Create application
Action:POSTEndpoint:
/credit/applications
Create a new application.
Request body
| Name | Type | Required? | Description | Allowable Values |
|---|---|---|---|---|
| token | string | Optional | Unique identifier of the application. | 36 char max |
| type | string | Optional | Type of application. | CREDIT_DECISION, PREQUALIFICATION |
| user_token | string | Required | Unique identifier of the applicant, the user applying for a credit account. | 36 char max |
| bundle_token | string | Required | Unique identifier of the bundle associated with the application. | 36 char max |
| soct_tracking_token | string | Required | The 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_token | string | Required | The 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_token | string | Required | The 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_token | string | Optional | The 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_token | string | Optional | The 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_type | string | Required | Whether the user owns or rents their residence, or has another situation. Required when retrieving an application. | OWN, RENT, OTHER |
| monthly_mortgage_or_rent | decimal | Required | Monthly amount of the mortgage or rent that the user currently pays. Required when retrieving an application. | 0–99999.99 |
| total_annual_income | decimal | Required | The total amount of the user’s annual income. Required when retrieving an application. | 0–99999999.99 |
| primary_income_source | string | Required | Whether 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_income | boolean | Required | A value of true indicates that the user has a non-taxable income source. Required when retrieving an application. | true, false |
| device_data | object | Optional | Contains 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.provider | string | Optional | The provider of the embedded component. | IOVATION |
| device_data.data | string | Optional | The data generated by the embedded component. | Example: { ipv4: "1.1.1.1", fingerprint: "abcdef0123456789"} |
| meta_data | object | Optional | Customer-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_id | string | Optional | Unique 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
| Name | Type | Required? | Description | Allowable Values |
|---|---|---|---|---|
| token | string | Returned | Unique identifier of the application. | 36 char max |
| type | string | Returned | Type of application. | CREDIT_DECISION, PREQUALIFICATION |
| state | string | Returned | State 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_token | string | Returned | Unique identifier of the applicant, the user applying for a credit account. | 36 char max |
| bundle_token | string | Returned | Unique identifier of the bundle associated with the application. | 36 char max |
| account_token | string | Conditionally returned | Unique identifier of the credit account for which the user is applying. Returned when retrieving an application in the APPROVED state. | 36 char max |
| residence_type | string | Conditionally returned | Whether the user owns or rents their residence, or has another situation. | OWN, RENT, OTHER |
| monthly_mortgage_or_rent | decimal | Conditionally returned | Monthly amount of the mortgage or rent that the user currently pays. | Format: 0.00 |
| total_annual_income | decimal | Conditionally returned | The total amount of the user’s annual income. | Format: 0.00 |
| primary_income_source | string | Conditionally returned | Whether the primary income source comes from the user being employed, unemployed, self-employment, or another situation. | EMPLOYED, UNEMPLOYED, SELF_EMPLOYED, OTHER |
| any_non_taxable_income | boolean | Conditionally returned | A value of true indicates that the user has a non-taxable income source. | true, false |
| decision_token | string | Conditionally returned | Unique identifier of the decision made on the application. | 36 char max |
| decision_model | object | Conditionally returned | Contains 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_date | datetime | Conditionally returned | Date and time when the decision on the application was rendered, in UTC. | Format: yyyy-MM-ddThh:mm:ssZ |
| decision_model.credit_limit | integer | Conditionally returned | The maximum line of credit extended to the user, also the maximum balance the credit account can carry. | Any integer |
| decision_model.purchase_apr | decimal | Conditionally returned | The purchase APR approved for the user. | Format: 0.00 |
| decision_model.prime_rate | decimal | Conditionally returned | The current prime rate set by the Fed. | Format: 0.00 |
| decision_model.margin | decimal | Conditionally returned | Number of percentage points added to the prime rate, used to calculate the purchase APR. | Format: 0.00 |
| decision_model.card_product_level | string | Conditionally returned | The tier of the card product. | PREMIUM, TRADITIONAL |
| decision_model.received_best_rate | boolean | Conditionally returned | A 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_factors | array of strings | Conditionally returned | Factors that the bureau used to determine the user’s credit score. | Example: `[ |
| decision_model.credit_score | integer | Conditionally returned | The user’s credit score. | A valid credit score |
| decision_model.credit_score_date | date | Conditionally returned | Date and time when the credit score went into effect. | Format: yyyy-MM-dd |
| decision_model.score_range | string | Conditionally returned | The range in which the user’s credit score falls. | 64 char max |
| decision_model.created_date | datetime | Conditionally returned | Date and time when the decision model was created on the Marqeta platform, in UTC. | Format: yyyy-MM-ddThh:mm:ssZ |
| decision_model.denial_reasons | array of strings | Conditionally returned | An array of reasons that explain why the application was declined. | Example: `[ |
| decision_model.adverse_action_template_code | string | Conditionally returned | Indicates 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 related | AA0, AA1, AA2, AA3, AA4 |
| decision_model.credit_bureau | object | Conditionally returned | Contains information on the credit bureau. | Existing credit_bureau object. |
| decision_model.credit_bureau.name | string | Returned | Name of the credit bureau used to obtain the user’s credit data. | EXPERIAN, EQUIFAX, TransUnion Customer Relations |
| decision_model.credit_bureau.address | object | Returned | Contains information on the address of the credit bureau. | Existing address object. |
| decision_model.credit_bureau.address.address1 | string | Returned | Street address. | 255 char max |
| decision_model.credit_bureau.address.address2 | string | Conditionally returned | Additional address information. | 255 char max |
| decision_model.credit_bureau.address.city | string | Returned | Address city. | 255 char max |
| decision_model.credit_bureau.address.state | string | Returned | Address state. | 255 char max |
| decision_model.credit_bureau.address.zip | string | Returned | Address ZIP code. | 255 char max |
| decision_model.credit_bureau.phone_number | string | Returned | Phone number of the credit bureau. | Example: 5555555555 |
| decision_model.credit_bureau.website | string | Returned | Website of the credit bureau. | A valid URL |
| decision_model.expire_date | date | Conditionally returned | Date when the decision model expires. | Format: yyyy-MM-dd |
| decision_model.token | string | Conditionally returned | Unique identifier of the decision model. See decision_model.status for the current state of the application. | 64 char max |
| decision_model.user_token | string | Conditionally returned | Unique identifier of the applicant, the user applying for a credit account. | 64 char max |
| decision_model.application_token | string | Conditionally returned | Unique identifier of the application. | 64 char max |
| decision_model.submitted_date_time | datetime | Conditionally returned | Date and time when the decision was submitted, in UTC. | Format: yyyy-MM-ddThh:mm:ssZ |
| decision_model.decision_id | string | Conditionally returned | Unique 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.status | string | Conditionally returned | Status of the decision on the application. | SUBMITTED, DECISIONING, MANUAL_REVIEW, APPROVED, DECLINED, EXPIRED, REJECTED, ERROR |
| soct_accepted_at | datetime | Returned | Date 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_at | datetime | Returned | Date 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_at | datetime | Conditionally returned | Date 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_at | datetime | Returned | Date 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_at | datetime | Returned | Date 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_at | datetime | Conditionally returned | Date 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_at | datetime | Conditionally returned | Date 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_at | datetime | Conditionally returned | Date 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_at | datetime | Conditionally returned | Date and time when Marqeta accepted the Rewards Disclosure, in UTC. Returned if the user accepted their approved application. | yyyy-MM-ddThh:mm:ssZ |
| created_date | datetime | Returned | Date and time when the application was created on the Marqeta platform, in UTC. | Format: yyyy-MM-ddThh:mm:ssZ |
| updated_date | datetime | Returned | Date and time when the application was last updated on the Marqeta platform, in UTC. | Format: yyyy-MM-ddThh:mm:ssZ |
| application_accepted_at | datetime | Conditionally returned | Date 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_at | datetime | Conditionally returned | Date and time when the application was canceled on the Marqeta platform, in UTC. | Format: yyyy-MM-ddThh:mm:ssZ |
| device_data | object | Conditionally returned | Contains 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.provider | string | Conditionally returned | The provider of the embedded component. | IOVATION |
| device_data.data | string | Conditionally returned | The data generated by the embedded component. | Example: { ipv4: "1.1.1.1", fingerprint: "abcdef0123456789"} |
| error_details | object | Conditionally returned | Contains details on an application error. | Existing error_details object |
| error_details.token | string | Returned | Unique identifier of the error details. | 36 char max |
| error_details.application_token | string | Returned | Unique identifier of the application that resulted in an error. | 36 char max |
| error_details.type | string | Returned | Type of error. | VALIDATION, TIMEOUT, UPSTREAM, DOWNSTREAM, UNKNOWN |
| error_details.message | string | Returned | Message describing the error. | 255 char max |
| meta_data | object | Conditionally returned | Customer-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_id | string | Conditionally returned | Unique 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:GETEndpoint:
/credit/applications/{token}
Retrieve a specific application.
URL path parameters
| Name | Type | Required? | Description | Allowable Values |
|---|---|---|---|---|
| token | string | Required | Unique identifier of the application to retrieve. | Existing application token |
URL query parameters
| Name | Type | Required? | Description | Allowable Values |
|---|---|---|---|---|
| expand | array of strings | Optional | Embeds the specified object into the response. | DEVICE_DATA, INCLUDE_DECISION, INCLUDE_ERROR |
Response body
| Name | Type | Required? | Description | Allowable Values |
|---|---|---|---|---|
| token | string | Returned | Unique identifier of the application. | 36 char max |
| type | string | Returned | Type of application. | CREDIT_DECISION, PREQUALIFICATION |
| state | string | Returned | State 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_token | string | Returned | Unique identifier of the applicant, the user applying for a credit account. | 36 char max |
| bundle_token | string | Returned | Unique identifier of the bundle associated with the application. | 36 char max |
| account_token | string | Conditionally returned | Unique identifier of the credit account for which the user is applying. Returned when retrieving an application in the APPROVED state. | 36 char max |
| residence_type | string | Conditionally returned | Whether the user owns or rents their residence, or has another situation. | OWN, RENT, OTHER |
| monthly_mortgage_or_rent | decimal | Conditionally returned | Monthly amount of the mortgage or rent that the user currently pays. | Format: 0.00 |
| total_annual_income | decimal | Conditionally returned | The total amount of the user’s annual income. | Format: 0.00 |
| primary_income_source | string | Conditionally returned | Whether the primary income source comes from the user being employed, unemployed, self-employment, or another situation. | EMPLOYED, UNEMPLOYED, SELF_EMPLOYED, OTHER |
| any_non_taxable_income | boolean | Conditionally returned | A value of true indicates that the user has a non-taxable income source. | true, false |
| decision_token | string | Conditionally returned | Unique identifier of the decision made on the application. | 36 char max |
| decision_model | object | Conditionally returned | Contains 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_date | datetime | Conditionally returned | Date and time when the decision on the application was rendered, in UTC. | Format: yyyy-MM-ddThh:mm:ssZ |
| decision_model.credit_limit | integer | Conditionally returned | The maximum line of credit extended to the user, also the maximum balance the credit account can carry. | Any integer |
| decision_model.purchase_apr | decimal | Conditionally returned | The purchase APR approved for the user. | Format: 0.00 |
| decision_model.prime_rate | decimal | Conditionally returned | The current prime rate set by the Fed. | Format: 0.00 |
| decision_model.margin | decimal | Conditionally returned | Number of percentage points added to the prime rate, used to calculate the purchase APR. | Format: 0.00 |
| decision_model.card_product_level | string | Conditionally returned | The tier of the card product. | PREMIUM, TRADITIONAL |
| decision_model.received_best_rate | boolean | Conditionally returned | A 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_factors | array of strings | Conditionally returned | Factors that the bureau used to determine the user’s credit score. | Example: `[ |
| decision_model.credit_score | integer | Conditionally returned | The user’s credit score. | A valid credit score |
| decision_model.credit_score_date | date | Conditionally returned | Date and time when the credit score went into effect. | Format: yyyy-MM-dd |
| decision_model.score_range | string | Conditionally returned | The range in which the user’s credit score falls. | 64 char max |
| decision_model.created_date | datetime | Conditionally returned | Date and time when the decision model was created on the Marqeta platform, in UTC. | Format: yyyy-MM-ddThh:mm:ssZ |
| decision_model.denial_reasons | array of strings | Conditionally returned | An array of reasons that explain why the application was declined. | Example: `[ |
| decision_model.adverse_action_template_code | string | Conditionally returned | Indicates 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 related | AA0, AA1, AA2, AA3, AA4 |
| decision_model.credit_bureau | object | Conditionally returned | Contains information on the credit bureau. | Existing credit_bureau object. |
| decision_model.credit_bureau.name | string | Returned | Name of the credit bureau used to obtain the user’s credit data. | EXPERIAN, EQUIFAX, TransUnion Customer Relations |
| decision_model.credit_bureau.address | object | Returned | Contains information on the address of the credit bureau. | Existing address object. |
| decision_model.credit_bureau.address.address1 | string | Returned | Street address. | 255 char max |
| decision_model.credit_bureau.address.address2 | string | Conditionally returned | Additional address information. | 255 char max |
| decision_model.credit_bureau.address.city | string | Returned | Address city. | 255 char max |
| decision_model.credit_bureau.address.state | string | Returned | Address state. | 255 char max |
| decision_model.credit_bureau.address.zip | string | Returned | Address ZIP code. | 255 char max |
| decision_model.credit_bureau.phone_number | string | Returned | Phone number of the credit bureau. | Example: 5555555555 |
| decision_model.credit_bureau.website | string | Returned | Website of the credit bureau. | A valid URL |
| decision_model.expire_date | date | Conditionally returned | Date when the decision model expires. | Format: yyyy-MM-dd |
| decision_model.token | string | Conditionally returned | Unique identifier of the decision model. See decision_model.status for the current state of the application. | 64 char max |
| decision_model.user_token | string | Conditionally returned | Unique identifier of the applicant, the user applying for a credit account. | 64 char max |
| decision_model.application_token | string | Conditionally returned | Unique identifier of the application. | 64 char max |
| decision_model.submitted_date_time | datetime | Conditionally returned | Date and time when the decision was submitted, in UTC. | Format: yyyy-MM-ddThh:mm:ssZ |
| decision_model.decision_id | string | Conditionally returned | Unique 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.status | string | Conditionally returned | Status of the decision on the application. | SUBMITTED, DECISIONING, MANUAL_REVIEW, APPROVED, DECLINED, EXPIRED, REJECTED, ERROR |
| soct_accepted_at | datetime | Returned | Date 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_at | datetime | Returned | Date 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_at | datetime | Conditionally returned | Date 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_at | datetime | Returned | Date 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_at | datetime | Returned | Date 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_at | datetime | Conditionally returned | Date 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_at | datetime | Conditionally returned | Date 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_at | datetime | Conditionally returned | Date 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_at | datetime | Conditionally returned | Date and time when Marqeta accepted the Rewards Disclosure, in UTC. Returned if the user accepted their approved application. | yyyy-MM-ddThh:mm:ssZ |
| created_date | datetime | Returned | Date and time when the application was created on the Marqeta platform, in UTC. | Format: yyyy-MM-ddThh:mm:ssZ |
| updated_date | datetime | Returned | Date and time when the application was last updated on the Marqeta platform, in UTC. | Format: yyyy-MM-ddThh:mm:ssZ |
| application_accepted_at | datetime | Conditionally returned | Date 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_at | datetime | Conditionally returned | Date and time when the application was canceled on the Marqeta platform, in UTC. | Format: yyyy-MM-ddThh:mm:ssZ |
| device_data | object | Conditionally returned | Contains 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.provider | string | Conditionally returned | The provider of the embedded component. | IOVATION |
| device_data.data | string | Conditionally returned | The data generated by the embedded component. | Example: { ipv4: "1.1.1.1", fingerprint: "abcdef0123456789"} |
| error_details | object | Conditionally returned | Contains details on an application error. | Existing error_details object |
| error_details.token | string | Returned | Unique identifier of the error details. | 36 char max |
| error_details.application_token | string | Returned | Unique identifier of the application that resulted in an error. | 36 char max |
| error_details.type | string | Returned | Type of error. | VALIDATION, TIMEOUT, UPSTREAM, DOWNSTREAM, UNKNOWN |
| error_details.message | string | Returned | Message describing the error. | 255 char max |
| meta_data | object | Conditionally returned | Customer-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_id | string | Conditionally returned | Unique 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:POSTEndpoint:
/credit/applications/{token}/transitions
Transition the current state of an application to a new state.
URL path parameters
| Name | Type | Required? | Description | Allowable Values |
|---|---|---|---|---|
| token | string | Required | Unique identifier of the application whose state you want to transition. | Existing application token |
Request body
| Name | Type | Required? | Description | Allowable Values |
|---|---|---|---|---|
| token | string | Optional | Main identifier of the resource, also used as the idempotency key on the request. | 36 char max |
| terms_schedule_tracking_token | string | Optional | The 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 ACCEPTED | 36 char max |
| card_member_agreement_tracking_token | string | Optional | The 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 ACCEPTED | 36 char max |
| benefits_disclosure_tracking_token | string | Optional | The 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 ACCEPTED | 36 char max |
| rewards_disclosure_post_terms_tracking_token | string | Optional | The 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 ACCEPTED | 36 char max |
| application_state | string | Required | State 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
| Name | Type | Required? | Description | Allowable Values |
|---|---|---|---|---|
| token | string | Conditionally returned | Unique identifier of the transition of an application’s state. | 36 char max |
| application_token | string | Conditionally returned | Unique identifier of the application whose state you transitioned. | 36 char max |
| original_status | string | Conditionally returned | State 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 |
| status | string | Conditionally returned | State 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_time | datetime | Conditionally returned | Date 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:GETEndpoint:
/credit/applications/{token}/transitions
Retrieve an array of transitions on a specific application.
URL path parameters
| Name | Type | Required? | Description | Allowable Values |
|---|---|---|---|---|
| token | string | Required | The unique identifier of the application for which you want to retrieve transitions. | Existing application token |
Response body
| Name | Type | Required? | Description | Allowable Values |
|---|---|---|---|---|
| count | integer | Returned | Number of resources to retrieve. | 1-100 |
| start_index | integer | Returned | Sort order index of the first resource in the returned array. | Any integer |
| end_index | integer | Returned | Sort order index of the last resource in the returned array. | Any integer |
| is_more | boolean | Returned | A value of true indicates that more unreturned resources exist. | true, false |
| data | array of objects | Returned | An array of application transition objects. | Valid transition array |
| data[].token | string | Conditionally returned | Unique identifier of the transition of an application’s state. | 36 char max |
| data[].application_token | string | Conditionally returned | Unique identifier of the application whose state you transitioned. | 36 char max |
| data[].original_status | string | Conditionally returned | State 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[].status | string | Conditionally returned | State 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_time | datetime | Conditionally returned | Date 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:GETEndpoint:
/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_DISCLOSURECARD_MEMBER_AGREEMENTE_DISCLOSURENOAAPRIVACY_POLICYREWARDS_DISCLOSURE_PRE_TERMSREWARDS_DISCLOSURE_POST_TERMSSOCTTERMS_SCHEDULE
URL query parameters
| Name | Type | Required? | Description | Allowable Values |
|---|---|---|---|---|
| bundle_token | string | Optional | Unique 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_TERMSSOCT | Existing bundle token |
| application_token | string | Optional | Unique 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_SCHEDULE | Existing application token |
Response body
| Name | Type | Required? | Description | Allowable Values |
|---|---|---|---|---|
| file_type | string | Returned | Type 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 |
| links | object | Returned | Contains links to the file in different formats. | Existing links object |
| links.json | string | Conditionally returned | Link to the JSON version of the file. | A valid URL |
| links.html | string | Conditionally returned | Link to the HTML version of the file. | A valid URL |
| links.pdf | string | Conditionally returned | Link to the PDF version of the file. | A valid URL |
| tracking_token | string | Conditionally returned | Unique 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"
}
}
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:GETEndpoint:
/credit/applications/files/{type}
Retrieve a specific type of file on a bundle or application.
URL path parameters
| Name | Type | Required? | Description | Allowable Values |
|---|---|---|---|---|
| type | string | Required | The 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
| Name | Type | Required? | Description | Allowable Values |
|---|---|---|---|---|
| bundle_token | string | Optional | Unique 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_TERMSSOCT | Existing bundle token |
| application_token | string | Optional | Unique identifier of the application on which you want to retrieve a file. Required if retrieving one of the following files: BENEFITS_DISCLOSURENOAA * TERMS_SCHEDULE | Existing application token |
Response body
| Name | Type | Required? | Description | Allowable Values |
|---|---|---|---|---|
| file_type | string | Returned | Type 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 |
| links | object | Returned | Contains links to the file in different formats. | Existing links object |
| links.json | string | Conditionally returned | Link to the JSON version of the file. | A valid URL |
| links.html | string | Conditionally returned | Link to the HTML version of the file. | A valid URL |
| links.pdf | string | Conditionally returned | Link to the PDF version of the file. | A valid URL |
| tracking_token | string | Conditionally returned | Unique 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"
}