Policies

The Marqeta credit platform’s policies feature enables you to customize the configurations of policies for documents (such as disclosures), credit products, fees, APRs, and rewards. You can choose the specific policies to add to a bundle that contain the exact configurations needed to launch a new credit program or help manage an existing one. The configurations of each policy in a bundle determine the characteristics and attributes of the bundle’s associated credit accounts, reward programs, disclosures, and more. For more on how to create a bundle, see Bundles.

Important
To create and manage policies, you must use the Marqeta Dashboard. For more on policies in the dashboard, see Managing Credit Programs in the Marqeta Dashboard.The following endpoints are displayed for reference purposes only.

Create document policy

Action: POST
Endpoint: /credit/policies/documents Create a new document policy, which consists of all the pre- and post-application disclosures and credit program documents known as assets and templates. Assets contain finalized values after a bundle is created; templates do not contain finalized values.

Request body

Fields	Description
token string Optional	Unique identifier of the document policy. Allowable Values: 36 char max
name string Required	Name of the document policy. Allowable Values: 255 char max
summary_of_credit_terms object Required	Contains information on the Summary of Credit Terms (SOCT), which is a pre- and post-application disclosure that outlines the terms of an account, such as the interest rates, interest charges, associated fees, and more. Allowable Values: Existing `summary_of_credit_terms` object
summary_of_credit_terms.asset_token string Required	Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the SOCT or Rewards Disclosure
summary_of_credit_terms.template_token string Required	Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. The values are finalized in the asset version of the document. Allowable Values: Existing template token for the SOCT or Rewards Disclosure
rewards_disclosure object Optional	Contains information on the Rewards Disclosure, which is a pre- and post-application disclosure that provides details about the rewards program for a bundle. Allowable Values: Existing `rewards_disclosure` object
rewards_disclosure.asset_token string Required	Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the SOCT or Rewards Disclosure
rewards_disclosure.template_token string Required	Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. The values are finalized in the asset version of the document. Allowable Values: Existing template token for the SOCT or Rewards Disclosure
pre_qualification_disclosure object Optional	Contains information on the prequalification Disclosure, which is a pre-disclosure that provides details about the pre-qualification offer for the user. Allowable Values: Existing `pre_qualification_disclosure` object
pre_qualification_disclosure.asset_token string Required	Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the SOCT or Rewards Disclosure
pre_qualification_disclosure.template_token string Required	Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. The values are finalized in the asset version of the document. Allowable Values: Existing template token for the SOCT or Rewards Disclosure
terms_schedule object Required	Contains information on the Terms Schedule, which is a post-application disclosure that contains the terms of credit for an account, including the interest rate details. Allowable Values: Existing `terms_schedule` object
terms_schedule.template_token string Required	Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values. Allowable Values: Existing template token for the Terms Schedule, Account Statement, or NOAA
benefits_disclosure_traditional object Required	Contains information on the Benefits Disclosure (Traditional), which is a post-application disclosure that outlines the network benefits of a traditional Mastercard or Visa card. Allowable Values: Existing `benefits_disclosure_traditional` object
benefits_disclosure_traditional.asset_token string Required	Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement
benefits_disclosure_premium object Required	Contains information on the Benefits Disclosure (Premium), which is a post-application disclosure that outlines the network benefits of a Mastercard World or Visa Signature card. Allowable Values: Existing `benefits_disclosure_premium` object
benefits_disclosure_premium.asset_token string Required	Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement
privacy_policy object Required	Contains information on the Privacy Policy, which is a pre-application disclosure that explains how an applicant’s data is used and managed. Allowable Values: Existing `privacy_policy` object
privacy_policy.asset_token string Required	Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement
e_disclosure object Required	Contains information on the eDisclosure, which is a pre-application disclosure that states that users are to receive their disclosures electronically. Allowable Values: Existing `e_disclosure` object
e_disclosure.asset_token string Required	Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement
card_member_agreement object Required	Contains information on the Card Member Agreement, which is a post-application disclosure that specifies the terms and conditions of an account, including the interest rates, interest charges, fees, minimum payment calculations, and more. Allowable Values: Existing `card_member_agreement` object
card_member_agreement.asset_token string Required	Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement
account_statement object Required	Contains information on the Account Statement, which outlines the information that appears on the statements generated for a credit account. Allowable Values: Existing `account_statement` object
account_statement.template_token string Required	Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values. Allowable Values: Existing template token for the Terms Schedule, Account Statement, or NOAA
noaa_single_reason object Required	Contains information on the Notice of Adverse Action (NOAA) used when an application is declined for single reason. Allowable Values: Existing `noaa_single_reason` object
noaa_single_reason.template_token string Required	Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values. Allowable Values: Existing template token for the Terms Schedule, Account Statement, or NOAA
noaa_single_reason_with_dodd_frank object Required	Contains information on the NOAA used when an application is declined for single reason related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application. Allowable Values: Existing `noaa_single_reason_with_dodd_frank` object
noaa_single_reason_with_dodd_frank.template_token string Required	Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values. Allowable Values: Existing template token for the Terms Schedule, Account Statement, or NOAA
noaa_multiple_reason_with_dodd_frank object Required	Contains information on the NOAA used when an application is declined for multiple reasons related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application. Allowable Values: Existing `noaa_multiple_reason_with_dodd_frank` object
noaa_multiple_reason_with_dodd_frank.template_token string Required	Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values. Allowable Values: Existing template token for the Terms Schedule, Account Statement, or NOAA

Sample request body

JSON

{
  "token": "my_document_policy_token_1234",
  "name": "My Document Policy",
  "summary_of_credit_terms": {
    "asset_token": "a_summary_of_credit_terms_asset_token1234",
    "template_token": "a_summary_of_credit_terms_template_token1234"
  },
  "rewards_disclosure": {
    "asset_token": "a_rewards_disclosure_asset_token1234",
    "template_token": "a_rewards_disclosure_template_token1234"
  },
  "pre_qualification_disclosure": {
    "asset_token": "a_pre_qualification_disclosure_asset_token1234",
    "template_token": "a_pre_qualification_disclosure_template_token1234"
  },
  "terms_schedule": {
    "template_token": "a_terms_schedule_template_token1234"
  },
  "benefits_disclosure_traditional": {
    "asset_token": "a_benefits_disclosure_traditional_asset_token1234"
  },
  "benefits_disclosure_premium": {
    "asset_token": "a_benefits_disclosure_premium_asset_token1234"
  },
  "privacy_policy": {
    "asset_token": "a_privacy_policy_asset_token1234"
  },
  "e_disclosure": {
    "asset_token": "a_e_disclosure_asset_token1234"
  },
  "card_member_agreement": {
    "asset_token": "a_card_member_agreement_asset_token1234"
  },
  "account_statement": {
    "template_token": "an_account_statement_template_token1234"
  },
  "noaa_single_reason": {
    "template_token": "an_noaa_single_reason_template_token1234"
  },
  "noaa_single_reason_with_dodd_frank": {
    "template_token": "an_noaa_single_reason_with_dodd_frank_template_token1234"
  },
  "noaa_multiple_reason_with_dodd_frank": {
    "template_token": "an_noaa_multiple_reason_with_dodd_frank_template_token1234"
  }
}

Response body

Fields	Description
token string Conditionally returned	Unique identifier of the document policy. Allowable Values: 36 char max
name string Conditionally returned	Name of the document policy. Allowable Values: 255 char max
summary_of_credit_terms object Conditionally returned	Contains information on the Summary of Credit Terms (SOCT), which is a pre- and post-application disclosure that outlines the terms of an account, such as the interest rates, interest charges, associated fees, and more. Allowable Values: Existing `summary_of_credit_terms` object
summary_of_credit_terms.asset_token string Conditionally returned	Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the SOCT or Rewards Disclosure
summary_of_credit_terms.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
summary_of_credit_terms.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
summary_of_credit_terms.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
summary_of_credit_terms.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
summary_of_credit_terms.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
summary_of_credit_terms.template_token string Conditionally returned	Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document. Allowable Values: Existing template token for the SOCT or Rewards Disclosure
summary_of_credit_terms.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
summary_of_credit_terms.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
summary_of_credit_terms.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
rewards_disclosure object Conditionally returned	Contains information on the Rewards Disclosure, which is a pre- and post-application disclosure that provides details about the rewards program for a bundle. Allowable Values: Existing `rewards_disclosure` object
rewards_disclosure.asset_token string Conditionally returned	Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the SOCT or Rewards Disclosure
rewards_disclosure.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
rewards_disclosure.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
rewards_disclosure.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
rewards_disclosure.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
rewards_disclosure.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
rewards_disclosure.template_token string Conditionally returned	Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document. Allowable Values: Existing template token for the SOCT or Rewards Disclosure
rewards_disclosure.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
rewards_disclosure.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
rewards_disclosure.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
pre_qualification_disclosure object Conditionally returned	Contains information on the Pre-Qualification Disclosure, which is a pre-disclosure that provides details about the pre-qualification offer for the user. Allowable Values: Existing `pre_qualification_disclosure` object
pre_qualification_disclosure.asset_token string Conditionally returned	Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the SOCT or Rewards Disclosure
pre_qualification_disclosure.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
pre_qualification_disclosure.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
pre_qualification_disclosure.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
pre_qualification_disclosure.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
pre_qualification_disclosure.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
pre_qualification_disclosure.template_token string Conditionally returned	Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document. Allowable Values: Existing template token for the SOCT or Rewards Disclosure
pre_qualification_disclosure.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
pre_qualification_disclosure.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
pre_qualification_disclosure.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
terms_schedule object Conditionally returned	Contains information on the Terms Schedule, which is a post-application disclosure that contains the terms of credit for an account, including the interest rate details. Allowable Values: Existing `terms_schedule` object
terms_schedule.template_token string Conditionally returned	Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values. Allowable Values: Existing template token for the Terms Schedule, Account Statement, or NOAA
terms_schedule.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
terms_schedule.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
terms_schedule.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
benefits_disclosure_traditional object Conditionally returned	Contains information on the Benefits Disclosure (Traditional), which is a post-application disclosure that outlines the network benefits of a traditional Mastercard or Visa card. Allowable Values: Existing `benefits_disclosure_traditional` object
benefits_disclosure_traditional.asset_token string Conditionally returned	Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement
benefits_disclosure_traditional.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
benefits_disclosure_traditional.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
benefits_disclosure_traditional.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
benefits_disclosure_traditional.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
benefits_disclosure_traditional.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
benefits_disclosure_premium object Conditionally returned	Contains information on the Benefits Disclosure (Premium), which is a post-application disclosure that outlines the network benefits of a Mastercard World or Visa Signature card. Allowable Values: Existing `benefits_disclosure_premium` object
benefits_disclosure_premium.asset_token string Conditionally returned	Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement
benefits_disclosure_premium.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
benefits_disclosure_premium.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
benefits_disclosure_premium.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
benefits_disclosure_premium.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
benefits_disclosure_premium.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
privacy_policy object Conditionally returned	Contains information on the Privacy Policy, which is a pre-application disclosure that explains how an applicant’s data is used and managed. Allowable Values: Existing `privacy_policy` object
privacy_policy.asset_token string Conditionally returned	Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement
privacy_policy.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
privacy_policy.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
privacy_policy.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
privacy_policy.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
privacy_policy.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
e_disclosure object Conditionally returned	Contains information on the eDisclosure, which is a pre-application disclosure that states that users are to receive their disclosures electronically. Allowable Values: Existing `e_disclosure` object
e_disclosure.asset_token string Conditionally returned	Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement
e_disclosure.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
e_disclosure.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
e_disclosure.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
e_disclosure.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
e_disclosure.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
card_member_agreement object Conditionally returned	Contains information on the Card Member Agreement, which is a post-application disclosure that specifies the terms and conditions of an account, including the interest rates, interest charges, fees, minimum payment calculations, and more. Allowable Values: Existing `card_member_agreement` object
card_member_agreement.asset_token string Conditionally returned	Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement
card_member_agreement.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
card_member_agreement.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
card_member_agreement.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
card_member_agreement.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
card_member_agreement.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
account_statement object Conditionally returned	Contains information on the Account Statement, which outlines the information that appears on the statements generated for a credit account. Allowable Values: Existing `account_statement` object
account_statement.template_token string Conditionally returned	Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values. Allowable Values: Existing template token for the Terms Schedule, Account Statement, or NOAA
account_statement.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
account_statement.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
account_statement.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
noaa_single_reason object Conditionally returned	Contains information on the Notice of Adverse Action (NOAA) used when an application is declined for single reason. Allowable Values: Existing `noaa_single_reason` object
noaa_single_reason.template_token string Conditionally returned	Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values. Allowable Values: Existing template token for the Terms Schedule, Account Statement, or NOAA
noaa_single_reason.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
noaa_single_reason.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
noaa_single_reason.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
noaa_single_reason_with_dodd_frank object Conditionally returned	Contains information on the NOAA used when an application is declined for single reason related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application. Allowable Values: Existing `noaa_single_reason_with_dodd_frank` object
noaa_single_reason_with_dodd_frank.template_token string Conditionally returned	Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values. Allowable Values: Existing template token for the Terms Schedule, Account Statement, or NOAA
noaa_single_reason_with_dodd_frank.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
noaa_single_reason_with_dodd_frank.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
noaa_single_reason_with_dodd_frank.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
noaa_multiple_reason_with_dodd_frank object Conditionally returned	Contains information on the NOAA used when an application is declined for multiple reasons related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application. Allowable Values: Existing `noaa_multiple_reason_with_dodd_frank` object
noaa_multiple_reason_with_dodd_frank.template_token string Conditionally returned	Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values. Allowable Values: Existing template token for the Terms Schedule, Account Statement, or NOAA
noaa_multiple_reason_with_dodd_frank.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
noaa_multiple_reason_with_dodd_frank.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
noaa_multiple_reason_with_dodd_frank.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
created_time datetime Conditionally returned	Date and time when the document policy was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
updated_time datetime Conditionally returned	Date and time when the document policy was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "token": "my_document_policy_token_1234",
  "name": "My Document Policy",
  "summary_of_credit_terms": {
    "asset_token": "a_summary_of_credit_terms_asset_token1234",
    "asset_urls": {
      "pdf": "https://url.com/a_summary_of_credit_terms_asset_token1234.pdf",
      "png": "https://url.com/a_summary_of_credit_terms_asset_token1234.png",
      "html": "https://url.com/a_summary_of_credit_terms_asset_token1234.html"
    },
    "template_token": "a_summary_of_credit_terms_template_token1234",
    "template_urls": {
      "html": "https://asset-bucket.s3.amazonaws.com/short_code/a_summary_of_credit_terms_template_token1234/a_summary_of_credit_terms_template_token1234.html"
    }
  },
  "rewards_disclosure": {
    "asset_token": "a_rewards_disclosure_asset_token1234",
    "asset_urls": {
      "pdf": "https://url.com/a_rewards_disclosure_asset_token1234.pdf",
      "png": "https://url.com/a_rewards_disclosure_asset_token1234.png",
      "html": "https://url.com/a_rewards_disclosure_asset_token1234.html"
    },
    "template_token": "a_rewards_disclosure_template_token1234",
    "template_urls": {
      "html": "https://url.com/a_rewards_disclosure_template_token1234.html"
    }
  },
  "pre_qualification_disclosure": {
    "asset_token": "a_pre_qualification_disclosure_asset_token1234",
    "asset_urls": {
      "pdf": "https://url.com/a_pre_qualification_disclosure_asset_token1234.pdf",
      "png": "https://url.com/a_pre_qualification_disclosure_asset_token1234.png",
      "html": "https://url.com/a_pre_qualification_disclosure_asset_token1234.html"
    },
    "template_token": "a_pre_qualification_disclosure_template_token1234",
    "template_urls": {
      "html": "https://url.com/a_pre_qualification_disclosure_template_token1234.html"
    }
  },
  "terms_schedule": {
    "template_token": "a_terms_schedule_template_token1234",
    "template_urls": {
      "html": "https://url.com/a_terms_schedule_template_token1234.html"
    }
  },
  "benefits_disclosure_traditional": {
    "asset_token": "a_benefits_disclosure_traditional_asset_token1234",
    "asset_urls": {
      "pdf": "https://url.com/a_benefits_disclosure_traditional_asset_token1234.pdf",
      "png": "https://url.com/a_benefits_disclosure_traditional_asset_token1234.png",
      "html": "https://url.com/a_benefits_disclosure_traditional_asset_token1234.html"
    }
  },
  "benefits_disclosure_premium": {
    "asset_token": "a_benefits_disclosure_premium_asset_token1234",
    "asset_urls": {
      "pdf": "https://url.com/a_benefits_disclosure_premium_asset_token1234.pdf",
      "png": "https://url.com/a_benefits_disclosure_premium_asset_token1234.png",
      "html": "https://url.com/a_benefits_disclosure_premium_asset_token1234.html"
    }
  },
  "privacy_policy": {
    "asset_token": "a_privacy_policy_asset_token1234",
    "asset_urls": {
      "pdf": "https://url.com/a_privacy_policy_asset_token1234.pdf",
      "png": "https://url.com/a_privacy_policy_asset_token1234.png",
      "html": "https://url.com/a_privacy_policy_asset_token1234.html"
    }
  },
  "e_disclosure": {
    "asset_token": "a_e_disclosure_asset_token1234",
    "asset_urls": {
      "pdf": "https://url.com/a_e_disclosure_asset_token1234.pdf",
      "png": "https://url.com/a_e_disclosure_asset_token1234.png",
      "html": "https://url.com/a_e_disclosure_asset_token1234.html"
    }
  },
  "card_member_agreement": {
    "asset_token": "a_card_member_agreement_asset_token1234",
    "asset_urls": {
      "pdf": "https://url.com/a_card_member_agreement_asset_token1234.pdf",
      "png": "https://url.com/a_card_member_agreement_asset_token1234.png",
      "html": "https://url.com/a_card_member_agreement_asset_token1234.html"
    }
  },
  "account_statement": {
    "template_token": "an_account_statement_template_token1234",
    "template_urls": {
      "html": "https://url.com/an_account_statement_template_token1234.html"
    }
  },
  "noaa_single_reason": {
    "template_token": "an_noaa_single_reason_template_token1234",
    "template_urls": {
      "html": "https://url.com/an_noaa_single_reason_template_token1234.html"
    }
  },
  "noaa_single_reason_with_dodd_frank": {
    "template_token": "an_noaa_single_reason_with_dodd_frank_template_token1234",
    "template_urls": {
      "html": "https://url.com/an_noaa_single_reason_with_dodd_frank_template_token1234.html"
    }
  },
  "noaa_multiple_reason_with_dodd_frank": {
    "template_token": "an_noaa_multiple_reason_with_dodd_frank_template_token1234",
    "template_urls": {
      "html": "https://url.com/an_noaa_multiple_reason_with_dodd_frank_template_token1234.html"
    }
  },
  "created_time": "2025-04-01T23:41:58.802Z",
  "updated_time": "2025-04-05T16:04:48.643Z"
}

List document policies

Action: GET
Endpoint: /credit/policies/documents Retrieve an array of existing document policies. A document policy consists of all the pre- and post-application disclosures and credit program documents known as assets and templates. Assets contain finalized values after a bundle is created; templates do not contain finalized values. This endpoint supports sorting and pagination.

URL query parameters

Fields	Description
count integer Optional	Number of document policy resources to retrieve. Allowable Values: 1–100
start_index integer Optional	Sort order index of the first resource in the returned array. Allowable Values: 0 min
sort_by string Optional	Field on which to sort. Prefix the field name with a hyphen (`-`) to sort in descending order. Omit the hyphen to sort in ascending order. NOTE: You must sort using system field names such as `lastModifiedTime`, and not by the field names appearing in response bodies such as `last_modified_time`. Allowable Values: `lastModifiedTime`, `-lastModifiedTime`

Response body

Fields	Description
count integer Returned	Number of resources returned. Allowable Values: 1-10
start_index integer Returned	Sort order index of the first resource in the returned array. Allowable Values: Any integer
end_index integer Returned	Sort order index of the last resource in the returned array. Allowable Values: Any integer
is_more boolean Returned	A value of `true` indicates that more unreturned resources exist. Allowable Values: `true`, `false`
data array of objects Returned	One or more document policies. Allowable Values: One or more document policy objects
data[].token string Conditionally returned	Unique identifier of the document policy. Allowable Values: 36 char max
data[].name string Conditionally returned	Name of the document policy. Allowable Values: 255 char max
data[].summary_of_credit_terms object Conditionally returned	Contains information on the Summary of Credit Terms (SOCT), which is a pre- and post-application disclosure that outlines the terms of an account, such as the interest rates, interest charges, associated fees, and more. Allowable Values: Existing `summary_of_credit_terms` object
data[].summary_of_credit_terms.asset_token string Conditionally returned	Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the SOCT or Rewards Disclosure
data[].summary_of_credit_terms.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
data[].summary_of_credit_terms.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
data[].summary_of_credit_terms.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
data[].summary_of_credit_terms.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
data[].summary_of_credit_terms.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
data[].summary_of_credit_terms.template_token string Conditionally returned	Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document. Allowable Values: Existing template token for the SOCT or Rewards Disclosure
data[].summary_of_credit_terms.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
data[].summary_of_credit_terms.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
data[].summary_of_credit_terms.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
data[].rewards_disclosure object Conditionally returned	Contains information on the Rewards Disclosure, which is a pre- and post-application disclosure that provides details about the rewards program for a bundle. Allowable Values: Existing `rewards_disclosure` object
data[].rewards_disclosure.asset_token string Conditionally returned	Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the SOCT or Rewards Disclosure
data[].rewards_disclosure.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
data[].rewards_disclosure.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
data[].rewards_disclosure.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
data[].rewards_disclosure.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
data[].rewards_disclosure.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
data[].rewards_disclosure.template_token string Conditionally returned	Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document. Allowable Values: Existing template token for the SOCT or Rewards Disclosure
data[].rewards_disclosure.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
data[].rewards_disclosure.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
data[].rewards_disclosure.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
data[].pre_qualification_disclosure object Conditionally returned	Contains information on the Pre-Qualification Disclosure, which is a pre-disclosure that provides details about the pre-qualification offer for the user. Allowable Values: Existing `pre_qualification_disclosure` object
data[].pre_qualification_disclosure.asset_token string Conditionally returned	Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the SOCT or Rewards Disclosure
data[].pre_qualification_disclosure.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
data[].pre_qualification_disclosure.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
data[].pre_qualification_disclosure.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
data[].pre_qualification_disclosure.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
data[].pre_qualification_disclosure.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
data[].pre_qualification_disclosure.template_token string Conditionally returned	Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document. Allowable Values: Existing template token for the SOCT or Rewards Disclosure
data[].pre_qualification_disclosure.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
data[].pre_qualification_disclosure.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
data[].pre_qualification_disclosure.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
data[].terms_schedule object Conditionally returned	Contains information on the Terms Schedule, which is a post-application disclosure that contains the terms of credit for an account, including the interest rate details. Allowable Values: Existing `terms_schedule` object
data[].terms_schedule.template_token string Conditionally returned	Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values. Allowable Values: Existing template token for the Terms Schedule, Account Statement, or NOAA
data[].terms_schedule.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
data[].terms_schedule.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
data[].terms_schedule.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
data[].benefits_disclosure_traditional object Conditionally returned	Contains information on the Benefits Disclosure (Traditional), which is a post-application disclosure that outlines the network benefits of a traditional Mastercard or Visa card. Allowable Values: Existing `benefits_disclosure_traditional` object
data[].benefits_disclosure_traditional.asset_token string Conditionally returned	Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement
data[].benefits_disclosure_traditional.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
data[].benefits_disclosure_traditional.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
data[].benefits_disclosure_traditional.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
data[].benefits_disclosure_traditional.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
data[].benefits_disclosure_traditional.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
data[].benefits_disclosure_premium object Conditionally returned	Contains information on the Benefits Disclosure (Premium), which is a post-application disclosure that outlines the network benefits of a Mastercard World or Visa Signature card. Allowable Values: Existing `benefits_disclosure_premium` object
data[].benefits_disclosure_premium.asset_token string Conditionally returned	Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement
data[].benefits_disclosure_premium.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
data[].benefits_disclosure_premium.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
data[].benefits_disclosure_premium.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
data[].benefits_disclosure_premium.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
data[].benefits_disclosure_premium.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
data[].privacy_policy object Conditionally returned	Contains information on the Privacy Policy, which is a pre-application disclosure that explains how an applicant’s data is used and managed. Allowable Values: Existing `privacy_policy` object
data[].privacy_policy.asset_token string Conditionally returned	Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement
data[].privacy_policy.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
data[].privacy_policy.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
data[].privacy_policy.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
data[].privacy_policy.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
data[].privacy_policy.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
data[].e_disclosure object Conditionally returned	Contains information on the eDisclosure, which is a pre-application disclosure that states that users are to receive their disclosures electronically. Allowable Values: Existing `e_disclosure` object
data[].e_disclosure.asset_token string Conditionally returned	Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement
data[].e_disclosure.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
data[].e_disclosure.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
data[].e_disclosure.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
data[].e_disclosure.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
data[].e_disclosure.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
data[].card_member_agreement object Conditionally returned	Contains information on the Card Member Agreement, which is a post-application disclosure that specifies the terms and conditions of an account, including the interest rates, interest charges, fees, minimum payment calculations, and more. Allowable Values: Existing `card_member_agreement` object
data[].card_member_agreement.asset_token string Conditionally returned	Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement
data[].card_member_agreement.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
data[].card_member_agreement.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
data[].card_member_agreement.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
data[].card_member_agreement.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
data[].card_member_agreement.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
data[].account_statement object Conditionally returned	Contains information on the Account Statement, which outlines the information that appears on the statements generated for a credit account. Allowable Values: Existing `account_statement` object
data[].account_statement.template_token string Conditionally returned	Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values. Allowable Values: Existing template token for the Terms Schedule, Account Statement, or NOAA
data[].account_statement.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
data[].account_statement.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
data[].account_statement.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
data[].noaa_single_reason object Conditionally returned	Contains information on the Notice of Adverse Action (NOAA) used when an application is declined for single reason. Allowable Values: Existing `noaa_single_reason` object
data[].noaa_single_reason.template_token string Conditionally returned	Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values. Allowable Values: Existing template token for the Terms Schedule, Account Statement, or NOAA
data[].noaa_single_reason.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
data[].noaa_single_reason.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
data[].noaa_single_reason.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
data[].noaa_single_reason_with_dodd_frank object Conditionally returned	Contains information on the NOAA used when an application is declined for single reason related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application. Allowable Values: Existing `noaa_single_reason_with_dodd_frank` object
data[].noaa_single_reason_with_dodd_frank.template_token string Conditionally returned	Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values. Allowable Values: Existing template token for the Terms Schedule, Account Statement, or NOAA
data[].noaa_single_reason_with_dodd_frank.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
data[].noaa_single_reason_with_dodd_frank.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
data[].noaa_single_reason_with_dodd_frank.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
data[].noaa_multiple_reason_with_dodd_frank object Conditionally returned	Contains information on the NOAA used when an application is declined for multiple reasons related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application. Allowable Values: Existing `noaa_multiple_reason_with_dodd_frank` object
data[].noaa_multiple_reason_with_dodd_frank.template_token string Conditionally returned	Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values. Allowable Values: Existing template token for the Terms Schedule, Account Statement, or NOAA
data[].noaa_multiple_reason_with_dodd_frank.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
data[].noaa_multiple_reason_with_dodd_frank.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
data[].noaa_multiple_reason_with_dodd_frank.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
data[].created_time datetime Conditionally returned	Date and time when the document policy was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
data[].updated_time datetime Conditionally returned	Date and time when the document policy was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "count": 2,
  "start_index": 0,
  "end_index": 2,
  "is_more": true,
  "data": [
    {
      "token": "my_document_policy_token_1234",
      "name": "My Document Policy",
      "summary_of_credit_terms": {
        "asset_token": "a_summary_of_credit_terms_asset_token1234",
        "asset_urls": {
          "pdf": "https://url.com/a_summary_of_credit_terms_asset_token1234.pdf",
          "png": "https://url.com/a_summary_of_credit_terms_asset_token1234.png",
          "html": "https://url.com/a_summary_of_credit_terms_asset_token1234.html"
        },
        "template_token": "a_summary_of_credit_terms_template_token1234",
        "template_urls": {
          "html": "https://asset-bucket.s3.amazonaws.com/short_code/a_summary_of_credit_terms_template_token1234/a_summary_of_credit_terms_template_token1234.html"
        }
      },
      "rewards_disclosure": {
        "asset_token": "a_rewards_disclosure_asset_token1234",
        "asset_urls": {
          "pdf": "https://url.com/a_rewards_disclosure_asset_token1234.pdf",
          "png": "https://url.com/a_rewards_disclosure_asset_token1234.png",
          "html": "https://url.com/a_rewards_disclosure_asset_token1234.html"
        },
        "template_token": "a_rewards_disclosure_template_token1234",
        "template_urls": {
          "html": "https://url.com/a_rewards_disclosure_template_token1234.html"
        }
      },
      "pre_qualification_disclosure": {
        "asset_token": "a_pre_qualification_disclosure_asset_token1234",
        "asset_urls": {
          "pdf": "https://url.com/a_pre_qualification_disclosure_asset_token1234.pdf",
          "png": "https://url.com/a_pre_qualification_disclosure_asset_token1234.png",
          "html": "https://url.com/a_pre_qualification_disclosure_asset_token1234.html"
        },
        "template_token": "a_pre_qualification_disclosure_template_token1234",
        "template_urls": {
          "html": "https://url.com/a_pre_qualification_disclosure_template_token1234.html"
        }
      },
      "terms_schedule": {
        "template_token": "a_terms_schedule_template_token1234",
        "template_urls": {
          "html": "https://url.com/a_terms_schedule_template_token1234.html"
        }
      },
      "benefits_disclosure_traditional": {
        "asset_token": "a_benefits_disclosure_traditional_asset_token1234",
        "asset_urls": {
          "pdf": "https://url.com/a_benefits_disclosure_traditional_asset_token1234.pdf",
          "png": "https://url.com/a_benefits_disclosure_traditional_asset_token1234.png",
          "html": "https://url.com/a_benefits_disclosure_traditional_asset_token1234.html"
        }
      },
      "benefits_disclosure_premium": {
        "asset_token": "a_benefits_disclosure_premium_asset_token1234",
        "asset_urls": {
          "pdf": "https://url.com/a_benefits_disclosure_premium_asset_token1234.pdf",
          "png": "https://url.com/a_benefits_disclosure_premium_asset_token1234.png",
          "html": "https://url.com/a_benefits_disclosure_premium_asset_token1234.html"
        }
      },
      "privacy_policy": {
        "asset_token": "a_privacy_policy_asset_token1234",
        "asset_urls": {
          "pdf": "https://url.com/a_privacy_policy_asset_token1234.pdf",
          "png": "https://url.com/a_privacy_policy_asset_token1234.png",
          "html": "https://url.com/a_privacy_policy_asset_token1234.html"
        }
      },
      "e_disclosure": {
        "asset_token": "a_e_disclosure_asset_token1234",
        "asset_urls": {
          "pdf": "https://url.com/a_e_disclosure_asset_token1234.pdf",
          "png": "https://url.com/a_e_disclosure_asset_token1234.png",
          "html": "https://url.com/a_e_disclosure_asset_token1234.html"
        }
      },
      "card_member_agreement": {
        "asset_token": "a_card_member_agreement_asset_token1234",
        "asset_urls": {
          "pdf": "https://url.com/a_card_member_agreement_asset_token1234.pdf",
          "png": "https://url.com/a_card_member_agreement_asset_token1234.png",
          "html": "https://url.com/a_card_member_agreement_asset_token1234.html"
        }
      },
      "account_statement": {
        "template_token": "an_account_statement_template_token1234",
        "template_urls": {
          "html": "https://url.com/an_account_statement_template_token1234.html"
        }
      },
      "noaa_single_reason": {
        "template_token": "an_noaa_single_reason_template_token1234",
        "template_urls": {
          "html": "https://url.com/an_noaa_single_reason_template_token1234.html"
        }
      },
      "noaa_single_reason_with_dodd_frank": {
        "template_token": "an_noaa_single_reason_with_dodd_frank_template_token1234",
        "template_urls": {
          "html": "https://url.com/an_noaa_single_reason_with_dodd_frank_template_token1234.html"
        }
      },
      "noaa_multiple_reason_with_dodd_frank": {
        "template_token": "an_noaa_multiple_reason_with_dodd_frank_template_token1234",
        "template_urls": {
          "html": "https://url.com/an_noaa_multiple_reason_with_dodd_frank_template_token1234.html"
        }
      },
      "created_time": "2025-04-01T23:41:58.802Z",
      "updated_time": "2025-04-05T16:04:48.643Z"
    },
    {
      "token": "my_document_policy_token_4321",
      "name": "Silver Document Policy",
      "summary_of_credit_terms": {
        "asset_token": "a_summary_of_credit_terms_asset_token4321",
        "asset_urls": {
          "pdf": "https://url.com/a_summary_of_credit_terms_asset_token4321.pdf",
          "png": "https://url.com/a_summary_of_credit_terms_asset_token4321.png",
          "html": "https://url.com/a_summary_of_credit_terms_asset_token4321.html"
        },
        "template_token": "a_summary_of_credit_terms_template_token4321",
        "template_urls": {
          "html": "https://url.com/a_summary_of_credit_terms_template_token4321.html"
        }
      },
      "rewards_disclosure": {
        "asset_token": "a_rewards_disclosure_asset_token4321",
        "asset_urls": {
          "pdf": "https://url.com/a_rewards_disclosure_asset_token4321.pdf",
          "png": "https://url.com/a_rewards_disclosure_asset_token4321.png",
          "html": "https://url.com/a_rewards_disclosure_asset_token4321.html"
        },
        "template_token": "a_rewards_disclosure_template_token4321",
        "template_urls": {
          "html": "https://url.com/a_rewards_disclosure_template_token4321.html"
        }
      },
      "pre_qualification_disclosure": {
        "asset_token": "a_pre_qualification_disclosure_asset_token4321",
        "asset_urls": {
          "pdf": "https://url.com/a_pre_qualification_disclosure_asset_token4321.pdf",
          "png": "https://url.com/a_pre_qualification_disclosure_asset_token4321.png",
          "html": "https://url.com/a_pre_qualification_disclosure_asset_token4321.html"
        },
        "template_token": "a_pre_qualification_disclosure_template_token4321",
        "template_urls": {
          "html": "https://url.com/a_pre_qualification_disclosure_template_token4321.html"
        }
      },
      "terms_schedule": {
        "template_token": "a_terms_schedule_template_token4321",
        "template_urls": {
          "html": "https://url.com/a_terms_schedule_template_token4321.html"
        }
      },
      "benefits_disclosure_traditional": {
        "asset_token": "a_benefits_disclosure_traditional_asset_token4321",
        "asset_urls": {
          "pdf": "https://url.com/a_benefits_disclosure_traditional_asset_token4321.pdf",
          "png": "https://url.com/a_benefits_disclosure_traditional_asset_token4321.png",
          "html": "https://url.com/a_benefits_disclosure_traditional_asset_token4321.html"
        }
      },
      "benefits_disclosure_premium": {
        "asset_token": "a_benefits_disclosure_premium_asset_token4321",
        "asset_urls": {
          "pdf": "https://url.com/a_benefits_disclosure_premium_asset_token4321.pdf",
          "png": "https://url.com/a_benefits_disclosure_premium_asset_token4321.png",
          "html": "https://url.com/a_benefits_disclosure_premium_asset_token4321.html"
        }
      },
      "privacy_policy": {
        "asset_token": "a_privacy_policy_asset_token4321",
        "asset_urls": {
          "pdf": "https://url.com/a_privacy_policy_asset_token4321.pdf",
          "png": "https://url.com/a_privacy_policy_asset_token4321.png",
          "html": "https://url.com/a_privacy_policy_asset_token4321.html"
        }
      },
      "e_disclosure": {
        "asset_token": "a_e_disclosure_asset_token4321",
        "asset_urls": {
          "pdf": "https://url.com/a_e_disclosure_asset_token4321.pdf",
          "png": "https://url.com/a_e_disclosure_asset_token4321.png",
          "html": "https://url.com/a_e_disclosure_asset_token4321.html"
        }
      },
      "card_member_agreement": {
        "asset_token": "a_card_member_agreement_asset_token4321",
        "asset_urls": {
          "pdf": "https://url.com/a_card_member_agreement_asset_token4321.pdf",
          "png": "https://url.com/a_card_member_agreement_asset_token4321.png",
          "html": "https://url.com/a_card_member_agreement_asset_token4321.html"
        }
      },
      "account_statement": {
        "template_token": "an_account_statement_template_token4321",
        "template_urls": {
          "html": "https://url.com/an_account_statement_template_token4321.html"
        }
      },
      "noaa_single_reason": {
        "template_token": "an_noaa_single_reason_template_token4321",
        "template_urls": {
          "html": "https://url.com/an_noaa_single_reason_template_token4321.html"
        }
      },
      "noaa_single_reason_with_dodd_frank": {
        "template_token": "an_noaa_single_reason_with_dodd_frank_template_token4321",
        "template_urls": {
          "html": "https://url.com/an_noaa_single_reason_with_dodd_frank_template_token4321.html"
        }
      },
      "noaa_multiple_reason_with_dodd_frank": {
        "template_token": "an_noaa_multiple_reason_with_dodd_frank_template_token4321",
        "template_urls": {
          "html": "https://url.com/an_noaa_multiple_reason_with_dodd_frank_template_token4321.html"
        }
      },
      "created_time": "2025-04-01T23:41:58.802Z",
      "updated_time": "2025-04-05T16:04:48.643Z"
    }
  ]
}

Retrieve document policy

Action: GET
Endpoint: /credit/policies/documents/{token} Retrieve a specific document policy, which consists of all the pre- and post-application disclosures and credit program documents known as assets and templates. Assets contain finalized values after a bundle is created; templates do not contain finalized values.

URL path parameters

Fields	Description
token string Required	Unique identifier of the document policy to retrieve. Send a `GET` request to `/policies/documents` to retrieve existing document policy tokens. Allowable Values: Existing document policy token

Response body

Fields	Description
token string Conditionally returned	Unique identifier of the document policy. Allowable Values: 36 char max
name string Conditionally returned	Name of the document policy. Allowable Values: 255 char max
summary_of_credit_terms object Conditionally returned	Contains information on the Summary of Credit Terms (SOCT), which is a pre- and post-application disclosure that outlines the terms of an account, such as the interest rates, interest charges, associated fees, and more. Allowable Values: Existing `summary_of_credit_terms` object
summary_of_credit_terms.asset_token string Conditionally returned	Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the SOCT or Rewards Disclosure
summary_of_credit_terms.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
summary_of_credit_terms.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
summary_of_credit_terms.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
summary_of_credit_terms.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
summary_of_credit_terms.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
summary_of_credit_terms.template_token string Conditionally returned	Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document. Allowable Values: Existing template token for the SOCT or Rewards Disclosure
summary_of_credit_terms.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
summary_of_credit_terms.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
summary_of_credit_terms.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
rewards_disclosure object Conditionally returned	Contains information on the Rewards Disclosure, which is a pre- and post-application disclosure that provides details about the rewards program for a bundle. Allowable Values: Existing `rewards_disclosure` object
rewards_disclosure.asset_token string Conditionally returned	Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the SOCT or Rewards Disclosure
rewards_disclosure.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
rewards_disclosure.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
rewards_disclosure.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
rewards_disclosure.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
rewards_disclosure.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
rewards_disclosure.template_token string Conditionally returned	Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document. Allowable Values: Existing template token for the SOCT or Rewards Disclosure
rewards_disclosure.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
rewards_disclosure.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
rewards_disclosure.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
pre_qualification_disclosure object Conditionally returned	Contains information on the Pre-Qualification Disclosure, which is a pre-disclosure that provides details about the pre-qualification offer for the user. Allowable Values: Existing `pre_qualification_disclosure` object
pre_qualification_disclosure.asset_token string Conditionally returned	Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the SOCT or Rewards Disclosure
pre_qualification_disclosure.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
pre_qualification_disclosure.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
pre_qualification_disclosure.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
pre_qualification_disclosure.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
pre_qualification_disclosure.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
pre_qualification_disclosure.template_token string Conditionally returned	Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document. Allowable Values: Existing template token for the SOCT or Rewards Disclosure
pre_qualification_disclosure.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
pre_qualification_disclosure.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
pre_qualification_disclosure.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
terms_schedule object Conditionally returned	Contains information on the Terms Schedule, which is a post-application disclosure that contains the terms of credit for an account, including the interest rate details. Allowable Values: Existing `terms_schedule` object
terms_schedule.template_token string Conditionally returned	Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values. Allowable Values: Existing template token for the Terms Schedule, Account Statement, or NOAA
terms_schedule.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
terms_schedule.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
terms_schedule.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
benefits_disclosure_traditional object Conditionally returned	Contains information on the Benefits Disclosure (Traditional), which is a post-application disclosure that outlines the network benefits of a traditional Mastercard or Visa card. Allowable Values: Existing `benefits_disclosure_traditional` object
benefits_disclosure_traditional.asset_token string Conditionally returned	Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement
benefits_disclosure_traditional.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
benefits_disclosure_traditional.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
benefits_disclosure_traditional.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
benefits_disclosure_traditional.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
benefits_disclosure_traditional.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
benefits_disclosure_premium object Conditionally returned	Contains information on the Benefits Disclosure (Premium), which is a post-application disclosure that outlines the network benefits of a Mastercard World or Visa Signature card. Allowable Values: Existing `benefits_disclosure_premium` object
benefits_disclosure_premium.asset_token string Conditionally returned	Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement
benefits_disclosure_premium.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
benefits_disclosure_premium.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
benefits_disclosure_premium.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
benefits_disclosure_premium.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
benefits_disclosure_premium.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
privacy_policy object Conditionally returned	Contains information on the Privacy Policy, which is a pre-application disclosure that explains how an applicant’s data is used and managed. Allowable Values: Existing `privacy_policy` object
privacy_policy.asset_token string Conditionally returned	Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement
privacy_policy.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
privacy_policy.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
privacy_policy.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
privacy_policy.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
privacy_policy.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
e_disclosure object Conditionally returned	Contains information on the eDisclosure, which is a pre-application disclosure that states that users are to receive their disclosures electronically. Allowable Values: Existing `e_disclosure` object
e_disclosure.asset_token string Conditionally returned	Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement
e_disclosure.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
e_disclosure.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
e_disclosure.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
e_disclosure.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
e_disclosure.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
card_member_agreement object Conditionally returned	Contains information on the Card Member Agreement, which is a post-application disclosure that specifies the terms and conditions of an account, including the interest rates, interest charges, fees, minimum payment calculations, and more. Allowable Values: Existing `card_member_agreement` object
card_member_agreement.asset_token string Conditionally returned	Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement
card_member_agreement.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
card_member_agreement.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
card_member_agreement.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
card_member_agreement.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
card_member_agreement.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
account_statement object Conditionally returned	Contains information on the Account Statement, which outlines the information that appears on the statements generated for a credit account. Allowable Values: Existing `account_statement` object
account_statement.template_token string Conditionally returned	Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values. Allowable Values: Existing template token for the Terms Schedule, Account Statement, or NOAA
account_statement.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
account_statement.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
account_statement.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
noaa_single_reason object Conditionally returned	Contains information on the Notice of Adverse Action (NOAA) used when an application is declined for single reason. Allowable Values: Existing `noaa_single_reason` object
noaa_single_reason.template_token string Conditionally returned	Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values. Allowable Values: Existing template token for the Terms Schedule, Account Statement, or NOAA
noaa_single_reason.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
noaa_single_reason.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
noaa_single_reason.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
noaa_single_reason_with_dodd_frank object Conditionally returned	Contains information on the NOAA used when an application is declined for single reason related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application. Allowable Values: Existing `noaa_single_reason_with_dodd_frank` object
noaa_single_reason_with_dodd_frank.template_token string Conditionally returned	Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values. Allowable Values: Existing template token for the Terms Schedule, Account Statement, or NOAA
noaa_single_reason_with_dodd_frank.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
noaa_single_reason_with_dodd_frank.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
noaa_single_reason_with_dodd_frank.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
noaa_multiple_reason_with_dodd_frank object Conditionally returned	Contains information on the NOAA used when an application is declined for multiple reasons related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application. Allowable Values: Existing `noaa_multiple_reason_with_dodd_frank` object
noaa_multiple_reason_with_dodd_frank.template_token string Conditionally returned	Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values. Allowable Values: Existing template token for the Terms Schedule, Account Statement, or NOAA
noaa_multiple_reason_with_dodd_frank.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
noaa_multiple_reason_with_dodd_frank.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
noaa_multiple_reason_with_dodd_frank.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
created_time datetime Conditionally returned	Date and time when the document policy was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
updated_time datetime Conditionally returned	Date and time when the document policy was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "token": "my_document_policy_token_1234",
  "name": "My Document Policy",
  "summary_of_credit_terms": {
    "asset_token": "a_summary_of_credit_terms_asset_token1234",
    "asset_urls": {
      "pdf": "https://url.com/a_summary_of_credit_terms_asset_token1234.pdf",
      "png": "https://url.com/a_summary_of_credit_terms_asset_token1234.png",
      "html": "https://url.com/a_summary_of_credit_terms_asset_token1234.html"
    },
    "template_token": "a_summary_of_credit_terms_template_token1234",
    "template_urls": {
      "html": "https://asset-bucket.s3.amazonaws.com/short_code/a_summary_of_credit_terms_template_token1234/a_summary_of_credit_terms_template_token1234.html"
    }
  },
  "rewards_disclosure": {
    "asset_token": "a_rewards_disclosure_asset_token1234",
    "asset_urls": {
      "pdf": "https://url.com/a_rewards_disclosure_asset_token1234.pdf",
      "png": "https://url.com/a_rewards_disclosure_asset_token1234.png",
      "html": "https://url.com/a_rewards_disclosure_asset_token1234.html"
    },
    "template_token": "a_rewards_disclosure_template_token1234",
    "template_urls": {
      "html": "https://url.com/a_rewards_disclosure_template_token1234.html"
    }
  },
  "pre_qualification_disclosure": {
    "asset_token": "a_pre_qualification_disclosure_asset_token1234",
    "asset_urls": {
      "pdf": "https://url.com/a_pre_qualification_disclosure_asset_token1234.pdf",
      "png": "https://url.com/a_pre_qualification_disclosure_asset_token1234.png",
      "html": "https://url.com/a_pre_qualification_disclosure_asset_token1234.html"
    },
    "template_token": "a_pre_qualification_disclosure_template_token1234",
    "template_urls": {
      "html": "https://url.com/a_pre_qualification_disclosure_template_token1234.html"
    }
  },
  "terms_schedule": {
    "template_token": "a_terms_schedule_template_token1234",
    "template_urls": {
      "html": "https://url.com/a_terms_schedule_template_token1234.html"
    }
  },
  "benefits_disclosure_traditional": {
    "asset_token": "a_benefits_disclosure_traditional_asset_token1234",
    "asset_urls": {
      "pdf": "https://url.com/a_benefits_disclosure_traditional_asset_token1234.pdf",
      "png": "https://url.com/a_benefits_disclosure_traditional_asset_token1234.png",
      "html": "https://url.com/a_benefits_disclosure_traditional_asset_token1234.html"
    }
  },
  "benefits_disclosure_premium": {
    "asset_token": "a_benefits_disclosure_premium_asset_token1234",
    "asset_urls": {
      "pdf": "https://url.com/a_benefits_disclosure_premium_asset_token1234.pdf",
      "png": "https://url.com/a_benefits_disclosure_premium_asset_token1234.png",
      "html": "https://url.com/a_benefits_disclosure_premium_asset_token1234.html"
    }
  },
  "privacy_policy": {
    "asset_token": "a_privacy_policy_asset_token1234",
    "asset_urls": {
      "pdf": "https://url.com/a_privacy_policy_asset_token1234.pdf",
      "png": "https://url.com/a_privacy_policy_asset_token1234.png",
      "html": "https://url.com/a_privacy_policy_asset_token1234.html"
    }
  },
  "e_disclosure": {
    "asset_token": "a_e_disclosure_asset_token1234",
    "asset_urls": {
      "pdf": "https://url.com/a_e_disclosure_asset_token1234.pdf",
      "png": "https://url.com/a_e_disclosure_asset_token1234.png",
      "html": "https://url.com/a_e_disclosure_asset_token1234.html"
    }
  },
  "card_member_agreement": {
    "asset_token": "a_card_member_agreement_asset_token1234",
    "asset_urls": {
      "pdf": "https://url.com/a_card_member_agreement_asset_token1234.pdf",
      "png": "https://url.com/a_card_member_agreement_asset_token1234.png",
      "html": "https://url.com/a_card_member_agreement_asset_token1234.html"
    }
  },
  "account_statement": {
    "template_token": "an_account_statement_template_token1234",
    "template_urls": {
      "html": "https://url.com/an_account_statement_template_token1234.html"
    }
  },
  "noaa_single_reason": {
    "template_token": "an_noaa_single_reason_template_token1234",
    "template_urls": {
      "html": "https://url.com/an_noaa_single_reason_template_token1234.html"
    }
  },
  "noaa_single_reason_with_dodd_frank": {
    "template_token": "an_noaa_single_reason_with_dodd_frank_template_token1234",
    "template_urls": {
      "html": "https://url.com/an_noaa_single_reason_with_dodd_frank_template_token1234.html"
    }
  },
  "noaa_multiple_reason_with_dodd_frank": {
    "template_token": "an_noaa_multiple_reason_with_dodd_frank_template_token1234",
    "template_urls": {
      "html": "https://url.com/an_noaa_multiple_reason_with_dodd_frank_template_token1234.html"
    }
  },
  "created_time": "2025-04-01T23:41:58.802Z",
  "updated_time": "2025-04-05T16:04:48.643Z"
}

Update document policy

Action: PUT
Endpoint: /credit/policies/documents/{token} Update a specific document policy, which consists of all the pre- and post-application disclosures and credit program documents known as assets and templates. Assets contain finalized values after a bundle is created; templates do not contain finalized values.

URL path parameters

Fields	Description
token string Required	Unique identifier of the document policy to update. Send a `GET` request to `/policies/documents` to retrieve existing document policy tokens. Allowable Values: Existing document policy token

Request body

Fields	Description
name string Required	Name of the document policy. Allowable Values: 255 char max
summary_of_credit_terms object Required	Contains information on the Summary of Credit Terms (SOCT), which is a pre- and post-application disclosure that outlines the terms of an account, such as the interest rates, interest charges, associated fees, and more. Allowable Values: Existing `summary_of_credit_terms` object
summary_of_credit_terms.asset_token string Required	Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the SOCT or Rewards Disclosure
summary_of_credit_terms.template_token string Required	Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. The values are finalized in the asset version of the document. Allowable Values: Existing template token for the SOCT or Rewards Disclosure
rewards_disclosure object Optional	Contains information on the Rewards Disclosure, which is a pre- and post-application disclosure that provides details about the rewards program for a bundle. Allowable Values: Existing `rewards_disclosure` object
rewards_disclosure.asset_token string Required	Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the SOCT or Rewards Disclosure
rewards_disclosure.template_token string Required	Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. The values are finalized in the asset version of the document. Allowable Values: Existing template token for the SOCT or Rewards Disclosure
pre_qualification_disclosure object Optional	Contains information on the Pre-Qualification Disclosure, which is a pre-disclosure that provides details about the pre-qualification offer for the user. Allowable Values: Existing `pre_qualification_disclosure` object
pre_qualification_disclosure.asset_token string Required	Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the SOCT or Rewards Disclosure
pre_qualification_disclosure.template_token string Required	Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. The values are finalized in the asset version of the document. Allowable Values: Existing template token for the SOCT or Rewards Disclosure
terms_schedule object Required	Contains information on the Terms Schedule, which is a post-application disclosure that contains the terms of credit for an account, including the interest rate details. Allowable Values: Existing `terms_schedule` object
terms_schedule.template_token string Required	Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values. Allowable Values: Existing template token for the Terms Schedule, Account Statement, or NOAA
benefits_disclosure_traditional object Required	Contains information on the Benefits Disclosure (Traditional), which is a post-application disclosure that outlines the network benefits of a traditional Mastercard or Visa card. Allowable Values: Existing `benefits_disclosure_traditional` object
benefits_disclosure_traditional.asset_token string Required	Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement
benefits_disclosure_premium object Required	Contains information on the Benefits Disclosure (Premium), which is a post-application disclosure that outlines the network benefits of a Mastercard World or Visa Signature card. Allowable Values: Existing `benefits_disclosure_premium` object
benefits_disclosure_premium.asset_token string Required	Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement
privacy_policy object Required	Contains information on the Privacy Policy, which is a pre-application disclosure that explains how an applicant’s data is used and managed. Allowable Values: Existing `privacy_policy` object
privacy_policy.asset_token string Required	Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement
e_disclosure object Required	Contains information on the eDisclosure, which is a pre-application disclosure that states that users are to receive their disclosures electronically. Allowable Values: Existing `e_disclosure` object
e_disclosure.asset_token string Required	Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement
card_member_agreement object Required	Contains information on the Card Member Agreement, which is a post-application disclosure that specifies the terms and conditions of an account, including the interest rates, interest charges, fees, minimum payment calculations, and more. Allowable Values: Existing `card_member_agreement` object
card_member_agreement.asset_token string Required	Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement
account_statement object Required	Contains information on the Account Statement, which outlines the information that appears on the statements generated for a credit account. Allowable Values: Existing `account_statement` object
account_statement.template_token string Required	Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values. Allowable Values: Existing template token for the Terms Schedule, Account Statement, or NOAA
noaa_single_reason object Required	Contains information on the Notice of Adverse Action (NOAA) used when an application is declined for single reason. Allowable Values: Existing `noaa_single_reason` object
noaa_single_reason.template_token string Required	Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values. Allowable Values: Existing template token for the Terms Schedule, Account Statement, or NOAA
noaa_single_reason_with_dodd_frank object Required	Contains information on the NOAA used when an application is declined for single reason related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application. Allowable Values: Existing `noaa_single_reason_with_dodd_frank` object
noaa_single_reason_with_dodd_frank.template_token string Required	Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values. Allowable Values: Existing template token for the Terms Schedule, Account Statement, or NOAA
noaa_multiple_reason_with_dodd_frank object Required	Contains information on the NOAA used when an application is declined for multiple reasons related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application. Allowable Values: Existing `noaa_multiple_reason_with_dodd_frank` object
noaa_multiple_reason_with_dodd_frank.template_token string Required	Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values. Allowable Values: Existing template token for the Terms Schedule, Account Statement, or NOAA

Sample request body

JSON

{
  "token": "my_document_policy_token_1234",
  "name": "My Changed Document Policy",
  "summary_of_credit_terms": {
    "asset_token": "a_summary_of_credit_terms_asset_token321",
    "template_token": "a_summary_of_credit_terms_template_token321"
  },
  "rewards_disclosure": {
    "asset_token": "a_rewards_disclosure_asset_token321",
    "template_token": "a_rewards_disclosure_template_token321"
  },
  "pre_qualification_disclosure": {
    "asset_token": "a_pre_qualification_disclosure_asset_token321",
    "template_token": "a_pre_qualification_disclosure_template_token321"
  },
  "terms_schedule": {
    "template_token": "a_terms_schedule_template_token321"
  },
  "benefits_disclosure_traditional": {
    "asset_token": "a_benefits_disclosure_traditional_asset_token321"
  },
  "benefits_disclosure_premium": {
    "asset_token": "a_benefits_disclosure_asset_token321"
  },
  "privacy_policy": {
    "asset_token": "a_privacy_policy_asset_token321"
  },
  "e_disclosure": {
    "asset_token": "a_e_disclosure_asset_token321"
  },
  "card_member_agreement": {
    "asset_token": "a_card_member_agreement_asset_token321"
  },
  "account_statement": {
    "template_token": "an_account_statement_template_token321"
  },
  "noaa_single_reason": {
    "template_token": "an_noaa_single_reason_template_token321"
  },
  "noaa_single_reason_with_dodd_frank": {
    "template_token": "an_noaa_single_reason_with_dodd_frank_template_token321"
  },
  "noaa_multiple_reason_with_dodd_frank": {
    "template_token": "an_noaa_multiple_reason_with_dodd_frank_template_token321"
  }
}

Response body

Fields	Description
token string Conditionally returned	Unique identifier of the document policy. Allowable Values: 36 char max
name string Conditionally returned	Name of the document policy. Allowable Values: 255 char max
summary_of_credit_terms object Conditionally returned	Contains information on the Summary of Credit Terms (SOCT), which is a pre- and post-application disclosure that outlines the terms of an account, such as the interest rates, interest charges, associated fees, and more. Allowable Values: Existing `summary_of_credit_terms` object
summary_of_credit_terms.asset_token string Conditionally returned	Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the SOCT or Rewards Disclosure
summary_of_credit_terms.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
summary_of_credit_terms.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
summary_of_credit_terms.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
summary_of_credit_terms.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
summary_of_credit_terms.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
summary_of_credit_terms.template_token string Conditionally returned	Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document. Allowable Values: Existing template token for the SOCT or Rewards Disclosure
summary_of_credit_terms.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
summary_of_credit_terms.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
summary_of_credit_terms.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
rewards_disclosure object Conditionally returned	Contains information on the Rewards Disclosure, which is a pre- and post-application disclosure that provides details about the rewards program for a bundle. Allowable Values: Existing `rewards_disclosure` object
rewards_disclosure.asset_token string Conditionally returned	Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the SOCT or Rewards Disclosure
rewards_disclosure.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
rewards_disclosure.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
rewards_disclosure.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
rewards_disclosure.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
rewards_disclosure.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
rewards_disclosure.template_token string Conditionally returned	Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document. Allowable Values: Existing template token for the SOCT or Rewards Disclosure
rewards_disclosure.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
rewards_disclosure.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
rewards_disclosure.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
pre_qualification_disclosure object Conditionally returned	Contains information on the Pre-Qualification Disclosure, which is a pre-disclosure that provides details about the pre-qualification offer for the user. Allowable Values: Existing `pre_qualification_disclosure` object
pre_qualification_disclosure.asset_token string Conditionally returned	Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the SOCT or Rewards Disclosure
pre_qualification_disclosure.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
pre_qualification_disclosure.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
pre_qualification_disclosure.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
pre_qualification_disclosure.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
pre_qualification_disclosure.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
pre_qualification_disclosure.template_token string Conditionally returned	Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document. Allowable Values: Existing template token for the SOCT or Rewards Disclosure
pre_qualification_disclosure.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
pre_qualification_disclosure.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
pre_qualification_disclosure.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
terms_schedule object Conditionally returned	Contains information on the Terms Schedule, which is a post-application disclosure that contains the terms of credit for an account, including the interest rate details. Allowable Values: Existing `terms_schedule` object
terms_schedule.template_token string Conditionally returned	Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values. Allowable Values: Existing template token for the Terms Schedule, Account Statement, or NOAA
terms_schedule.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
terms_schedule.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
terms_schedule.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
benefits_disclosure_traditional object Conditionally returned	Contains information on the Benefits Disclosure (Traditional), which is a post-application disclosure that outlines the network benefits of a traditional Mastercard or Visa card. Allowable Values: Existing `benefits_disclosure_traditional` object
benefits_disclosure_traditional.asset_token string Conditionally returned	Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement
benefits_disclosure_traditional.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
benefits_disclosure_traditional.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
benefits_disclosure_traditional.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
benefits_disclosure_traditional.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
benefits_disclosure_traditional.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
benefits_disclosure_premium object Conditionally returned	Contains information on the Benefits Disclosure (Premium), which is a post-application disclosure that outlines the network benefits of a Mastercard World or Visa Signature card. Allowable Values: Existing `benefits_disclosure_premium` object
benefits_disclosure_premium.asset_token string Conditionally returned	Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement
benefits_disclosure_premium.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
benefits_disclosure_premium.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
benefits_disclosure_premium.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
benefits_disclosure_premium.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
benefits_disclosure_premium.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
privacy_policy object Conditionally returned	Contains information on the Privacy Policy, which is a pre-application disclosure that explains how an applicant’s data is used and managed. Allowable Values: Existing `privacy_policy` object
privacy_policy.asset_token string Conditionally returned	Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement
privacy_policy.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
privacy_policy.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
privacy_policy.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
privacy_policy.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
privacy_policy.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
e_disclosure object Conditionally returned	Contains information on the eDisclosure, which is a pre-application disclosure that states that users are to receive their disclosures electronically. Allowable Values: Existing `e_disclosure` object
e_disclosure.asset_token string Conditionally returned	Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement
e_disclosure.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
e_disclosure.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
e_disclosure.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
e_disclosure.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
e_disclosure.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
card_member_agreement object Conditionally returned	Contains information on the Card Member Agreement, which is a post-application disclosure that specifies the terms and conditions of an account, including the interest rates, interest charges, fees, minimum payment calculations, and more. Allowable Values: Existing `card_member_agreement` object
card_member_agreement.asset_token string Conditionally returned	Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement
card_member_agreement.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
card_member_agreement.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
card_member_agreement.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
card_member_agreement.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
card_member_agreement.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
account_statement object Conditionally returned	Contains information on the Account Statement, which outlines the information that appears on the statements generated for a credit account. Allowable Values: Existing `account_statement` object
account_statement.template_token string Conditionally returned	Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values. Allowable Values: Existing template token for the Terms Schedule, Account Statement, or NOAA
account_statement.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
account_statement.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
account_statement.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
noaa_single_reason object Conditionally returned	Contains information on the Notice of Adverse Action (NOAA) used when an application is declined for single reason. Allowable Values: Existing `noaa_single_reason` object
noaa_single_reason.template_token string Conditionally returned	Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values. Allowable Values: Existing template token for the Terms Schedule, Account Statement, or NOAA
noaa_single_reason.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
noaa_single_reason.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
noaa_single_reason.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
noaa_single_reason_with_dodd_frank object Conditionally returned	Contains information on the NOAA used when an application is declined for single reason related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application. Allowable Values: Existing `noaa_single_reason_with_dodd_frank` object
noaa_single_reason_with_dodd_frank.template_token string Conditionally returned	Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values. Allowable Values: Existing template token for the Terms Schedule, Account Statement, or NOAA
noaa_single_reason_with_dodd_frank.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
noaa_single_reason_with_dodd_frank.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
noaa_single_reason_with_dodd_frank.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
noaa_multiple_reason_with_dodd_frank object Conditionally returned	Contains information on the NOAA used when an application is declined for multiple reasons related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application. Allowable Values: Existing `noaa_multiple_reason_with_dodd_frank` object
noaa_multiple_reason_with_dodd_frank.template_token string Conditionally returned	Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values. Allowable Values: Existing template token for the Terms Schedule, Account Statement, or NOAA
noaa_multiple_reason_with_dodd_frank.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
noaa_multiple_reason_with_dodd_frank.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
noaa_multiple_reason_with_dodd_frank.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
created_time datetime Conditionally returned	Date and time when the document policy was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
updated_time datetime Conditionally returned	Date and time when the document policy was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "token": "my_document_policy_token_1234",
  "name": "My Changed Document Policy",
  "summary_of_credit_terms": {
    "asset_token": "a_summary_of_credit_terms_asset_token321",
    "asset_urls": {
      "pdf": "https://url.com/a_summary_of_credit_terms_asset_token321.pdf",
      "png": "https://url.com/a_summary_of_credit_terms_asset_token321.png",
      "html": "https://url.com/a_summary_of_credit_terms_asset_token321.html"
    },
    "template_token": "a_summary_of_credit_terms_template_token321",
    "template_urls": {
      "html": "https://url.com/a_summary_of_credit_terms_template_token321.html"
    }
  },
  "rewards_disclosure": {
    "asset_token": "a_rewards_disclosure_asset_token321",
    "asset_urls": {
      "pdf": "https://url.com/a_rewards_disclosure_asset_token321.pdf",
      "png": "https://url.com/a_rewards_disclosure_asset_token321.png",
      "html": "https://url.com/a_rewards_disclosure_asset_token321.html"
    },
    "template_token": "a_rewards_disclosure_template_token321",
    "template_urls": {
      "html": "https://url.com/a_rewards_disclosure_template_token321.html"
    }
  },
  "pre_qualification_disclosure": {
    "asset_token": "a_pre_qualification_disclosure_asset_token321",
    "asset_urls": {
      "pdf": "https://url.com/a_pre_qualification_disclosure_asset_token321.pdf",
      "png": "https://url.com/a_pre_qualification_disclosure_asset_token321.png",
      "html": "https://url.com/a_pre_qualification_disclosure_asset_token321.html"
    },
    "template_token": "a_pre_qualification_disclosure_template_token321",
    "template_urls": {
      "html": "https://url.com/a_pre_qualification_disclosure_template_token321.html"
    }
  },
  "terms_schedule": {
    "template_token": "a_terms_schedule_template_token321",
    "template_urls": {
      "html": "https://url.com/a_terms_schedule_template_token321.html"
    }
  },
  "benefits_disclosure_traditional": {
    "asset_token": "a_benefits_disclosure_traditional_asset_token321",
    "asset_urls": {
      "pdf": "https://url.com/a_benefits_disclosure_traditional_asset_token321.pdf",
      "png": "https://url.com/a_benefits_disclosure_traditional_asset_token321.png",
      "html": "https://url.com/a_benefits_disclosure_traditional_asset_token321.html"
    }
  },
  "benefits_disclosure_premium": {
    "asset_token": "a_benefits_disclosure_premium_asset_token321",
    "asset_urls": {
      "pdf": "https://url.com/a_benefits_disclosure_premium_asset_token321.pdf",
      "png": "https://url.com/a_benefits_disclosure_premium_asset_token321.png",
      "html": "https://url.com/a_benefits_disclosure_premium_asset_token321.html"
    }
  },
  "privacy_policy": {
    "asset_token": "a_privacy_policy_asset_token321",
    "asset_urls": {
      "pdf": "https://url.com/a_privacy_policy_asset_token321.pdf",
      "png": "https://url.com/a_privacy_policy_asset_token321.png",
      "html": "https://url.com/a_privacy_policy_asset_token321.html"
    }
  },
  "e_disclosure": {
    "asset_token": "a_e_disclosure_asset_token321",
    "asset_urls": {
      "pdf": "https://url.com/a_e_disclosure_asset_token321.pdf",
      "png": "https://url.com/a_e_disclosure_asset_token321.png",
      "html": "https://url.com/a_e_disclosure_asset_token321.html"
    }
  },
  "card_member_agreement": {
    "asset_token": "a_card_member_agreement_asset_token321",
    "asset_urls": {
      "pdf": "https://url.com/a_card_member_agreement_asset_token321.pdf",
      "png": "https://url.com/a_card_member_agreement_asset_token321.png",
      "html": "https://url.com/a_card_member_agreement_asset_token321.html"
    }
  },
  "account_statement": {
    "template_token": "an_account_statement_template_token321",
    "template_urls": {
      "html": "https://url.com/an_account_statement_template_token321.html"
    }
  },
  "noaa_single_reason": {
    "template_token": "an_noaa_single_reason_template_token321",
    "template_urls": {
      "html": "https://url.com/an_noaa_single_reason_template_token321.html"
    }
  },
  "noaa_single_reason_with_dodd_frank": {
    "template_token": "an_noaa_single_reason_with_dodd_frank_template_token321",
    "template_urls": {
      "html": "https://url.com/an_noaa_single_reason_with_dodd_frank_template_token321.html"
    }
  },
  "noaa_multiple_reason_with_dodd_frank": {
    "template_token": "an_noaa_multiple_reason_with_dodd_frank_template_token321",
    "template_urls": {
      "html": "https://url.com/an_noaa_multiple_reason_with_dodd_frank_template_token321.html"
    }
  },
  "created_time": "2025-04-01T23:41:58.802Z",
  "updated_time": "2025-04-05T16:04:48.643Z"
}

Clone document policy

Action: POST
Endpoint: /credit/policies/documents/{token}/clone Create a new document policy based on an existing document policy. A document policy consists of all the pre- and post-application disclosures and credit program documents known as assets and templates. Assets contain finalized values after a bundle is created; templates do not contain finalized values.

URL path parameters

Fields	Description
token string Required	Unique identifier of the document policy to clone. Send a `GET` request to `/policies/documents` to retrieve existing document policy tokens. Allowable Values: Existing document policy token

Response body

Fields	Description
token string Conditionally returned	Unique identifier of the document policy. Allowable Values: 36 char max
name string Conditionally returned	Name of the document policy. Allowable Values: 255 char max
summary_of_credit_terms object Conditionally returned	Contains information on the Summary of Credit Terms (SOCT), which is a pre- and post-application disclosure that outlines the terms of an account, such as the interest rates, interest charges, associated fees, and more. Allowable Values: Existing `summary_of_credit_terms` object
summary_of_credit_terms.asset_token string Conditionally returned	Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the SOCT or Rewards Disclosure
summary_of_credit_terms.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
summary_of_credit_terms.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
summary_of_credit_terms.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
summary_of_credit_terms.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
summary_of_credit_terms.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
summary_of_credit_terms.template_token string Conditionally returned	Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document. Allowable Values: Existing template token for the SOCT or Rewards Disclosure
summary_of_credit_terms.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
summary_of_credit_terms.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
summary_of_credit_terms.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
rewards_disclosure object Conditionally returned	Contains information on the Rewards Disclosure, which is a pre- and post-application disclosure that provides details about the rewards program for a bundle. Allowable Values: Existing `rewards_disclosure` object
rewards_disclosure.asset_token string Conditionally returned	Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the SOCT or Rewards Disclosure
rewards_disclosure.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
rewards_disclosure.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
rewards_disclosure.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
rewards_disclosure.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
rewards_disclosure.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
rewards_disclosure.template_token string Conditionally returned	Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document. Allowable Values: Existing template token for the SOCT or Rewards Disclosure
rewards_disclosure.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
rewards_disclosure.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
rewards_disclosure.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
pre_qualification_disclosure object Conditionally returned	Contains information on the Pre-Qualification Disclosure, which is a pre-disclosure that provides details about the pre-qualification offer for the user. Allowable Values: Existing `pre_qualification_disclosure` object
pre_qualification_disclosure.asset_token string Conditionally returned	Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the SOCT or Rewards Disclosure
pre_qualification_disclosure.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
pre_qualification_disclosure.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
pre_qualification_disclosure.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
pre_qualification_disclosure.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
pre_qualification_disclosure.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
pre_qualification_disclosure.template_token string Conditionally returned	Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document. Allowable Values: Existing template token for the SOCT or Rewards Disclosure
pre_qualification_disclosure.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
pre_qualification_disclosure.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
pre_qualification_disclosure.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
terms_schedule object Conditionally returned	Contains information on the Terms Schedule, which is a post-application disclosure that contains the terms of credit for an account, including the interest rate details. Allowable Values: Existing `terms_schedule` object
terms_schedule.template_token string Conditionally returned	Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values. Allowable Values: Existing template token for the Terms Schedule, Account Statement, or NOAA
terms_schedule.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
terms_schedule.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
terms_schedule.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
benefits_disclosure_traditional object Conditionally returned	Contains information on the Benefits Disclosure (Traditional), which is a post-application disclosure that outlines the network benefits of a traditional Mastercard or Visa card. Allowable Values: Existing `benefits_disclosure_traditional` object
benefits_disclosure_traditional.asset_token string Conditionally returned	Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement
benefits_disclosure_traditional.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
benefits_disclosure_traditional.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
benefits_disclosure_traditional.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
benefits_disclosure_traditional.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
benefits_disclosure_traditional.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
benefits_disclosure_premium object Conditionally returned	Contains information on the Benefits Disclosure (Premium), which is a post-application disclosure that outlines the network benefits of a Mastercard World or Visa Signature card. Allowable Values: Existing `benefits_disclosure_premium` object
benefits_disclosure_premium.asset_token string Conditionally returned	Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement
benefits_disclosure_premium.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
benefits_disclosure_premium.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
benefits_disclosure_premium.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
benefits_disclosure_premium.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
benefits_disclosure_premium.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
privacy_policy object Conditionally returned	Contains information on the Privacy Policy, which is a pre-application disclosure that explains how an applicant’s data is used and managed. Allowable Values: Existing `privacy_policy` object
privacy_policy.asset_token string Conditionally returned	Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement
privacy_policy.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
privacy_policy.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
privacy_policy.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
privacy_policy.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
privacy_policy.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
e_disclosure object Conditionally returned	Contains information on the eDisclosure, which is a pre-application disclosure that states that users are to receive their disclosures electronically. Allowable Values: Existing `e_disclosure` object
e_disclosure.asset_token string Conditionally returned	Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement
e_disclosure.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
e_disclosure.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
e_disclosure.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
e_disclosure.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
e_disclosure.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
card_member_agreement object Conditionally returned	Contains information on the Card Member Agreement, which is a post-application disclosure that specifies the terms and conditions of an account, including the interest rates, interest charges, fees, minimum payment calculations, and more. Allowable Values: Existing `card_member_agreement` object
card_member_agreement.asset_token string Conditionally returned	Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created. Allowable Values: Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement
card_member_agreement.asset_urls object Conditionally returned	Contains one or more URLs for an asset. Allowable Values: One or more `asset_urls` objects
card_member_agreement.asset_urls.pdf string Returned	URL to the PDF version of the asset. Allowable Values: Valid URL
card_member_agreement.asset_urls.png string Returned	URL to the PNG version of the asset. Allowable Values: Valid URL
card_member_agreement.asset_urls.html string Returned	URL to the HTML version of the asset. Allowable Values: Valid URL
card_member_agreement.asset_created_time datetime Conditionally returned	Date and time when the asset was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
account_statement object Conditionally returned	Contains information on the Account Statement, which outlines the information that appears on the statements generated for a credit account. Allowable Values: Existing `account_statement` object
account_statement.template_token string Conditionally returned	Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values. Allowable Values: Existing template token for the Terms Schedule, Account Statement, or NOAA
account_statement.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
account_statement.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
account_statement.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
noaa_single_reason object Conditionally returned	Contains information on the Notice of Adverse Action (NOAA) used when an application is declined for single reason. Allowable Values: Existing `noaa_single_reason` object
noaa_single_reason.template_token string Conditionally returned	Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values. Allowable Values: Existing template token for the Terms Schedule, Account Statement, or NOAA
noaa_single_reason.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
noaa_single_reason.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
noaa_single_reason.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
noaa_single_reason_with_dodd_frank object Conditionally returned	Contains information on the NOAA used when an application is declined for single reason related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application. Allowable Values: Existing `noaa_single_reason_with_dodd_frank` object
noaa_single_reason_with_dodd_frank.template_token string Conditionally returned	Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values. Allowable Values: Existing template token for the Terms Schedule, Account Statement, or NOAA
noaa_single_reason_with_dodd_frank.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
noaa_single_reason_with_dodd_frank.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
noaa_single_reason_with_dodd_frank.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
noaa_multiple_reason_with_dodd_frank object Conditionally returned	Contains information on the NOAA used when an application is declined for multiple reasons related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application. Allowable Values: Existing `noaa_multiple_reason_with_dodd_frank` object
noaa_multiple_reason_with_dodd_frank.template_token string Conditionally returned	Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values. Allowable Values: Existing template token for the Terms Schedule, Account Statement, or NOAA
noaa_multiple_reason_with_dodd_frank.template_urls object Conditionally returned	Contains one or more URLs for a template. Allowable Values: One or more `template_urls` objects
noaa_multiple_reason_with_dodd_frank.template_urls.html string Returned	URL to the HTML version of the document template. Allowable Values: Valid URL
noaa_multiple_reason_with_dodd_frank.template_created_time datetime Conditionally returned	Date and time when the template was created. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
created_time datetime Conditionally returned	Date and time when the document policy was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
updated_time datetime Conditionally returned	Date and time when the document policy was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "token": "my_document_policy_token_1234",
  "name": "My Document Policy",
  "summary_of_credit_terms": {
    "asset_token": "a_summary_of_credit_terms_asset_token1234",
    "asset_urls": {
      "pdf": "https://url.com/a_summary_of_credit_terms_asset_token1234.pdf",
      "png": "https://url.com/a_summary_of_credit_terms_asset_token1234.png",
      "html": "https://url.com/a_summary_of_credit_terms_asset_token1234.html"
    },
    "template_token": "a_summary_of_credit_terms_template_token1234",
    "template_urls": {
      "html": "https://asset-bucket.s3.amazonaws.com/short_code/a_summary_of_credit_terms_template_token1234/a_summary_of_credit_terms_template_token1234.html"
    }
  },
  "rewards_disclosure": {
    "asset_token": "a_rewards_disclosure_asset_token1234",
    "asset_urls": {
      "pdf": "https://url.com/a_rewards_disclosure_asset_token1234.pdf",
      "png": "https://url.com/a_rewards_disclosure_asset_token1234.png",
      "html": "https://url.com/a_rewards_disclosure_asset_token1234.html"
    },
    "template_token": "a_rewards_disclosure_template_token1234",
    "template_urls": {
      "html": "https://url.com/a_rewards_disclosure_template_token1234.html"
    }
  },
  "pre_qualification_disclosure": {
    "asset_token": "a_pre_qualification_disclosure_asset_token1234",
    "asset_urls": {
      "pdf": "https://url.com/a_pre_qualification_disclosure_asset_token1234.pdf",
      "png": "https://url.com/a_pre_qualification_disclosure_asset_token1234.png",
      "html": "https://url.com/a_pre_qualification_disclosure_asset_token1234.html"
    },
    "template_token": "a_pre_qualification_disclosure_template_token1234",
    "template_urls": {
      "html": "https://url.com/a_pre_qualification_disclosure_template_token1234.html"
    }
  },
  "terms_schedule": {
    "template_token": "a_terms_schedule_template_token1234",
    "template_urls": {
      "html": "https://url.com/a_terms_schedule_template_token1234.html"
    }
  },
  "benefits_disclosure": {
    "asset_token": "a_benefits_disclosure_asset_token1234",
    "asset_urls": {
      "pdf": "https://url.com/a_benefits_disclosure_asset_token1234.pdf",
      "png": "https://url.com/a_benefits_disclosure_asset_token1234.png",
      "html": "https://url.com/a_benefits_disclosure_asset_token1234.html"
    }
  },
  "notice_of_adverse_action": {
    "template_token": "a_notice_of_adverse_action_template_token1234",
    "template_urls": {
      "html": "https://url.com/a_notice_of_adverse_action_template_token1234.html"
    }
  },
  "privacy_policy": {
    "asset_token": "a_privacy_policy_asset_token1234",
    "asset_urls": {
      "pdf": "https://url.com/a_privacy_policy_asset_token1234.pdf",
      "png": "https://url.com/a_privacy_policy_asset_token1234.png",
      "html": "https://url.com/a_privacy_policy_asset_token1234.html"
    }
  },
  "e_disclosure": {
    "asset_token": "a_e_disclosure_asset_token1234",
    "asset_urls": {
      "pdf": "https://url.com/a_e_disclosure_asset_token1234.pdf",
      "png": "https://url.com/a_e_disclosure_asset_token1234.png",
      "html": "https://url.com/a_e_disclosure_asset_token1234.html"
    }
  },
  "card_member_agreement": {
    "asset_token": "a_card_member_agreement_asset_token1234",
    "asset_urls": {
      "pdf": "https://url.com/a_card_member_agreement_asset_token1234.pdf",
      "png": "https://url.com/a_card_member_agreement_asset_token1234.png",
      "html": "https://url.com/a_card_member_agreement_asset_token1234.html"
    }
  },
  "account_statement": {
    "template_token": "an_account_statement_template_token1234",
    "template_urls": {
      "html": "https://url.com/an_account_statement_template_token1234.html"
    }
  },
  "created_time": "2025-04-01T23:41:58.802Z",
  "updated_time": "2025-04-05T16:04:48.643Z"
}

Create credit product policy

Action: POST
Endpoint: /credit/policies/products Create a new credit product policy.

Request body

Fields	Description
token string Optional	Unique identifier of the credit product policy. Allowable Values: 36 char max
card_products array of objects Required	One or more card products associated with the credit product policy. Allowable Values: One or more `card_products` objects
card_products[].token string Required	Unique identifier of the card product. Allowable Values: 36 char max
card_products[].level string Required	Level of the card product. Allowable Values: `PREMIUM`, `TRADITIONAL`
name string Required	Name of the credit product policy. Allowable Values: 1 char min
description string Optional	Description of the credit product policy. Allowable Values: 255 char max
classification string Required	Specifies for whom the credit product is intended. - `CONSUMER` - The credit product is intended for individual consumers. - `SMALL_AND_MEDIUM_BUSINESS` - The credit product is intended for small and medium business. Allowable Values: `CONSUMER`, `SMALL_AND_MEDIUM_BUSINESS`
product_type string Required	Type of credit product. `REVOLVING` - Allows users to continuously borrow and pay debts up to the credit limit. Allowable Values: `REVOLVING`
product_sub_type string Required	Subtype of the credit product type. - `CREDIT_CARD` - Card that enables the cardholder to make purchases on credit. - `SECURED_CARD` - Card backed by a user-funded deposit that enables the cardholder to make purchases on credit. Allowable Values: `CREDIT_CARD`, `SECURED_CARD`
currency_code string Required	Valid three-digit ISO 4217 currency code. Allowable Values: `USD`
credit_line object Required	Contains information on the credit line range. Allowable Values: Existing `credit_line` object
credit_line.min decimal Required	Minimum credit limit. Allowable Values: 0–999999999999.99
credit_line.max decimal Required	Maximum credit limit. Allowable Values: 0–999999999999.99
usage array of strings Required	One or more usage types for the credit product policy. Allowable Values: `PURCHASE`
interest_calculation object Required	Contains the configurations for interest calculation. Allowable Values: Existing `interest_calculation` object
interest_calculation.method string Required	Method of interest calculation. Allowable Values: `AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS`
interest_calculation.day_count string Required	Day-count convention. Allowable Values: `ACTUAL`
interest_calculation.interest_application array of strings Required	One or more balance types on which interest is applied. Allowable Values: `PRINCIPAL`, `FEES`, `INTEREST`
interest_calculation.minimum_interest decimal Required	When interest is applied, this value determines the minimum amount of interest that can be charged. Allowable Values: 0–999999999999.99
interest_calculation.interest_on_grace_reactivation string Required	Determines whether to charge or waive interest for the billing period when the balance is paid off. Allowable Values: `ACCRUE_FULL_CYCLE`, `ACCRUE_PAYMENT_DATE`, `WAIVE`
interest_calculation.grace_days_application string Required	Determines the last day of grace period based on which interest charges are calculated. Allowable Values: `NEXT_CYCLE_DATE`
interest_calculation.exclude_tran_types array of strings Optional	One or more transactions that are excluded from current billing period’s interest charge, but included in next. Allowable Values: `LATE_PAYMENT_FEE`, `ANNUAL_FEE`, `MONTHLY_FEE`, `CASH_BACK_STATEMENT_CREDIT`, `RETURNED_PAYMENT_FEE`, `FOREIGN_TRANSACTION_FEE`
payments object Required	Contains the configurations for billing cycle day, payment due day, and fees. Allowable Values: Existing `payments` object
payments.billing_cycle_day integer Required	Day of the month when the billing cycle starts. Allowable Values: 1–28
payments.due_day integer Optional	Day of month the payment for the previous billing cycle is due. This field is being deprecated and replaced by `payment_due_interval` of a product policy. To retrieve `payment_due_interval`, see Retrieve credit product policy, payments.payment_due_interval. Allowable Values: 31
payments.billing_cycle_frequency string Optional	Frequency at which the account is billed. Allowable Values: `MONTHLY`
payments.payment_due_interval integer Optional	Specifies the payment due interval that is used to determine the payment due date for a billing cycle. A value of -1 indicates one day prior to the next billing cycle date. For consumer programs, a minimum gap of 21 days is required between when a statement is delivered and the payment due date. Allowable Values: -1 min Positive integers greater than 0; -1 is the default value
payments.billing_cycle_day_strategy string Optional	Determines if the billing cycle day is manually set or determined dynamically during account creation based on cycling logic. Allowable Values: `MANUAL`
payments.allocation_order array of strings Required	Ordered list of balance types to which payments are allocated, from first to last. Allowable Values: `INTEREST`, `FEES`, `PRINCIPAL`
payments.min_payment_calculation object Required	Contains information used to calculate the minimum payment amount on a credit product policy. Allowable Values: Existing `min_payment_calculation` object
payments.min_payment_calculation.include_past_due_amount boolean Required	Whether to include the past due amount when calculating the minimum payment. Allowable Values: `true`, `false`
payments.min_payment_calculation.include_overlimit_amount boolean Required	Whether to include the overlimit amount when calculating the minimum payment. Allowable Values: `true`, `false`
payments.min_payment_calculation.min_payment_flat_amount decimal Optional	Minimum payment, expressed as a flat amount, due on the payment due day. Allowable Values: Format: 0.00
payments.min_payment_calculation.min_payment_percentage object Optional	Contains information used to calculate the minimum payment amount when expressed as a percentage. Allowable Values: Existing `min_payment_percentage` object
payments.min_payment_calculation.min_payment_percentage.percentage_of_balance decimal Required	Minimum payment, expressed as a percentage of the total statement balance, due on the payment due day. Allowable Values: 0.0001–100
payments.min_payment_calculation.min_payment_percentage.include_interest_charged boolean Required	Whether to include the amount of interest charged when calculating the minimum payment. Allowable Values: `true`, `false`
payments.min_payment_calculation.min_payment_percentage.include_all_fees_charged boolean Optional	Whether to include all fees charged when calculating the minimum payment. Allowable Values: `true`, `false`

Sample request body

JSON

{
  "token": "my_credit_product_policy_token_1234",
  "card_products": [
    {
      "token": "my_card_product_token1234",
      "level": "TRADITIONAL",
      "network": "VISA"
    }
  ],
  "name": "Gold Credit Product Policy",
  "description": "A gold credit product policy",
  "classification": "CONSUMER",
  "product_type": "REVOLVING",
  "product_sub_type": "CREDIT_CARD",
  "currency_code": "USD",
  "credit_line": {
    "min": 50,
    "max": 3500
  },
  "usage": [
    "PURCHASE"
  ],
  "interest_calculation": {
    "method": "AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS",
    "day_count": "ACTUAL",
    "interest_application": [
      "PRINCIPAL",
      "FEES"
    ],
    "minimum_interest": 1,
    "interest_on_grace_reactivation": "ACCRUE_PAYMENT_DATE",
    "grace_days_application": "NEXT_CYCLE_DATE",
    "exclude_tran_types": [
      "ANNUAL_FEE",
      "LATE_PAYMENT_FEE",
      "CASH_BACK_STATEMENT_CREDIT",
      "FOREIGN_TRANSACTION_FEE"
    ]
  },
  "payments": {
    "billing_cycle_day": 1,
    "allocation_order": [
      "INTEREST",
      "FEES",
      "PRINCIPAL"
    ],
    "min_payment_calculation": {
      "include_past_due_amount": false,
      "include_overlimit_amount": true,
      "min_payment_flat_amount": 20,
      "min_payment_percentage": {
        "percentage_of_balance": 1,
        "include_interest_charged": false,
        "include_fees_charged": [
          "LATE_PAYMENT_FEE",
          "FOREIGN_TRANSACTION_FEE"
        ]
      }
    }
  }
}

Response body

Fields	Description
token string Conditionally returned	Unique identifier of the credit product policy. Allowable Values: 36 char max
card_products array of objects Conditionally returned	One or more card products associated with the credit product policy. Allowable Values: One or more `card_products` objects
card_products[].token string Conditionally returned	Unique identifier of the card product. Allowable Values: 36 char max
card_products[].level string Conditionally returned	Level of the card product. Allowable Values: `PREMIUM`, `TRADITIONAL`
card_products[].network string Conditionally returned	Name of the card network. Allowable Values: `VISA`, `MASTERCARD`, `SANDBOX`
name string Conditionally returned	Name of the credit product policy. Allowable Values: 1 char min
description string Conditionally returned	Description of the credit product policy. Allowable Values: 255 char max
classification string Conditionally returned	Specifies for whom the credit product is intended. - `CONSUMER` - The credit product is intended for individual consumers. - `SMALL_AND_MEDIUM_BUSINESS` - The credit product is intended for small and medium business. Allowable Values: `CONSUMER`, `SMALL_AND_MEDIUM_BUSINESS`
product_type string Conditionally returned	Type of credit product. `REVOLVING` - Allows users to continuously borrow and pay debts up to the credit limit. Allowable Values: `REVOLVING`
product_sub_type string Conditionally returned	Subtype of the credit product type. - `CREDIT_CARD` - Card that enables the cardholder to make purchases on credit. - `SECURED_CARD` - Card backed by a user-funded deposit that enables the cardholder to make purchases on credit. Allowable Values: `CREDIT_CARD`, `SECURED_CARD`
currency_code string Conditionally returned	Valid three-digit ISO 4217 currency code. Allowable Values: `USD`
credit_line object Conditionally returned	Contains information on the credit line range. Allowable Values: Existing `credit_line` object
credit_line.min decimal Returned	Minimum credit limit. Allowable Values: 0–999999999999.99
credit_line.max decimal Returned	Maximum credit limit. Allowable Values: 0–999999999999.99
usage array of strings Conditionally returned	One or more usage types for the credit product policy. Allowable Values: `PURCHASE` Valid `usage` array
interest_calculation object Conditionally returned	Contains the configurations for interest calculation. Allowable Values: Existing `interest_calculation` object
interest_calculation.method string Returned	Method of interest calculation. Allowable Values: `AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS`
interest_calculation.day_count string Returned	Day-count convention. Allowable Values: `ACTUAL`
interest_calculation.interest_application array of strings Returned	One or more balance types on which interest is applied. Allowable Values: `PRINCIPAL`, `FEES`, `INTEREST`
interest_calculation.minimum_interest decimal Returned	When interest is applied, this value determines the minimum amount of interest that can be charged. Allowable Values: 0–999999999999.99
interest_calculation.interest_on_grace_reactivation string Returned	Determines whether to charge or waive interest for the billing period when the balance is paid off. Allowable Values: `ACCRUE_FULL_CYCLE`, `ACCRUE_PAYMENT_DATE`, `WAIVE`
interest_calculation.grace_days_application string Returned	Determines the last day of grace period based on which interest charges are calculated. Allowable Values: `NEXT_CYCLE_DATE`
interest_calculation.exclude_tran_types array of strings Conditionally returned	One or more transactions that are excluded from current billing period’s interest charge, but included in next. Allowable Values: `LATE_PAYMENT_FEE`, `ANNUAL_FEE`, `MONTHLY_FEE`, `CASH_BACK_STATEMENT_CREDIT`, `RETURNED_PAYMENT_FEE`, `FOREIGN_TRANSACTION_FEE`
payments object Conditionally returned	Contains the configurations for billing cycle day, payment due day, and fees. Allowable Values: Existing `payments` object
payments.billing_cycle_day integer Returned	Day of the month when the billing cycle starts. Allowable Values: 1–28
payments.due_day integer Conditionally returned	Day of month the payment for the previous billing cycle is due. This field is being deprecated and replaced by `payment_due_interval` of a product policy. To retrieve `payment_due_interval`, see Retrieve credit product policy, payments.payment_due_interval. Allowable Values: 31
payments.billing_cycle_frequency string Conditionally returned	Frequency at which the account is billed. Allowable Values: `MONTHLY`
payments.payment_due_interval integer Conditionally returned	Specifies the payment due interval that is used to determine the payment due date for a billing cycle. A value of -1 indicates one day prior to the next billing cycle date. For consumer programs, a minimum gap of 21 days is required between when a statement is delivered and the payment due date. Allowable Values: -1 min Positive integers greater than 0; -1 is the default value
payments.billing_cycle_day_strategy string Conditionally returned	Determines if the billing cycle day is manually set or determined dynamically during account creation based on cycling logic. Allowable Values: `MANUAL`
payments.allocation_order array of strings Returned	Ordered list of balance types to which payments are allocated, from first to last. Allowable Values: `INTEREST`, `FEES`, `PRINCIPAL`
payments.min_payment_calculation object Returned	Contains information used to calculate the minimum payment amount on a credit product policy. Allowable Values: Existing `min_payment_calculation` object
payments.min_payment_calculation.include_past_due_amount boolean Returned	Whether to include the past due amount when calculating the minimum payment. Allowable Values: `true`, `false`
payments.min_payment_calculation.include_overlimit_amount boolean Returned	Whether to include the overlimit amount when calculating the minimum payment. Allowable Values: `true`, `false`
payments.min_payment_calculation.min_payment_flat_amount decimal Conditionally returned	Minimum payment, expressed as a flat amount, due on the payment due day. Allowable Values: Format: 0.00
payments.min_payment_calculation.min_payment_percentage object Conditionally returned	Contains information used to calculate the minimum payment amount when expressed as a percentage. Allowable Values: Existing `min_payment_percentage` object
payments.min_payment_calculation.min_payment_percentage.percentage_of_balance decimal Returned	Minimum payment, expressed as a percentage of the total statement balance, due on the payment due day. Allowable Values: 0.0001–100
payments.min_payment_calculation.min_payment_percentage.include_interest_charged boolean Returned	Whether to include the amount of interest charged when calculating the minimum payment. Allowable Values: `true`, `false`
payments.min_payment_calculation.min_payment_percentage.include_all_fees_charged boolean Conditionally returned	Whether to include all fees charged when calculating the minimum payment. Allowable Values: `true`, `false`
created_time datetime Conditionally returned	Date and time when the credit product policy was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
updated_time datetime Conditionally returned	Date and time when the credit product policy was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "token": "my_credit_product_policy_token_1234",
  "card_products": [
    {
      "token": "my_card_product_token1234",
      "level": "TRADITIONAL",
      "network": "VISA"
    }
  ],
  "name": "Gold Credit Product Policy",
  "description": "A gold credit product policy",
  "classification": "CONSUMER",
  "product_type": "REVOLVING",
  "product_sub_type": "CREDIT_CARD",
  "currency_code": "USD",
  "credit_line": {
    "min": 50,
    "max": 3500
  },
  "usage": [
    "PURCHASE"
  ],
  "interest_calculation": {
    "method": "AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS",
    "day_count": "ACTUAL",
    "interest_application": [
      "PRINCIPAL",
      "FEES"
    ],
    "minimum_interest": 1,
    "interest_on_grace_reactivation": "ACCRUE_PAYMENT_DATE",
    "grace_days_application": "NEXT_CYCLE_DATE",
    "exclude_tran_types": [
      "ANNUAL_FEE",
      "LATE_PAYMENT_FEE",
      "CASH_BACK_STATEMENT_CREDIT",
      "FOREIGN_TRANSACTION_FEE"
    ]
  },
  "payments": {
    "billing_cycle_day": 1,
    "allocation_order": [
      "INTEREST",
      "FEES",
      "PRINCIPAL"
    ],
    "min_payment_calculation": {
      "include_past_due_amount": false,
      "include_overlimit_amount": true,
      "min_payment_flat_amount": 20,
      "min_payment_percentage": {
        "percentage_of_balance": 1,
        "include_interest_charged": false,
        "include_fees_charged": [
          "LATE_PAYMENT_FEE",
          "FOREIGN_TRANSACTION_FEE"
        ]
      }
    }
  },
  "created_time": "2025-04-01T23:41:58.802Z",
  "updated_time": "2025-04-05T16:04:48.643Z"
}

List credit product policies

Action: GET
Endpoint: /credit/policies/products Retrieve an array of existing credit product policies. This endpoint supports sorting and pagination.

URL query parameters

Fields	Description
count integer Optional	Number of product policy resources to retrieve. Allowable Values: 1–100
start_index integer Optional	Sort order index of the first resource in the returned array. Allowable Values: 0 min
sort_by string Optional	Field on which to sort. Prefix the field name with a hyphen (`-`) to sort in descending order. Omit the hyphen to sort in ascending order. NOTE: You must sort using system field names such as `lastModifiedTime`, and not by the field names appearing in response bodies such as `last_modified_time`. Allowable Values: `lastModifiedTime`, `-lastModifiedTime`

Response body

Fields	Description
count integer Returned	Number of resources returned. Allowable Values: 1-10
start_index integer Returned	Sort order index of the first resource in the returned array. Allowable Values: Any integer
end_index integer Returned	Sort order index of the last resource in the returned array. Allowable Values: Any integer
is_more boolean Returned	A value of `true` indicates that more unreturned resources exist. Allowable Values: `true`, `false`
data array of objects Returned	One or more credit product policies. Allowable Values: One or more credit product policy objects
data[].token string Conditionally returned	Unique identifier of the credit product policy. Allowable Values: 36 char max
data[].card_products array of objects Conditionally returned	One or more card products associated with the credit product policy. Allowable Values: One or more `card_products` objects
data[].card_products[].token string Conditionally returned	Unique identifier of the card product. Allowable Values: 36 char max
data[].card_products[].level string Conditionally returned	Level of the card product. Allowable Values: `PREMIUM`, `TRADITIONAL`
data[].card_products[].network string Conditionally returned	Name of the card network. Allowable Values: `VISA`, `MASTERCARD`, `SANDBOX`
data[].name string Conditionally returned	Name of the credit product policy. Allowable Values: 1 char min
data[].description string Conditionally returned	Description of the credit product policy. Allowable Values: 255 char max
data[].classification string Conditionally returned	Specifies for whom the credit product is intended. - `CONSUMER` - The credit product is intended for individual consumers. - `SMALL_AND_MEDIUM_BUSINESS` - The credit product is intended for small and medium business. Allowable Values: `CONSUMER`, `SMALL_AND_MEDIUM_BUSINESS`
data[].product_type string Conditionally returned	Type of credit product. `REVOLVING` - Allows users to continuously borrow and pay debts up to the credit limit. Allowable Values: `REVOLVING`
data[].product_sub_type string Conditionally returned	Subtype of the credit product type. - `CREDIT_CARD` - Card that enables the cardholder to make purchases on credit. - `SECURED_CARD` - Card backed by a user-funded deposit that enables the cardholder to make purchases on credit. Allowable Values: `CREDIT_CARD`, `SECURED_CARD`
data[].currency_code string Conditionally returned	Valid three-digit ISO 4217 currency code. Allowable Values: `USD`
data[].credit_line object Conditionally returned	Contains information on the credit line range. Allowable Values: Existing `credit_line` object
data[].credit_line.min decimal Returned	Minimum credit limit. Allowable Values: 0–999999999999.99
data[].credit_line.max decimal Returned	Maximum credit limit. Allowable Values: 0–999999999999.99
data[].usage array of strings Conditionally returned	One or more usage types for the credit product policy. Allowable Values: `PURCHASE` Valid `usage` array
data[].interest_calculation object Conditionally returned	Contains the configurations for interest calculation. Allowable Values: Existing `interest_calculation` object
data[].interest_calculation.method string Returned	Method of interest calculation. Allowable Values: `AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS`
data[].interest_calculation.day_count string Returned	Day-count convention. Allowable Values: `ACTUAL`
data[].interest_calculation.interest_application array of strings Returned	One or more balance types on which interest is applied. Allowable Values: `PRINCIPAL`, `FEES`, `INTEREST`
data[].interest_calculation.minimum_interest decimal Returned	When interest is applied, this value determines the minimum amount of interest that can be charged. Allowable Values: 0–999999999999.99
data[].interest_calculation.interest_on_grace_reactivation string Returned	Determines whether to charge or waive interest for the billing period when the balance is paid off. Allowable Values: `ACCRUE_FULL_CYCLE`, `ACCRUE_PAYMENT_DATE`, `WAIVE`
data[].interest_calculation.grace_days_application string Returned	Determines the last day of grace period based on which interest charges are calculated. Allowable Values: `NEXT_CYCLE_DATE`
data[].interest_calculation.exclude_tran_types array of strings Conditionally returned	One or more transactions that are excluded from current billing period’s interest charge, but included in next. Allowable Values: `LATE_PAYMENT_FEE`, `ANNUAL_FEE`, `MONTHLY_FEE`, `CASH_BACK_STATEMENT_CREDIT`, `RETURNED_PAYMENT_FEE`, `FOREIGN_TRANSACTION_FEE`
data[].payments object Conditionally returned	Contains the configurations for billing cycle day, payment due day, and fees. Allowable Values: Existing `payments` object
data[].payments.billing_cycle_day integer Returned	Day of the month when the billing cycle starts. Allowable Values: 1–28
data[].payments.due_day integer Conditionally returned	Day of month the payment for the previous billing cycle is due. This field is being deprecated and replaced by `payment_due_interval` of a product policy. To retrieve `payment_due_interval`, see Retrieve credit product policy, payments.payment_due_interval. Allowable Values: 31
data[].payments.billing_cycle_frequency string Conditionally returned	Frequency at which the account is billed. Allowable Values: `MONTHLY`
data[].payments.payment_due_interval integer Conditionally returned	Specifies the payment due interval that is used to determine the payment due date for a billing cycle. A value of -1 indicates one day prior to the next billing cycle date. For consumer programs, a minimum gap of 21 days is required between when a statement is delivered and the payment due date. Allowable Values: -1 min Positive integers greater than 0; -1 is the default value
data[].payments.billing_cycle_day_strategy string Conditionally returned	Determines if the billing cycle day is manually set or determined dynamically during account creation based on cycling logic. Allowable Values: `MANUAL`
data[].payments.allocation_order array of strings Returned	Ordered list of balance types to which payments are allocated, from first to last. Allowable Values: `INTEREST`, `FEES`, `PRINCIPAL`
data[].payments.min_payment_calculation object Returned	Contains information used to calculate the minimum payment amount on a credit product policy. Allowable Values: Existing `min_payment_calculation` object
data[].payments.min_payment_calculation.include_past_due_amount boolean Returned	Whether to include the past due amount when calculating the minimum payment. Allowable Values: `true`, `false`
data[].payments.min_payment_calculation.include_overlimit_amount boolean Returned	Whether to include the overlimit amount when calculating the minimum payment. Allowable Values: `true`, `false`
data[].payments.min_payment_calculation.min_payment_flat_amount decimal Conditionally returned	Minimum payment, expressed as a flat amount, due on the payment due day. Allowable Values: Format: 0.00
data[].payments.min_payment_calculation.min_payment_percentage object Conditionally returned	Contains information used to calculate the minimum payment amount when expressed as a percentage. Allowable Values: Existing `min_payment_percentage` object
data[].payments.min_payment_calculation.min_payment_percentage.percentage_of_balance decimal Returned	Minimum payment, expressed as a percentage of the total statement balance, due on the payment due day. Allowable Values: 0.0001–100
data[].payments.min_payment_calculation.min_payment_percentage.include_interest_charged boolean Returned	Whether to include the amount of interest charged when calculating the minimum payment. Allowable Values: `true`, `false`
data[].payments.min_payment_calculation.min_payment_percentage.include_all_fees_charged boolean Conditionally returned	Whether to include all fees charged when calculating the minimum payment. Allowable Values: `true`, `false`
data[].created_time datetime Conditionally returned	Date and time when the credit product policy was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
data[].updated_time datetime Conditionally returned	Date and time when the credit product policy was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "count": 2,
  "start_index": 0,
  "end_index": 2,
  "is_more": true,
  "data": [
    {
      "token": "my_credit_product_policy_token_1234",
      "card_products": [
        {
          "token": "my_card_product_token1234",
          "level": "TRADITIONAL",
          "network": "VISA"
        }
      ],
      "name": "Gold Credit Product Policy",
      "description": "A gold credit product policy",
      "classification": "CONSUMER",
      "product_type": "REVOLVING",
      "product_sub_type": "CREDIT_CARD",
      "currency_code": "USD",
      "credit_line": {
        "min": 50,
        "max": 3500
      },
      "usage": [
        "PURCHASE"
      ],
      "interest_calculation": {
        "method": "AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS",
        "day_count": "ACTUAL",
        "interest_application": [
          "PRINCIPAL",
          "FEES"
        ],
        "minimum_interest": 1,
        "interest_on_grace_reactivation": "ACCRUE_PAYMENT_DATE",
        "grace_days_application": "NEXT_CYCLE_DATE",
        "exclude_tran_types": [
          "ANNUAL_FEE",
          "LATE_PAYMENT_FEE",
          "CASH_BACK_STATEMENT_CREDIT",
          "FOREIGN_TRANSACTION_FEE"
        ]
      },
      "payments": {
        "billing_cycle_day": 1,
        "allocation_order": [
          "INTEREST",
          "FEES",
          "PRINCIPAL"
        ],
        "min_payment_calculation": {
          "include_past_due_amount": false,
          "include_overlimit_amount": true,
          "min_payment_flat_amount": 20,
          "min_payment_percentage": {
            "percentage_of_balance": 1,
            "include_interest_charged": false,
            "include_fees_charged": [
              "LATE_PAYMENT_FEE",
              "FOREIGN_TRANSACTION_FEE"
            ]
          }
        }
      },
      "created_time": "2025-04-01T23:41:58.802Z",
      "updated_time": "2025-04-05T16:04:48.643Z"
    },
    {
      "token": "my_credit_product_policy_token_4321",
      "card_products": [
        {
          "token": "my_card_product_token4321",
          "level": "TRADITIONAL",
          "network": "VISA"
        }
      ],
      "name": "Silver Credit Product Policy",
      "description": "A silver credit product policy",
      "classification": "CONSUMER",
      "product_type": "REVOLVING",
      "product_sub_type": "CREDIT_CARD",
      "currency_code": "USD",
      "credit_line": {
        "min": 50,
        "max": 3100
      },
      "usage": [
        "PURCHASE"
      ],
      "interest_calculation": {
        "method": "AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS",
        "day_count": "ACTUAL",
        "interest_application": [
          "PRINCIPAL",
          "FEES"
        ],
        "minimum_interest": 1,
        "interest_on_grace_reactivation": "ACCRUE_PAYMENT_DATE",
        "grace_days_application": "NEXT_CYCLE_DATE",
        "exclude_tran_types": [
          "ANNUAL_FEE",
          "LATE_PAYMENT_FEE",
          "CASH_BACK_STATEMENT_CREDIT",
          "FOREIGN_TRANSACTION_FEE"
        ]
      },
      "payments": {
        "billing_cycle_day": 1,
        "allocation_order": [
          "INTEREST",
          "FEES",
          "PRINCIPAL"
        ],
        "min_payment_calculation": {
          "include_past_due_amount": false,
          "include_overlimit_amount": true,
          "min_payment_flat_amount": 20,
          "min_payment_percentage": {
            "percentage_of_balance": 1,
            "include_interest_charged": false,
            "include_fees_charged": [
              "LATE_PAYMENT_FEE",
              "FOREIGN_TRANSACTION_FEE"
            ]
          }
        }
      },
      "created_time": "2025-04-01T23:41:58.802Z",
      "updated_time": "2025-04-05T16:04:48.643Z"
    }
  ]
}

Retrieve credit product policy

Action: GET
Endpoint: /credit/policies/products/{token} Retrieve a specific credit product policy.

URL path parameters

Fields	Description
token string Required	Unique identifier of the credit product policy to retrieve. Send a `GET` request to `/policies/products` to retrieve existing credit product policy tokens. Allowable Values: Existing credit product policy token

Response body

Fields	Description
token string Conditionally returned	Unique identifier of the credit product policy. Allowable Values: 36 char max
card_products array of objects Conditionally returned	One or more card products associated with the credit product policy. Allowable Values: One or more `card_products` objects
card_products[].token string Conditionally returned	Unique identifier of the card product. Allowable Values: 36 char max
card_products[].level string Conditionally returned	Level of the card product. Allowable Values: `PREMIUM`, `TRADITIONAL`
card_products[].network string Conditionally returned	Name of the card network. Allowable Values: `VISA`, `MASTERCARD`, `SANDBOX`
name string Conditionally returned	Name of the credit product policy. Allowable Values: 1 char min
description string Conditionally returned	Description of the credit product policy. Allowable Values: 255 char max
classification string Conditionally returned	Specifies for whom the credit product is intended. - `CONSUMER` - The credit product is intended for individual consumers. - `SMALL_AND_MEDIUM_BUSINESS` - The credit product is intended for small and medium business. Allowable Values: `CONSUMER`, `SMALL_AND_MEDIUM_BUSINESS`
product_type string Conditionally returned	Type of credit product. `REVOLVING` - Allows users to continuously borrow and pay debts up to the credit limit. Allowable Values: `REVOLVING`
product_sub_type string Conditionally returned	Subtype of the credit product type. - `CREDIT_CARD` - Card that enables the cardholder to make purchases on credit. - `SECURED_CARD` - Card backed by a user-funded deposit that enables the cardholder to make purchases on credit. Allowable Values: `CREDIT_CARD`, `SECURED_CARD`
currency_code string Conditionally returned	Valid three-digit ISO 4217 currency code. Allowable Values: `USD`
credit_line object Conditionally returned	Contains information on the credit line range. Allowable Values: Existing `credit_line` object
credit_line.min decimal Returned	Minimum credit limit. Allowable Values: 0–999999999999.99
credit_line.max decimal Returned	Maximum credit limit. Allowable Values: 0–999999999999.99
usage array of strings Conditionally returned	One or more usage types for the credit product policy. Allowable Values: `PURCHASE` Valid `usage` array
interest_calculation object Conditionally returned	Contains the configurations for interest calculation. Allowable Values: Existing `interest_calculation` object
interest_calculation.method string Returned	Method of interest calculation. Allowable Values: `AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS`
interest_calculation.day_count string Returned	Day-count convention. Allowable Values: `ACTUAL`
interest_calculation.interest_application array of strings Returned	One or more balance types on which interest is applied. Allowable Values: `PRINCIPAL`, `FEES`, `INTEREST`
interest_calculation.minimum_interest decimal Returned	When interest is applied, this value determines the minimum amount of interest that can be charged. Allowable Values: 0–999999999999.99
interest_calculation.interest_on_grace_reactivation string Returned	Determines whether to charge or waive interest for the billing period when the balance is paid off. Allowable Values: `ACCRUE_FULL_CYCLE`, `ACCRUE_PAYMENT_DATE`, `WAIVE`
interest_calculation.grace_days_application string Returned	Determines the last day of grace period based on which interest charges are calculated. Allowable Values: `NEXT_CYCLE_DATE`
interest_calculation.exclude_tran_types array of strings Conditionally returned	One or more transactions that are excluded from current billing period’s interest charge, but included in next. Allowable Values: `LATE_PAYMENT_FEE`, `ANNUAL_FEE`, `MONTHLY_FEE`, `CASH_BACK_STATEMENT_CREDIT`, `RETURNED_PAYMENT_FEE`, `FOREIGN_TRANSACTION_FEE`
payments object Conditionally returned	Contains the configurations for billing cycle day, payment due day, and fees. Allowable Values: Existing `payments` object
payments.billing_cycle_day integer Returned	Day of the month when the billing cycle starts. Allowable Values: 1–28
payments.due_day integer Conditionally returned	Day of month the payment for the previous billing cycle is due. This field is being deprecated and replaced by `payment_due_interval` of a product policy. To retrieve `payment_due_interval`, see Retrieve credit product policy, payments.payment_due_interval. Allowable Values: 31
payments.billing_cycle_frequency string Conditionally returned	Frequency at which the account is billed. Allowable Values: `MONTHLY`
payments.payment_due_interval integer Conditionally returned	Specifies the payment due interval that is used to determine the payment due date for a billing cycle. A value of -1 indicates one day prior to the next billing cycle date. For consumer programs, a minimum gap of 21 days is required between when a statement is delivered and the payment due date. Allowable Values: -1 min Positive integers greater than 0; -1 is the default value
payments.billing_cycle_day_strategy string Conditionally returned	Determines if the billing cycle day is manually set or determined dynamically during account creation based on cycling logic. Allowable Values: `MANUAL`
payments.allocation_order array of strings Returned	Ordered list of balance types to which payments are allocated, from first to last. Allowable Values: `INTEREST`, `FEES`, `PRINCIPAL`
payments.min_payment_calculation object Returned	Contains information used to calculate the minimum payment amount on a credit product policy. Allowable Values: Existing `min_payment_calculation` object
payments.min_payment_calculation.include_past_due_amount boolean Returned	Whether to include the past due amount when calculating the minimum payment. Allowable Values: `true`, `false`
payments.min_payment_calculation.include_overlimit_amount boolean Returned	Whether to include the overlimit amount when calculating the minimum payment. Allowable Values: `true`, `false`
payments.min_payment_calculation.min_payment_flat_amount decimal Conditionally returned	Minimum payment, expressed as a flat amount, due on the payment due day. Allowable Values: Format: 0.00
payments.min_payment_calculation.min_payment_percentage object Conditionally returned	Contains information used to calculate the minimum payment amount when expressed as a percentage. Allowable Values: Existing `min_payment_percentage` object
payments.min_payment_calculation.min_payment_percentage.percentage_of_balance decimal Returned	Minimum payment, expressed as a percentage of the total statement balance, due on the payment due day. Allowable Values: 0.0001–100
payments.min_payment_calculation.min_payment_percentage.include_interest_charged boolean Returned	Whether to include the amount of interest charged when calculating the minimum payment. Allowable Values: `true`, `false`
payments.min_payment_calculation.min_payment_percentage.include_all_fees_charged boolean Conditionally returned	Whether to include all fees charged when calculating the minimum payment. Allowable Values: `true`, `false`
created_time datetime Conditionally returned	Date and time when the credit product policy was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
updated_time datetime Conditionally returned	Date and time when the credit product policy was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "token": "my_credit_product_policy_token_1234",
  "card_products": [
    {
      "token": "my_card_product_token1234",
      "level": "TRADITIONAL",
      "network": "VISA"
    }
  ],
  "name": "Gold Credit Product Policy",
  "description": "A gold credit product policy",
  "classification": "CONSUMER",
  "product_type": "REVOLVING",
  "product_sub_type": "CREDIT_CARD",
  "currency_code": "USD",
  "credit_line": {
    "min": 50,
    "max": 3500
  },
  "usage": [
    "PURCHASE"
  ],
  "interest_calculation": {
    "method": "AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS",
    "day_count": "ACTUAL",
    "interest_application": [
      "PRINCIPAL",
      "FEES"
    ],
    "minimum_interest": 1,
    "interest_on_grace_reactivation": "ACCRUE_PAYMENT_DATE",
    "grace_days_application": "NEXT_CYCLE_DATE",
    "exclude_tran_types": [
      "ANNUAL_FEE",
      "LATE_PAYMENT_FEE",
      "CASH_BACK_STATEMENT_CREDIT",
      "FOREIGN_TRANSACTION_FEE"
    ]
  },
  "payments": {
    "due_day": 31,
    "billing_cycle_day": 1,
    "allocation_order": [
      "INTEREST",
      "FEES",
      "PRINCIPAL"
    ],
    "min_payment_calculation": {
      "include_past_due_amount": false,
      "include_overlimit_amount": true,
      "min_payment_flat_amount": 20,
      "min_payment_percentage": {
        "percentage_of_balance": 1,
        "include_interest_charged": false,
        "include_fees_charged": [
          "LATE_PAYMENT_FEE",
          "FOREIGN_TRANSACTION_FEE"
        ]
      }
    }
  },
  "created_time": "2025-04-01T23:41:58.802Z",
  "updated_time": "2025-04-05T16:04:48.643Z"
}

Update credit product policy

Action: PUT
Endpoint: /credit/policies/products/{token} Update a specific credit product policy.

URL path parameters

Fields	Description
token string Required	Unique identifier of the credit product policy to retrieve. Send a `GET` request to `/policies/products` to retrieve existing credit product policy tokens. Allowable Values: Existing credit product policy token

Request body

Fields	Description
card_products array of objects Required	One or more card products associated with the credit product policy. Allowable Values: One or more `card_products` objects
card_products[].token string Required	Unique identifier of the card product. Allowable Values: 36 char max
card_products[].level string Required	Level of the card product. Allowable Values: `PREMIUM`, `TRADITIONAL`
name string Required	Name of the credit product policy. Allowable Values: 1 char min
description string Optional	Description of the credit product policy. Allowable Values: 255 char max
classification string Required	Specifies for whom the credit product is intended. - `CONSUMER` - The credit product is intended for individual consumers. - `SMALL_AND_MEDIUM_BUSINESS` - The credit product is intended for small and medium business. Allowable Values: `CONSUMER`, `SMALL_AND_MEDIUM_BUSINESS`
product_type string Required	Type of credit product. `REVOLVING` - Allows users to continuously borrow and pay debts up to the credit limit. Allowable Values: `REVOLVING`
product_sub_type string Required	Subtype of the credit product type. - `CREDIT_CARD` - Card that enables the cardholder to make purchases on credit. - `SECURED_CARD` - Card backed by a user-funded deposit that enables the cardholder to make purchases on credit. Allowable Values: `CREDIT_CARD`, `SECURED_CARD`
currency_code string Required	Valid three-digit ISO 4217 currency code. Allowable Values: `USD`
credit_line object Required	Contains information on the credit line range. Allowable Values: Existing `credit_line` object
credit_line.min decimal Required	Minimum credit limit. Allowable Values: 0–999999999999.99
credit_line.max decimal Required	Maximum credit limit. Allowable Values: 0–999999999999.99
usage array of strings Required	One or more usage types for the credit product policy. Allowable Values: `PURCHASE`
interest_calculation object Required	Contains the configurations for interest calculation. Allowable Values: Existing `interest_calculation` object
interest_calculation.method string Required	Method of interest calculation. Allowable Values: `AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS`
interest_calculation.day_count string Required	Day-count convention. Allowable Values: `ACTUAL`
interest_calculation.interest_application array of strings Required	One or more balance types on which interest is applied. Allowable Values: `PRINCIPAL`, `FEES`, `INTEREST`
interest_calculation.minimum_interest decimal Required	When interest is applied, this value determines the minimum amount of interest that can be charged. Allowable Values: 0–999999999999.99
interest_calculation.interest_on_grace_reactivation string Required	Determines whether to charge or waive interest for the billing period when the balance is paid off. Allowable Values: `ACCRUE_FULL_CYCLE`, `ACCRUE_PAYMENT_DATE`, `WAIVE`
interest_calculation.grace_days_application string Required	Determines the last day of grace period based on which interest charges are calculated. Allowable Values: `NEXT_CYCLE_DATE`
interest_calculation.exclude_tran_types array of strings Optional	One or more transactions that are excluded from current billing period’s interest charge, but included in next. Allowable Values: `LATE_PAYMENT_FEE`, `ANNUAL_FEE`, `MONTHLY_FEE`, `CASH_BACK_STATEMENT_CREDIT`, `RETURNED_PAYMENT_FEE`, `FOREIGN_TRANSACTION_FEE`
payments object Required	Contains the configurations for billing cycle day, payment due day, and fees. Allowable Values: Existing `payments` object
payments.billing_cycle_day integer Required	Day of the month when the billing cycle starts. Allowable Values: 1–28
payments.due_day integer Optional	Day of month the payment for the previous billing cycle is due. This field is being deprecated and replaced by `payment_due_interval` of a product policy. To retrieve `payment_due_interval`, see Retrieve credit product policy, payments.payment_due_interval. Allowable Values: 31
payments.billing_cycle_frequency string Optional	Frequency at which the account is billed. Allowable Values: `MONTHLY`
payments.payment_due_interval integer Optional	Specifies the payment due interval that is used to determine the payment due date for a billing cycle. A value of -1 indicates one day prior to the next billing cycle date. For consumer programs, a minimum gap of 21 days is required between when a statement is delivered and the payment due date. Allowable Values: -1 min Positive integers greater than 0; -1 is the default value
payments.billing_cycle_day_strategy string Optional	Determines if the billing cycle day is manually set or determined dynamically during account creation based on cycling logic. Allowable Values: `MANUAL`
payments.allocation_order array of strings Required	Ordered list of balance types to which payments are allocated, from first to last. Allowable Values: `INTEREST`, `FEES`, `PRINCIPAL`
payments.min_payment_calculation object Required	Contains information used to calculate the minimum payment amount on a credit product policy. Allowable Values: Existing `min_payment_calculation` object
payments.min_payment_calculation.include_past_due_amount boolean Required	Whether to include the past due amount when calculating the minimum payment. Allowable Values: `true`, `false`
payments.min_payment_calculation.include_overlimit_amount boolean Required	Whether to include the overlimit amount when calculating the minimum payment. Allowable Values: `true`, `false`
payments.min_payment_calculation.min_payment_flat_amount decimal Optional	Minimum payment, expressed as a flat amount, due on the payment due day. Allowable Values: Format: 0.00
payments.min_payment_calculation.min_payment_percentage object Optional	Contains information used to calculate the minimum payment amount when expressed as a percentage. Allowable Values: Existing `min_payment_percentage` object
payments.min_payment_calculation.min_payment_percentage.percentage_of_balance decimal Required	Minimum payment, expressed as a percentage of the total statement balance, due on the payment due day. Allowable Values: 0.0001–100
payments.min_payment_calculation.min_payment_percentage.include_interest_charged boolean Required	Whether to include the amount of interest charged when calculating the minimum payment. Allowable Values: `true`, `false`
payments.min_payment_calculation.min_payment_percentage.include_all_fees_charged boolean Optional	Whether to include all fees charged when calculating the minimum payment. Allowable Values: `true`, `false`

Sample request body

JSON

{
  "token": "my_credit_product_policy_token_1234",
  "card_products": [
    {
      "token": "my_card_product_token1234",
      "level": "TRADITIONAL",
      "network": "VISA"
    }
  ],
  "name": "Renamed Credit Product Policy",
  "description": "Description of the renamed credit product policy",
  "classification": "CONSUMER",
  "product_type": "REVOLVING",
  "product_sub_type": "CREDIT_CARD",
  "currency_code": "USD",
  "credit_line": {
    "min": 50,
    "max": 3500
  },
  "usage": [
    "PURCHASE"
  ],
  "interest_calculation": {
    "method": "AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS",
    "day_count": "ACTUAL",
    "interest_application": [
      "PRINCIPAL",
      "FEES"
    ],
    "minimum_interest": 1,
    "interest_on_grace_reactivation": "ACCRUE_PAYMENT_DATE",
    "grace_days_application": "NEXT_CYCLE_DATE",
    "exclude_tran_types": [
      "ANNUAL_FEE",
      "LATE_PAYMENT_FEE",
      "CASH_BACK_STATEMENT_CREDIT",
      "FOREIGN_TRANSACTION_FEE"
    ]
  },
  "payments": {
    "due_day": 31,
    "billing_cycle_day": 1,
    "allocation_order": [
      "INTEREST",
      "FEES",
      "PRINCIPAL"
    ],
    "min_payment_calculation": {
      "include_past_due_amount": false,
      "include_overlimit_amount": true,
      "min_payment_flat_amount": 20,
      "min_payment_percentage": {
        "percentage_of_balance": 1,
        "include_interest_charged": false,
        "include_fees_charged": [
          "LATE_PAYMENT_FEE",
          "FOREIGN_TRANSACTION_FEE"
        ]
      }
    }
  }
}

Response body

Fields	Description
token string Conditionally returned	Unique identifier of the credit product policy. Allowable Values: 36 char max
card_products array of objects Conditionally returned	One or more card products associated with the credit product policy. Allowable Values: One or more `card_products` objects
card_products[].token string Conditionally returned	Unique identifier of the card product. Allowable Values: 36 char max
card_products[].level string Conditionally returned	Level of the card product. Allowable Values: `PREMIUM`, `TRADITIONAL`
card_products[].network string Conditionally returned	Name of the card network. Allowable Values: `VISA`, `MASTERCARD`, `SANDBOX`
name string Conditionally returned	Name of the credit product policy. Allowable Values: 1 char min
description string Conditionally returned	Description of the credit product policy. Allowable Values: 255 char max
classification string Conditionally returned	Specifies for whom the credit product is intended. - `CONSUMER` - The credit product is intended for individual consumers. - `SMALL_AND_MEDIUM_BUSINESS` - The credit product is intended for small and medium business. Allowable Values: `CONSUMER`, `SMALL_AND_MEDIUM_BUSINESS`
product_type string Conditionally returned	Type of credit product. `REVOLVING` - Allows users to continuously borrow and pay debts up to the credit limit. Allowable Values: `REVOLVING`
product_sub_type string Conditionally returned	Subtype of the credit product type. - `CREDIT_CARD` - Card that enables the cardholder to make purchases on credit. - `SECURED_CARD` - Card backed by a user-funded deposit that enables the cardholder to make purchases on credit. Allowable Values: `CREDIT_CARD`, `SECURED_CARD`
currency_code string Conditionally returned	Valid three-digit ISO 4217 currency code. Allowable Values: `USD`
credit_line object Conditionally returned	Contains information on the credit line range. Allowable Values: Existing `credit_line` object
credit_line.min decimal Returned	Minimum credit limit. Allowable Values: 0–999999999999.99
credit_line.max decimal Returned	Maximum credit limit. Allowable Values: 0–999999999999.99
usage array of strings Conditionally returned	One or more usage types for the credit product policy. Allowable Values: `PURCHASE` Valid `usage` array
interest_calculation object Conditionally returned	Contains the configurations for interest calculation. Allowable Values: Existing `interest_calculation` object
interest_calculation.method string Returned	Method of interest calculation. Allowable Values: `AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS`
interest_calculation.day_count string Returned	Day-count convention. Allowable Values: `ACTUAL`
interest_calculation.interest_application array of strings Returned	One or more balance types on which interest is applied. Allowable Values: `PRINCIPAL`, `FEES`, `INTEREST`
interest_calculation.minimum_interest decimal Returned	When interest is applied, this value determines the minimum amount of interest that can be charged. Allowable Values: 0–999999999999.99
interest_calculation.interest_on_grace_reactivation string Returned	Determines whether to charge or waive interest for the billing period when the balance is paid off. Allowable Values: `ACCRUE_FULL_CYCLE`, `ACCRUE_PAYMENT_DATE`, `WAIVE`
interest_calculation.grace_days_application string Returned	Determines the last day of grace period based on which interest charges are calculated. Allowable Values: `NEXT_CYCLE_DATE`
interest_calculation.exclude_tran_types array of strings Conditionally returned	One or more transactions that are excluded from current billing period’s interest charge, but included in next. Allowable Values: `LATE_PAYMENT_FEE`, `ANNUAL_FEE`, `MONTHLY_FEE`, `CASH_BACK_STATEMENT_CREDIT`, `RETURNED_PAYMENT_FEE`, `FOREIGN_TRANSACTION_FEE`
payments object Conditionally returned	Contains the configurations for billing cycle day, payment due day, and fees. Allowable Values: Existing `payments` object
payments.billing_cycle_day integer Returned	Day of the month when the billing cycle starts. Allowable Values: 1–28
payments.due_day integer Conditionally returned	Day of month the payment for the previous billing cycle is due. This field is being deprecated and replaced by `payment_due_interval` of a product policy. To retrieve `payment_due_interval`, see Retrieve credit product policy, payments.payment_due_interval. Allowable Values: 31
payments.billing_cycle_frequency string Conditionally returned	Frequency at which the account is billed. Allowable Values: `MONTHLY`
payments.payment_due_interval integer Conditionally returned	Specifies the payment due interval that is used to determine the payment due date for a billing cycle. A value of -1 indicates one day prior to the next billing cycle date. For consumer programs, a minimum gap of 21 days is required between when a statement is delivered and the payment due date. Allowable Values: -1 min Positive integers greater than 0; -1 is the default value
payments.billing_cycle_day_strategy string Conditionally returned	Determines if the billing cycle day is manually set or determined dynamically during account creation based on cycling logic. Allowable Values: `MANUAL`
payments.allocation_order array of strings Returned	Ordered list of balance types to which payments are allocated, from first to last. Allowable Values: `INTEREST`, `FEES`, `PRINCIPAL`
payments.min_payment_calculation object Returned	Contains information used to calculate the minimum payment amount on a credit product policy. Allowable Values: Existing `min_payment_calculation` object
payments.min_payment_calculation.include_past_due_amount boolean Returned	Whether to include the past due amount when calculating the minimum payment. Allowable Values: `true`, `false`
payments.min_payment_calculation.include_overlimit_amount boolean Returned	Whether to include the overlimit amount when calculating the minimum payment. Allowable Values: `true`, `false`
payments.min_payment_calculation.min_payment_flat_amount decimal Conditionally returned	Minimum payment, expressed as a flat amount, due on the payment due day. Allowable Values: Format: 0.00
payments.min_payment_calculation.min_payment_percentage object Conditionally returned	Contains information used to calculate the minimum payment amount when expressed as a percentage. Allowable Values: Existing `min_payment_percentage` object
payments.min_payment_calculation.min_payment_percentage.percentage_of_balance decimal Returned	Minimum payment, expressed as a percentage of the total statement balance, due on the payment due day. Allowable Values: 0.0001–100
payments.min_payment_calculation.min_payment_percentage.include_interest_charged boolean Returned	Whether to include the amount of interest charged when calculating the minimum payment. Allowable Values: `true`, `false`
payments.min_payment_calculation.min_payment_percentage.include_all_fees_charged boolean Conditionally returned	Whether to include all fees charged when calculating the minimum payment. Allowable Values: `true`, `false`
created_time datetime Conditionally returned	Date and time when the credit product policy was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
updated_time datetime Conditionally returned	Date and time when the credit product policy was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "token": "my_credit_product_policy_token_1234",
  "card_products": [
    {
      "token": "my_card_product_token1234",
      "level": "TRADITIONAL",
      "network": "VISA"
    }
  ],
  "name": "Renamed Credit Product Policy",
  "description": "Description of the renamed credit product policy",
  "classification": "CONSUMER",
  "product_type": "REVOLVING",
  "product_sub_type": "CREDIT_CARD",
  "currency_code": "USD",
  "credit_line": {
    "min": 50,
    "max": 3500
  },
  "usage": [
    "PURCHASE"
  ],
  "interest_calculation": {
    "method": "AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS",
    "day_count": "ACTUAL",
    "interest_application": [
      "PRINCIPAL",
      "FEES"
    ],
    "minimum_interest": 1,
    "interest_on_grace_reactivation": "ACCRUE_PAYMENT_DATE",
    "grace_days_application": "NEXT_CYCLE_DATE",
    "exclude_tran_types": [
      "ANNUAL_FEE",
      "LATE_PAYMENT_FEE",
      "CASH_BACK_STATEMENT_CREDIT",
      "FOREIGN_TRANSACTION_FEE"
    ]
  },
  "payments": {
    "due_day": 31,
    "billing_cycle_day": 1,
    "allocation_order": [
      "INTEREST",
      "FEES",
      "PRINCIPAL"
    ],
    "min_payment_calculation": {
      "include_past_due_amount": false,
      "include_overlimit_amount": true,
      "min_payment_flat_amount": 20,
      "min_payment_percentage": {
        "percentage_of_balance": 1,
        "include_interest_charged": false,
        "include_fees_charged": [
          "LATE_PAYMENT_FEE",
          "FOREIGN_TRANSACTION_FEE"
        ]
      }
    }
  },
  "created_time": "2025-04-01T23:41:58.802Z",
  "updated_time": "2025-04-05T16:04:48.643Z"
}

Clone credit product policy

Action: POST
Endpoint: /credit/policies/products/{token}/clone Create a new credit product policy based on an existing credit product policy.

URL path parameters

Fields	Description
token string Required	Unique identifier of the credit product policy to clone. Send a `GET` request to `/policies/products` to retrieve existing credit product policy tokens. Allowable Values: Existing credit product policy token

Response body

Fields	Description
token string Conditionally returned	Unique identifier of the credit product policy. Allowable Values: 36 char max
card_products array of objects Conditionally returned	One or more card products associated with the credit product policy. Allowable Values: One or more `card_products` objects
card_products[].token string Conditionally returned	Unique identifier of the card product. Allowable Values: 36 char max
card_products[].level string Conditionally returned	Level of the card product. Allowable Values: `PREMIUM`, `TRADITIONAL`
card_products[].network string Conditionally returned	Name of the card network. Allowable Values: `VISA`, `MASTERCARD`, `SANDBOX`
name string Conditionally returned	Name of the credit product policy. Allowable Values: 1 char min
description string Conditionally returned	Description of the credit product policy. Allowable Values: 255 char max
classification string Conditionally returned	Specifies for whom the credit product is intended. - `CONSUMER` - The credit product is intended for individual consumers. - `SMALL_AND_MEDIUM_BUSINESS` - The credit product is intended for small and medium business. Allowable Values: `CONSUMER`, `SMALL_AND_MEDIUM_BUSINESS`
product_type string Conditionally returned	Type of credit product. `REVOLVING` - Allows users to continuously borrow and pay debts up to the credit limit. Allowable Values: `REVOLVING`
product_sub_type string Conditionally returned	Subtype of the credit product type. - `CREDIT_CARD` - Card that enables the cardholder to make purchases on credit. - `SECURED_CARD` - Card backed by a user-funded deposit that enables the cardholder to make purchases on credit. Allowable Values: `CREDIT_CARD`, `SECURED_CARD`
currency_code string Conditionally returned	Valid three-digit ISO 4217 currency code. Allowable Values: `USD`
credit_line object Conditionally returned	Contains information on the credit line range. Allowable Values: Existing `credit_line` object
credit_line.min decimal Returned	Minimum credit limit. Allowable Values: 0–999999999999.99
credit_line.max decimal Returned	Maximum credit limit. Allowable Values: 0–999999999999.99
usage array of strings Conditionally returned	One or more usage types for the credit product policy. Allowable Values: `PURCHASE` Valid `usage` array
interest_calculation object Conditionally returned	Contains the configurations for interest calculation. Allowable Values: Existing `interest_calculation` object
interest_calculation.method string Returned	Method of interest calculation. Allowable Values: `AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS`
interest_calculation.day_count string Returned	Day-count convention. Allowable Values: `ACTUAL`
interest_calculation.interest_application array of strings Returned	One or more balance types on which interest is applied. Allowable Values: `PRINCIPAL`, `FEES`, `INTEREST`
interest_calculation.minimum_interest decimal Returned	When interest is applied, this value determines the minimum amount of interest that can be charged. Allowable Values: 0–999999999999.99
interest_calculation.interest_on_grace_reactivation string Returned	Determines whether to charge or waive interest for the billing period when the balance is paid off. Allowable Values: `ACCRUE_FULL_CYCLE`, `ACCRUE_PAYMENT_DATE`, `WAIVE`
interest_calculation.grace_days_application string Returned	Determines the last day of grace period based on which interest charges are calculated. Allowable Values: `NEXT_CYCLE_DATE`
interest_calculation.exclude_tran_types array of strings Conditionally returned	One or more transactions that are excluded from current billing period’s interest charge, but included in next. Allowable Values: `LATE_PAYMENT_FEE`, `ANNUAL_FEE`, `MONTHLY_FEE`, `CASH_BACK_STATEMENT_CREDIT`, `RETURNED_PAYMENT_FEE`, `FOREIGN_TRANSACTION_FEE`
payments object Conditionally returned	Contains the configurations for billing cycle day, payment due day, and fees. Allowable Values: Existing `payments` object
payments.billing_cycle_day integer Returned	Day of the month when the billing cycle starts. Allowable Values: 1–28
payments.due_day integer Conditionally returned	Day of month the payment for the previous billing cycle is due. This field is being deprecated and replaced by `payment_due_interval` of a product policy. To retrieve `payment_due_interval`, see Retrieve credit product policy, payments.payment_due_interval. Allowable Values: 31
payments.billing_cycle_frequency string Conditionally returned	Frequency at which the account is billed. Allowable Values: `MONTHLY`
payments.payment_due_interval integer Conditionally returned	Specifies the payment due interval that is used to determine the payment due date for a billing cycle. A value of -1 indicates one day prior to the next billing cycle date. For consumer programs, a minimum gap of 21 days is required between when a statement is delivered and the payment due date. Allowable Values: -1 min Positive integers greater than 0; -1 is the default value
payments.billing_cycle_day_strategy string Conditionally returned	Determines if the billing cycle day is manually set or determined dynamically during account creation based on cycling logic. Allowable Values: `MANUAL`
payments.allocation_order array of strings Returned	Ordered list of balance types to which payments are allocated, from first to last. Allowable Values: `INTEREST`, `FEES`, `PRINCIPAL`
payments.min_payment_calculation object Returned	Contains information used to calculate the minimum payment amount on a credit product policy. Allowable Values: Existing `min_payment_calculation` object
payments.min_payment_calculation.include_past_due_amount boolean Returned	Whether to include the past due amount when calculating the minimum payment. Allowable Values: `true`, `false`
payments.min_payment_calculation.include_overlimit_amount boolean Returned	Whether to include the overlimit amount when calculating the minimum payment. Allowable Values: `true`, `false`
payments.min_payment_calculation.min_payment_flat_amount decimal Conditionally returned	Minimum payment, expressed as a flat amount, due on the payment due day. Allowable Values: Format: 0.00
payments.min_payment_calculation.min_payment_percentage object Conditionally returned	Contains information used to calculate the minimum payment amount when expressed as a percentage. Allowable Values: Existing `min_payment_percentage` object
payments.min_payment_calculation.min_payment_percentage.percentage_of_balance decimal Returned	Minimum payment, expressed as a percentage of the total statement balance, due on the payment due day. Allowable Values: 0.0001–100
payments.min_payment_calculation.min_payment_percentage.include_interest_charged boolean Returned	Whether to include the amount of interest charged when calculating the minimum payment. Allowable Values: `true`, `false`
payments.min_payment_calculation.min_payment_percentage.include_all_fees_charged boolean Conditionally returned	Whether to include all fees charged when calculating the minimum payment. Allowable Values: `true`, `false`
created_time datetime Conditionally returned	Date and time when the credit product policy was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
updated_time datetime Conditionally returned	Date and time when the credit product policy was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "token": "my_credit_product_policy_token_1234",
  "card_products": [
    {
      "token": "my_card_product_token1234",
      "level": "TRADITIONAL",
      "network": "VISA"
    }
  ],
  "name": "Gold Credit Product Policy",
  "description": "A gold credit product policy",
  "classification": "CONSUMER",
  "product_type": "REVOLVING",
  "product_sub_type": "CREDIT_CARD",
  "currency_code": "USD",
  "credit_line": {
    "min": 50,
    "max": 3500
  },
  "usage": [
    "PURCHASE"
  ],
  "interest_calculation": {
    "method": "AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS",
    "day_count": "ACTUAL",
    "interest_application": [
      "PRINCIPAL",
      "FEES"
    ],
    "minimum_interest": 1,
    "interest_on_grace_reactivation": "ACCRUE_PAYMENT_DATE",
    "grace_days_application": "NEXT_CYCLE_DATE",
    "exclude_tran_types": [
      "ANNUAL_FEE",
      "LATE_PAYMENT_FEE",
      "CASH_BACK_STATEMENT_CREDIT",
      "FOREIGN_TRANSACTION_FEE"
    ]
  },
  "payments": {
    "due_day": 31,
    "billing_cycle_day": 1,
    "allocation_order": [
      "INTEREST",
      "FEES",
      "PRINCIPAL"
    ],
    "min_payment_calculation": {
      "include_past_due_amount": false,
      "include_overlimit_amount": true,
      "min_payment_flat_amount": 20,
      "min_payment_percentage": {
        "percentage_of_balance": 1,
        "include_interest_charged": false,
        "include_fees_charged": [
          "LATE_PAYMENT_FEE",
          "FOREIGN_TRANSACTION_FEE"
        ]
      }
    }
  },
  "created_time": "2025-04-01T23:41:58.802Z",
  "updated_time": "2025-04-05T16:04:48.643Z"
}

Create fee policy

Action: POST
Endpoint: /credit/policies/fees Create a new fee policy.

Request body

Fields	Description
token string Optional	Unique identifier of the fee policy. Allowable Values: 36 char max
name string Required	Name of the fee policy. Allowable Values: 255 char max
description string Optional	Description of the fee policy. Allowable Values: 255 char max
account object Required	Contains information on the fees in an account’s fee policy. Allowable Values: Existing `account` object
account.late_payment object Optional	Contains information on the late payment fee. Allowable Values: Existing `late_payment` object
account.returned_payment object Optional	Contains information on the returned payment fee. Allowable Values: Existing `returned_payment` object
account.foreign_transaction_fee object Optional	Contains information on the foreign transaction fee. Allowable Values: Existing `foreign_transaction_fee` object
account.monthly_fee object Optional	Contains information on the monthly periodic fees. Allowable Values: Existing `periodic_fees` object
account.annual_fee object Optional	Contains information on the annual periodic fees. Allowable Values: Existing `periodic_fees` object

Sample request body

JSON

{
  "token": "my_fee_policy_token_1234",
  "name": "Gold Fee Policy",
  "description": "A gold fee policy",
  "account": {
    "late_payment": {
      "default_method": "FLAT",
      "default_value": 10
    },
    "returned_payment": {
      "default_method": "FLAT",
      "default_value": 10
    },
    "foreign_transaction_fee": {
      "default_method": "PERCENTAGE",
      "default_value": 12.5
    }
  }
}

Response body

Fields	Description
token string Conditionally returned	Unique identifier of the fee policy. Allowable Values: 36 char max
name string Conditionally returned	Name of the fee policy. Allowable Values: 255 char max
description string Conditionally returned	Description of the fee policy. Allowable Values: 255 char max
account object Conditionally returned	Contains information on the fees in an account’s fee policy. Allowable Values: Existing `account` object
account.late_payment object Conditionally returned	Contains information on the late payment fee. Allowable Values: Existing `late_payment` object
account.returned_payment object Conditionally returned	Contains information on the returned payment fee. Allowable Values: Existing `returned_payment` object
account.foreign_transaction_fee object Conditionally returned	Contains information on the foreign transaction fee. Allowable Values: Existing `foreign_transaction_fee` object
account.monthly_fee object Conditionally returned	Contains information on the monthly periodic fees. Allowable Values: Existing `periodic_fees` object
account.annual_fee object Conditionally returned	Contains information on the annual periodic fees. Allowable Values: Existing `periodic_fees` object
created_time datetime Conditionally returned	Date and time when the fee policy was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
updated_time datetime Conditionally returned	Date and time when the fee policy was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "token": "my_fee_policy_token_1234",
  "name": "Gold Fee Policy",
  "description": "A gold fee policy",
  "account": {
    "late_payment": {
      "default_method": "FLAT",
      "default_value": 10
    },
    "returned_payment": {
      "default_method": "FLAT",
      "default_value": 10
    },
    "foreign_transaction_fee": {
      "default_method": "PERCENTAGE",
      "default_value": 12.5
    }
  },
  "created_time": "2025-04-01T23:41:58.802Z",
  "updated_time": "2025-04-05T16:04:48.643Z"
}

List fee policies

Action: GET
Endpoint: /credit/policies/fees Retrieve an array of existing fee policies. This endpoint supports sorting and pagination.

URL query parameters

Fields	Description
count integer Optional	Number of fee policy resources to retrieve. Allowable Values: 1–100
start_index integer Optional	Sort order index of the first resource in the returned array. Allowable Values: 0 min
sort_by string Optional	Field on which to sort. Prefix the field name with a hyphen (`-`) to sort in descending order. Omit the hyphen to sort in ascending order. NOTE: You must sort using system field names such as `lastModifiedTime`, and not by the field names appearing in response bodies such as `last_modified_time`. Allowable Values: `lastModifiedTime`, `-lastModifiedTime`

Response body

Fields	Description
count integer Returned	Number of resources returned. Allowable Values: 1-10
start_index integer Returned	Sort order index of the first resource in the returned array. Allowable Values: Any integer
end_index integer Returned	Sort order index of the last resource in the returned array. Allowable Values: Any integer
is_more boolean Returned	A value of `true` indicates that more unreturned resources exist. Allowable Values: `true`, `false`
data array of objects Returned	One or more fee policies. Allowable Values: One or more fee policy objects
data[].token string Conditionally returned	Unique identifier of the fee policy. Allowable Values: 36 char max
data[].name string Conditionally returned	Name of the fee policy. Allowable Values: 255 char max
data[].description string Conditionally returned	Description of the fee policy. Allowable Values: 255 char max
data[].account object Conditionally returned	Contains information on the fees in an account’s fee policy. Allowable Values: Existing `account` object
data[].account.late_payment object Conditionally returned	Contains information on the late payment fee. Allowable Values: Existing `late_payment` object
data[].account.returned_payment object Conditionally returned	Contains information on the returned payment fee. Allowable Values: Existing `returned_payment` object
data[].account.foreign_transaction_fee object Conditionally returned	Contains information on the foreign transaction fee. Allowable Values: Existing `foreign_transaction_fee` object
data[].account.monthly_fee object Conditionally returned	Contains information on the monthly periodic fees. Allowable Values: Existing `periodic_fees` object
data[].account.annual_fee object Conditionally returned	Contains information on the annual periodic fees. Allowable Values: Existing `periodic_fees` object
data[].created_time datetime Conditionally returned	Date and time when the fee policy was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
data[].updated_time datetime Conditionally returned	Date and time when the fee policy was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "count": 2,
  "start_index": 0,
  "end_index": 2,
  "is_more": true,
  "data": [
    {
      "token": "my_fee_policy_token_1234",
      "name": "Gold Fee Policy",
      "description": "A gold fee policy",
      "account": {
        "late_payment": {
          "default_method": "FLAT",
          "default_value": 10
        },
        "returned_payment": {
          "default_method": "FLAT",
          "default_value": 10
        },
        "foreign_transaction_fee": {
          "default_method": "PERCENTAGE",
          "default_value": 12.5
        }
      },
      "created_time": "2025-04-01T23:41:58.802Z",
      "updated_time": "2025-04-05T16:04:48.643Z"
    },
    {
      "token": "my_fee_policy_token_4321",
      "name": "Silver Fee Policy",
      "description": "A silver fee policy",
      "account": {
        "late_payment": {
          "default_method": "FLAT",
          "default_value": 10
        },
        "returned_payment": {
          "default_method": "FLAT",
          "default_value": 10
        },
        "foreign_transaction_fee": {
          "default_method": "PERCENTAGE",
          "default_value": 12.5
        }
      },
      "created_time": "2025-04-01T23:41:58.802Z",
      "updated_time": "2025-04-05T16:04:48.643Z"
    }
  ]
}

Retrieve fee policy

Action: GET
Endpoint: /credit/policies/fees/{token} Retrieve a specific fee policy. This endpoint supports sorting and pagination.

URL path parameters

Fields	Description
token string Required	Unique identifier of the fee policy to retrieve. Send a `GET` request to `/policies/fee` to retrieve existing fee policy tokens. Allowable Values: Existing fee policy token

Response body

Fields	Description
token string Conditionally returned	Unique identifier of the fee policy. Allowable Values: 36 char max
name string Conditionally returned	Name of the fee policy. Allowable Values: 255 char max
description string Conditionally returned	Description of the fee policy. Allowable Values: 255 char max
account object Conditionally returned	Contains information on the fees in an account’s fee policy. Allowable Values: Existing `account` object
account.late_payment object Conditionally returned	Contains information on the late payment fee. Allowable Values: Existing `late_payment` object
account.returned_payment object Conditionally returned	Contains information on the returned payment fee. Allowable Values: Existing `returned_payment` object
account.foreign_transaction_fee object Conditionally returned	Contains information on the foreign transaction fee. Allowable Values: Existing `foreign_transaction_fee` object
account.monthly_fee object Conditionally returned	Contains information on the monthly periodic fees. Allowable Values: Existing `periodic_fees` object
account.annual_fee object Conditionally returned	Contains information on the annual periodic fees. Allowable Values: Existing `periodic_fees` object
created_time datetime Conditionally returned	Date and time when the fee policy was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
updated_time datetime Conditionally returned	Date and time when the fee policy was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "token": "my_fee_policy_token_1234",
  "name": "Gold Fee Policy",
  "description": "A gold fee policy",
  "account": {
    "late_payment": {
      "default_method": "FLAT",
      "default_value": 10
    },
    "returned_payment": {
      "default_method": "FLAT",
      "default_value": 10
    },
    "foreign_transaction_fee": {
      "default_method": "PERCENTAGE",
      "default_value": 3
    }
  },
  "created_time": "2025-04-01T23:41:58.802Z",
  "updated_time": "2025-04-05T16:04:48.643Z"
}

Update fee policy

Action: PUT
Endpoint: /credit/policies/fees/{token} Update a specific fee policy.

URL path parameters

Fields	Description
token string Required	Unique identifier of the fee policy to retrieve. Send a `GET` request to `/policies/fee` to retrieve existing fee policy tokens. Allowable Values: Existing fee policy token

Request body

Fields	Description
name string Required	Name of the fee policy. Allowable Values: 255 char max
description string Optional	Description of the fee policy. Allowable Values: 255 char max
account object Optional	Contains information on the fees in an account’s fee policy. Allowable Values: Existing `account` object
account.late_payment object Optional	Contains information on the late payment fee. Allowable Values: Existing `late_payment` object
account.returned_payment object Optional	Contains information on the returned payment fee. Allowable Values: Existing `returned_payment` object
account.foreign_transaction_fee object Optional	Contains information on the foreign transaction fee. Allowable Values: Existing `foreign_transaction_fee` object
account.monthly_fee object Optional	Contains information on the monthly periodic fees. Allowable Values: Existing `periodic_fees` object
account.annual_fee object Optional	Contains information on the annual periodic fees. Allowable Values: Existing `periodic_fees` object
periodic object Optional	Contains information on a specific periodic fee in a fee policy. Allowable Values: Existing `periodic` object
periodic.fee_amount decimal Optional	Amount of the fee. Allowable Values: 1–5000
periodic.number_of_days_post_activation decimal Optional	Number of days after an account is activated that the initial fee is charged. For example, if the value in this field is `30`, then the initial fee is charged 30 days after an account is activated. Allowable Values: 1–1000
periodic.exclude_from_interest_calc boolean Optional	Whether the periodic fee is excluded from interest calculation. Allowable Values: `true`, `false`

Sample request body

JSON

{
  "token": "my_fee_policy_token_1234",
  "name": "My Changed Fee Policy",
  "description": "Description for changed fee policy",
  "account": {
    "late_payment": {
      "default_method": "FLAT",
      "default_value": 5
    },
    "returned_payment": {
      "default_method": "FLAT",
      "default_value": 5
    },
    "foreign_transaction_fee": {
      "default_method": "PERCENTAGE",
      "default_value": 3
    }
  }
}

Response body

Fields	Description
token string Conditionally returned	Unique identifier of the fee policy. Allowable Values: 36 char max
name string Conditionally returned	Name of the fee policy. Allowable Values: 255 char max
description string Conditionally returned	Description of the fee policy. Allowable Values: 255 char max
account object Conditionally returned	Contains information on the fees in an account’s fee policy. Allowable Values: Existing `account` object
account.late_payment object Conditionally returned	Contains information on the late payment fee. Allowable Values: Existing `late_payment` object
account.returned_payment object Conditionally returned	Contains information on the returned payment fee. Allowable Values: Existing `returned_payment` object
account.foreign_transaction_fee object Conditionally returned	Contains information on the foreign transaction fee. Allowable Values: Existing `foreign_transaction_fee` object
account.monthly_fee object Conditionally returned	Contains information on the monthly periodic fees. Allowable Values: Existing `periodic_fees` object
account.annual_fee object Conditionally returned	Contains information on the annual periodic fees. Allowable Values: Existing `periodic_fees` object
created_time datetime Conditionally returned	Date and time when the fee policy was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
updated_time datetime Conditionally returned	Date and time when the fee policy was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "token": "my_fee_policy_token_1234",
  "name": "My Changed Fee Policy",
  "description": "Description for changed fee policy",
  "account": {
    "late_payment": {
      "default_method": "FLAT",
      "default_value": 5
    },
    "returned_payment": {
      "default_method": "FLAT",
      "default_value": 5
    },
    "foreign_transaction_fee": {
      "default_method": "PERCENTAGE",
      "default_value": 3
    }
  },
  "created_time": "2025-04-01T23:41:58.802Z",
  "updated_time": "2025-04-05T16:04:48.643Z"
}

Clone fee policy

Action: POST
Endpoint: /credit/policies/fees/{token}/clone Create a new fee policy based on an existing fee policy.

URL path parameters

Fields	Description
token string Required	Unique identifier of the fee policy to clone. Send a `GET` request to `/policies/fee` to retrieve existing fee policy tokens. Allowable Values: Existing fee policy token

Response body

Fields	Description
token string Conditionally returned	Unique identifier of the fee policy. Allowable Values: 36 char max
name string Conditionally returned	Name of the fee policy. Allowable Values: 255 char max
description string Conditionally returned	Description of the fee policy. Allowable Values: 255 char max
account object Conditionally returned	Contains information on the fees in an account’s fee policy. Allowable Values: Existing `account` object
account.late_payment object Conditionally returned	Contains information on the late payment fee. Allowable Values: Existing `late_payment` object
account.returned_payment object Conditionally returned	Contains information on the returned payment fee. Allowable Values: Existing `returned_payment` object
account.foreign_transaction_fee object Conditionally returned	Contains information on the foreign transaction fee. Allowable Values: Existing `foreign_transaction_fee` object
account.monthly_fee object Conditionally returned	Contains information on the monthly periodic fees. Allowable Values: Existing `periodic_fees` object
account.annual_fee object Conditionally returned	Contains information on the annual periodic fees. Allowable Values: Existing `periodic_fees` object
created_time datetime Conditionally returned	Date and time when the fee policy was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
updated_time datetime Conditionally returned	Date and time when the fee policy was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "token": "my_fee_policy_token_1234",
  "name": "Gold Fee Policy",
  "description": "A gold fee policy",
  "account": {
    "late_payment": {
      "default_method": "FLAT",
      "default_value": 10
    },
    "returned_payment": {
      "default_method": "FLAT",
      "default_value": 10
    },
    "foreign_transaction_fee": {
      "default_method": "PERCENTAGE",
      "default_value": 3
    }
  },
  "created_time": "2025-04-01T23:41:58.802Z",
  "updated_time": "2025-04-05T16:04:48.643Z"
}

Create APR policy

Action: POST
Endpoint: /credit/policies/aprs Create a new annual percentage rate (APR) policy.

Request body

Fields	Description
token string Optional	Unique identifier of the APR policy. Allowable Values: 36 char max
name string Required	Name of the APR policy. Allowable Values: 255 char max
description string Optional	Description of the APR policy. Allowable Values: 255 char max
purchases object Required	Contains information on the pricing strategy for purchases. Allowable Values: Existing `purchases` object
purchases.name string Optional	Name of the pricing strategy. Allowable Values: 255 char max
purchases.external_token string Optional	Unique identifier of the external pricing strategy for the credit program. Allowable Values: Valid external pricing strategy token
purchases.tiers array of objects Required	One or more risk tiers for a pricing strategy. Allowable Values: One or more `tiers` objects
purchases.tiers[].margin_rate decimal Required	Number of percentage points added to the prime rate, used to calculate a variable APR value. Allowable Values: Format: 0.00

Sample request body

JSON

{
  "token": "my_apr_policy_token_1234",
  "name": "Gold APR Policy",
  "description": "A gold APR policy",
  "purchases": {
    "name": "A purchase at a merchant",
    "external_token": "my_external_purchase_token1234",
    "tiers": [
      {
        "margin_rate": 1,
        "apr": 0
      },
      {
        "margin_rate": 5,
        "apr": 0
      }
    ]
  }
}

Response body

Fields	Description
token string Conditionally returned	Unique identifier of the APR policy. Allowable Values: 36 char max
name string Conditionally returned	Name of the APR policy. Allowable Values: 255 char max
description string Conditionally returned	Description of the APR policy. Allowable Values: 255 char max
purchases object Conditionally returned	Contains information on the pricing strategy for purchases. Allowable Values: Existing `purchases` object
purchases.name string Conditionally returned	Name of the pricing strategy. Allowable Values: 255 char max
purchases.external_token string Conditionally returned	Unique identifier of the pricing strategy on a credit program. Allowable Values: 36 char max
purchases.tiers array of objects Conditionally returned	One or more risk tiers for a pricing strategy. Allowable Values: One or more `tiers` objects
purchases.tiers[].margin_rate decimal Conditionally returned	Margin rate for the risk tier for a pricing strategy. Allowable Values: Format: 0.00
purchases.tiers[].apr decimal Conditionally returned	Value of the APR. Allowable Values: Format: 0.00
effective_date date Conditionally returned	Date the APR goes into effect, in UTC. Allowable Values: Format: yyyy-MM-dd
created_time datetime Conditionally returned	Date and time when the APR policy was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
updated_time datetime Conditionally returned	Date and time when the APR policy was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "token": "my_apr_policy_token_1234",
  "name": "Gold APR Policy",
  "description": "A gold APR policy",
  "purchases": {
    "name": "A purchase at a merchant",
    "external_token": "my_external_purchase_token1234",
    "tiers": [
      {
        "margin_rate": 1,
        "apr": 0
      },
      {
        "margin_rate": 5,
        "apr": 0
      }
    ]
  },
  "effective_date": "2025-05-01",
  "created_time": "2025-04-01T23:41:58.802Z",
  "updated_time": "2025-04-05T16:04:48.643Z"
}

List APR policies

Action: GET
Endpoint: /credit/policies/aprs Retrieve an array of existing APR policies. This endpoint supports sorting and pagination.

URL query parameters

Fields	Description
count integer Optional	Number of APR policy resources to retrieve. Allowable Values: 1–100
start_index integer Optional	Sort order index of the first resource in the returned array. Allowable Values: 0 min
sort_by string Optional	Field on which to sort. Prefix the field name with a hyphen (`-`) to sort in descending order. Omit the hyphen to sort in ascending order. NOTE: You must sort using system field names such as `effectiveDate`, and not by the field names appearing in response bodies such as `effective_date`. Allowable Values: `effectiveDate`, `-effectiveDate`

Response body

Fields	Description
count integer Returned	Number of resources returned. Allowable Values: 1-10
start_index integer Returned	Sort order index of the first resource in the returned array. Allowable Values: Any integer
end_index integer Returned	Sort order index of the last resource in the returned array. Allowable Values: Any integer
is_more boolean Returned	A value of `true` indicates that more unreturned resources exist. Allowable Values: `true`, `false`
data array of objects Returned	One or more APR policies. Allowable Values: One or more APR policy objects
data[].token string Conditionally returned	Unique identifier of the APR policy. Allowable Values: 36 char max
data[].name string Conditionally returned	Name of the APR policy. Allowable Values: 255 char max
data[].description string Conditionally returned	Description of the APR policy. Allowable Values: 255 char max
data[].purchases object Conditionally returned	Contains information on the pricing strategy for purchases. Allowable Values: Existing `purchases` object
data[].purchases.name string Conditionally returned	Name of the pricing strategy. Allowable Values: 255 char max
data[].purchases.external_token string Conditionally returned	Unique identifier of the pricing strategy on a credit program. Allowable Values: 36 char max
data[].purchases.tiers array of objects Conditionally returned	One or more risk tiers for a pricing strategy. Allowable Values: One or more `tiers` objects
data[].purchases.tiers[].margin_rate decimal Conditionally returned	Margin rate for the risk tier for a pricing strategy. Allowable Values: Format: 0.00
data[].purchases.tiers[].apr decimal Conditionally returned	Value of the APR. Allowable Values: Format: 0.00
data[].effective_date date Conditionally returned	Date the APR goes into effect, in UTC. Allowable Values: Format: yyyy-MM-dd
data[].created_time datetime Conditionally returned	Date and time when the APR policy was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
data[].updated_time datetime Conditionally returned	Date and time when the APR policy was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "count": 2,
  "start_index": 0,
  "end_index": 2,
  "is_more": true,
  "data": [
    {
      "token": "my_apr_policy_token_1234",
      "name": "Gold APR Policy",
      "description": "A gold APR policy",
      "purchases": {
        "name": "A purchase at a merchant",
        "external_token": "my_external_purchase_token1234",
        "tiers": [
          {
            "margin_rate": 1,
            "apr": 0
          },
          {
            "margin_rate": 5,
            "apr": 0
          }
        ]
      },
      "effective_date": "2025-05-01",
      "created_time": "2025-04-01T23:41:58.802Z",
      "updated_time": "2025-04-05T16:04:48.643Z"
    },
    {
      "token": "my_apr_policy_token_4321",
      "name": "Silver APR Policy",
      "description": "A silver APR policy",
      "purchases": {
        "name": "A purchase at a merchant",
        "external_token": "my_external_purchase_token4321",
        "tiers": [
          {
            "margin_rate": 3,
            "apr": 0
          },
          {
            "margin_rate": 6,
            "apr": 0
          }
        ]
      },
      "effective_date": "2025-06-01",
      "created_time": "2025-04-01T23:41:58.802Z",
      "updated_time": "2025-04-05T16:04:48.643Z"
    }
  ]
}

Retrieve APR policy

Action: GET
Endpoint: /credit/policies/aprs/{token} Retrieve a specific annual percentage rate (APR) policy. This endpoint supports sorting and pagination.

URL path parameters

Fields	Description
token string Required	Unique identifier of the APR policy to retrieve. Send a `GET` request to `/policies/aprs` to retrieve existing APR policy tokens. Allowable Values: Existing APR policy token

Response body

Fields	Description
token string Conditionally returned	Unique identifier of the APR policy. Allowable Values: 36 char max
name string Conditionally returned	Name of the APR policy. Allowable Values: 255 char max
description string Conditionally returned	Description of the APR policy. Allowable Values: 255 char max
purchases object Conditionally returned	Contains information on the pricing strategy for purchases. Allowable Values: Existing `purchases` object
purchases.name string Conditionally returned	Name of the pricing strategy. Allowable Values: 255 char max
purchases.external_token string Conditionally returned	Unique identifier of the pricing strategy on a credit program. Allowable Values: 36 char max
purchases.tiers array of objects Conditionally returned	One or more risk tiers for a pricing strategy. Allowable Values: One or more `tiers` objects
purchases.tiers[].margin_rate decimal Conditionally returned	Margin rate for the risk tier for a pricing strategy. Allowable Values: Format: 0.00
purchases.tiers[].apr decimal Conditionally returned	Value of the APR. Allowable Values: Format: 0.00
effective_date date Conditionally returned	Date the APR goes into effect, in UTC. Allowable Values: Format: yyyy-MM-dd
created_time datetime Conditionally returned	Date and time when the APR policy was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
updated_time datetime Conditionally returned	Date and time when the APR policy was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "token": "my_apr_policy_token_1234",
  "name": "Gold APR Policy",
  "description": "A gold APR policy",
  "purchases": {
    "name": "A purchase at a merchant",
    "external_token": "my_external_purchase_token1234",
    "tiers": [
      {
        "margin_rate": 1,
        "apr": 0
      },
      {
        "margin_rate": 5,
        "apr": 0
      }
    ]
  },
  "effective_date": "2025-05-01",
  "created_time": "2025-04-01T23:41:58.802Z",
  "updated_time": "2025-04-05T16:04:48.643Z"
}

Update APR policy

Action: PUT
Endpoint: /credit/policies/aprs/{token} Update a specific APR policy.

URL path parameters

Fields	Description
token string Required	Unique identifier of the APR policy to update. Send a `GET` request to `/policies/aprs` to retrieve existing APR policy tokens. Allowable Values: Existing APR policy token

Request body

Fields	Description
token string Optional	Unique identifier of the APR policy. Allowable Values: 36 char max
name string Required	Name of the APR policy. Allowable Values: 255 char max
description string Optional	Description of the APR policy. Allowable Values: 255 char max
purchases object Optional	Contains information on the pricing strategy for purchases. Allowable Values: Existing `purchases` object
purchases.name string Optional	Name of the pricing strategy. Allowable Values: 255 char max
purchases.external_token string Optional	Unique identifier of the external pricing strategy for the credit program. Allowable Values: Valid external pricing strategy token
purchases.tiers array of objects Required	One or more risk tiers for a pricing strategy. Allowable Values: One or more `tiers` objects
purchases.tiers[].margin_rate decimal Required	Number of percentage points added to the prime rate, used to calculate a variable APR value. Allowable Values: Format: 0.00

Sample request body

JSON

{
  "token": "my_apr_policy_token_1234",
  "name": "Renamed APR Policy",
  "description": "Description of the renamed APR Policy",
  "purchases": {
    "name": "A purchase at a merchant",
    "external_token": "my_external_purchase_token1234",
    "tiers": [
      {
        "margin_rate": 1,
        "apr": 0
      },
      {
        "margin_rate": 5,
        "apr": 0
      }
    ]
  }
}

Response body

Fields	Description
token string Conditionally returned	Unique identifier of the APR policy. Allowable Values: 36 char max
name string Conditionally returned	Name of the APR policy. Allowable Values: 255 char max
description string Conditionally returned	Description of the APR policy. Allowable Values: 255 char max
purchases object Conditionally returned	Contains information on the pricing strategy for purchases. Allowable Values: Existing `purchases` object
purchases.name string Conditionally returned	Name of the pricing strategy. Allowable Values: 255 char max
purchases.external_token string Conditionally returned	Unique identifier of the pricing strategy on a credit program. Allowable Values: 36 char max
purchases.tiers array of objects Conditionally returned	One or more risk tiers for a pricing strategy. Allowable Values: One or more `tiers` objects
purchases.tiers[].margin_rate decimal Conditionally returned	Margin rate for the risk tier for a pricing strategy. Allowable Values: Format: 0.00
purchases.tiers[].apr decimal Conditionally returned	Value of the APR. Allowable Values: Format: 0.00
effective_date date Conditionally returned	Date the APR goes into effect, in UTC. Allowable Values: Format: yyyy-MM-dd
created_time datetime Conditionally returned	Date and time when the APR policy was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
updated_time datetime Conditionally returned	Date and time when the APR policy was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Clone APR policy

Action: POST
Endpoint: /credit/policies/aprs/{token}/clone Create a new annual percentage rate (APR) policy based on an existing APR policy.

URL path parameters

Fields	Description
token string Required	Unique identifier of the APR policy to clone. Send a `GET` request to `/policies/aprs` to retrieve existing APR policy tokens. Allowable Values: Existing APR policy token

Response body

Fields	Description
token string Conditionally returned	Unique identifier of the APR policy. Allowable Values: 36 char max
name string Conditionally returned	Name of the APR policy. Allowable Values: 255 char max
description string Conditionally returned	Description of the APR policy. Allowable Values: 255 char max
purchases object Conditionally returned	Contains information on the pricing strategy for purchases. Allowable Values: Existing `purchases` object
purchases.name string Conditionally returned	Name of the pricing strategy. Allowable Values: 255 char max
purchases.external_token string Conditionally returned	Unique identifier of the pricing strategy on a credit program. Allowable Values: 36 char max
purchases.tiers array of objects Conditionally returned	One or more risk tiers for a pricing strategy. Allowable Values: One or more `tiers` objects
purchases.tiers[].margin_rate decimal Conditionally returned	Margin rate for the risk tier for a pricing strategy. Allowable Values: Format: 0.00
purchases.tiers[].apr decimal Conditionally returned	Value of the APR. Allowable Values: Format: 0.00
effective_date date Conditionally returned	Date the APR goes into effect, in UTC. Allowable Values: Format: yyyy-MM-dd
created_time datetime Conditionally returned	Date and time when the APR policy was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
updated_time datetime Conditionally returned	Date and time when the APR policy was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "token": "my_apr_policy_token_1234",
  "name": "Gold APR Policy",
  "description": "A gold APR policy",
  "purchases": {
    "name": "A purchase at a merchant",
    "external_token": "my_external_purchase_token1234",
    "tiers": [
      {
        "margin_rate": 1,
        "apr": 0
      },
      {
        "margin_rate": 5,
        "apr": 0
      }
    ]
  },
  "effective_date": "2025-05-01",
  "created_time": "2025-04-01T23:41:58.802Z",
  "updated_time": "2025-04-05T16:04:48.643Z"
}

List APR schedules

Action: GET
Endpoint: /credit/policies/aprs/{token}/schedule Retrieve an array of the historic annual percentage rate (APR) schedules on a specific APR policy. This endpoint supports sorting and pagination.

URL path parameters

Fields	Description
token string Required	Unique identifier of the APR policy on which to retrieve APR schedules. Send a `GET` request to `/policies/aprs` to retrieve existing product policy tokens. Allowable Values: Existing APR policy token

URL query parameters

Fields	Description
count integer Optional	Number of APR schedule resources to retrieve. Allowable Values: 1–100
start_index integer Optional	Sort order index of the first resource in the returned array. Allowable Values: 0 min
sort_by string Optional	Field on which to sort. Prefix the field name with a hyphen (`-`) to sort in descending order. Omit the hyphen to sort in ascending order. NOTE: You must sort using system field names such as `lastModifiedTime`, and not by the field names appearing in response bodies such as `last_modified_time`. Allowable Values: `lastModifiedTime`, `-lastModifiedTime`

Response body

Fields	Description
count integer Returned	Number of resources returned. Allowable Values: 1-10
start_index integer Returned	Sort order index of the first resource in the returned array. Allowable Values: Any integer
end_index integer Returned	Sort order index of the last resource in the returned array. Allowable Values: Any integer
is_more boolean Returned	A value of `true` indicates that more unreturned resources exist. Allowable Values: `true`, `false`
data array of objects Returned	One or more APR policies. Allowable Values: One or more APR policy objects
data[].token string Conditionally returned	Unique identifier of the APR policy. Allowable Values: 36 char max
data[].name string Conditionally returned	Name of the APR policy. Allowable Values: 255 char max
data[].description string Conditionally returned	Description of the APR policy. Allowable Values: 255 char max
data[].purchases object Conditionally returned	Contains information on the pricing strategy for purchases. Allowable Values: Existing `purchases` object
data[].purchases.name string Conditionally returned	Name of the pricing strategy. Allowable Values: 255 char max
data[].purchases.external_token string Conditionally returned	Unique identifier of the pricing strategy on a credit program. Allowable Values: 36 char max
data[].purchases.tiers array of objects Conditionally returned	One or more risk tiers for a pricing strategy. Allowable Values: One or more `tiers` objects
data[].purchases.tiers[].margin_rate decimal Conditionally returned	Margin rate for the risk tier for a pricing strategy. Allowable Values: Format: 0.00
data[].purchases.tiers[].apr decimal Conditionally returned	Value of the APR. Allowable Values: Format: 0.00
data[].effective_date date Conditionally returned	Date the APR goes into effect, in UTC. Allowable Values: Format: yyyy-MM-dd
data[].created_time datetime Conditionally returned	Date and time when the APR policy was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
data[].updated_time datetime Conditionally returned	Date and time when the APR policy was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "count": 2,
  "start_index": 0,
  "end_index": 2,
  "is_more": true,
  "data": [
    {
      "token": "my_apr_policy_token_1234",
      "name": "Gold APR Policy",
      "description": "A gold APR policy",
      "purchases": {
        "name": "A purchase at a merchant",
        "external_token": "my_external_purchase_token1234",
        "tiers": [
          {
            "margin_rate": 1,
            "apr": 0
          },
          {
            "margin_rate": 5,
            "apr": 0
          }
        ]
      },
      "effective_date": "2025-05-01",
      "created_time": "2025-04-01T23:41:58.802Z",
      "updated_time": "2025-04-05T16:04:48.643Z"
    },
    {
      "token": "my_apr_policy_token_4321",
      "name": "Silver APR Policy",
      "description": "A silver APR policy",
      "purchases": {
        "name": "A purchase at a merchant",
        "external_token": "my_external_purchase_token4321",
        "tiers": [
          {
            "margin_rate": 1,
            "apr": 0
          },
          {
            "margin_rate": 5,
            "apr": 0
          }
        ]
      },
      "effective_date": "2025-06-01",
      "created_time": "2025-04-01T23:41:58.802Z",
      "updated_time": "2025-04-05T16:04:48.643Z"
    }
  ]
}

Create reward policy

Action: POST
Endpoint: /credit/policies/rewards Create a new reward policy.

Request body

Fields	Description
token string Optional	Unique identifier of the reward policy. Allowable Values: 36 char max
name string Required	Name of the reward policy. Allowable Values: 255 char max
description string Optional	Description of the reward policy. Allowable Values: 255 char max
settlement_strategy string Required	Reward settlement strategy for a credit program. Allowable Values: `STATEMENT`, `LIVE`
accrual_strategy string Optional	Reward accrual strategy for a credit program. If no value for `accrual_strategy` is set, the default value of this field is `DEFAULT`. Allowable Values: `DEFAULT`, `PAYMENT`
rounding_strategy string Optional	Rounding strategy for reward accrual calculations. If no value for `rounding_strategy` is set, then the default value of this field is `ROUND_HALF_EVEN`. Available options: - `ROUND_UP`: Always rounds away from zero to whole numbers. - `ROUND_DOWN`: Always rounds towards zero to whole numbers. - `ROUND_HALF_EVEN`: Rounds to two decimal places using half-even logic (default). - `ROUND_HALF_EVEN_WHOLE`: Rounds to whole numbers using half-even logic. Allowable Values: `ROUND_UP`, `ROUND_DOWN`, `ROUND_HALF_EVEN`, `ROUND_HALF_EVEN_WHOLE`
rules array of objects Required	List of one or more reward rules. Allowable Values: Valid array of one or more `rules` objects
rules[].description string Required	The description of the rule. Allowable Values: 255 char max
rules[].type string Required	Type of rule. Allowable Values: `MULTIPLIER_PER_TRANSACTION`
rules[].calculation_type string Optional	Type of calculation to use to evaluate if a rule has been satisfied. Allowable Values: `PER_TRANSACTION`
rules[].multiplier decimal Optional	The reward multiplier to apply the transaction, where ‘1’ means 1x transaction amount. Allowable Values: Any integer
rules[].amount decimal Optional	The static amount to reward if the rule conditions are met. Allowable Values: Any integer
rules[].attributes object Optional	Additional properties for which the rule can be used to determine reward accrual eligibility for a transaction. Allowable Values: mcc: `1500`, `0001-1499` mid: `255`
rules[].attributes.mcc array of strings Optional	List of merchant category codes (MCCs). MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen. Allowable Values: `1500`, `0001-1499`
rules[].attributes.mid string Optional	Merchant ID for the rule. Allowable Values: “255”
rules[].attributes.min_spend decimal Optional	Minimum spend amount. Allowable Values: 100
rules[].attributes.max_spend decimal Optional	Maximum spend amount. Allowable Values: 150
rules[].attributes.spend_total decimal Optional	Total spend amount. Allowable Values: 100
rules[].attributes.spend_days integer Optional	Maximum number of days since account creation within which the minimum spend requirements must be met to qualify for the reward (used for signup bonus rules). Positive integer values are allowed, with a minimum value of `1`. Allowable Values: 1 min
conversions array of objects Required	List of one or more reward conversions. Allowable Values: Valid array of one or more `conversion` objects
conversions[].type string Required	Type of conversion. Allowable Values: `STATEMENT_CREDIT`
conversions[].conversion_rate decimal Required	The rate that points are worth with converting the REDEMPTION_TYPE indicated. Allowable Values: 0.001 min Format: 0.000
conversions[].conversion_increment integer Required	The static amount to reward if the rule conditions are met. Allowable Values: Any integer
conversions[].currency string Optional	Type of currency used with the conversion rate. Allowable Values: Currency code, such as EUR or USD.
exclusions object Required	Defines what merchant category codes (MCCs) are excluded from earning rewards. MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen. Allowable Values: `1500`, `0001-1499`
exclusions.use_default_exclusions boolean Optional	Indicates whether to use the default exclusion list. - If `true`, the default exclusion list is used. - If `false`, the custom exclusion list is used, if custom exclusions are included. Allowable Values: `true`, `false`
exclusions.custom_exclusions array of strings Optional	List of merchant category codes (MCCs). MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen. Allowable Values: `1500`, `0001-1499`

Sample request body

JSON

{
  "token": "my_reward_policy_token_1234",
  "name": "Gold Reward Policy",
  "description": "A gold reward policy",
  "settlement_strategy": "STATEMENT",
  "accrual_strategy": "DEFAULT",
  "rounding_strategy": "ROUND_HALF_EVEN",
  "rules": [
    {
      "description": "Earn 1x on selected categories.",
      "type": "MULTIPLIER_PER_TRANSACTION",
      "calculation_type": "PER_TRANSACTION",
      "multiplier": 1,
      "amount": null,
      "attributes": {}
    }
  ],
  "conversions": [
    {
      "type": "STATEMENT_CREDIT",
      "conversion_rate": 0.001,
      "conversion_increment": 10,
      "currency": "USD"
    }
  ],
  "exclusions": {
    "use_default_exclusions": false,
    "custom_exclusions": [
      "2000-2999",
      "4321"
    ]
  }
}

Response body

Fields	Description
token string Conditionally returned	Unique identifier of the reward policy. Allowable Values: 36 char max
name string Conditionally returned	Name of the reward policy. Allowable Values: 255 char max
description string Conditionally returned	Description of the reward policy. Allowable Values: 255 char max
settlement_strategy string Conditionally returned	Reward settlement strategy for a credit program. Allowable Values: `STATEMENT`, `LIVE`
accrual_strategy string Conditionally returned	Reward accrual strategy for a credit program. If no value for `accrual_strategy` is set, the default value of this field is `DEFAULT`. Allowable Values: `DEFAULT`, `PAYMENT`
rounding_strategy string Conditionally returned	Rounding strategy for reward accrual calculations. If no value for `rounding_strategy` is set, then the default value of this field is `ROUND_HALF_EVEN`. Available options: - `ROUND_UP`: Always rounds away from zero to whole numbers. - `ROUND_DOWN`: Always rounds towards zero to whole numbers. - `ROUND_HALF_EVEN`: Rounds to two decimal places using half-even logic (default). - `ROUND_HALF_EVEN_WHOLE`: Rounds to whole numbers using half-even logic. Allowable Values: `ROUND_UP`, `ROUND_DOWN`, `ROUND_HALF_EVEN`, `ROUND_HALF_EVEN_WHOLE`
rules array of objects Conditionally returned	A list of one or more reward rules. Allowable Values: Valid array of one or more `rules` objects
rules[].description string Returned	The description of the rule. Allowable Values: 255 char max
rules[].type string Returned	Type of rule. Allowable Values: `MULTIPLIER_PER_TRANSACTION`
rules[].calculation_type string Conditionally returned	Type of calculation to use to evaluate if a rule has been satisfied. Allowable Values: `PER_TRANSACTION`
rules[].multiplier decimal Conditionally returned	The reward multiplier to apply the transaction, where ‘1’ means 1x transaction amount. Allowable Values: Any integer
rules[].amount decimal Conditionally returned	The static amount to reward if the rule conditions are met. Allowable Values: Any integer
rules[].attributes object Conditionally returned	Additional properties for which the rule can be used to determine reward accrual eligibility for a transaction. Allowable Values: mcc: `1500`, `0001-1499` mid: `255`
rules[].attributes.mcc array of strings Conditionally returned	List of merchant category codes (MCCs). MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen. Allowable Values: `1500`, `0001-1499`
rules[].attributes.mid string Conditionally returned	Merchant ID for the rule. Allowable Values: “255”
rules[].attributes.min_spend decimal Conditionally returned	Minimum spend amount. Allowable Values: 100
rules[].attributes.max_spend decimal Conditionally returned	Maximum spend amount. Allowable Values: 150
rules[].attributes.spend_total decimal Conditionally returned	Total spend amount. Allowable Values: 100
rules[].attributes.spend_days integer Conditionally returned	Maximum number of days since account creation within which the minimum spend requirements must be met to qualify for the reward (used for signup bonus rules). Positive integer values are allowed, with a minimum value of `1`. Allowable Values: 1 min
conversions array of objects Conditionally returned	List of one or more reward conversions. Allowable Values: Valid array of one or more `conversion` objects
conversions[].type string Returned	Type of conversion. Allowable Values: `STATEMENT_CREDIT`
conversions[].conversion_rate decimal Returned	The rate that points are worth with converting the REDEMPTION_TYPE indicated. Allowable Values: 0.001 min Format: 0.000
conversions[].conversion_increment integer Returned	The static amount to reward if the rule conditions are met. Allowable Values: Any integer
conversions[].currency string Conditionally returned	Type of currency used with the conversion rate. Allowable Values: Currency code, such as EUR or USD.
exclusions object Conditionally returned	Defines what merchant category codes (MCCs) are excluded from earning rewards. MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen. Allowable Values: `1500`, `0001-1499`
exclusions.use_default_exclusions boolean Conditionally returned	Indicates whether to use the default exclusion list. - If `true`, the default exclusion list is used. - If `false`, the custom exclusion list is used, if custom exclusions are included. Allowable Values: `true`, `false`
exclusions.custom_exclusions array of strings Conditionally returned	List of merchant category codes (MCCs). MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen. Allowable Values: `1500`, `0001-1499`
created_time datetime Conditionally returned	Date and time when the reward policy was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
updated_time datetime Conditionally returned	Date and time when the reward policy was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "token": "my_reward_policy_token_1234",
  "name": "Gold Reward Policy",
  "description": "A gold reward policy",
  "settlement_strategy": "STATEMENT",
  "accrual_strategy": "DEFAULT",
  "rounding_strategy": "ROUND_HALF_EVEN",
  "rules": [
    {
      "description": "Earn 3x on all categories.",
      "type": "MULTIPLIER_PER_TRANSACTION",
      "calculation_type": "PER_TRANSACTION",
      "multiplier": 3,
      "amount": null,
      "attributes": {}
    }
  ],
  "conversions": [
    {
      "type": "STATEMENT_CREDIT",
      "conversion_rate": 0.001,
      "conversion_increment": 10,
      "currency": "USD"
    }
  ],
  "exclusions": {
    "use_default_exclusions": false,
    "custom_exclusions": [
      "2000-2999",
      "4321"
    ]
  },
  "created_time": "2025-04-01T23:41:58.802Z",
  "updated_time": "2025-04-05T16:04:48.643Z"
}

List reward policies

Action: GET
Endpoint: /credit/policies/rewards Retrieve an array of reward policies. This endpoint supports sorting and pagination.

URL query parameters

Fields	Description
count integer Optional	Number of reward policy resources to retrieve. Allowable Values: 1–100
start_index integer Optional	Sort order index of the first resource in the returned array. Allowable Values: 0 min
sort_by string Optional	Field on which to sort. Prefix the field name with a hyphen (`-`) to sort in descending order. Omit the hyphen to sort in ascending order. NOTE: You must sort using system field names such as `lastModifiedTime`, and not by the field names appearing in response bodies such as `last_modified_time`. Allowable Values: `lastModifiedTime`, `-lastModifiedTime`

Response body

Fields	Description
count integer Returned	Number of resources returned. Allowable Values: 1-10
start_index integer Returned	Sort order index of the first resource in the returned array. Allowable Values: Any integer
end_index integer Returned	Sort order index of the last resource in the returned array. Allowable Values: Any integer
is_more boolean Returned	A value of `true` indicates that more unreturned resources exist. Allowable Values: `true`, `false`
data array of objects Returned	List of one or more reward policies. Allowable Values: Valid array of one or more reward policy objects
data[].token string Conditionally returned	Unique identifier of the reward policy. Allowable Values: 36 char max
data[].name string Conditionally returned	Name of the reward policy. Allowable Values: 255 char max
data[].description string Conditionally returned	Description of the reward policy. Allowable Values: 255 char max
data[].settlement_strategy string Conditionally returned	Reward settlement strategy for a credit program. Allowable Values: `STATEMENT`, `LIVE`
data[].accrual_strategy string Conditionally returned	Reward accrual strategy for a credit program. If no value for `accrual_strategy` is set, the default value of this field is `DEFAULT`. Allowable Values: `DEFAULT`, `PAYMENT`
data[].rounding_strategy string Conditionally returned	Rounding strategy for reward accrual calculations. If no value for `rounding_strategy` is set, then the default value of this field is `ROUND_HALF_EVEN`. Available options: - `ROUND_UP`: Always rounds away from zero to whole numbers. - `ROUND_DOWN`: Always rounds towards zero to whole numbers. - `ROUND_HALF_EVEN`: Rounds to two decimal places using half-even logic (default). - `ROUND_HALF_EVEN_WHOLE`: Rounds to whole numbers using half-even logic. Allowable Values: `ROUND_UP`, `ROUND_DOWN`, `ROUND_HALF_EVEN`, `ROUND_HALF_EVEN_WHOLE`
data[].rules array of objects Conditionally returned	A list of one or more reward rules. Allowable Values: Valid array of one or more `rules` objects
data[].rules[].description string Returned	The description of the rule. Allowable Values: 255 char max
data[].rules[].type string Returned	Type of rule. Allowable Values: `MULTIPLIER_PER_TRANSACTION`
data[].rules[].calculation_type string Conditionally returned	Type of calculation to use to evaluate if a rule has been satisfied. Allowable Values: `PER_TRANSACTION`
data[].rules[].multiplier decimal Conditionally returned	The reward multiplier to apply the transaction, where ‘1’ means 1x transaction amount. Allowable Values: Any integer
data[].rules[].amount decimal Conditionally returned	The static amount to reward if the rule conditions are met. Allowable Values: Any integer
data[].rules[].attributes object Conditionally returned	Additional properties for which the rule can be used to determine reward accrual eligibility for a transaction. Allowable Values: mcc: `1500`, `0001-1499` mid: `255`
data[].rules[].attributes.mcc array of strings Conditionally returned	List of merchant category codes (MCCs). MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen. Allowable Values: `1500`, `0001-1499`
data[].rules[].attributes.mid string Conditionally returned	Merchant ID for the rule. Allowable Values: “255”
data[].rules[].attributes.min_spend decimal Conditionally returned	Minimum spend amount. Allowable Values: 100
data[].rules[].attributes.max_spend decimal Conditionally returned	Maximum spend amount. Allowable Values: 150
data[].rules[].attributes.spend_total decimal Conditionally returned	Total spend amount. Allowable Values: 100
data[].rules[].attributes.spend_days integer Conditionally returned	Maximum number of days since account creation within which the minimum spend requirements must be met to qualify for the reward (used for signup bonus rules). Positive integer values are allowed, with a minimum value of `1`. Allowable Values: 1 min
data[].conversions array of objects Conditionally returned	List of one or more reward conversions. Allowable Values: Valid array of one or more `conversion` objects
data[].conversions[].type string Returned	Type of conversion. Allowable Values: `STATEMENT_CREDIT`
data[].conversions[].conversion_rate decimal Returned	The rate that points are worth with converting the REDEMPTION_TYPE indicated. Allowable Values: 0.001 min Format: 0.000
data[].conversions[].conversion_increment integer Returned	The static amount to reward if the rule conditions are met. Allowable Values: Any integer
data[].conversions[].currency string Conditionally returned	Type of currency used with the conversion rate. Allowable Values: Currency code, such as EUR or USD.
data[].exclusions object Conditionally returned	Defines what merchant category codes (MCCs) are excluded from earning rewards. MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen. Allowable Values: `1500`, `0001-1499`
data[].exclusions.use_default_exclusions boolean Conditionally returned	Indicates whether to use the default exclusion list. - If `true`, the default exclusion list is used. - If `false`, the custom exclusion list is used, if custom exclusions are included. Allowable Values: `true`, `false`
data[].exclusions.custom_exclusions array of strings Conditionally returned	List of merchant category codes (MCCs). MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen. Allowable Values: `1500`, `0001-1499`
data[].created_time datetime Conditionally returned	Date and time when the reward policy was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
data[].updated_time datetime Conditionally returned	Date and time when the reward policy was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "count": 2,
  "start_index": 0,
  "end_index": 2,
  "is_more": true,
  "data": [
    {
      "token": "my_reward_policy_token_1234",
      "name": "Gold Reward Policy",
      "description": "A gold reward policy",
      "settlement_strategy": "STATEMENT",
      "accrual_strategy": "DEFAULT",
      "rounding_strategy": "ROUND_HALF_EVEN",
      "rules": [
        {
          "description": "Earn 3x on selected categories.",
          "type": "MULTIPLIER_PER_TRANSACTION",
          "calculation_type": "PER_TRANSACTION",
          "multiplier": 3,
          "amount": null,
          "attributes": {
            "mcc": [
              "0001-1499",
              "1500"
            ]
          }
        }
      ],
      "conversions": [
        {
          "type": "STATEMENT_CREDIT",
          "conversion_rate": 0.001,
          "conversion_increment": 10,
          "currency": "USD"
        }
      ],
      "exclusions": {
        "use_default_exclusions": false,
        "custom_exclusions": [
          "2000-2999",
          "4321"
        ]
      },
      "created_time": "2025-04-01T23:41:58.802Z",
      "updated_time": "2025-04-05T16:04:48.643Z"
    }
  ]
}

Retrieve reward policy

Action: GET
Endpoint: /credit/policies/rewards/{token} Retrieve a reward policy.

URL path parameters

Fields	Description
token string Required	Unique identifier of the reward policy to retrieve. Send a `GET` request to `/policies/rewards` to retrieve existing reward policy tokens. Allowable Values: Existing reward policy token

Response body

Fields	Description
token string Conditionally returned	Unique identifier of the reward policy. Allowable Values: 36 char max
name string Conditionally returned	Name of the reward policy. Allowable Values: 255 char max
description string Conditionally returned	Description of the reward policy. Allowable Values: 255 char max
settlement_strategy string Conditionally returned	Reward settlement strategy for a credit program. Allowable Values: `STATEMENT`, `LIVE`
accrual_strategy string Conditionally returned	Reward accrual strategy for a credit program. If no value for `accrual_strategy` is set, the default value of this field is `DEFAULT`. Allowable Values: `DEFAULT`, `PAYMENT`
rounding_strategy string Conditionally returned	Rounding strategy for reward accrual calculations. If no value for `rounding_strategy` is set, then the default value of this field is `ROUND_HALF_EVEN`. Available options: - `ROUND_UP`: Always rounds away from zero to whole numbers. - `ROUND_DOWN`: Always rounds towards zero to whole numbers. - `ROUND_HALF_EVEN`: Rounds to two decimal places using half-even logic (default). - `ROUND_HALF_EVEN_WHOLE`: Rounds to whole numbers using half-even logic. Allowable Values: `ROUND_UP`, `ROUND_DOWN`, `ROUND_HALF_EVEN`, `ROUND_HALF_EVEN_WHOLE`
rules array of objects Conditionally returned	A list of one or more reward rules. Allowable Values: Valid array of one or more `rules` objects
rules[].description string Returned	The description of the rule. Allowable Values: 255 char max
rules[].type string Returned	Type of rule. Allowable Values: `MULTIPLIER_PER_TRANSACTION`
rules[].calculation_type string Conditionally returned	Type of calculation to use to evaluate if a rule has been satisfied. Allowable Values: `PER_TRANSACTION`
rules[].multiplier decimal Conditionally returned	The reward multiplier to apply the transaction, where ‘1’ means 1x transaction amount. Allowable Values: Any integer
rules[].amount decimal Conditionally returned	The static amount to reward if the rule conditions are met. Allowable Values: Any integer
rules[].attributes object Conditionally returned	Additional properties for which the rule can be used to determine reward accrual eligibility for a transaction. Allowable Values: mcc: `1500`, `0001-1499` mid: `255`
rules[].attributes.mcc array of strings Conditionally returned	List of merchant category codes (MCCs). MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen. Allowable Values: `1500`, `0001-1499`
rules[].attributes.mid string Conditionally returned	Merchant ID for the rule. Allowable Values: “255”
rules[].attributes.min_spend decimal Conditionally returned	Minimum spend amount. Allowable Values: 100
rules[].attributes.max_spend decimal Conditionally returned	Maximum spend amount. Allowable Values: 150
rules[].attributes.spend_total decimal Conditionally returned	Total spend amount. Allowable Values: 100
rules[].attributes.spend_days integer Conditionally returned	Maximum number of days since account creation within which the minimum spend requirements must be met to qualify for the reward (used for signup bonus rules). Positive integer values are allowed, with a minimum value of `1`. Allowable Values: 1 min
conversions array of objects Conditionally returned	List of one or more reward conversions. Allowable Values: Valid array of one or more `conversion` objects
conversions[].type string Returned	Type of conversion. Allowable Values: `STATEMENT_CREDIT`
conversions[].conversion_rate decimal Returned	The rate that points are worth with converting the REDEMPTION_TYPE indicated. Allowable Values: 0.001 min Format: 0.000
conversions[].conversion_increment integer Returned	The static amount to reward if the rule conditions are met. Allowable Values: Any integer
conversions[].currency string Conditionally returned	Type of currency used with the conversion rate. Allowable Values: Currency code, such as EUR or USD.
exclusions object Conditionally returned	Defines what merchant category codes (MCCs) are excluded from earning rewards. MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen. Allowable Values: `1500`, `0001-1499`
exclusions.use_default_exclusions boolean Conditionally returned	Indicates whether to use the default exclusion list. - If `true`, the default exclusion list is used. - If `false`, the custom exclusion list is used, if custom exclusions are included. Allowable Values: `true`, `false`
exclusions.custom_exclusions array of strings Conditionally returned	List of merchant category codes (MCCs). MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen. Allowable Values: `1500`, `0001-1499`
created_time datetime Conditionally returned	Date and time when the reward policy was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
updated_time datetime Conditionally returned	Date and time when the reward policy was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "token": "my_reward_policy_token_1234",
  "name": "Gold Reward Policy",
  "description": "A gold reward policy",
  "settlement_strategy": "STATEMENT",
  "accrual_strategy": "DEFAULT",
  "rounding_strategy": "ROUND_HALF_EVEN",
  "rules": [
    {
      "description": "Earn 3x on selected categories.",
      "type": "MULTIPLIER_PER_TRANSACTION",
      "calculation_type": "PER_TRANSACTION",
      "multiplier": 3,
      "amount": null,
      "attributes": {
        "mcc": [
          "0001-1499",
          "1500"
        ]
      }
    }
  ],
  "conversions": [
    {
      "type": "STATEMENT_CREDIT",
      "conversion_rate": 0.001,
      "conversion_increment": 10,
      "currency": "USD"
    }
  ],
  "exclusions": {
    "use_default_exclusions": false,
    "custom_exclusions": [
      "2000-2999",
      "4321"
    ]
  },
  "created_time": "2025-04-01T23:41:58.802Z",
  "updated_time": "2025-04-05T16:04:48.643Z"
}

Update reward policy

Action: PUT
Endpoint: /credit/policies/rewards/{token} Update a reward policy.

URL path parameters

Fields	Description
token string Required	Unique identifier of the reward policy to update. Send a `GET` request to `/policies/rewards` to retrieve existing reward policy tokens. Allowable Values: Existing reward policy token

Request body

Fields	Description
token string Optional	Unique identifier of the reward policy. Allowable Values: 36 char max
name string Required	Name of the reward policy. Allowable Values: 255 char max
description string Optional	Description of the reward policy. Allowable Values: 255 char max
settlement_strategy string Required	Reward settlement strategy for a credit program. Allowable Values: `STATEMENT`, `LIVE`
accrual_strategy string Optional	Reward accrual strategy for a credit program. If no value for `accrual_strategy` is set, the default value of this field is `DEFAULT`. Allowable Values: `DEFAULT`, `PAYMENT`
rounding_strategy string Optional	Rounding strategy for reward accrual calculations. If no value for `rounding_strategy` is set, then the default value of this field is `ROUND_HALF_EVEN`. Available options: - `ROUND_UP`: Always rounds away from zero to whole numbers. - `ROUND_DOWN`: Always rounds towards zero to whole numbers. - `ROUND_HALF_EVEN`: Rounds to two decimal places using half-even logic (default). - `ROUND_HALF_EVEN_WHOLE`: Rounds to whole numbers using half-even logic. Allowable Values: `ROUND_UP`, `ROUND_DOWN`, `ROUND_HALF_EVEN`, `ROUND_HALF_EVEN_WHOLE`
rules array of objects Required	List of one or more reward rules. Allowable Values: Valid array of one or more `rules` objects
rules[].description string Required	The description of the rule. Allowable Values: 255 char max
rules[].type string Required	Type of rule. Allowable Values: `MULTIPLIER_PER_TRANSACTION`
rules[].calculation_type string Optional	Type of calculation to use to evaluate if a rule has been satisfied. Allowable Values: `PER_TRANSACTION`
rules[].multiplier decimal Optional	The reward multiplier to apply the transaction, where ‘1’ means 1x transaction amount. Allowable Values: Any integer
rules[].amount decimal Optional	The static amount to reward if the rule conditions are met. Allowable Values: Any integer
rules[].attributes object Optional	Additional properties for which the rule can be used to determine reward accrual eligibility for a transaction. Allowable Values: mcc: `1500`, `0001-1499` mid: `255`
rules[].attributes.mcc array of strings Optional	List of merchant category codes (MCCs). MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen. Allowable Values: `1500`, `0001-1499`
rules[].attributes.mid string Optional	Merchant ID for the rule. Allowable Values: “255”
rules[].attributes.min_spend decimal Optional	Minimum spend amount. Allowable Values: 100
rules[].attributes.max_spend decimal Optional	Maximum spend amount. Allowable Values: 150
rules[].attributes.spend_total decimal Optional	Total spend amount. Allowable Values: 100
rules[].attributes.spend_days integer Optional	Maximum number of days since account creation within which the minimum spend requirements must be met to qualify for the reward (used for signup bonus rules). Positive integer values are allowed, with a minimum value of `1`. Allowable Values: 1 min
conversions array of objects Required	List of one or more reward conversions. Allowable Values: Valid array of one or more `conversion` objects
conversions[].type string Required	Type of conversion. Allowable Values: `STATEMENT_CREDIT`
conversions[].conversion_rate decimal Required	The rate that points are worth with converting the REDEMPTION_TYPE indicated. Allowable Values: 0.001 min Format: 0.000
conversions[].conversion_increment integer Required	The static amount to reward if the rule conditions are met. Allowable Values: Any integer
conversions[].currency string Optional	Type of currency used with the conversion rate. Allowable Values: Currency code, such as EUR or USD.
exclusions object Required	Defines what merchant category codes (MCCs) are excluded from earning rewards. MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen. Allowable Values: `1500`, `0001-1499`
exclusions.use_default_exclusions boolean Optional	Indicates whether to use the default exclusion list. - If `true`, the default exclusion list is used. - If `false`, the custom exclusion list is used, if custom exclusions are included. Allowable Values: `true`, `false`
exclusions.custom_exclusions array of strings Optional	List of merchant category codes (MCCs). MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen. Allowable Values: `1500`, `0001-1499`

Response body

Fields	Description
token string Conditionally returned	Unique identifier of the reward policy. Allowable Values: 36 char max
name string Conditionally returned	Name of the reward policy. Allowable Values: 255 char max
description string Conditionally returned	Description of the reward policy. Allowable Values: 255 char max
settlement_strategy string Conditionally returned	Reward settlement strategy for a credit program. Allowable Values: `STATEMENT`, `LIVE`
accrual_strategy string Conditionally returned	Reward accrual strategy for a credit program. If no value for `accrual_strategy` is set, the default value of this field is `DEFAULT`. Allowable Values: `DEFAULT`, `PAYMENT`
rounding_strategy string Conditionally returned	Rounding strategy for reward accrual calculations. If no value for `rounding_strategy` is set, then the default value of this field is `ROUND_HALF_EVEN`. Available options: - `ROUND_UP`: Always rounds away from zero to whole numbers. - `ROUND_DOWN`: Always rounds towards zero to whole numbers. - `ROUND_HALF_EVEN`: Rounds to two decimal places using half-even logic (default). - `ROUND_HALF_EVEN_WHOLE`: Rounds to whole numbers using half-even logic. Allowable Values: `ROUND_UP`, `ROUND_DOWN`, `ROUND_HALF_EVEN`, `ROUND_HALF_EVEN_WHOLE`
rules array of objects Conditionally returned	A list of one or more reward rules. Allowable Values: Valid array of one or more `rules` objects
rules[].description string Returned	The description of the rule. Allowable Values: 255 char max
rules[].type string Returned	Type of rule. Allowable Values: `MULTIPLIER_PER_TRANSACTION`
rules[].calculation_type string Conditionally returned	Type of calculation to use to evaluate if a rule has been satisfied. Allowable Values: `PER_TRANSACTION`
rules[].multiplier decimal Conditionally returned	The reward multiplier to apply the transaction, where ‘1’ means 1x transaction amount. Allowable Values: Any integer
rules[].amount decimal Conditionally returned	The static amount to reward if the rule conditions are met. Allowable Values: Any integer
rules[].attributes object Conditionally returned	Additional properties for which the rule can be used to determine reward accrual eligibility for a transaction. Allowable Values: mcc: `1500`, `0001-1499` mid: `255`
rules[].attributes.mcc array of strings Conditionally returned	List of merchant category codes (MCCs). MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen. Allowable Values: `1500`, `0001-1499`
rules[].attributes.mid string Conditionally returned	Merchant ID for the rule. Allowable Values: “255”
rules[].attributes.min_spend decimal Conditionally returned	Minimum spend amount. Allowable Values: 100
rules[].attributes.max_spend decimal Conditionally returned	Maximum spend amount. Allowable Values: 150
rules[].attributes.spend_total decimal Conditionally returned	Total spend amount. Allowable Values: 100
rules[].attributes.spend_days integer Conditionally returned	Maximum number of days since account creation within which the minimum spend requirements must be met to qualify for the reward (used for signup bonus rules). Positive integer values are allowed, with a minimum value of `1`. Allowable Values: 1 min
conversions array of objects Conditionally returned	List of one or more reward conversions. Allowable Values: Valid array of one or more `conversion` objects
conversions[].type string Returned	Type of conversion. Allowable Values: `STATEMENT_CREDIT`
conversions[].conversion_rate decimal Returned	The rate that points are worth with converting the REDEMPTION_TYPE indicated. Allowable Values: 0.001 min Format: 0.000
conversions[].conversion_increment integer Returned	The static amount to reward if the rule conditions are met. Allowable Values: Any integer
conversions[].currency string Conditionally returned	Type of currency used with the conversion rate. Allowable Values: Currency code, such as EUR or USD.
exclusions object Conditionally returned	Defines what merchant category codes (MCCs) are excluded from earning rewards. MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen. Allowable Values: `1500`, `0001-1499`
exclusions.use_default_exclusions boolean Conditionally returned	Indicates whether to use the default exclusion list. - If `true`, the default exclusion list is used. - If `false`, the custom exclusion list is used, if custom exclusions are included. Allowable Values: `true`, `false`
exclusions.custom_exclusions array of strings Conditionally returned	List of merchant category codes (MCCs). MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen. Allowable Values: `1500`, `0001-1499`
created_time datetime Conditionally returned	Date and time when the reward policy was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
updated_time datetime Conditionally returned	Date and time when the reward policy was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "token": "my_reward_policy_token_1234",
  "name": "Gold Reward Policy",
  "description": "A gold reward policy",
  "settlement_strategy": "STATEMENT",
  "accrual_strategy": "DEFAULT",
  "rounding_strategy": "ROUND_HALF_EVEN",
  "rules": [
    {
      "description": "Earn 3x on selected categories.",
      "type": "MULTIPLIER_PER_TRANSACTION",
      "calculation_type": "PER_TRANSACTION",
      "multiplier": 3,
      "amount": null,
      "attributes": {
        "mcc": [
          "0001-1499",
          "1500"
        ]
      }
    }
  ],
  "conversions": [
    {
      "type": "STATEMENT_CREDIT",
      "conversion_rate": 0.001,
      "conversion_increment": 10,
      "currency": "USD"
    }
  ],
  "exclusions": {
    "use_default_exclusions": false,
    "custom_exclusions": [
      "2000-2999",
      "4321"
    ]
  },
  "created_time": "2025-04-01T23:41:58.802Z",
  "updated_time": "2025-04-05T16:04:48.643Z"
}

Clone reward policy

Action: POST
Endpoint: /credit/policies/rewards/{token}/clone Create a new reward policy based on existing reward policy.

URL path parameters

Fields	Description
token string Required	Unique identifier of the reward policy to clone. Send a `GET` request to `/policies/rewards` to retrieve existing reward policy tokens. Allowable Values: Existing reward policy token

Response body

Fields	Description
token string Conditionally returned	Unique identifier of the reward policy. Allowable Values: 36 char max
name string Conditionally returned	Name of the reward policy. Allowable Values: 255 char max
description string Conditionally returned	Description of the reward policy. Allowable Values: 255 char max
settlement_strategy string Conditionally returned	Reward settlement strategy for a credit program. Allowable Values: `STATEMENT`, `LIVE`
accrual_strategy string Conditionally returned	Reward accrual strategy for a credit program. If no value for `accrual_strategy` is set, the default value of this field is `DEFAULT`. Allowable Values: `DEFAULT`, `PAYMENT`
rounding_strategy string Conditionally returned	Rounding strategy for reward accrual calculations. If no value for `rounding_strategy` is set, then the default value of this field is `ROUND_HALF_EVEN`. Available options: - `ROUND_UP`: Always rounds away from zero to whole numbers. - `ROUND_DOWN`: Always rounds towards zero to whole numbers. - `ROUND_HALF_EVEN`: Rounds to two decimal places using half-even logic (default). - `ROUND_HALF_EVEN_WHOLE`: Rounds to whole numbers using half-even logic. Allowable Values: `ROUND_UP`, `ROUND_DOWN`, `ROUND_HALF_EVEN`, `ROUND_HALF_EVEN_WHOLE`
rules array of objects Conditionally returned	A list of one or more reward rules. Allowable Values: Valid array of one or more `rules` objects
rules[].description string Returned	The description of the rule. Allowable Values: 255 char max
rules[].type string Returned	Type of rule. Allowable Values: `MULTIPLIER_PER_TRANSACTION`
rules[].calculation_type string Conditionally returned	Type of calculation to use to evaluate if a rule has been satisfied. Allowable Values: `PER_TRANSACTION`
rules[].multiplier decimal Conditionally returned	The reward multiplier to apply the transaction, where ‘1’ means 1x transaction amount. Allowable Values: Any integer
rules[].amount decimal Conditionally returned	The static amount to reward if the rule conditions are met. Allowable Values: Any integer
rules[].attributes object Conditionally returned	Additional properties for which the rule can be used to determine reward accrual eligibility for a transaction. Allowable Values: mcc: `1500`, `0001-1499` mid: `255`
rules[].attributes.mcc array of strings Conditionally returned	List of merchant category codes (MCCs). MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen. Allowable Values: `1500`, `0001-1499`
rules[].attributes.mid string Conditionally returned	Merchant ID for the rule. Allowable Values: “255”
rules[].attributes.min_spend decimal Conditionally returned	Minimum spend amount. Allowable Values: 100
rules[].attributes.max_spend decimal Conditionally returned	Maximum spend amount. Allowable Values: 150
rules[].attributes.spend_total decimal Conditionally returned	Total spend amount. Allowable Values: 100
rules[].attributes.spend_days integer Conditionally returned	Maximum number of days since account creation within which the minimum spend requirements must be met to qualify for the reward (used for signup bonus rules). Positive integer values are allowed, with a minimum value of `1`. Allowable Values: 1 min
conversions array of objects Conditionally returned	List of one or more reward conversions. Allowable Values: Valid array of one or more `conversion` objects
conversions[].type string Returned	Type of conversion. Allowable Values: `STATEMENT_CREDIT`
conversions[].conversion_rate decimal Returned	The rate that points are worth with converting the REDEMPTION_TYPE indicated. Allowable Values: 0.001 min Format: 0.000
conversions[].conversion_increment integer Returned	The static amount to reward if the rule conditions are met. Allowable Values: Any integer
conversions[].currency string Conditionally returned	Type of currency used with the conversion rate. Allowable Values: Currency code, such as EUR or USD.
exclusions object Conditionally returned	Defines what merchant category codes (MCCs) are excluded from earning rewards. MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen. Allowable Values: `1500`, `0001-1499`
exclusions.use_default_exclusions boolean Conditionally returned	Indicates whether to use the default exclusion list. - If `true`, the default exclusion list is used. - If `false`, the custom exclusion list is used, if custom exclusions are included. Allowable Values: `true`, `false`
exclusions.custom_exclusions array of strings Conditionally returned	List of merchant category codes (MCCs). MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen. Allowable Values: `1500`, `0001-1499`
created_time datetime Conditionally returned	Date and time when the reward policy was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
updated_time datetime Conditionally returned	Date and time when the reward policy was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "token": "my_reward_policy_token_1234",
  "name": "Gold Reward Policy",
  "description": "A gold reward policy",
  "settlement_strategy": "STATEMENT",
  "accrual_strategy": "DEFAULT",
  "rounding_strategy": "ROUND_HALF_EVEN",
  "rules": [
    {
      "description": "Earn 3x on selected categories.",
      "type": "MULTIPLIER_PER_TRANSACTION",
      "calculation_type": "PER_TRANSACTION",
      "multiplier": 3,
      "amount": null,
      "attributes": {
        "mcc": [
          "0001-1499",
          "1500"
        ]
      }
    }
  ],
  "conversions": [
    {
      "type": "STATEMENT_CREDIT",
      "conversion_rate": 0.001,
      "conversion_increment": 10,
      "currency": "USD"
    }
  ],
  "exclusions": {
    "use_default_exclusions": false,
    "custom_exclusions": [
      "2000-2999",
      "4321"
    ]
  },
  "created_time": "2025-04-01T23:41:58.802Z",
  "updated_time": "2025-04-05T16:04:48.643Z"
}

Core API Basics

SDKs

Credentials

Account Holders

Funding

Just-in-Time Funding

Cards

Digital Wallets

Spend Control

Accounts

Transactions

3D Secure

Real-Time Decisioning

Disputes

Digital Banking

Credit Programs

Credit Account Management

Credit Account Servicing

Credit Reward Accounts

Testing

Webhooks

​Create document policy

​Request body

​Sample request body

​Response body

​Sample response body

​List document policies

​URL query parameters

​Response body

​Sample response body

​Retrieve document policy

​URL path parameters

​Response body

​Sample response body

​Update document policy

​URL path parameters

​Request body

​Sample request body

​Response body

​Sample response body

​Clone document policy

​URL path parameters

​Response body

​Sample response body

​Create credit product policy

​Request body

​Sample request body

​Response body

​Sample response body

​List credit product policies

​URL query parameters

​Response body

​Sample response body

​Retrieve credit product policy

​URL path parameters

​Response body

​Sample response body

​Update credit product policy

​URL path parameters

​Request body

​Sample request body

​Response body

​Sample response body

​Clone credit product policy

​URL path parameters

​Response body

​Sample response body

​Create fee policy

​Request body

​Sample request body

​Response body

​Sample response body

​List fee policies

​URL query parameters

​Response body

​Sample response body

​Retrieve fee policy

​URL path parameters

​Response body

​Sample response body

Create document policy

Request body

Sample request body

Response body

Sample response body

List document policies

URL query parameters

Response body

Sample response body

Retrieve document policy

URL path parameters

Response body

Sample response body

Update document policy

URL path parameters

Request body

Sample request body

Response body

Sample response body

Clone document policy

URL path parameters

Response body

Sample response body

Create credit product policy

Request body

Sample request body

Response body

Sample response body

List credit product policies

URL query parameters

Response body

Sample response body

Retrieve credit product policy

URL path parameters

Response body

Sample response body

Update credit product policy

URL path parameters

Request body

Sample request body

Response body

Sample response body

Clone credit product policy

URL path parameters

Response body

Sample response body

Create fee policy

Request body

Sample request body

Response body

Sample response body

List fee policies

URL query parameters

Response body

Sample response body

Retrieve fee policy

URL path parameters

Response body

Sample response body

Update fee policy

URL path parameters

Request body

Sample request body

Response body

Sample response body

Clone fee policy

URL path parameters

Response body

Sample response body

Create APR policy

Request body

Sample request body

Response body

Sample response body

List APR policies

URL query parameters

Response body

Sample response body

Retrieve APR policy

URL path parameters