Update 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.

Parameters

Path

credit_line_idstringrequired

Request body

Schema: CreditLineUpdateRequest

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.

autopay_enabledboolean

Switch AutoPay due events on or off for the line.

merchant_emailstring

Where statements and borrower notices go.

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.

merchant_legal_namestring

The merchant's legal entity name, as printed on disclosures. Cannot be cleared while the program's compliance.enabled is true.

merchant_statestring

Two-letter US state, DC or territory code of the merchant. Selects the disclosure template. Cannot be cleared while the program's compliance.enabled is true.

merchant_addressMerchantAddress

The merchant's registered address. Cannot be cleared while the program's compliance.enabled is true.

statusCreditLineStatusEnum

Move the line between pending, active, suspended and closed. A change needs reason. Suspending, reinstating (suspended back to active) and closing emit credit.line.suspended, credit.line.reinstated and credit.line.closed. Closing is refused for an API token when the program's limit_change_policy is console_only. Sending the status the line already has changes nothing. Activating a pending line pushes its available credit to the issuer (or emits credit.line.limit_changed for partner-managed cards); while its disclosure awaits the merchant's acknowledgement it is refused (CREDIT_617) unless an operator sends acknowledgement_override.

reasonstring

Why the status changed. Required with a status change; carried on the event and returned as status_reason on the line.

acknowledgement_overrideAcknowledgementOverride

Activate a pending line whose disclosure awaits the merchant's acknowledgement without it. Operators in the console only: an API token sending it is 403 (CREDIT_618). The disclosure becomes overridden with who, when and reason, and credit.disclosure.overridden is emitted. Ignored on any other status change, or when nothing awaits acknowledgement.

reason_codestring

Optional category of a suspension or closure: credit_risk, delinquency, fraud, merchant_request or administrative. On a program with adverse-action notices on, the first three record an adverse action.

credit_limit_centsinteger

Re-approved limit, in cents. This is the write behind Request More Funding (§6.1) and behind a risk-led reduction. Changing it emits credit.line.limit_changed and pushes the new available credit to the issuer, so the card starts declining at the new limit. A reduction below the current balance is allowed — available credit floors at zero and existing loans keep their own terms. Follows the program's limit_change_policy: under approval_required every caller gets 409 (submit a limit-change request instead); under console_only an API token gets 403.

limit_change_reasonstring

Why the limit moved. Carried on the event and the ledger so an increase can be traced to the decision behind it.

Responses