - DELETE
/api/v1/credit/sandbox/partner-pulls/{pull_id}Delete a registered pull - POST
/api/v1/credit/sandbox/provisionCreate the paired sandbox - POST
/api/v1/credit/sandbox/resetStart the sandbox over - POST
/api/v1/credit/sandbox/scenarios/appendix-bStage the Appendix B book - POST
/api/v1/credit/sandbox/scenarios/portfolio-50Generate a whole sandbox book from a seed - POST
/api/v1/credit/sandbox/sync-configCopy program configuration to the sandbox again - POST
/api/v1/credit/sandbox/walksRecord a walk of Appendix B - GET
/api/v1/credit/scorecard-backtests/{backtest_id}Get a backtest - GET
/api/v1/credit/scorecard-backtests/{backtest_id}/exportDownload a backtest as CSV - GET
/api/v1/credit/scorecard-seedsThe scorecard seeds DayZero ships - GET
/api/v1/credit/scorecard-versions/{from_version_id}/diff/{to_version_id}Compare two scorecard versions - DELETE
/api/v1/credit/scorecard-versions/{version_id}Discard a draft version - GET
/api/v1/credit/scorecard-versions/{version_id}Get a scorecard version - PATCH
/api/v1/credit/scorecard-versions/{version_id}Edit a draft version - POST
/api/v1/credit/scorecard-versions/{version_id}/activateActivate an approved version - POST
/api/v1/credit/scorecard-versions/{version_id}/approveRecord approval of a validated version - POST
/api/v1/credit/scorecard-versions/{version_id}/backtestBacktest a version over a cohort - GET
/api/v1/credit/scorecard-versions/{version_id}/backtestsList a version's backtests - POST
/api/v1/credit/scorecard-versions/{version_id}/previewTest a version against a business - POST
/api/v1/credit/scorecard-versions/{version_id}/validateValidate a scorecard version - POST
/api/v1/credit/scorecards/validateValidate a scorecard before putting it on a program - GET
/api/v1/credit/scorecards/{scorecard_id}Get a scorecard - PATCH
/api/v1/credit/scorecards/{scorecard_id}Update a scorecard's settings - GET
/api/v1/credit/scorecards/{scorecard_id}/auditA scorecard's audit trail - GET
/api/v1/credit/scorecards/{scorecard_id}/versionsList a scorecard's versions - POST
/api/v1/credit/scorecards/{scorecard_id}/versionsStart a new draft version - POST
/api/v1/credit/sweeps/dailyRun the daily credit sweep - GET
/api/v1/credit/sweeps/runsList daily-sweep runs - GET
/api/v1/credit/sweeps/runs/{run_id}Get one daily-sweep run - POST
/api/v1/credit/sweeps/runs/{run_id}/rerun-stepRe-run one step of a daily-sweep run - GET
/api/v1/credit/underwriting/assessmentsList underwriting assessments - POST
/api/v1/credit/underwriting/assessmentsRequest an underwriting assessment - GET
/api/v1/credit/underwriting/assessments/{assessment_id}Get an underwriting assessment - GET
/api/v1/credit/underwriting/assessments/{assessment_id}/adverse-actionAdverse-action reasons for an assessment - GET
/api/v1/credit/underwriting/assessments/{assessment_id}/auditAn assessment's review trail - POST
/api/v1/credit/underwriting/assessments/{assessment_id}/completionComplete an underwriting assessment - POST
/api/v1/credit/underwriting/assessments/{assessment_id}/manual-checks/{check_id}Attest a manual check - PUT
/api/v1/credit/underwriting/assessments/{assessment_id}/notesSave reviewer notes on an assessment - POST
/api/v1/credit/underwriting/assessments/{assessment_id}/runMeasure and complete an assessment from DayZero data - GET
/api/v1/credit/underwriting/measurersCriterion keys DayZero can measure - GET
/api/v1/credit/underwriting/scorecard-vocabularyWhat a scorecard may be written with - GET
/api/v1/credit/underwriting/subject-businessesBusinesses a scorecard can be tested against