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Marqeta’s credit platform’s credit applications feature enables you to create and manage credit account applications and retrieve disclosures that you can show to an applicant during the application process. To receive webhook notifications when application transition events occur, see Credit application transition events in Event Types.

Create application

Action: POST
Endpoint: /credit/applications
Create a new application.

Request body

NameTypeRequired?DescriptionAllowable Values
tokenstringOptionalUnique identifier of the application.36 char max
typestringOptionalType of application.CREDIT_DECISION, PREQUALIFICATION
user_tokenstringRequiredUnique identifier of the applicant, the user applying for a credit account.36 char max
bundle_tokenstringRequiredUnique identifier of the bundle associated with the application.36 char max
soct_tracking_tokenstringRequiredThe tracking token of the Summary of Credit Terms (SOCT). This is the tracking_token returned in the SOCT object when sending a GET request to the /credit/applications/files endpoint before a decision on the application is made.36 char max
privacy_policy_tracking_tokenstringRequiredThe tracking token of the Privacy Policy. This is the tracking_token returned in the PRIVACY_POLICY object when sending a GET request to the /credit/applications/files endpoint before a decision on the application is made.36 char max
e_disclosure_tracking_tokenstringRequiredThe tracking token of the eDisclosure. This is the tracking_token returned in the E_DISCLOSURE object when sending a GET request to the /credit/applications/files endpoint before a decision on the application is made.36 char max
rewards_disclosure_pre_terms_tracking_tokenstringOptionalThe tracking token of the Rewards Disclosure Pre-terms. This is the tracking_token returned in the REWARDS_DISCLOSURE_PRE_TERMS object when sending a GET request to the /credit/applications/files endpoint before a decision on the application is made.36 char max
prequalified_offer_pre_terms_tracking_tokenstringOptionalThe tracking token of the Pre-qualified Offer Pre-Terms. This is the tracking_token returned in the PREQUALIFICATION_PRE_TERMS object when sending a GET request to the /credit/applications/files endpoint before a decision on the application is made.36 char max
residence_typestringRequiredWhether the user owns or rents their residence, or has another situation. Required when retrieving an application.OWN, RENT, OTHER
monthly_mortgage_or_rentdecimalRequiredMonthly amount of the mortgage or rent that the user currently pays. Required when retrieving an application.0–99999.99
total_annual_incomedecimalRequiredThe total amount of the user’s annual income. Required when retrieving an application.0–99999999.99
primary_income_sourcestringRequiredWhether the primary income source comes from the user being employed, unemployed, self-employment, or another situation. Required when retrieving an application.EMPLOYED, UNEMPLOYED, SELF_EMPLOYED, OTHER
any_non_taxable_incomebooleanRequiredA value of true indicates that the user has a non-taxable income source. Required when retrieving an application.true, false
device_dataobjectOptionalContains information on user’s device fingerprint. Usually obtained through a component embedded in the application. Required if application type is PREQUALIFICATION.Existing device_data object
device_data.providerstringOptionalThe provider of the embedded component.IOVATION
device_data.datastringOptionalThe data generated by the embedded component.Example: { ipv4: "1.1.1.1", fingerprint: "abcdef0123456789"}
meta_dataobjectOptionalCustomer-defined additional information about the application.You can define the names and values of up to 20 fields in the format "my_name_1": "my_value_1"
offer_idstringOptionalUnique identifier of the offer for a pre-screened applicant.36 char max

Sample request body

JSON
{
  "token": "application_token_1111",
  "user_token": "user_token_1111",
  "bundle_token": "bundle_token_1111",
  "soct_tracking_token": "tracking_token_HAiOjE2Y1Nri3fPDg",
  "privacy_policy_tracking_token": "tracking_token_ImlzcyI6ImxJQ1k",
  "e_disclosure_tracking_token": "tracking_token_X3NoybmxsEtQ0mZ",
  "rewards_disclosure_pre_terms_tracking_token": "tracking_token_ZjNmZ0MzIyNDYs",
  "prequalified_offer_pre_terms_tracking_token": "tracking_token_D0VufJpbGZhdC",
  "residence_type": "OWN",
  "monthly_mortgage_or_rent": 1200,
  "total_annual_income": 95000,
  "primary_income_source": "SELF_EMPLOYED",
  "any_non_taxable_income": false
}

Response body

NameTypeRequired?DescriptionAllowable Values
tokenstringReturnedUnique identifier of the application.36 char max
typestringReturnedType of application.CREDIT_DECISION, PREQUALIFICATION
statestringReturnedState of the application. If manually transitioning an application state: application_state is the state to which you want to transition the application status; must be ACCEPTED or REJECTED.original_status returns the state of the application before it was manually transitioned. * status returns the state to which the application was transitioned.CREATED, DECISIONING, MANUAL_REVIEW, EXPIRED, APPROVED, REJECTED, ACCEPTED, DECLINED, ERROR
user_tokenstringReturnedUnique identifier of the applicant, the user applying for a credit account.36 char max
bundle_tokenstringReturnedUnique identifier of the bundle associated with the application.36 char max
account_tokenstringConditionally returnedUnique identifier of the credit account for which the user is applying. Returned when retrieving an application in the APPROVED state.36 char max
residence_typestringConditionally returnedWhether the user owns or rents their residence, or has another situation.OWN, RENT, OTHER
monthly_mortgage_or_rentdecimalConditionally returnedMonthly amount of the mortgage or rent that the user currently pays.Format: 0.00
total_annual_incomedecimalConditionally returnedThe total amount of the user’s annual income.Format: 0.00
primary_income_sourcestringConditionally returnedWhether the primary income source comes from the user being employed, unemployed, self-employment, or another situation.EMPLOYED, UNEMPLOYED, SELF_EMPLOYED, OTHER
any_non_taxable_incomebooleanConditionally returnedA value of true indicates that the user has a non-taxable income source.true, false
decision_tokenstringConditionally returnedUnique identifier of the decision made on the application.36 char max
decision_modelobjectConditionally returnedContains information on the decision model returned by the issuing bank if a decision has been rendered. Returned when retrieving an application after a decision has been rendered.Valid decision_model object
decision_model.decision_datedatetimeConditionally returnedDate and time when the decision on the application was rendered, in UTC.Format: yyyy-MM-ddThh:mm:ssZ
decision_model.credit_limitintegerConditionally returnedThe maximum line of credit extended to the user, also the maximum balance the credit account can carry.Any integer
decision_model.purchase_aprdecimalConditionally returnedThe purchase APR approved for the user.Format: 0.00
decision_model.prime_ratedecimalConditionally returnedThe current prime rate set by the Fed.Format: 0.00
decision_model.margindecimalConditionally returnedNumber of percentage points added to the prime rate, used to calculate the purchase APR.Format: 0.00
decision_model.card_product_levelstringConditionally returnedThe tier of the card product.PREMIUM, TRADITIONAL
decision_model.received_best_ratebooleanConditionally returnedA value of true indicates that the user received the credit product’s best APR. If false, you must display to the user the following: score_factors, credit_score, credit_score_date, credit_bureau, score_range.true, false
decision_model.score_factorsarray of stringsConditionally returnedFactors that the bureau used to determine the user’s credit score.Example: `[
decision_model.credit_scoreintegerConditionally returnedThe user’s credit score.A valid credit score
decision_model.credit_score_datedateConditionally returnedDate and time when the credit score went into effect.Format: yyyy-MM-dd
decision_model.score_rangestringConditionally returnedThe range in which the user’s credit score falls.64 char max
decision_model.created_datedatetimeConditionally returnedDate and time when the decision model was created on the Marqeta platform, in UTC.Format: yyyy-MM-ddThh:mm:ssZ
decision_model.denial_reasonsarray of stringsConditionally returnedAn array of reasons that explain why the application was declined.Example: `[
decision_model.adverse_action_template_codestringConditionally returnedIndicates the version of the Notice of Adverse Action (NOAA) template used. Can have these possible values: ** AA0 - score denial with score disclosure ** AA1 - individual reason with score disclosure ** AA2 - individual reason without score disclosure ** AA3 - locked and frozen * AA4 - fraud relatedAA0, AA1, AA2, AA3, AA4
decision_model.credit_bureauobjectConditionally returnedContains information on the credit bureau.Existing credit_bureau object.
decision_model.credit_bureau.namestringReturnedName of the credit bureau used to obtain the user’s credit data.EXPERIAN, EQUIFAX, TransUnion Customer Relations
decision_model.credit_bureau.addressobjectReturnedContains information on the address of the credit bureau.Existing address object.
decision_model.credit_bureau.address.address1stringReturnedStreet address.255 char max
decision_model.credit_bureau.address.address2stringConditionally returnedAdditional address information.255 char max
decision_model.credit_bureau.address.citystringReturnedAddress city.255 char max
decision_model.credit_bureau.address.statestringReturnedAddress state.255 char max
decision_model.credit_bureau.address.zipstringReturnedAddress ZIP code.255 char max
decision_model.credit_bureau.phone_numberstringReturnedPhone number of the credit bureau.Example: 5555555555
decision_model.credit_bureau.websitestringReturnedWebsite of the credit bureau.A valid URL
decision_model.expire_datedateConditionally returnedDate when the decision model expires.Format: yyyy-MM-dd
decision_model.tokenstringConditionally returnedUnique identifier of the decision model. See decision_model.status for the current state of the application.64 char max
decision_model.user_tokenstringConditionally returnedUnique identifier of the applicant, the user applying for a credit account.64 char max
decision_model.application_tokenstringConditionally returnedUnique identifier of the application.64 char max
decision_model.submitted_date_timedatetimeConditionally returnedDate and time when the decision was submitted, in UTC.Format: yyyy-MM-ddThh:mm:ssZ
decision_model.decision_idstringConditionally returnedUnique identifier of the decision made based on the decision model. See decision_model.status for the current state of the application.64 char max
decision_model.statusstringConditionally returnedStatus of the decision on the application.SUBMITTED, DECISIONING, MANUAL_REVIEW, APPROVED, DECLINED, EXPIRED, REJECTED, ERROR
soct_accepted_atdatetimeReturnedDate and time when Marqeta accepted the Summary of Credit Terms (SOCT), in UTC. Returned if the user accepted their approved application.Format: yyyy-MM-ddThh:mm:ssZ
e_disclosure_accepted_atdatetimeReturnedDate and time when Marqeta accepted the e-Disclosure, in UTC. Returned if the user accepted their approved application.Format: yyyy-MM-ddThh:mm:ssZ
prequalified_offer_pre_terms_accepted_atdatetimeConditionally returnedDate and time when Marqeta accepted the Pre-qualified Offer Pre-terms, in UTC. Returned if the user accepted their approved application.Format: yyyy-MM-ddThh:mm:ssZ
rewards_disclosure_pre_terms_accepted_atdatetimeReturnedDate and time when Marqeta accepted the Rewards Disclosure, in UTC. Returned if the user accepted their approved application.Format: yyyy-MM-ddThh:mm:ssZ
privacy_policy_accepted_atdatetimeReturnedDate and time when Marqeta accepted the Privacy Policy, in UTC. Returned if the user accepted their approved application.Format: yyyy-MM-ddThh:mm:ssZ
card_membership_agreement_accepted_atdatetimeConditionally returnedDate and time when Marqeta accepted the Card Membership Agreement, in UTC. Returned if the user accepted their approved application.Format: yyyy-MM-ddThh:mm:ssZ
term_schedule_information_accepted_atdatetimeConditionally returnedDate and time when Marqeta accepted the Terms Schedule, in UTC. Returned if the user accepted their approved application.Format: yyyy-MM-ddThh:mm:ssZ
benefits_disclosure_accepted_atdatetimeConditionally returnedDate and time when Marqeta accepted the Benefits Disclosure, in UTC. Returned if the user accepted their approved application.Format: yyyy-MM-ddThh:mm:ssZ
rewards_disclosure_post_terms_accepted_atdatetimeConditionally returnedDate and time when Marqeta accepted the Rewards Disclosure, in UTC. Returned if the user accepted their approved application.yyyy-MM-ddThh:mm:ssZ
created_datedatetimeReturnedDate and time when the application was created on the Marqeta platform, in UTC.Format: yyyy-MM-ddThh:mm:ssZ
updated_datedatetimeReturnedDate and time when the application was last updated on the Marqeta platform, in UTC.Format: yyyy-MM-ddThh:mm:ssZ
application_accepted_atdatetimeConditionally returnedDate and time when the application was accepted on the Marqeta platform, in UTC. Returned if the user accepted their approved application.Format: yyyy-MM-ddThh:mm:ssZ
application_canceled_atdatetimeConditionally returnedDate and time when the application was canceled on the Marqeta platform, in UTC.Format: yyyy-MM-ddThh:mm:ssZ
device_dataobjectConditionally returnedContains information on user’s device fingerprint. Usually obtained through a component embedded in the application. Required if application type is PREQUALIFICATION.Existing device_data object
device_data.providerstringConditionally returnedThe provider of the embedded component.IOVATION
device_data.datastringConditionally returnedThe data generated by the embedded component.Example: { ipv4: "1.1.1.1", fingerprint: "abcdef0123456789"}
error_detailsobjectConditionally returnedContains details on an application error.Existing error_details object
error_details.tokenstringReturnedUnique identifier of the error details.36 char max
error_details.application_tokenstringReturnedUnique identifier of the application that resulted in an error.36 char max
error_details.typestringReturnedType of error.VALIDATION, TIMEOUT, UPSTREAM, DOWNSTREAM, UNKNOWN
error_details.messagestringReturnedMessage describing the error.255 char max
meta_dataobjectConditionally returnedCustomer-defined additional information about the application.You can define the names and values of up to 20 fields in the format "my_name_1": "my_value_1"
offer_idstringConditionally returnedUnique identifier of the offer for a pre-screened applicant.36 char max

Sample response body

JSON
{
  "token": "application_token_1111",
  "type": "CREDIT_DECISION",
  "state": "CREATED",
  "user_token": "user_token_1111",
  "bundle_token": "bundle_token_1111",
  "account_token": "account_token_1111",
  "residence_type": "OWN",
  "monthly_mortgage_or_rent": 1200,
  "total_annual_income": 95000,
  "primary_income_source": "SELF_EMPLOYED",
  "any_non_taxable_income": false,
  "decision_token": "decision_token_1111",
  "soct_accepted_at": "2022-07-07T19:47:46.181Z",
  "e_disclosure_accepted_at": "2022-07-07T19:47:46.184Z",
  "rewards_disclosure_pre_terms_accepted_at": "2022-07-07T19:47:46.187Z",
  "privacy_policy_accepted_at": "2022-07-07T19:47:46.188Z",
  "created_date": "2022-07-07T19:47:46.268Z",
  "updated_date": "2022-07-07T19:47:46.268Z"
}

Retrieve application

Action: GET
Endpoint: /credit/applications/{token}
Retrieve a specific application.

URL path parameters

NameTypeRequired?DescriptionAllowable Values
tokenstringRequiredUnique identifier of the application to retrieve.Existing application token

URL query parameters

NameTypeRequired?DescriptionAllowable Values
expandarray of stringsOptionalEmbeds the specified object into the response.DEVICE_DATA, INCLUDE_DECISION, INCLUDE_ERROR

Response body

NameTypeRequired?DescriptionAllowable Values
tokenstringReturnedUnique identifier of the application.36 char max
typestringReturnedType of application.CREDIT_DECISION, PREQUALIFICATION
statestringReturnedState of the application. If manually transitioning an application state: application_state is the state to which you want to transition the application status; must be ACCEPTED or REJECTED.original_status returns the state of the application before it was manually transitioned. * status returns the state to which the application was transitioned.CREATED, DECISIONING, MANUAL_REVIEW, EXPIRED, APPROVED, REJECTED, ACCEPTED, DECLINED, ERROR
user_tokenstringReturnedUnique identifier of the applicant, the user applying for a credit account.36 char max
bundle_tokenstringReturnedUnique identifier of the bundle associated with the application.36 char max
account_tokenstringConditionally returnedUnique identifier of the credit account for which the user is applying. Returned when retrieving an application in the APPROVED state.36 char max
residence_typestringConditionally returnedWhether the user owns or rents their residence, or has another situation.OWN, RENT, OTHER
monthly_mortgage_or_rentdecimalConditionally returnedMonthly amount of the mortgage or rent that the user currently pays.Format: 0.00
total_annual_incomedecimalConditionally returnedThe total amount of the user’s annual income.Format: 0.00
primary_income_sourcestringConditionally returnedWhether the primary income source comes from the user being employed, unemployed, self-employment, or another situation.EMPLOYED, UNEMPLOYED, SELF_EMPLOYED, OTHER
any_non_taxable_incomebooleanConditionally returnedA value of true indicates that the user has a non-taxable income source.true, false
decision_tokenstringConditionally returnedUnique identifier of the decision made on the application.36 char max
decision_modelobjectConditionally returnedContains information on the decision model returned by the issuing bank if a decision has been rendered. Returned when retrieving an application after a decision has been rendered.Valid decision_model object
decision_model.decision_datedatetimeConditionally returnedDate and time when the decision on the application was rendered, in UTC.Format: yyyy-MM-ddThh:mm:ssZ
decision_model.credit_limitintegerConditionally returnedThe maximum line of credit extended to the user, also the maximum balance the credit account can carry.Any integer
decision_model.purchase_aprdecimalConditionally returnedThe purchase APR approved for the user.Format: 0.00
decision_model.prime_ratedecimalConditionally returnedThe current prime rate set by the Fed.Format: 0.00
decision_model.margindecimalConditionally returnedNumber of percentage points added to the prime rate, used to calculate the purchase APR.Format: 0.00
decision_model.card_product_levelstringConditionally returnedThe tier of the card product.PREMIUM, TRADITIONAL
decision_model.received_best_ratebooleanConditionally returnedA value of true indicates that the user received the credit product’s best APR. If false, you must display to the user the following: score_factors, credit_score, credit_score_date, credit_bureau, score_range.true, false
decision_model.score_factorsarray of stringsConditionally returnedFactors that the bureau used to determine the user’s credit score.Example: `[
decision_model.credit_scoreintegerConditionally returnedThe user’s credit score.A valid credit score
decision_model.credit_score_datedateConditionally returnedDate and time when the credit score went into effect.Format: yyyy-MM-dd
decision_model.score_rangestringConditionally returnedThe range in which the user’s credit score falls.64 char max
decision_model.created_datedatetimeConditionally returnedDate and time when the decision model was created on the Marqeta platform, in UTC.Format: yyyy-MM-ddThh:mm:ssZ
decision_model.denial_reasonsarray of stringsConditionally returnedAn array of reasons that explain why the application was declined.Example: `[
decision_model.adverse_action_template_codestringConditionally returnedIndicates the version of the Notice of Adverse Action (NOAA) template used. Can have these possible values: ** AA0 - score denial with score disclosure ** AA1 - individual reason with score disclosure ** AA2 - individual reason without score disclosure ** AA3 - locked and frozen * AA4 - fraud relatedAA0, AA1, AA2, AA3, AA4
decision_model.credit_bureauobjectConditionally returnedContains information on the credit bureau.Existing credit_bureau object.
decision_model.credit_bureau.namestringReturnedName of the credit bureau used to obtain the user’s credit data.EXPERIAN, EQUIFAX, TransUnion Customer Relations
decision_model.credit_bureau.addressobjectReturnedContains information on the address of the credit bureau.Existing address object.
decision_model.credit_bureau.address.address1stringReturnedStreet address.255 char max
decision_model.credit_bureau.address.address2stringConditionally returnedAdditional address information.255 char max
decision_model.credit_bureau.address.citystringReturnedAddress city.255 char max
decision_model.credit_bureau.address.statestringReturnedAddress state.255 char max
decision_model.credit_bureau.address.zipstringReturnedAddress ZIP code.255 char max
decision_model.credit_bureau.phone_numberstringReturnedPhone number of the credit bureau.Example: 5555555555
decision_model.credit_bureau.websitestringReturnedWebsite of the credit bureau.A valid URL
decision_model.expire_datedateConditionally returnedDate when the decision model expires.Format: yyyy-MM-dd
decision_model.tokenstringConditionally returnedUnique identifier of the decision model. See decision_model.status for the current state of the application.64 char max
decision_model.user_tokenstringConditionally returnedUnique identifier of the applicant, the user applying for a credit account.64 char max
decision_model.application_tokenstringConditionally returnedUnique identifier of the application.64 char max
decision_model.submitted_date_timedatetimeConditionally returnedDate and time when the decision was submitted, in UTC.Format: yyyy-MM-ddThh:mm:ssZ
decision_model.decision_idstringConditionally returnedUnique identifier of the decision made based on the decision model. See decision_model.status for the current state of the application.64 char max
decision_model.statusstringConditionally returnedStatus of the decision on the application.SUBMITTED, DECISIONING, MANUAL_REVIEW, APPROVED, DECLINED, EXPIRED, REJECTED, ERROR
soct_accepted_atdatetimeReturnedDate and time when Marqeta accepted the Summary of Credit Terms (SOCT), in UTC. Returned if the user accepted their approved application.Format: yyyy-MM-ddThh:mm:ssZ
e_disclosure_accepted_atdatetimeReturnedDate and time when Marqeta accepted the e-Disclosure, in UTC. Returned if the user accepted their approved application.Format: yyyy-MM-ddThh:mm:ssZ
prequalified_offer_pre_terms_accepted_atdatetimeConditionally returnedDate and time when Marqeta accepted the Pre-qualified Offer Pre-terms, in UTC. Returned if the user accepted their approved application.Format: yyyy-MM-ddThh:mm:ssZ
rewards_disclosure_pre_terms_accepted_atdatetimeReturnedDate and time when Marqeta accepted the Rewards Disclosure, in UTC. Returned if the user accepted their approved application.Format: yyyy-MM-ddThh:mm:ssZ
privacy_policy_accepted_atdatetimeReturnedDate and time when Marqeta accepted the Privacy Policy, in UTC. Returned if the user accepted their approved application.Format: yyyy-MM-ddThh:mm:ssZ
card_membership_agreement_accepted_atdatetimeConditionally returnedDate and time when Marqeta accepted the Card Membership Agreement, in UTC. Returned if the user accepted their approved application.Format: yyyy-MM-ddThh:mm:ssZ
term_schedule_information_accepted_atdatetimeConditionally returnedDate and time when Marqeta accepted the Terms Schedule, in UTC. Returned if the user accepted their approved application.Format: yyyy-MM-ddThh:mm:ssZ
benefits_disclosure_accepted_atdatetimeConditionally returnedDate and time when Marqeta accepted the Benefits Disclosure, in UTC. Returned if the user accepted their approved application.Format: yyyy-MM-ddThh:mm:ssZ
rewards_disclosure_post_terms_accepted_atdatetimeConditionally returnedDate and time when Marqeta accepted the Rewards Disclosure, in UTC. Returned if the user accepted their approved application.yyyy-MM-ddThh:mm:ssZ
created_datedatetimeReturnedDate and time when the application was created on the Marqeta platform, in UTC.Format: yyyy-MM-ddThh:mm:ssZ
updated_datedatetimeReturnedDate and time when the application was last updated on the Marqeta platform, in UTC.Format: yyyy-MM-ddThh:mm:ssZ
application_accepted_atdatetimeConditionally returnedDate and time when the application was accepted on the Marqeta platform, in UTC. Returned if the user accepted their approved application.Format: yyyy-MM-ddThh:mm:ssZ
application_canceled_atdatetimeConditionally returnedDate and time when the application was canceled on the Marqeta platform, in UTC.Format: yyyy-MM-ddThh:mm:ssZ
device_dataobjectConditionally returnedContains information on user’s device fingerprint. Usually obtained through a component embedded in the application. Required if application type is PREQUALIFICATION.Existing device_data object
device_data.providerstringConditionally returnedThe provider of the embedded component.IOVATION
device_data.datastringConditionally returnedThe data generated by the embedded component.Example: { ipv4: "1.1.1.1", fingerprint: "abcdef0123456789"}
error_detailsobjectConditionally returnedContains details on an application error.Existing error_details object
error_details.tokenstringReturnedUnique identifier of the error details.36 char max
error_details.application_tokenstringReturnedUnique identifier of the application that resulted in an error.36 char max
error_details.typestringReturnedType of error.VALIDATION, TIMEOUT, UPSTREAM, DOWNSTREAM, UNKNOWN
error_details.messagestringReturnedMessage describing the error.255 char max
meta_dataobjectConditionally returnedCustomer-defined additional information about the application.You can define the names and values of up to 20 fields in the format "my_name_1": "my_value_1"
offer_idstringConditionally returnedUnique identifier of the offer for a pre-screened applicant.36 char max

Sample response body

JSON
{
  "token": "application_token_1111",
  "type": "CREDIT_DECISION",
  "state": "APPROVED",
  "user_token": "user_token_1111",
  "bundle_token": "bundle_token_1111",
  "account_token": "account_token_1111",
  "residence_type": "OWN",
  "monthly_mortgage_or_rent": 1200,
  "total_annual_income": 95000,
  "primary_income_source": "SELF_EMPLOYED",
  "any_non_taxable_income": false,
  "decision_token": "decision_token_1111",
  "decision_model": {
    "decision_date": "2022-07-07T00:00:00Z",
    "credit_limit": 15000,
    "purchase_apr": 23.25,
    "prime_rate": 3.25,
    "margin": 20,
    "card_product_level": "TRADITIONAL",
    "received_best_rate": false,
    "score_factors": [
      "[TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED",
      " LACK OF RECENT INSTALLMENT LOAN INFORMATION",
      " TOO MANY ACCOUNTS WITH BALANCES",
      " LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED]"
    ],
    "credit_score": 821,
    "credit_score_date": "2022-07-07",
    "score_range": "300-850",
    "created_date": "2022-07-07T19:47:47Z",
    "denial_reasons": [
      "[]"
    ],
    "credit_bureau": {
      "name": "TransUnion Customer Relations",
      "address": {
        "address1": "2 Baldwin Place",
        "address2": "P.O. Box 1000",
        "city": "Chester",
        "state": "PA",
        "zip": "19016"
      },
      "phone_number": "1-800-888-4213",
      "website": "www.transunion.com"
    },
    "token": "b660b53c-0971-4ca2-b2cf-fc8739e860da",
    "user_token": "user_token_1111",
    "application_token": "0467ff1b-798a-492a-a743-f490a3ccd892",
    "submitted_date_time": "2022-07-07T19:47:47Z",
    "decision_id": "ee7325e7-d13e-40db-8498-a784b76adc7d",
    "status": "APPROVED"
  },
  "soct_accepted_at": "2022-07-07T19:47:46Z",
  "e_disclosure_accepted_at": "2022-07-07T19:47:46Z",
  "rewards_disclosure_pre_terms_accepted_at": "2022-07-07T19:47:46Z",
  "privacy_policy_accepted_at": "2022-07-07T19:47:46Z",
  "created_date": "2022-07-07T19:47:46Z",
  "updated_date": "2022-07-07T19:48:16Z"
}

Transition application state

Action: POST
Endpoint: /credit/applications/{token}/transitions
Transition the current state of an application to a new state.

URL path parameters

NameTypeRequired?DescriptionAllowable Values
tokenstringRequiredUnique identifier of the application whose state you want to transition.Existing application token

Request body

NameTypeRequired?DescriptionAllowable Values
tokenstringOptionalMain identifier of the resource, also used as the idempotency key on the request.36 char max
terms_schedule_tracking_tokenstringOptionalThe tracking token of the Terms Schedule. This is the tracking_token returned in the TERMS_SCHEDULE object when sending a GET request to the /credit/applications/files endpoint before the user makes a decision on their approved application. Required if transitioning application state to ACCEPTED36 char max
card_member_agreement_tracking_tokenstringOptionalThe tracking token of the Card Member Agreement. This is the tracking_token returned in the CARD_MEMBER_AGREEMENT object when sending a GET request to the /credit/applications/files endpoint before the user makes a decision on their approved application. Required if transitioning application state to ACCEPTED36 char max
benefits_disclosure_tracking_tokenstringOptionalThe tracking token of the Benefits Disclosure. This is the tracking_token returned in the BENEFITS_DISCLOSURE object when sending a GET request to the /credit/applications/files endpoint before the user makes a decision on their approved application. Required if transitioning application state to ACCEPTED36 char max
rewards_disclosure_post_terms_tracking_tokenstringOptionalThe tracking token of the Rewards Disclosure Post-terms. This is the tracking_token returned in the REWARDS_DISCLOSURE_POST_TERMS object when sending a GET request to the /credit/applications/files endpoint before the user makes a decision on their approved application. Required if transitioning application state to ACCEPTED36 char max
application_statestringRequiredState of the application. If manually transitioning an application state: application_state is the state to which you want to transition the application status; must be ACCEPTED or REJECTED.original_status returns the state of the application before it was manually transitioned. * status returns the state to which the application was transitioned.CREATED, DECISIONING, MANUAL_REVIEW, EXPIRED, APPROVED, REJECTED, ACCEPTED, DECLINED, ERROR

Sample request body

JSON
{
  "terms_schedule_tracking_token": "tracking_token_CpkwJCoqzucVnJNwj5BsKC9e5",
  "card_member_agreement_tracking_token": "tracking_token_c1YjY2NjBlOGEiLCJzdGF0Z",
  "benefits_disclosure_tracking_token": "tracking_token_JXRapWJL2BI4EwdNqjBBvpI5",
  "rewards_disclosure_post_terms_tracking_token": "tracking_token_ZjNmZ0MzIyNDYsImlhdCI",
  "application_state": "ACCEPTED"
}

Response body

NameTypeRequired?DescriptionAllowable Values
tokenstringConditionally returnedUnique identifier of the transition of an application’s state.36 char max
application_tokenstringConditionally returnedUnique identifier of the application whose state you transitioned.36 char max
original_statusstringConditionally returnedState of the application. If manually transitioning an application state: application_state is the state to which you want to transition the application status; must be ACCEPTED or REJECTED.original_status returns the state of the application before it was manually transitioned. * status returns the state to which the application was transitioned.CREATED, DECISIONING, MANUAL_REVIEW, EXPIRED, APPROVED, REJECTED, ACCEPTED, DECLINED, ERROR
statusstringConditionally returnedState of the application. If manually transitioning an application state: application_state is the state to which you want to transition the application status; must be ACCEPTED or REJECTED.original_status returns the state of the application before it was manually transitioned. * status returns the state to which the application was transitioned.CREATED, DECISIONING, MANUAL_REVIEW, EXPIRED, APPROVED, REJECTED, ACCEPTED, DECLINED, ERROR
created_timedatetimeConditionally returnedDate and time when the application changed states on the Marqeta platform, in UTC.Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON
{
  "token": "app_state_transition_token_1111",
  "application_token": "application_token_1111",
  "original_status": "APPROVED",
  "status": "ACCEPTED",
  "created_time": "2019-08-24T14:15:22Z"
}

List application transitions

Action: GET
Endpoint: /credit/applications/{token}/transitions
Retrieve an array of transitions on a specific application.

URL path parameters

NameTypeRequired?DescriptionAllowable Values
tokenstringRequiredThe unique identifier of the application for which you want to retrieve transitions.Existing application token

Response body

NameTypeRequired?DescriptionAllowable Values
countintegerReturnedNumber of resources to retrieve.1-100
start_indexintegerReturnedSort order index of the first resource in the returned array.Any integer
end_indexintegerReturnedSort order index of the last resource in the returned array.Any integer
is_morebooleanReturnedA value of true indicates that more unreturned resources exist.true, false
dataarray of objectsReturnedAn array of application transition objects.Valid transition array
data[].tokenstringConditionally returnedUnique identifier of the transition of an application’s state.36 char max
data[].application_tokenstringConditionally returnedUnique identifier of the application whose state you transitioned.36 char max
data[].original_statusstringConditionally returnedState of the application. If manually transitioning an application state: application_state is the state to which you want to transition the application status; must be ACCEPTED or REJECTED.original_status returns the state of the application before it was manually transitioned. * status returns the state to which the application was transitioned.CREATED, DECISIONING, MANUAL_REVIEW, EXPIRED, APPROVED, REJECTED, ACCEPTED, DECLINED, ERROR
data[].statusstringConditionally returnedState of the application. If manually transitioning an application state: application_state is the state to which you want to transition the application status; must be ACCEPTED or REJECTED.original_status returns the state of the application before it was manually transitioned. * status returns the state to which the application was transitioned.CREATED, DECISIONING, MANUAL_REVIEW, EXPIRED, APPROVED, REJECTED, ACCEPTED, DECLINED, ERROR
data[].created_timedatetimeConditionally returnedDate and time when the application changed states on the Marqeta platform, in UTC.Format: yyyy-MM-ddThh:mm:ssZ

List files on a bundle or application

Action: GET
Endpoint: /credit/applications/files
Retrieve an array of files on a bundle or application Each top-level object returned in the array contains the fields documented in the response body. The name of each object is its corresponding file type:
  • BENEFITS_DISCLOSURE
  • CARD_MEMBER_AGREEMENT
  • E_DISCLOSURE
  • NOAA
  • PRIVACY_POLICY
  • REWARDS_DISCLOSURE_PRE_TERMS
  • REWARDS_DISCLOSURE_POST_TERMS
  • SOCT
  • TERMS_SCHEDULE

URL query parameters

NameTypeRequired?DescriptionAllowable Values
bundle_tokenstringOptionalUnique identifier of the bundle whose files you want to retrieve. The following file types are returned with the bundle_token: CARD_MEMBER_AGREEMENTE_DISCLOSUREPRIVACY_POLICYREWARDS_DISCLOSURE_PRE_TERMSREWARDS_DISCLOSURE_POST_TERMSSOCTExisting bundle token
application_tokenstringOptionalUnique identifier of the application whose files you want to retrieve. The following file types are returned with the application_token: BENEFITS_DISCLOSURECARD_MEMBER_AGREEMENTE_DISCLOSURENOAAPRIVACY_POLICYREWARDS_DISCLOSURE_PRE_TERMSREWARDS_DISCLOSURE_POST_TERMSSOCT * TERMS_SCHEDULEExisting application token

Response body

NameTypeRequired?DescriptionAllowable Values
file_typestringReturnedType of file. SOCT - The Summary of Credit Terms (SOCT), which outlines the interest rates, interest charges, and fees associated with the credit account being offered to the user.REWARDS_DISCLOSURE_PRE_TERMS - The Rewards Disclosure Pre-terms, which discloses detailed information about the rewards program on the credit account being offered to the user before a decision is rendered on their application. REWARDS_DISCLOSURE_POST_TERMS - The Rewards Disclosure Post-terms, which discloses detailed information about the rewards program on the user’s credit account if their application is approved.BENEFITS_DISCLOSURE - The Benefits Disclosure, which which is given to a user if their application is approved and discloses detailed information about the benefits on the user’s credit account. CARD_MEMBER_AGREEMENT - The Card Member Agreement, which specifies the terms and conditions of the user’s credit account, including the interest rates, interest charges, fees, minimum payment calculations, and more.PRIVACY_POLICY - The Privacy Policy, which explains how the information on the user’s application is collected, handled, and processed. E_DISCLOSURE - The eDisclosure, which states that the user has agreed to receive disclosures electronically.TERMS_SCHEDULE - The Terms Schedule, which is given to a user if their application is approved and specifies the interest rate details on the user’s credit account. * NOAA - The Notice of Adverse Action (NOAA), which is given to a user if their application is declined and informs them of the specific reasons why they were denied a credit account.SOCT, REWARDS_DISCLOSURE_PRE_TERMS, REWARDS_DISCLOSURE_POST_TERMS, BENEFITS_DISCLOSURE, CARD_MEMBER_AGREEMENT, PRIVACY_POLICY, E_DISCLOSURE, TERMS_SCHEDULE, NOAA
linksobjectReturnedContains links to the file in different formats.Existing links object
links.jsonstringConditionally returnedLink to the JSON version of the file.A valid URL
links.htmlstringConditionally returnedLink to the HTML version of the file.A valid URL
links.pdfstringConditionally returnedLink to the PDF version of the file.A valid URL
tracking_tokenstringConditionally returnedUnique identifier used to acknowledge that the file has been disclosed to the applicant. If the file was already disclosed, a null value is returned. NOTE: The tracking token is only valid for 14 calendar days.255 char max

Sample response body

The following code block shows the files returned on a bundle. The name of each top-level object is its corresponding file type.
JSON
{
  "REWARDS_DISCLOSURE_POST_TERMS": {
    "file_type": "REWARDS_DISCLOSURE_POST_TERMS",
    "links": {
      "json": "https://url.com/link_to_json_file",
      "html": "https://url.com/link_to_html_file",
      "pdf": "https://url.com/link_to_pdf_file"
    },
    "tracking_token": "tracking_token_eyJraWQiOiJtODVlYS1I6I"
  },
  "PRIVACY_POLICY": {
    "file_type": "PRIVACY_POLICY",
    "links": {
      "json": "https://url.com/link_to_json_file",
      "html": "https://url.com/link_to_html_file",
      "pdf": "https://url.com/link_to_pdf_file"
    },
    "tracking_token": "tracking_token_ImlzcyI6ImxJQ1kiLD0VufJ"
  },
  "CARD_MEMBER_AGREEMENT": {
    "file_type": "CARD_MEMBER_AGREEMENT",
    "links": {
      "json": "https://url.com/link_to_json_file",
      "html": "https://url.com/link_to_html_file",
      "pdf": "https://url.com/link_to_pdf_file"
    },
    "tracking_token": "tracking_token_c1YjY2NjBlOGEiLCJzdGF0Z"
  },
  "REWARDS_DISCLOSURE_PRE_TERMS": {
    "file_type": "REWARDS_DISCLOSURE_PRE_TERMS",
    "links": {
      "json": "https://url.com/link_to_json_file",
      "html": "https://url.com/link_to_html_file",
      "pdf": "https://url.com/link_to_pdf_file"
    },
    "tracking_token": "tracking_token_ZjNmZ0MzIyNDYsImlhdCI6M"
  },
  "SOCT": {
    "file_type": "SOCT",
    "links": {
      "json": "https://url.com/link_to_json_file",
      "html": "https://url.com/link_to_html_file",
      "pdf": "https://url.com/link_to_pdf_file"
    },
    "tracking_token": "tracking_token_HAiOjE2Y1NzIyMjYri3fPDg"
  },
  "E_DISCLOSURE": {
    "file_type": "E_DISCLOSURE",
    "links": {
      "json": "https://url.com/link_to_json_file",
      "html": "https://url.com/link_to_html_file",
      "pdf": "https://url.com/link_to_pdf_file"
    },
    "tracking_token": "tracking_token_X3NoybmxnaCIsEtQ0mZpbGZ"
  }
}
The following code block shows the files returned on an application if the application is approved. The name of each top-level object is its corresponding file type.
JSON
{
  "REWARDS_DISCLOSURE_POST_TERMS": {
    "file_type": "REWARDS_DISCLOSURE_POST_TERMS",
    "links": {
      "json": "https://url.com/link_to_json_file",
      "html": "https://url.com/link_to_html_file",
      "pdf": "https://url.com/link_to_pdf_file"
    },
    "tracking_token": "tracking_token_eyJraWQiOiJtODVlYS1I6I"
  },
  "PRIVACY_POLICY": {
    "file_type": "PRIVACY_POLICY",
    "links": {
      "json": "https://url.com/link_to_json_file",
      "html": "https://url.com/link_to_html_file",
      "pdf": "https://url.com/link_to_pdf_file"
    }
  },
  "TERMS_SCHEDULE": {
    "file_type": "TERMS_SCHEDULE",
    "links": {
      "json": "https://url.com/link_to_json_file",
      "html": "https://url.com/link_to_html_file",
      "pdf": "https://url.com/link_to_pdf_file"
    },
    "tracking_token": "tracking_token_e4MjgtnaCIsyIJTkciLCJ0e"
  },
  "CARD_MEMBER_AGREEMENT": {
    "file_type": "CARD_MEMBER_AGREEMENT",
    "links": {
      "json": "https://url.com/link_to_json_file",
      "html": "https://url.com/link_to_html_file",
      "pdf": "https://url.com/link_to_pdf_file"
    },
    "tracking_token": "tracking_token_c1YjY2NjBlOGEiLCJzdGF0Z"
  },
  "REWARDS_DISCLOSURE_PRE_TERMS": {
    "file_type": "REWARDS_DISCLOSURE_PRE_TERMS",
    "links": {
      "json": "https://url.com/link_to_json_file",
      "html": "https://url.com/link_to_html_file",
      "pdf": "https://url.com/link_to_pdf_file"
    }
  },
  "SOCT": {
    "file_type": "SOCT",
    "links": {
      "json": "https://url.com/link_to_json_file",
      "html": "https://url.com/link_to_html_file",
      "pdf": "https://url.com/link_to_pdf_file"
    }
  },
  "BENEFITS_DISCLOSURE": {
    "file_type": "BENEFITS_DISCLOSURE",
    "links": {
      "json": "https://url.com/link_to_json_file",
      "html": "https://url.com/link_to_html_file",
      "pdf": "https://url.com/link_to_pdf_file"
    },
    "tracking_token": "tracking_token_yIxO2NvZY4YjEiLCJzi1lNTB"
  },
  "E_DISCLOSURE": {
    "file_type": "E_DISCLOSURE",
    "links": {
      "json": "https://url.com/link_to_json_file",
      "html": "https://url.com/link_to_html_file",
      "pdf": "https://url.com/link_to_pdf_file"
    }
  }
}

Retrieve file on a bundle or application

Action: GET
Endpoint: /credit/applications/files/{type}
Retrieve a specific type of file on a bundle or application.

URL path parameters

NameTypeRequired?DescriptionAllowable Values
typestringRequiredThe type of file to retrieve. SOCT - The Summary of Credit Terms (SOCT), which outlines the interest rates, interest charges, and fees associated with the credit account being offered to the user.REWARDS_DISCLOSURE_PRE_TERMS - The Rewards Disclosure Pre-terms, which discloses detailed information about the rewards program on the credit account being offered to the user before a decision is rendered on their application. REWARDS_DISCLOSURE_POST_TERMS - The Rewards Disclosure Post-terms, which discloses detailed information about the rewards program on the user’s credit account if their application is approved.BENEFITS_DISCLOSURE - The Benefits Disclosure, which which is given to a user if their application is approved and discloses detailed information about the benefits on the user’s credit account. CARD_MEMBER_AGREEMENT - The Card Member Agreement, which specifies the terms and conditions of the user’s credit account, including the interest rates, interest charges, fees, minimum payment calculations, and more.PRIVACY_POLICY - The Privacy Policy, which explains how the information on the user’s application is collected, handled, and processed. E_DISCLOSURE - The eDisclosure, which states that the user has agreed to receive disclosures electronically.TERMS_SCHEDULE - The Terms Schedule, which is given to a user if their application is approved and specifies the interest rate details on the user’s credit account. * NOAA - The Notice of Adverse Action (NOAA), which is given to a user if their application is declined and informs them of the specific reasons why they were denied a credit account.SOCT, REWARDS_DISCLOSURE_PRE_TERMS, REWARDS_DISCLOSURE_POST_TERMS, BENEFITS_DISCLOSURE, CARD_MEMBER_AGREEMENT, PRIVACY_POLICY, E_DISCLOSURE, TERMS_SCHEDULE, NOAA

URL query parameters

NameTypeRequired?DescriptionAllowable Values
bundle_tokenstringOptionalUnique identifier of the bundle on which you want to retrieve a file. Required if retrieving one of the following file types: CARD_MEMBER_AGREEMENTE_DISCLOSUREPRIVACY_POLICYREWARDS_DISCLOSURE_PRE_TERMSREWARDS_DISCLOSURE_POST_TERMSSOCTExisting bundle token
application_tokenstringOptionalUnique identifier of the application on which you want to retrieve a file. Required if retrieving one of the following files: BENEFITS_DISCLOSURENOAA * TERMS_SCHEDULEExisting application token

Response body

NameTypeRequired?DescriptionAllowable Values
file_typestringReturnedType of file. SOCT - The Summary of Credit Terms (SOCT), which outlines the interest rates, interest charges, and fees associated with the credit account being offered to the user.REWARDS_DISCLOSURE_PRE_TERMS - The Rewards Disclosure Pre-terms, which discloses detailed information about the rewards program on the credit account being offered to the user before a decision is rendered on their application. REWARDS_DISCLOSURE_POST_TERMS - The Rewards Disclosure Post-terms, which discloses detailed information about the rewards program on the user’s credit account if their application is approved.BENEFITS_DISCLOSURE - The Benefits Disclosure, which which is given to a user if their application is approved and discloses detailed information about the benefits on the user’s credit account. CARD_MEMBER_AGREEMENT - The Card Member Agreement, which specifies the terms and conditions of the user’s credit account, including the interest rates, interest charges, fees, minimum payment calculations, and more.PRIVACY_POLICY - The Privacy Policy, which explains how the information on the user’s application is collected, handled, and processed. E_DISCLOSURE - The eDisclosure, which states that the user has agreed to receive disclosures electronically.TERMS_SCHEDULE - The Terms Schedule, which is given to a user if their application is approved and specifies the interest rate details on the user’s credit account. * NOAA - The Notice of Adverse Action (NOAA), which is given to a user if their application is declined and informs them of the specific reasons why they were denied a credit account.SOCT, REWARDS_DISCLOSURE_PRE_TERMS, REWARDS_DISCLOSURE_POST_TERMS, BENEFITS_DISCLOSURE, CARD_MEMBER_AGREEMENT, PRIVACY_POLICY, E_DISCLOSURE, TERMS_SCHEDULE, NOAA
linksobjectReturnedContains links to the file in different formats.Existing links object
links.jsonstringConditionally returnedLink to the JSON version of the file.A valid URL
links.htmlstringConditionally returnedLink to the HTML version of the file.A valid URL
links.pdfstringConditionally returnedLink to the PDF version of the file.A valid URL
tracking_tokenstringConditionally returnedUnique identifier used to acknowledge that the file has been disclosed to the applicant. If the file was already disclosed, a null value is returned. NOTE: The tracking token is only valid for 14 calendar days.255 char max

Sample response body

JSON
{
  "file_type": "NOAA",
  "links": {
    "json": "https://url.com/link_to_json_file",
    "html": "https://url.com/link_to_html_file",
    "pdf": "https://url.com/link_to_pdf_file"
  },
  "tracking_token": "tracking_token_Cf7xNsl6vGtHn%2BcTH96zdf"
}