Reconcile issuer transactions against settlements

POST/api/v1/credit/cards/reconcile-settlements

Lists the issuer's cleared transactions per card for the window and originates any that never arrived by webhook. A recorded settlement the issuer now reports voided or declined is reversed at once when nothing has been paid on its loan, and otherwise put on hold for an operator; with hold_voided false it is only reported. The nightly sweep runs this over the last 7 days when DayZero manages the cards.

Operation ID: reconcile_settlements·View as markdown·OpenAPI slice

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: SettlementReconcileRequest

credit_line_idstring
daysinteger
dispute_lookback_daysinteger: How far back to read the issuer's transactions again for disputes and voids: every settlement recorded before the days window and within this one is checked against what the issuer now lists, so a dispute first listed late opens a hold and a late cancellation releases one. Only disputes and voids are applied from this pass; nothing is ingested. No effect when it is not longer than days.
ingest_missingboolean: Originate loans for cleared transactions we never received.
hold_voidedboolean: Put the loan of a recorded settlement the issuer now reports voided or declined on hold: reversed at once when nothing has been paid on it, otherwise held for an operator to resolve. False only reports it.

Responses

201Successful Response

Schema: SuccessEnvelope_SettlementReconcileResponse_

successboolean
messagestring
codestring
dataSettlementReconcileResponse

400Bad Request - Invalid input

Schema: ErrorResponse

errorstringrequired: Error category: validation_error, unauthorized, forbidden, not_found, conflict, rate_limited, server_error, or service_unavailable.
messagestringrequired: Human-readable explanation, safe to show to end users.
codestringrequired: Stable machine-readable code in CATEGORY_NNN form (e.g. NOT_FOUND_006, AUTH_010, GEN_002).
request_idstring: Correlation id for support requests. Echoes the x-request-id request header when one was supplied.
errorsobject: Field-level validation messages keyed by field name. Present on 400/422 validation failures only.

401Unauthorized - Missing or expired token, an MCP OAuth token used against the REST API, or no access to this business

Schema: ErrorResponse

errorstringrequired: Error category: validation_error, unauthorized, forbidden, not_found, conflict, rate_limited, server_error, or service_unavailable.
messagestringrequired: Human-readable explanation, safe to show to end users.
codestringrequired: Stable machine-readable code in CATEGORY_NNN form (e.g. NOT_FOUND_006, AUTH_010, GEN_002).
request_idstring: Correlation id for support requests. Echoes the x-request-id request header when one was supplied.
errorsobject: Field-level validation messages keyed by field name. Present on 400/422 validation failures only.

403Forbidden - Insufficient permissions

Schema: ErrorResponse

errorstringrequired: Error category: validation_error, unauthorized, forbidden, not_found, conflict, rate_limited, server_error, or service_unavailable.
messagestringrequired: Human-readable explanation, safe to show to end users.
codestringrequired: Stable machine-readable code in CATEGORY_NNN form (e.g. NOT_FOUND_006, AUTH_010, GEN_002).
request_idstring: Correlation id for support requests. Echoes the x-request-id request header when one was supplied.
errorsobject: Field-level validation messages keyed by field name. Present on 400/422 validation failures only.

422Validation Error

Schema: ErrorResponse

errorstringrequired: Error category: validation_error, unauthorized, forbidden, not_found, conflict, rate_limited, server_error, or service_unavailable.
messagestringrequired: Human-readable explanation, safe to show to end users.
codestringrequired: Stable machine-readable code in CATEGORY_NNN form (e.g. NOT_FOUND_006, AUTH_010, GEN_002).
request_idstring: Correlation id for support requests. Echoes the x-request-id request header when one was supplied.
errorsobject: Field-level validation messages keyed by field name. Present on 400/422 validation failures only.

Code samples

POST/api/v1/credit/cards/reconcile-settlements

bash

curl -X POST 'https://api.ondayzero.com/api/v1/credit/cards/reconcile-settlements' \
  -H 'Authorization: Bearer dz_your_token' \
  -H 'x-business-id: YOUR_BUSINESS_ID' \
  -H 'Content-Type: application/json' \
  -d '{
  "credit_line_id": "string",
  "days": 0,
  "dispute_lookback_days": 0,
  "ingest_missing": false,
  "hold_voided": false
}'