Delinquency

Use the delinquency endpoints to retrieve details on a credit account’s delinquency state and transitions. An account’s delinquency state reflects whether an account is delinquent and past due on its payments or current and up to date on its payments. To receive webhook notifications when an account transitions between delinquent and current, see Credit account delinquency state transition events in Event Types.

Retrieve delinquency state

Action: GET
Endpoint: /credit/accounts/{account_token}/delinquencystate Retrieve details of the current delinquency state of a credit account. An account is delinquent when it is past due on payments and current when it is up to date on payments.

URL path parameters

Fields	Description
account_token string Required	Unique identifier of the credit account for which you want to retrieve delinquency state details. Send a `GET` request to `/credit/accounts` to retrieve existing credit account tokens. Allowable Values: Existing account token

Response body

Fields	Description
account_token string Returned	Unique identifier of the credit account. Allowable Values: Existing account token
is_delinquent boolean Returned	A value of `true` indicates that the account is currently delinquent. Allowable Values: `true`, `false`
date_account_delinquent datetime Conditionally returned	Date and time when the account last fell delinquent on the Marqeta platform, in UTC. If `is_delinquent` is `false`, a null value is returned. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
date_account_current datetime Conditionally returned	Date and time when the account was last made current on the Marqeta platform, in UTC. If the account was never delinquent, this field returns the date and time the account was created on the Marqeta platform, in UTC. If `is_delinquent` is `true`, a null value is returned. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
total_days_past_due integer Returned	Total number of days that the account is past due. Allowable Values: Any integer
delinquent_days_past_statement_end_date integer Conditionally returned	Total number of days that the account is past the oldest bucket’s statement end date. Allowable Values: Any integer
total_past_due decimal Returned	Total amount that is past due. Allowable Values: Format: 0.00
current_due decimal Returned	Amount that is due for the current billing cycle. Allowable Values: Format: 0.00
total_due decimal Returned	Total amount that is due for the current billing cycle; the sum of `total_past_due_amount` and `current_due_amount`. Allowable Values: Format: 0.00
buckets array of objects Conditionally returned	One or more delinquency buckets for an account. Each delinquency bucket represents a billing cycle during which the account was delinquent. Allowable Values: One or more `buckets` objects
buckets[].bucket_number integer Returned	Delinquency bucket number in the returned array. Delinquency buckets are returned from most recent to least; the most recent delinquency bucket is `1`. Allowable Values: Any integer
buckets[].payment_due_date datetime Returned	Date that the payment was due for this delinquency bucket. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
buckets[].past_due_carried_forward decimal Returned	Amount that is past due and carried forward from previous delinquency buckets. Allowable Values: Format: 0.00
buckets[].current_due decimal Returned	Current amount that is due for this delinquency bucket. Allowable Values: Format: 0.00
buckets[].total_due decimal Returned	Total amount that is due for this delinquency bucket; the sum of `past_due_carried_forward` and `current_due`. Allowable Values: Format: 0.00
buckets[].days_past_due integer Returned	Total number of days that the payment is past due for this delinquency bucket. Allowable Values: Any integer

Sample response body

The following code block shows details of a delinquent account.

JSON

{
  "account_token": "account_token_123",
  "is_delinquent": true,
  "date_account_delinquent": "2024-03-01T04:59:59.999Z",
  "date_account_current": null,
  "total_days_past_due": 91,
  "total_past_due": 100,
  "current_due": 40,
  "total_due": 140,
  "buckets": [
    {
      "bucket_number": 1,
      "payment_due_date": "2023-05-01T03:59:59.999Z",
      "past_due_carried_forward": 60,
      "current_due": 40,
      "total_due": 100,
      "days_past_due": 30
    },
    {
      "bucket_number": 2,
      "payment_due_date": "2024-04-01T03:59:59.999Z",
      "past_due_carried_forward": 20,
      "current_due": 40,
      "total_due": 60,
      "days_past_due": 60
    },
    {
      "bucket_number": 3,
      "payment_due_date": "2024-03-01T04:59:59.999Z",
      "past_due_carried_forward": 0,
      "current_due": 20,
      "total_due": 20,
      "days_past_due": 91
    }
  ]
}

The following code block shows details of a current account.

JSON

{
  "account_token": "account_token_111",
  "is_delinquent": false,
  "date_account_delinquent": null,
  "date_account_current": "2024-01-01T04:59:59.999Z",
  "total_days_past_due": 0,
  "total_past_due": 0,
  "current_due": 100,
  "total_due": 100,
  "buckets": []
}

List delinquency state transitions

Action: GET
Endpoint: /credit/accounts/{account_token}/delinquencystate/transitions Retrieve an array of delinquency state transitions for a credit account. A delinquency state transition occurs when an account’s delinquency state transitions between delinquent and current. An account becomes delinquent when it falls behind on payments and becomes current when payments are made up to date.

URL path parameters

Fields	Description
account_token string Required	Unique identifier of the credit account whose delinquency state transitions you want to retrieve. Send a `GET` request to `/credit/accounts` to retrieve existing credit account tokens. Allowable Values: Existing account token

URL query parameters

Fields	Description
count integer Optional	Number of resources to retrieve. Allowable Values: 1 min
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 `impactTime`, and not by the field names appearing in response bodies such as `impact_time`. Allowable Values: `impactTime`, `-impactTime`

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 delinquency state transitions. Allowable Values: Valid array of one or more delinquency state transitions
data[].token string Returned	Unique identifier of the delinquency state transition. Allowable Values: Existing delinquency transition token
data[].account_token string Returned	Unique identifier of the credit account. Allowable Values: Existing account token
data[].transition_trigger_reason string Returned	Event that triggered an update to the account’s delinquency state. Allowable Values: `PAYMENT`, `PAYMENT_VOID`, `CREDIT`, `MINIMUM_PAYMENT_OVERRIDE`, `STATEMENT_GENERATION`, `REAGE`, `PAST_MIN_PAYMENT_DUE`
data[].transition_trigger_time datetime Returned	Date and time when the triggering event caused the account’s delinquency state to transition, in UTC. For journal entries, equivalent to `request_time`. For statement journal entries, equivalent to `impact_time`, Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
data[].original_status string Returned	Original delinquency status prior to transition. Allowable Values: `CURRENT`, `DELINQUENT`
data[].status string Returned	Current delinquency status after transition. Allowable Values: `CURRENT`, `DELINQUENT`
data[].impact_time datetime Returned	Date and time when the triggering event impacted the account, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
data[].total_past_due decimal Conditionally returned	Total amount that is past due after the triggering event occurred. Equivalent to `past_due_carried_forward` for the account’s most recent delinquency bucket. To retrieve delinquency buckets for an account, send a `GET` request to `/credit/accounts/{account_token}/delinquencystate`. Allowable Values: Format: 0.00
data[].current_due decimal Conditionally returned	Current amount that is due after the triggering event occurred. Equivalent to `current_due` for the account’s most recent delinquency bucket. To retrieve delinquency buckets for an account, send a `GET` request to `/credit/accounts/{account_token}/delinquencystate`. Allowable Values: Format: 0.00
data[].total_due decimal Conditionally returned	Total amount that is due after the triggering event occurred; the sum of `total_past_due` and `current_due`. Equivalent to `total_due` for the account’s most recent delinquency bucket. To retrieve delinquency buckets for an account, send a `GET` request to `/credit/accounts/{account_token}/delinquencystate`. Allowable Values: Format: 0.00
data[].oldest_payment_due_date datetime Conditionally returned	Payment due date of the account’s oldest delinquency bucket, in UTC. Useful when used with the delinquency state transition’s `created_time` to determine the total number of days a payment is past due. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
data[].bucket_count decimal Conditionally returned	Number of buckets for the account after the triggering event occurred. Allowable Values: Any integer
data[].is_rolled_back boolean Returned	A value of `true` indicates that the system invalidated and rolled back the delinquency transition. This is a temporary field that allows Marqeta to handle occasional cases of out-of-order processing. This can occur when two delinquency state transition webhooks are sent near-simultaneously. For example, if a credit and a payment that bring an account current are made around the same time, two delinquency state transitions are sent very close together. In these cases, one of the transitions is rolled back and invalidated. For the transition that is rolled back, `is_rolled_back` is `true` and the transition should be ignored. This field is temporary and to be deprecated when out-of-order processing is addressed in a future release. Allowable Values: `true`, `false`
data[].created_time datetime Returned	Date and time when the delinquency state transition 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 delinquency state transition 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": 1,
  "is_more": false,
  "data": [
    {
      "token": "delinquency_transition_token_2",
      "account_token": "account_token_1",
      "transition_trigger_reason": "PAYMENT",
      "transition_trigger_time": "2023-12-02T23:13:48.284Z",
      "original_status": "DELINQUENT",
      "status": "CURRENT",
      "impact_time": "2023-12-02T23:13:48.281Z",
      "total_past_due": 0,
      "current_due": 221.53,
      "total_due": 221.53,
      "oldest_payment_due_date": "2024-01-01T04:59:59.999Z",
      "bucket_count": 0,
      "is_rolled_back": false,
      "created_time": "2023-03-28T00:52:17.566Z",
      "updated_time": "2023-03-28T00:52:17.566Z"
    },
    {
      "token": "delinquency_transition_token_1",
      "account_token": "account_token_1",
      "transition_trigger_reason": "STATEMENT_GENERATION",
      "transition_trigger_time": "2022-12-01T08:01:29.201Z",
      "original_status": "CURRENT",
      "status": "DELINQUENT",
      "impact_time": "2023-12-01T04:59:59.999Z",
      "total_past_due": 40.18,
      "current_due": 231.35,
      "total_due": 271.53,
      "oldest_payment_due_date": "2023-12-01T04:59:59.999Z",
      "bucket_count": 1,
      "is_rolled_back": false,
      "created_time": "2024-03-28T00:52:17.398Z",
      "updated_time": "2024-03-28T00:52:17.398Z"
    }
  ]
}

Retrieve delinquency state transition

Action: GET
Endpoint: /credit/accounts/{account_token}/delinquencystate/transitions/{delinquency_transition_token} Retrieve a specific delinquency state transition on a credit account. A delinquency state transition occurs when an account’s delinquency state transitions between delinquent and current. An account becomes delinquent when it falls behind on payments and becomes current when payments are made up to date.

URL path parameters

Fields	Description
account_token string Required	Unique identifier of the credit account whose delinquency state transition you want to retrieve. Send a `GET` request to `/credit/accounts` to retrieve existing credit account tokens. Allowable Values: Existing account token
delinquency_transition_token string Required	Unique identifier of the delinquency state transition. Allowable Values: Existing delinquency transition token

Response body

Fields	Description
token string Returned	Unique identifier of the delinquency state transition. Allowable Values: Existing delinquency transition token
account_token string Returned	Unique identifier of the credit account. Allowable Values: Existing account token
transition_trigger_reason string Returned	Event that triggered an update to the account’s delinquency state. Allowable Values: `PAYMENT`, `PAYMENT_VOID`, `CREDIT`, `MINIMUM_PAYMENT_OVERRIDE`, `STATEMENT_GENERATION`, `REAGE`, `PAST_MIN_PAYMENT_DUE`
transition_trigger_time datetime Returned	Date and time when the triggering event caused the account’s delinquency state to transition, in UTC. For journal entries, equivalent to `request_time`. For statement journal entries, equivalent to `impact_time`, Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
original_status string Returned	Original delinquency status prior to transition. Allowable Values: `CURRENT`, `DELINQUENT`
status string Returned	Current delinquency status after transition. Allowable Values: `CURRENT`, `DELINQUENT`
impact_time datetime Returned	Date and time when the triggering event impacted the account, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
total_past_due decimal Conditionally returned	Total amount that is past due after the triggering event occurred. Equivalent to `past_due_carried_forward` for the account’s most recent delinquency bucket. To retrieve delinquency buckets for an account, send a `GET` request to `/credit/accounts/{account_token}/delinquencystate`. Allowable Values: Format: 0.00
current_due decimal Conditionally returned	Current amount that is due after the triggering event occurred. Equivalent to `current_due` for the account’s most recent delinquency bucket. To retrieve delinquency buckets for an account, send a `GET` request to `/credit/accounts/{account_token}/delinquencystate`. Allowable Values: Format: 0.00
total_due decimal Conditionally returned	Total amount that is due after the triggering event occurred; the sum of `total_past_due` and `current_due`. Equivalent to `total_due` for the account’s most recent delinquency bucket. To retrieve delinquency buckets for an account, send a `GET` request to `/credit/accounts/{account_token}/delinquencystate`. Allowable Values: Format: 0.00
oldest_payment_due_date datetime Conditionally returned	Payment due date of the account’s oldest delinquency bucket, in UTC. Useful when used with the delinquency state transition’s `created_time` to determine the total number of days a payment is past due. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
bucket_count decimal Conditionally returned	Number of buckets for the account after the triggering event occurred. Allowable Values: Any integer
is_rolled_back boolean Returned	A value of `true` indicates that the system invalidated and rolled back the delinquency transition. This is a temporary field that allows Marqeta to handle occasional cases of out-of-order processing. This can occur when two delinquency state transition webhooks are sent near-simultaneously. For example, if a credit and a payment that bring an account current are made around the same time, two delinquency state transitions are sent very close together. In these cases, one of the transitions is rolled back and invalidated. For the transition that is rolled back, `is_rolled_back` is `true` and the transition should be ignored. This field is temporary and to be deprecated when out-of-order processing is addressed in a future release. Allowable Values: `true`, `false`
created_time datetime Returned	Date and time when the delinquency state transition 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 delinquency state transition was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "token": "delinquency_transition_token_1",
  "account_token": "account_token_1",
  "transition_trigger_reason": "STATEMENT_GENERATION",
  "transition_trigger_time": "2023-05-01T09:23:36.046Z",
  "original_status": "DELINQUENT",
  "status": "DELINQUENT",
  "impact_time": "2023-05-01T03:59:59.999Z",
  "total_past_due": 160,
  "current_due": 41.58,
  "total_due": 201.58,
  "oldest_payment_due_date": "2023-02-01T04:59:59.999Z",
  "bucket_count": 4,
  "is_rolled_back": false,
  "created_time": "2023-05-01T09:23:36.910Z",
  "updated_time": "2023-05-01T09:23:36.910Z"
}

Resend credit event notification

Action: POST
Endpoint: /credit/webhooks/{event_type}/{resource_token} Resends a credit event notification to your webhook endpoint. Although you send this request as a POST, all parameters are passed in the URL and the body is empty. The event notification is resent to your webhook endpoint and also returned in the response to this request. For details on how to configure your webhook endpoint, see the About Webhooks tutorial. For the complete /webhooks endpoint reference, see Webhooks.

URL path parameters

Fields	Description
event_type string Required	Specifies the type of event you want to resend. Allowable Values: `ledgerentry`, `journalentry`, `accounttransition`, `accountstatement`, `paymenttransition`, `delinquencytransition`, `paymentreminders`, `substatus`, `accountsignupbonus`
resource_token string Required	Unique identifier of the resource for which you want to resend a notification. - Send a `GET` request to `/credit/accounts/{account_token}/journalentries` to retrieve existing journal entry tokens. - Send a `GET` request to `/credit/accounts/{account_token}/ledgerentries` to retrieve existing ledger entry tokens. - Send a `GET` request to `/accounts/{account_token}/accounttransitions` to retrieve existing account transition tokens. - Send a `GET` request to `/credit/accounts/{account_token}/payments/{payment_token}` to retrieve existing payment transition tokens. - Send a `GET` request to `/accounts/{account_token}/statements` to retrieve existing statement summary tokens. - Send a `GET` request to `/accounts/{account_token}/delinquencystate/transitions` to retrieve existing delinquency state transition tokens. - Send a `GET` request to `/accounts/{account_token}/statements/{statement_summary_token}/paymentreminders/{token}` to retrieve existing payment reminder tokens. - Send a `GET` request to `/credit/substatuses` to retrieve existing substatus tokens. - Send a `GET` request to `/credit/accounts` to retrieve existing credit account tokens and identify the specific account for the resend event. Allowable Values: Existing journal entry token, ledger entry token, account transition token, payment transition token, statement summary token, delinquency transition token, or substatus token

Response body

Fields	Description
unused string Conditionally returned	Event notification that was resent to your webhook endpoint. Allowable Values: Valid event notification

Sample response body

The following code block shows a sample of a resent creditaccounttransitions event.

JSON

{
  "token": "my_credit_account_transition_token1234",
  "account_token": "my_credit_account_token1234",
  "original_status": "UNACTIVATED",
  "status": "ACTIVE",
  "created_time": "2024-08-18T20:25:10.408Z"
}

The following code block shows a sample of a resent creditaccountstatements event.

JSON

{
  "token": "my_credit_account_statement_token",
  "account_token": "my_credit_account_token",
  "opening_balance": 496.45,
  "closing_balance": 506.41,
  "credit_limit": 500,
  "available_credit": 0,
  "past_due_amount": 10,
  "purchases": 0,
  "interest": 4.96,
  "fees": 15,
  "credits": 0,
  "payments": 10,
  "days_in_billing_cycle": 31,
  "cycle_type": "REVOLVING",
  "opening_date": "2025-03-01T05:00:00.000Z",
  "closing_date": "2025-04-01T03:59:59.999Z",
  "created_time": "2023-08-18T22:04:31.261Z"
}

The following code block shows a sample of a resent creditjournalentries event.

JSON

{
  "token": "my_journal_entry_token1234",
  "related_token": null,
  "root_token": null,
  "account_token": "my_credit_account_token1234",
  "card_token": "my_credit_card_token1234",
  "status": "PENDING",
  "group": "PURCHASE",
  "type": "authorization",
  "id": "12345678",
  "amount": 10,
  "currency_code": "USD",
  "memo": "Jane's Bakery",
  "request_time": "2024-08-18T22:06:52.000Z",
  "impact_time": "2024-08-18T22:07:21.422Z",
  "created_time": "2024-08-18T22:07:21.422Z",
  "dispute_token": null,
  "detail_token": "my_detail_token1234",
  "detail_object": {
    "type": "authorization",
    "state": "PENDING",
    "identifier": "234",
    "token": "my_detail_token1234",
    "user_token": "my_user_token",
    "acting_user_token": "my_user_token",
    "card_token": "my_credit_card_token1234",
    "gpa": {
      "currency_code": "USD",
      "ledger_balance": 510.87,
      "available_balance": 0,
      "credit_balance": 0,
      "pending_credits": 0,
      "impacted_amount": -10,
      "balances": {
        "USD": {
          "currency_code": "USD",
          "ledger_balance": 510.87,
          "available_balance": 0,
          "credit_balance": 0,
          "pending_credits": 0,
          "impacted_amount": -10
        }
      }
    },
    "gpa_order": {
      "token": "my_gpa_order_token1234",
      "amount": 10,
      "created_time": "2024-08-18T22:06:53Z",
      "last_modified_time": "2024-08-18T22:06:53Z",
      "transaction_token": "my_transaction_token1234",
      "state": "PENDING",
      "response": {
        "code": "0000",
        "memo": "Approved or completed successfully"
      },
      "funding": {
        "amount": 10,
        "source": {
          "type": "programgateway",
          "token": "**********1ab2",
          "active": true,
          "name": "credit_backed_funding_source",
          "is_default_account": false,
          "created_time": "2024-10-14T17:26:35Z",
          "last_modified_time": "2024-10-14T17:26:35Z"
        },
        "gateway_log": {
          "order_number": "my_gateway_token12345",
          "transaction_id": "my_transaction_id1234",
          "message": "Approved or completed successfully",
          "duration": 485,
          "timed_out": false,
          "response": {
            "code": "200",
            "data": {
              "jit_funding": {
                "token": "my_jit_funding_token1234",
                "method": "pgfs.authorization",
                "user_token": "my_user_token",
                "acting_user_token": "my_user_token",
                "amount": 10
              }
            }
          }
        }
      },
      "funding_source_token": "**********1ab2",
      "jit_funding": {
        "token": "my_transaction_id1234",
        "method": "pgfs.authorization",
        "user_token": "my_user_token",
        "acting_user_token": "my_user_token",
        "amount": 10
      },
      "user_token": "my_user_token",
      "currency_code": "USD"
    },
    "duration": 837,
    "created_time": "2024-08-18T22:06:52Z",
    "user_transaction_time": "2024-08-18T22:06:52Z",
    "settlement_date": "2024-08-18T00:00:00Z",
    "request_amount": 10,
    "amount": 10,
    "currency_code": "USD",
    "approval_code": "974406",
    "response": {
      "code": "0000",
      "memo": "Approved or completed successfully"
    },
    "network": "DISCOVER",
    "acquirer_fee_amount": 0,
    "acquirer": {
      "system_trace_audit_number": "376582"
    },
    "user": {
      "metadata": {
        "key1": "value1",
        "key2": "value2",
        "notification_email": "user@domain.com",
        "notification_language": "spa"
      }
    },
    "card": {
      "last_four": "9949",
      "metadata": {}
    },
    "issuer_received_time": "2024-08-18T22:06:52.771Z",
    "issuer_payment_node": "f8205a67b12b90d695b15704a64c074b",
    "network_reference_id": "484311571095",
    "card_acceptor": {
      "mid": "1234",
      "mcc": "6411",
      "name": "Jane's Bakery",
      "street_address": "1989 Fillmore St",
      "city": "San Francisco",
      "state": "CA",
      "postal_code": "94115",
      "country_code": "USA"
    },
    "pos": {
      "pin_present": false,
      "partial_approval_capable": true,
      "purchase_amount_only": false,
      "is_recurring": false,
      "is_installment": false
    }
  }
}

The following code block shows a sample of a resent creditledgerentries event.

JSON

{
  "token": "my_ledger_entry_token1234",
  "related_token": null,
  "root_token": null,
  "account_token": "my_credit_account_token1234",
  "card_token": "my_credit_card_token1234",
  "status": "PENDING",
  "group": "PURCHASE",
  "type": "authorization",
  "id": "12345678",
  "amount": 10,
  "currency_code": "USD",
  "memo": "Jane's Bakery",
  "request_time": "2024-08-18T22:06:52.000Z",
  "impact_time": "2024-08-18T22:07:21.422Z",
  "created_time": "2024-08-18T22:07:21.422Z",
  "dispute_token": null,
  "detail_token": "my_detail_token1234",
  "detail_object": {
    "type": "authorization",
    "state": "PENDING",
    "identifier": "234",
    "token": "my_detail_token1234",
    "user_token": "my_user_token",
    "acting_user_token": "my_user_token",
    "card_token": "my_credit_card_token1234",
    "gpa": {
      "currency_code": "USD",
      "ledger_balance": 510.87,
      "available_balance": 0,
      "credit_balance": 0,
      "pending_credits": 0,
      "impacted_amount": -10,
      "balances": {
        "USD": {
          "currency_code": "USD",
          "ledger_balance": 510.87,
          "available_balance": 0,
          "credit_balance": 0,
          "pending_credits": 0,
          "impacted_amount": -10
        }
      }
    },
    "gpa_order": {
      "token": "my_gpa_order_token1234",
      "amount": 10,
      "created_time": "2024-08-18T22:06:53Z",
      "last_modified_time": "2024-08-18T22:06:53Z",
      "transaction_token": "my_transaction_token1234",
      "state": "PENDING",
      "response": {
        "code": "0000",
        "memo": "Approved or completed successfully"
      },
      "funding": {
        "amount": 10,
        "source": {
          "type": "programgateway",
          "token": "**********1ab2",
          "active": true,
          "name": "credit_backed_funding_source",
          "is_default_account": false,
          "created_time": "2024-10-14T17:26:35Z",
          "last_modified_time": "2024-10-14T17:26:35Z"
        },
        "gateway_log": {
          "order_number": "my_gateway_token12345",
          "transaction_id": "my_transaction_id1234",
          "message": "Approved or completed successfully",
          "duration": 485,
          "timed_out": false,
          "response": {
            "code": "200",
            "data": {
              "jit_funding": {
                "token": "my_jit_funding_token1234",
                "method": "pgfs.authorization",
                "user_token": "my_user_token",
                "acting_user_token": "my_user_token",
                "amount": 10
              }
            }
          }
        }
      },
      "funding_source_token": "**********1ab2",
      "jit_funding": {
        "token": "my_transaction_id1234",
        "method": "pgfs.authorization",
        "user_token": "my_user_token",
        "acting_user_token": "my_user_token",
        "amount": 10
      },
      "user_token": "my_user_token",
      "currency_code": "USD"
    },
    "duration": 837,
    "created_time": "2024-08-18T22:06:52Z",
    "user_transaction_time": "2024-08-18T22:06:52Z",
    "settlement_date": "2024-08-18T00:00:00Z",
    "request_amount": 10,
    "amount": 10,
    "currency_code": "USD",
    "approval_code": "974406",
    "response": {
      "code": "0000",
      "memo": "Approved or completed successfully"
    },
    "network": "DISCOVER",
    "acquirer_fee_amount": 0,
    "acquirer": {
      "system_trace_audit_number": "376582"
    },
    "user": {
      "metadata": {
        "key1": "value1",
        "key2": "value2",
        "notification_email": "user@domain.com",
        "notification_language": "spa"
      }
    },
    "card": {
      "last_four": "9949",
      "metadata": {}
    },
    "issuer_received_time": "2024-08-18T22:06:52.771Z",
    "issuer_payment_node": "f8205a67b12b90d695b15704a64c074b",
    "network_reference_id": "484311571095",
    "card_acceptor": {
      "mid": "1234",
      "mcc": "6411",
      "name": "Jane's Bakery",
      "street_address": "1989 Fillmore St",
      "city": "San Francisco",
      "state": "CA",
      "postal_code": "94115",
      "country_code": "USA"
    },
    "pos": {
      "pin_present": false,
      "partial_approval_capable": true,
      "purchase_amount_only": false,
      "is_recurring": false,
      "is_installment": false
    }
  }
}

The following code block shows a sample of a resent creditpaymenttransitions event.

JSON

{
  "token": "my_payment_transition_token1234",
  "account_token": "my_credit_account_token1234",
  "payment_token": "my_credit_account_payment_token1234",
  "status": "COMPLETED",
  "refund_details": null,
  "created_time": "2024-08-17T18:26:47.591Z"
}

The following code block shows a sample of a resent creditdelinquencytransitions event.

JSON

{
  "token": "my_delinquency_transition_token1234",
  "account_token": "my_credit_account_token1234",
  "transition_trigger_reason": "STATEMENT_GENERATION",
  "transition_trigger_time": "2024-03-01 04:59:59.999",
  "original_status": "CURRENT",
  "status": "DELINQUENT",
  "impact_time": "2024-03-01 04:59:59.999",
  "total_past_due": 100,
  "current_due": 40,
  "total_due": 140,
  "oldest_payment_due_date": "2023-02-01 04:59:59.999",
  "bucket_count": 2,
  "is_rolled_back": false,
  "created_time": "2024-03-01 04:59:59.999",
  "updated_time": "2024-03-01 04:59:59.999"
}

The following code block shows a sample of a resent substatus event.

JSON

{
  "token": "substatus_token",
  "resource_type": "ACCOUNT",
  "resource_token": "my_account_token",
  "substatus": "FRAUD",
  "state": "INACTIVE",
  "is_active": false,
  "attributes": [],
  "created_time": "2024-04-02T11:23:23Z",
  "updated_time": "2024-04-02T11:23:23Z",
  "events": [
    {
      "state": "ACTIVE",
      "channel": "SYSTEM",
      "reason": "Fraud system detected suspicious activity",
      "effective_date": "2024-04-02T11:23:23Z",
      "created_time": "2024-04-02T11:23:23Z"
    },
    {
      "state": "INACTIVE",
      "channel": "ADMIN",
      "reason": "Verified non-fraud with cardholder",
      "effective_date": "2024-04-02T11:23:23Z",
      "created_time": "2024-04-02T11:23:23Z"
    }
  ]
}

The following code block shows a sample of a resent accountsignupbonus event.

JSON

{
  "token": "my_accountsignupbonus_token",
  "account_token": "my_account_token",
  "type": "STATEMENT_CREDIT",
  "status": "ISSUED",
  "accrual_start_time": "2024-04-02T11:23:23Z",
  "maturity_time": "2024-04-02T11:23:23Z",
  "spend_total": 10,
  "reward_token": "my_reward_token",
  "journal_entry_token": "my_journal_entry_token"
}

​Retrieve delinquency state

​URL path parameters

​Response body

​Sample response body

​List delinquency state transitions

​URL path parameters

​URL query parameters

​Response body

​Sample response body

​Retrieve delinquency state transition

​URL path parameters

​Response body

​Sample response body

​Resend credit event notification

​URL path parameters

​Response body

​Sample response body

Retrieve delinquency state

URL path parameters

Response body

Sample response body

List delinquency state transitions

URL path parameters

URL query parameters

Response body

Sample response body

Retrieve delinquency state transition

URL path parameters

Response body

Sample response body

Resend credit event notification

URL path parameters

Response body

Sample response body