Open a credit line

Authentication

Bearer token authentication. Pass your DayZero API token in the Authorization header and the target business UUID in x-business-id.

Request body

Schema: CreditLineCreateRequest

program_idstring

Program to open under. Falls back to the default.

external_line_idstring

Your id for the line, unique within your business. An open that repeats one already in use returns that line as it stands and writes nothing, so a timed-out open can be sent again.

external_merchant_idstring

merchant_business_idstring

The borrower's own DayZero business, when it keeps its books here. An underwriting assessment for the line measures this business. Must be a business the caller can access.

credit_limit_centsintegerrequired

Approved card spend limit.

term_daysinteger

30, 45, 60, or 90 (D-03). Applies to each transaction from its own posting date. Defaults to the program's first option.

rate_bpsinteger

disbursement_fee_bpsinteger

0-500 bps (0%-5%). Inherits the program default when omitted.

cycle_anchor_dayinteger

start_datestring · date

The signing date: the effective date named in the merchant's Credit Agreement. Not the approval date, the countersign date, or the first draw (D-18). Shown on the dashboard metadata row.

linked_account_namestring

Display name of the merchant's repayment account.

linked_account_maskstring

Last digits of the repayment account.

plaid_account_idstring

The merchant's Plaid account the repayments leave from; bank-matched settlement watches it and AutoPay needs it.

autopay_enabledboolean

Emit credit.autopay.due once for each loan when it falls due, or on the next sweep for a loan already past due (the partner debits).

merchant_emailstring

Where statements and borrower notices go. None sends nothing.

merchant_legal_namestring

The merchant's legal entity name, as printed on disclosures. Required at open when the program's compliance.enabled is true.

merchant_statestring

Two-letter US state, DC or territory code of the merchant. Selects the disclosure template. Required at open when the program's compliance.enabled is true.

merchant_addressMerchantAddress

The merchant's registered address. Required at open when the program's compliance.enabled is true.

cardLineOpenCardRequest

Issue a card with the line. Only under a program with card_management: dayzero and issuing_enabled: true (else 400 CREDIT_551, and no line is opened). Once the line is open DayZero issues the card as POST /credit/cards would, with the program's MCC allow list; the response carries card, or card_issue_error when the issuer refused it, in which case the line stays open and the card can be issued later with POST /credit/cards.

Responses