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.Documentation Index
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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
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
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
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
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
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
JSON
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