> ## Documentation Index
> Fetch the complete documentation index at: https://www.marqeta.com/docs/llms.txt
> Use this file to discover all available pages before exploring further.
# Policies
> Use Policies to customize the configurations of policies for documents (such as disclosures), credit products, fees, APRs, and rewards.
export const EndpointCard = ({method = "API", title, children, href, arrow = true}) => {
const METHOD_STYLES = {
GET: {
bg: "mint-bg-green-400/20 dark:mint-bg-green-400/20",
text: "mint-text-green-700 dark:mint-text-green-400",
border: "mint-border-green-300 dark:mint-border-green-700"
},
POST: {
bg: "mint-bg-blue-400/20 dark:mint-bg-blue-400/20",
text: "mint-text-blue-700 dark:mint-text-blue-400"
},
PUT: {
bg: "mint-bg-yellow-400/20 dark:mint-bg-yellow-400/20",
text: "mint-text-yellow-700 dark:mint-text-yellow-400"
},
PATCH: {
bg: "mint-bg-orange-400/20 dark:mint-bg-orange-400/20",
text: "mint-text-orange-700 dark:mint-text-orange-400"
},
DELETE: {
bg: "mint-bg-red-400/20 dark:mint-bg-red-400/20",
text: "mint-text-red-700 dark:mint-text-red-400"
},
API: {
bg: "mint-bg-black",
text: "mint-text-white"
}
};
const MethodBadge = ({method}) => {
const style = METHOD_STYLES[method?.toUpperCase()] ?? METHOD_STYLES.GET;
return
{method?.toUpperCase()}
;
};
const content =
{}
{}
{title}
{children &&
{children}
}
Create document policy
**Action:** `POST`\
**Endpoint:** `/credit/policies/documents`
Create a new document policy, which consists of all the pre- and post-application disclosures and credit program documents known as assets and templates. Assets contain finalized values after a bundle is created; templates do not contain finalized values.
Request body
| Fields | Description |
| --------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| token
string
Optional | Unique identifier of the document policy.
**Allowable Values:**
36 char max |
| name
string
Required | Name of the document policy.
**Allowable Values:**
255 char max |
| summary\_of\_credit\_terms
object
Required | Contains information on the Summary of Credit Terms (SOCT), which is a pre- and post-application disclosure that outlines the terms of an account, such as the interest rates, interest charges, associated fees, and more.
**Allowable Values:**
Existing `summary_of_credit_terms` object |
| summary\_of\_credit\_terms.**asset\_token**
string
Required | Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the SOCT or Rewards Disclosure |
| summary\_of\_credit\_terms.**template\_token**
string
Required | Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. The values are finalized in the asset version of the document.
**Allowable Values:**
Existing template token for the SOCT or Rewards Disclosure |
| rewards\_disclosure
object
Optional | Contains information on the Rewards Disclosure, which is a pre- and post-application disclosure that provides details about the rewards program for a bundle.
**Allowable Values:**
Existing `rewards_disclosure` object |
| rewards\_disclosure.**asset\_token**
string
Required | Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the SOCT or Rewards Disclosure |
| rewards\_disclosure.**template\_token**
string
Required | Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. The values are finalized in the asset version of the document.
**Allowable Values:**
Existing template token for the SOCT or Rewards Disclosure |
| pre\_qualification\_disclosure
object
Optional | Contains information on the prequalification Disclosure, which is a pre-disclosure that provides details about the pre-qualification offer for the user.
**Allowable Values:**
Existing `pre_qualification_disclosure` object |
| pre\_qualification\_disclosure.**asset\_token**
string
Required | Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the SOCT or Rewards Disclosure |
| pre\_qualification\_disclosure.**template\_token**
string
Required | Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. The values are finalized in the asset version of the document.
**Allowable Values:**
Existing template token for the SOCT or Rewards Disclosure |
| terms\_schedule
object
Required | Contains information on the Terms Schedule, which is a post-application disclosure that contains the terms of credit for an account, including the interest rate details.
**Allowable Values:**
Existing `terms_schedule` object |
| terms\_schedule.**template\_token**
string
Required | Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.
**Allowable Values:**
Existing template token for the Terms Schedule, Account Statement, or NOAA |
| benefits\_disclosure\_traditional
object
Required | Contains information on the Benefits Disclosure (Traditional), which is a post-application disclosure that outlines the network benefits of a traditional Mastercard or Visa card.
**Allowable Values:**
Existing `benefits_disclosure_traditional` object |
| benefits\_disclosure\_traditional.**asset\_token**
string
Required | Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement |
| benefits\_disclosure\_premium
object
Required | Contains information on the Benefits Disclosure (Premium), which is a post-application disclosure that outlines the network benefits of a Mastercard World or Visa Signature card.
**Allowable Values:**
Existing `benefits_disclosure_premium` object |
| benefits\_disclosure\_premium.**asset\_token**
string
Required | Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement |
| privacy\_policy
object
Required | Contains information on the Privacy Policy, which is a pre-application disclosure that explains how an applicant’s data is used and managed.
**Allowable Values:**
Existing `privacy_policy` object |
| privacy\_policy.**asset\_token**
string
Required | Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement |
| e\_disclosure
object
Required | Contains information on the eDisclosure, which is a pre-application disclosure that states that users are to receive their disclosures electronically.
**Allowable Values:**
Existing `e_disclosure` object |
| e\_disclosure.**asset\_token**
string
Required | Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement |
| card\_member\_agreement
object
Required | Contains information on the Card Member Agreement, which is a post-application disclosure that specifies the terms and conditions of an account, including the interest rates, interest charges, fees, minimum payment calculations, and more.
**Allowable Values:**
Existing `card_member_agreement` object |
| card\_member\_agreement.**asset\_token**
string
Required | Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement |
| account\_statement
object
Required | Contains information on the Account Statement, which outlines the information that appears on the statements generated for a credit account.
**Allowable Values:**
Existing `account_statement` object |
| account\_statement.**template\_token**
string
Required | Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.
**Allowable Values:**
Existing template token for the Terms Schedule, Account Statement, or NOAA |
| noaa\_single\_reason
object
Required | Contains information on the Notice of Adverse Action (NOAA) used when an application is declined for single reason.
**Allowable Values:**
Existing `noaa_single_reason` object |
| noaa\_single\_reason.**template\_token**
string
Required | Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.
**Allowable Values:**
Existing template token for the Terms Schedule, Account Statement, or NOAA |
| noaa\_single\_reason\_with\_dodd\_frank
object
Required | Contains information on the NOAA used when an application is declined for single reason related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application.
**Allowable Values:**
Existing `noaa_single_reason_with_dodd_frank` object |
| noaa\_single\_reason\_with\_dodd\_frank.**template\_token**
string
Required | Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.
**Allowable Values:**
Existing template token for the Terms Schedule, Account Statement, or NOAA |
| noaa\_multiple\_reason\_with\_dodd\_frank
object
Required | Contains information on the NOAA used when an application is declined for multiple reasons related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application.
**Allowable Values:**
Existing `noaa_multiple_reason_with_dodd_frank` object |
| noaa\_multiple\_reason\_with\_dodd\_frank.**template\_token**
string
Required | Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.
**Allowable Values:**
Existing template token for the Terms Schedule, Account Statement, or NOAA |
Sample request body
```json JSON expandable lines wrap theme={null}
{
"token": "my_document_policy_token_1234",
"name": "My Document Policy",
"summary_of_credit_terms": {
"asset_token": "a_summary_of_credit_terms_asset_token1234",
"template_token": "a_summary_of_credit_terms_template_token1234"
},
"rewards_disclosure": {
"asset_token": "a_rewards_disclosure_asset_token1234",
"template_token": "a_rewards_disclosure_template_token1234"
},
"pre_qualification_disclosure": {
"asset_token": "a_pre_qualification_disclosure_asset_token1234",
"template_token": "a_pre_qualification_disclosure_template_token1234"
},
"terms_schedule": {
"template_token": "a_terms_schedule_template_token1234"
},
"benefits_disclosure_traditional": {
"asset_token": "a_benefits_disclosure_traditional_asset_token1234"
},
"benefits_disclosure_premium": {
"asset_token": "a_benefits_disclosure_premium_asset_token1234"
},
"privacy_policy": {
"asset_token": "a_privacy_policy_asset_token1234"
},
"e_disclosure": {
"asset_token": "a_e_disclosure_asset_token1234"
},
"card_member_agreement": {
"asset_token": "a_card_member_agreement_asset_token1234"
},
"account_statement": {
"template_token": "an_account_statement_template_token1234"
},
"noaa_single_reason": {
"template_token": "an_noaa_single_reason_template_token1234"
},
"noaa_single_reason_with_dodd_frank": {
"template_token": "an_noaa_single_reason_with_dodd_frank_template_token1234"
},
"noaa_multiple_reason_with_dodd_frank": {
"template_token": "an_noaa_multiple_reason_with_dodd_frank_template_token1234"
}
}
```
Response body
| Fields | Description |
| --------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| token
string
Conditionally returned | Unique identifier of the document policy.
**Allowable Values:**
36 char max |
| name
string
Conditionally returned | Name of the document policy.
**Allowable Values:**
255 char max |
| summary\_of\_credit\_terms
object
Conditionally returned | Contains information on the Summary of Credit Terms (SOCT), which is a pre- and post-application disclosure that outlines the terms of an account, such as the interest rates, interest charges, associated fees, and more.
**Allowable Values:**
Existing `summary_of_credit_terms` object |
| summary\_of\_credit\_terms.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the SOCT or Rewards Disclosure |
| summary\_of\_credit\_terms.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| summary\_of\_credit\_terms.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| summary\_of\_credit\_terms.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| summary\_of\_credit\_terms.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| summary\_of\_credit\_terms.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| summary\_of\_credit\_terms.**template\_token**
string
Conditionally returned | Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document.
**Allowable Values:**
Existing template token for the SOCT or Rewards Disclosure |
| summary\_of\_credit\_terms.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| summary\_of\_credit\_terms.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| summary\_of\_credit\_terms.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| rewards\_disclosure
object
Conditionally returned | Contains information on the Rewards Disclosure, which is a pre- and post-application disclosure that provides details about the rewards program for a bundle.
**Allowable Values:**
Existing `rewards_disclosure` object |
| rewards\_disclosure.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the SOCT or Rewards Disclosure |
| rewards\_disclosure.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| rewards\_disclosure.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| rewards\_disclosure.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| rewards\_disclosure.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| rewards\_disclosure.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| rewards\_disclosure.**template\_token**
string
Conditionally returned | Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document.
**Allowable Values:**
Existing template token for the SOCT or Rewards Disclosure |
| rewards\_disclosure.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| rewards\_disclosure.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| rewards\_disclosure.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| pre\_qualification\_disclosure
object
Conditionally returned | Contains information on the Pre-Qualification Disclosure, which is a pre-disclosure that provides details about the pre-qualification offer for the user.
**Allowable Values:**
Existing `pre_qualification_disclosure` object |
| pre\_qualification\_disclosure.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the SOCT or Rewards Disclosure |
| pre\_qualification\_disclosure.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| pre\_qualification\_disclosure.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| pre\_qualification\_disclosure.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| pre\_qualification\_disclosure.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| pre\_qualification\_disclosure.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| pre\_qualification\_disclosure.**template\_token**
string
Conditionally returned | Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document.
**Allowable Values:**
Existing template token for the SOCT or Rewards Disclosure |
| pre\_qualification\_disclosure.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| pre\_qualification\_disclosure.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| pre\_qualification\_disclosure.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| terms\_schedule
object
Conditionally returned | Contains information on the Terms Schedule, which is a post-application disclosure that contains the terms of credit for an account, including the interest rate details.
**Allowable Values:**
Existing `terms_schedule` object |
| terms\_schedule.**template\_token**
string
Conditionally returned | Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.
**Allowable Values:**
Existing template token for the Terms Schedule, Account Statement, or NOAA |
| terms\_schedule.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| terms\_schedule.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| terms\_schedule.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| benefits\_disclosure\_traditional
object
Conditionally returned | Contains information on the Benefits Disclosure (Traditional), which is a post-application disclosure that outlines the network benefits of a traditional Mastercard or Visa card.
**Allowable Values:**
Existing `benefits_disclosure_traditional` object |
| benefits\_disclosure\_traditional.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement |
| benefits\_disclosure\_traditional.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| benefits\_disclosure\_traditional.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| benefits\_disclosure\_traditional.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| benefits\_disclosure\_traditional.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| benefits\_disclosure\_traditional.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| benefits\_disclosure\_premium
object
Conditionally returned | Contains information on the Benefits Disclosure (Premium), which is a post-application disclosure that outlines the network benefits of a Mastercard World or Visa Signature card.
**Allowable Values:**
Existing `benefits_disclosure_premium` object |
| benefits\_disclosure\_premium.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement |
| benefits\_disclosure\_premium.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| benefits\_disclosure\_premium.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| benefits\_disclosure\_premium.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| benefits\_disclosure\_premium.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| benefits\_disclosure\_premium.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| privacy\_policy
object
Conditionally returned | Contains information on the Privacy Policy, which is a pre-application disclosure that explains how an applicant’s data is used and managed.
**Allowable Values:**
Existing `privacy_policy` object |
| privacy\_policy.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement |
| privacy\_policy.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| privacy\_policy.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| privacy\_policy.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| privacy\_policy.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| privacy\_policy.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| e\_disclosure
object
Conditionally returned | Contains information on the eDisclosure, which is a pre-application disclosure that states that users are to receive their disclosures electronically.
**Allowable Values:**
Existing `e_disclosure` object |
| e\_disclosure.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement |
| e\_disclosure.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| e\_disclosure.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| e\_disclosure.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| e\_disclosure.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| e\_disclosure.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| card\_member\_agreement
object
Conditionally returned | Contains information on the Card Member Agreement, which is a post-application disclosure that specifies the terms and conditions of an account, including the interest rates, interest charges, fees, minimum payment calculations, and more.
**Allowable Values:**
Existing `card_member_agreement` object |
| card\_member\_agreement.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement |
| card\_member\_agreement.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| card\_member\_agreement.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| card\_member\_agreement.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| card\_member\_agreement.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| card\_member\_agreement.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| account\_statement
object
Conditionally returned | Contains information on the Account Statement, which outlines the information that appears on the statements generated for a credit account.
**Allowable Values:**
Existing `account_statement` object |
| account\_statement.**template\_token**
string
Conditionally returned | Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.
**Allowable Values:**
Existing template token for the Terms Schedule, Account Statement, or NOAA |
| account\_statement.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| account\_statement.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| account\_statement.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| noaa\_single\_reason
object
Conditionally returned | Contains information on the Notice of Adverse Action (NOAA) used when an application is declined for single reason.
**Allowable Values:**
Existing `noaa_single_reason` object |
| noaa\_single\_reason.**template\_token**
string
Conditionally returned | Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.
**Allowable Values:**
Existing template token for the Terms Schedule, Account Statement, or NOAA |
| noaa\_single\_reason.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| noaa\_single\_reason.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| noaa\_single\_reason.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| noaa\_single\_reason\_with\_dodd\_frank
object
Conditionally returned | Contains information on the NOAA used when an application is declined for single reason related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application.
**Allowable Values:**
Existing `noaa_single_reason_with_dodd_frank` object |
| noaa\_single\_reason\_with\_dodd\_frank.**template\_token**
string
Conditionally returned | Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.
**Allowable Values:**
Existing template token for the Terms Schedule, Account Statement, or NOAA |
| noaa\_single\_reason\_with\_dodd\_frank.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| noaa\_single\_reason\_with\_dodd\_frank.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| noaa\_single\_reason\_with\_dodd\_frank.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| noaa\_multiple\_reason\_with\_dodd\_frank
object
Conditionally returned | Contains information on the NOAA used when an application is declined for multiple reasons related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application.
**Allowable Values:**
Existing `noaa_multiple_reason_with_dodd_frank` object |
| noaa\_multiple\_reason\_with\_dodd\_frank.**template\_token**
string
Conditionally returned | Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.
**Allowable Values:**
Existing template token for the Terms Schedule, Account Statement, or NOAA |
| noaa\_multiple\_reason\_with\_dodd\_frank.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| noaa\_multiple\_reason\_with\_dodd\_frank.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| noaa\_multiple\_reason\_with\_dodd\_frank.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| created\_time
datetime
Conditionally returned | Date and time when the document policy was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| updated\_time
datetime
Conditionally returned | Date and time when the document policy was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
Sample response body
```json JSON expandable lines wrap theme={null}
{
"token": "my_document_policy_token_1234",
"name": "My Document Policy",
"summary_of_credit_terms": {
"asset_token": "a_summary_of_credit_terms_asset_token1234",
"asset_urls": {
"pdf": "https://url.com/a_summary_of_credit_terms_asset_token1234.pdf",
"png": "https://url.com/a_summary_of_credit_terms_asset_token1234.png",
"html": "https://url.com/a_summary_of_credit_terms_asset_token1234.html"
},
"template_token": "a_summary_of_credit_terms_template_token1234",
"template_urls": {
"html": "https://asset-bucket.s3.amazonaws.com/short_code/a_summary_of_credit_terms_template_token1234/a_summary_of_credit_terms_template_token1234.html"
}
},
"rewards_disclosure": {
"asset_token": "a_rewards_disclosure_asset_token1234",
"asset_urls": {
"pdf": "https://url.com/a_rewards_disclosure_asset_token1234.pdf",
"png": "https://url.com/a_rewards_disclosure_asset_token1234.png",
"html": "https://url.com/a_rewards_disclosure_asset_token1234.html"
},
"template_token": "a_rewards_disclosure_template_token1234",
"template_urls": {
"html": "https://url.com/a_rewards_disclosure_template_token1234.html"
}
},
"pre_qualification_disclosure": {
"asset_token": "a_pre_qualification_disclosure_asset_token1234",
"asset_urls": {
"pdf": "https://url.com/a_pre_qualification_disclosure_asset_token1234.pdf",
"png": "https://url.com/a_pre_qualification_disclosure_asset_token1234.png",
"html": "https://url.com/a_pre_qualification_disclosure_asset_token1234.html"
},
"template_token": "a_pre_qualification_disclosure_template_token1234",
"template_urls": {
"html": "https://url.com/a_pre_qualification_disclosure_template_token1234.html"
}
},
"terms_schedule": {
"template_token": "a_terms_schedule_template_token1234",
"template_urls": {
"html": "https://url.com/a_terms_schedule_template_token1234.html"
}
},
"benefits_disclosure_traditional": {
"asset_token": "a_benefits_disclosure_traditional_asset_token1234",
"asset_urls": {
"pdf": "https://url.com/a_benefits_disclosure_traditional_asset_token1234.pdf",
"png": "https://url.com/a_benefits_disclosure_traditional_asset_token1234.png",
"html": "https://url.com/a_benefits_disclosure_traditional_asset_token1234.html"
}
},
"benefits_disclosure_premium": {
"asset_token": "a_benefits_disclosure_premium_asset_token1234",
"asset_urls": {
"pdf": "https://url.com/a_benefits_disclosure_premium_asset_token1234.pdf",
"png": "https://url.com/a_benefits_disclosure_premium_asset_token1234.png",
"html": "https://url.com/a_benefits_disclosure_premium_asset_token1234.html"
}
},
"privacy_policy": {
"asset_token": "a_privacy_policy_asset_token1234",
"asset_urls": {
"pdf": "https://url.com/a_privacy_policy_asset_token1234.pdf",
"png": "https://url.com/a_privacy_policy_asset_token1234.png",
"html": "https://url.com/a_privacy_policy_asset_token1234.html"
}
},
"e_disclosure": {
"asset_token": "a_e_disclosure_asset_token1234",
"asset_urls": {
"pdf": "https://url.com/a_e_disclosure_asset_token1234.pdf",
"png": "https://url.com/a_e_disclosure_asset_token1234.png",
"html": "https://url.com/a_e_disclosure_asset_token1234.html"
}
},
"card_member_agreement": {
"asset_token": "a_card_member_agreement_asset_token1234",
"asset_urls": {
"pdf": "https://url.com/a_card_member_agreement_asset_token1234.pdf",
"png": "https://url.com/a_card_member_agreement_asset_token1234.png",
"html": "https://url.com/a_card_member_agreement_asset_token1234.html"
}
},
"account_statement": {
"template_token": "an_account_statement_template_token1234",
"template_urls": {
"html": "https://url.com/an_account_statement_template_token1234.html"
}
},
"noaa_single_reason": {
"template_token": "an_noaa_single_reason_template_token1234",
"template_urls": {
"html": "https://url.com/an_noaa_single_reason_template_token1234.html"
}
},
"noaa_single_reason_with_dodd_frank": {
"template_token": "an_noaa_single_reason_with_dodd_frank_template_token1234",
"template_urls": {
"html": "https://url.com/an_noaa_single_reason_with_dodd_frank_template_token1234.html"
}
},
"noaa_multiple_reason_with_dodd_frank": {
"template_token": "an_noaa_multiple_reason_with_dodd_frank_template_token1234",
"template_urls": {
"html": "https://url.com/an_noaa_multiple_reason_with_dodd_frank_template_token1234.html"
}
},
"created_time": "2025-04-01T23:41:58.802Z",
"updated_time": "2025-04-05T16:04:48.643Z"
}
```
List document policies
**Action:** `GET`\
**Endpoint:** `/credit/policies/documents`
Retrieve an array of existing document policies. A document policy consists of all the pre- and post-application disclosures and credit program documents known as assets and templates. Assets contain finalized values after a bundle is created; templates do not contain finalized values.
This endpoint supports [sorting and pagination](/core-api/sorting-and-pagination/).
URL query parameters
| Fields | Description |
| --------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| count
integer
Optional | Number of document policy resources to retrieve.
**Allowable Values:**
1–100 |
| start\_index
integer
Optional | Sort order index of the first resource in the returned array.
**Allowable Values:**
0 min |
| sort\_by
string
Optional | Field on which to sort. Prefix the field name with a hyphen (`-`) to sort in descending order. Omit the hyphen to sort in ascending order.
**NOTE:** You must sort using system field names such as `lastModifiedTime`, and not by the field names appearing in response bodies such as `last_modified_time`.
**Allowable Values:**
`lastModifiedTime`, `-lastModifiedTime` |
Response body
| Fields | Description |
| ----------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| count
integer
Returned | Number of resources returned.
**Allowable Values:**
1-10 |
| start\_index
integer
Returned | Sort order index of the first resource in the returned array.
**Allowable Values:**
Any integer |
| end\_index
integer
Returned | Sort order index of the last resource in the returned array.
**Allowable Values:**
Any integer |
| is\_more
boolean
Returned | A value of `true` indicates that more unreturned resources exist.
**Allowable Values:**
`true`, `false` |
| data
array of objects
Returned | One or more document policies.
**Allowable Values:**
One or more document policy objects |
| data\[].**token**
string
Conditionally returned | Unique identifier of the document policy.
**Allowable Values:**
36 char max |
| data\[].**name**
string
Conditionally returned | Name of the document policy.
**Allowable Values:**
255 char max |
| data\[].**summary\_of\_credit\_terms**
object
Conditionally returned | Contains information on the Summary of Credit Terms (SOCT), which is a pre- and post-application disclosure that outlines the terms of an account, such as the interest rates, interest charges, associated fees, and more.
**Allowable Values:**
Existing `summary_of_credit_terms` object |
| data\[].summary\_of\_credit\_terms.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the SOCT or Rewards Disclosure |
| data\[].summary\_of\_credit\_terms.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| data\[].summary\_of\_credit\_terms.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| data\[].summary\_of\_credit\_terms.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| data\[].summary\_of\_credit\_terms.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| data\[].summary\_of\_credit\_terms.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| data\[].summary\_of\_credit\_terms.**template\_token**
string
Conditionally returned | Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document.
**Allowable Values:**
Existing template token for the SOCT or Rewards Disclosure |
| data\[].summary\_of\_credit\_terms.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| data\[].summary\_of\_credit\_terms.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| data\[].summary\_of\_credit\_terms.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| data\[].**rewards\_disclosure**
object
Conditionally returned | Contains information on the Rewards Disclosure, which is a pre- and post-application disclosure that provides details about the rewards program for a bundle.
**Allowable Values:**
Existing `rewards_disclosure` object |
| data\[].rewards\_disclosure.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the SOCT or Rewards Disclosure |
| data\[].rewards\_disclosure.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| data\[].rewards\_disclosure.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| data\[].rewards\_disclosure.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| data\[].rewards\_disclosure.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| data\[].rewards\_disclosure.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| data\[].rewards\_disclosure.**template\_token**
string
Conditionally returned | Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document.
**Allowable Values:**
Existing template token for the SOCT or Rewards Disclosure |
| data\[].rewards\_disclosure.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| data\[].rewards\_disclosure.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| data\[].rewards\_disclosure.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| data\[].**pre\_qualification\_disclosure**
object
Conditionally returned | Contains information on the Pre-Qualification Disclosure, which is a pre-disclosure that provides details about the pre-qualification offer for the user.
**Allowable Values:**
Existing `pre_qualification_disclosure` object |
| data\[].pre\_qualification\_disclosure.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the SOCT or Rewards Disclosure |
| data\[].pre\_qualification\_disclosure.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| data\[].pre\_qualification\_disclosure.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| data\[].pre\_qualification\_disclosure.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| data\[].pre\_qualification\_disclosure.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| data\[].pre\_qualification\_disclosure.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| data\[].pre\_qualification\_disclosure.**template\_token**
string
Conditionally returned | Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document.
**Allowable Values:**
Existing template token for the SOCT or Rewards Disclosure |
| data\[].pre\_qualification\_disclosure.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| data\[].pre\_qualification\_disclosure.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| data\[].pre\_qualification\_disclosure.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| data\[].**terms\_schedule**
object
Conditionally returned | Contains information on the Terms Schedule, which is a post-application disclosure that contains the terms of credit for an account, including the interest rate details.
**Allowable Values:**
Existing `terms_schedule` object |
| data\[].terms\_schedule.**template\_token**
string
Conditionally returned | Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.
**Allowable Values:**
Existing template token for the Terms Schedule, Account Statement, or NOAA |
| data\[].terms\_schedule.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| data\[].terms\_schedule.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| data\[].terms\_schedule.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| data\[].**benefits\_disclosure\_traditional**
object
Conditionally returned | Contains information on the Benefits Disclosure (Traditional), which is a post-application disclosure that outlines the network benefits of a traditional Mastercard or Visa card.
**Allowable Values:**
Existing `benefits_disclosure_traditional` object |
| data\[].benefits\_disclosure\_traditional.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement |
| data\[].benefits\_disclosure\_traditional.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| data\[].benefits\_disclosure\_traditional.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| data\[].benefits\_disclosure\_traditional.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| data\[].benefits\_disclosure\_traditional.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| data\[].benefits\_disclosure\_traditional.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| data\[].**benefits\_disclosure\_premium**
object
Conditionally returned | Contains information on the Benefits Disclosure (Premium), which is a post-application disclosure that outlines the network benefits of a Mastercard World or Visa Signature card.
**Allowable Values:**
Existing `benefits_disclosure_premium` object |
| data\[].benefits\_disclosure\_premium.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement |
| data\[].benefits\_disclosure\_premium.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| data\[].benefits\_disclosure\_premium.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| data\[].benefits\_disclosure\_premium.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| data\[].benefits\_disclosure\_premium.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| data\[].benefits\_disclosure\_premium.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| data\[].**privacy\_policy**
object
Conditionally returned | Contains information on the Privacy Policy, which is a pre-application disclosure that explains how an applicant’s data is used and managed.
**Allowable Values:**
Existing `privacy_policy` object |
| data\[].privacy\_policy.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement |
| data\[].privacy\_policy.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| data\[].privacy\_policy.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| data\[].privacy\_policy.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| data\[].privacy\_policy.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| data\[].privacy\_policy.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| data\[].**e\_disclosure**
object
Conditionally returned | Contains information on the eDisclosure, which is a pre-application disclosure that states that users are to receive their disclosures electronically.
**Allowable Values:**
Existing `e_disclosure` object |
| data\[].e\_disclosure.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement |
| data\[].e\_disclosure.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| data\[].e\_disclosure.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| data\[].e\_disclosure.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| data\[].e\_disclosure.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| data\[].e\_disclosure.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| data\[].**card\_member\_agreement**
object
Conditionally returned | Contains information on the Card Member Agreement, which is a post-application disclosure that specifies the terms and conditions of an account, including the interest rates, interest charges, fees, minimum payment calculations, and more.
**Allowable Values:**
Existing `card_member_agreement` object |
| data\[].card\_member\_agreement.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement |
| data\[].card\_member\_agreement.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| data\[].card\_member\_agreement.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| data\[].card\_member\_agreement.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| data\[].card\_member\_agreement.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| data\[].card\_member\_agreement.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| data\[].**account\_statement**
object
Conditionally returned | Contains information on the Account Statement, which outlines the information that appears on the statements generated for a credit account.
**Allowable Values:**
Existing `account_statement` object |
| data\[].account\_statement.**template\_token**
string
Conditionally returned | Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.
**Allowable Values:**
Existing template token for the Terms Schedule, Account Statement, or NOAA |
| data\[].account\_statement.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| data\[].account\_statement.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| data\[].account\_statement.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| data\[].**noaa\_single\_reason**
object
Conditionally returned | Contains information on the Notice of Adverse Action (NOAA) used when an application is declined for single reason.
**Allowable Values:**
Existing `noaa_single_reason` object |
| data\[].noaa\_single\_reason.**template\_token**
string
Conditionally returned | Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.
**Allowable Values:**
Existing template token for the Terms Schedule, Account Statement, or NOAA |
| data\[].noaa\_single\_reason.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| data\[].noaa\_single\_reason.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| data\[].noaa\_single\_reason.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| data\[].**noaa\_single\_reason\_with\_dodd\_frank**
object
Conditionally returned | Contains information on the NOAA used when an application is declined for single reason related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application.
**Allowable Values:**
Existing `noaa_single_reason_with_dodd_frank` object |
| data\[].noaa\_single\_reason\_with\_dodd\_frank.**template\_token**
string
Conditionally returned | Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.
**Allowable Values:**
Existing template token for the Terms Schedule, Account Statement, or NOAA |
| data\[].noaa\_single\_reason\_with\_dodd\_frank.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| data\[].noaa\_single\_reason\_with\_dodd\_frank.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| data\[].noaa\_single\_reason\_with\_dodd\_frank.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| data\[].**noaa\_multiple\_reason\_with\_dodd\_frank**
object
Conditionally returned | Contains information on the NOAA used when an application is declined for multiple reasons related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application.
**Allowable Values:**
Existing `noaa_multiple_reason_with_dodd_frank` object |
| data\[].noaa\_multiple\_reason\_with\_dodd\_frank.**template\_token**
string
Conditionally returned | Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.
**Allowable Values:**
Existing template token for the Terms Schedule, Account Statement, or NOAA |
| data\[].noaa\_multiple\_reason\_with\_dodd\_frank.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| data\[].noaa\_multiple\_reason\_with\_dodd\_frank.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| data\[].noaa\_multiple\_reason\_with\_dodd\_frank.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| data\[].**created\_time**
datetime
Conditionally returned | Date and time when the document policy was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| data\[].**updated\_time**
datetime
Conditionally returned | Date and time when the document policy was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
Sample response body
```json JSON expandable lines wrap theme={null}
{
"count": 2,
"start_index": 0,
"end_index": 2,
"is_more": true,
"data": [
{
"token": "my_document_policy_token_1234",
"name": "My Document Policy",
"summary_of_credit_terms": {
"asset_token": "a_summary_of_credit_terms_asset_token1234",
"asset_urls": {
"pdf": "https://url.com/a_summary_of_credit_terms_asset_token1234.pdf",
"png": "https://url.com/a_summary_of_credit_terms_asset_token1234.png",
"html": "https://url.com/a_summary_of_credit_terms_asset_token1234.html"
},
"template_token": "a_summary_of_credit_terms_template_token1234",
"template_urls": {
"html": "https://asset-bucket.s3.amazonaws.com/short_code/a_summary_of_credit_terms_template_token1234/a_summary_of_credit_terms_template_token1234.html"
}
},
"rewards_disclosure": {
"asset_token": "a_rewards_disclosure_asset_token1234",
"asset_urls": {
"pdf": "https://url.com/a_rewards_disclosure_asset_token1234.pdf",
"png": "https://url.com/a_rewards_disclosure_asset_token1234.png",
"html": "https://url.com/a_rewards_disclosure_asset_token1234.html"
},
"template_token": "a_rewards_disclosure_template_token1234",
"template_urls": {
"html": "https://url.com/a_rewards_disclosure_template_token1234.html"
}
},
"pre_qualification_disclosure": {
"asset_token": "a_pre_qualification_disclosure_asset_token1234",
"asset_urls": {
"pdf": "https://url.com/a_pre_qualification_disclosure_asset_token1234.pdf",
"png": "https://url.com/a_pre_qualification_disclosure_asset_token1234.png",
"html": "https://url.com/a_pre_qualification_disclosure_asset_token1234.html"
},
"template_token": "a_pre_qualification_disclosure_template_token1234",
"template_urls": {
"html": "https://url.com/a_pre_qualification_disclosure_template_token1234.html"
}
},
"terms_schedule": {
"template_token": "a_terms_schedule_template_token1234",
"template_urls": {
"html": "https://url.com/a_terms_schedule_template_token1234.html"
}
},
"benefits_disclosure_traditional": {
"asset_token": "a_benefits_disclosure_traditional_asset_token1234",
"asset_urls": {
"pdf": "https://url.com/a_benefits_disclosure_traditional_asset_token1234.pdf",
"png": "https://url.com/a_benefits_disclosure_traditional_asset_token1234.png",
"html": "https://url.com/a_benefits_disclosure_traditional_asset_token1234.html"
}
},
"benefits_disclosure_premium": {
"asset_token": "a_benefits_disclosure_premium_asset_token1234",
"asset_urls": {
"pdf": "https://url.com/a_benefits_disclosure_premium_asset_token1234.pdf",
"png": "https://url.com/a_benefits_disclosure_premium_asset_token1234.png",
"html": "https://url.com/a_benefits_disclosure_premium_asset_token1234.html"
}
},
"privacy_policy": {
"asset_token": "a_privacy_policy_asset_token1234",
"asset_urls": {
"pdf": "https://url.com/a_privacy_policy_asset_token1234.pdf",
"png": "https://url.com/a_privacy_policy_asset_token1234.png",
"html": "https://url.com/a_privacy_policy_asset_token1234.html"
}
},
"e_disclosure": {
"asset_token": "a_e_disclosure_asset_token1234",
"asset_urls": {
"pdf": "https://url.com/a_e_disclosure_asset_token1234.pdf",
"png": "https://url.com/a_e_disclosure_asset_token1234.png",
"html": "https://url.com/a_e_disclosure_asset_token1234.html"
}
},
"card_member_agreement": {
"asset_token": "a_card_member_agreement_asset_token1234",
"asset_urls": {
"pdf": "https://url.com/a_card_member_agreement_asset_token1234.pdf",
"png": "https://url.com/a_card_member_agreement_asset_token1234.png",
"html": "https://url.com/a_card_member_agreement_asset_token1234.html"
}
},
"account_statement": {
"template_token": "an_account_statement_template_token1234",
"template_urls": {
"html": "https://url.com/an_account_statement_template_token1234.html"
}
},
"noaa_single_reason": {
"template_token": "an_noaa_single_reason_template_token1234",
"template_urls": {
"html": "https://url.com/an_noaa_single_reason_template_token1234.html"
}
},
"noaa_single_reason_with_dodd_frank": {
"template_token": "an_noaa_single_reason_with_dodd_frank_template_token1234",
"template_urls": {
"html": "https://url.com/an_noaa_single_reason_with_dodd_frank_template_token1234.html"
}
},
"noaa_multiple_reason_with_dodd_frank": {
"template_token": "an_noaa_multiple_reason_with_dodd_frank_template_token1234",
"template_urls": {
"html": "https://url.com/an_noaa_multiple_reason_with_dodd_frank_template_token1234.html"
}
},
"created_time": "2025-04-01T23:41:58.802Z",
"updated_time": "2025-04-05T16:04:48.643Z"
},
{
"token": "my_document_policy_token_4321",
"name": "Silver Document Policy",
"summary_of_credit_terms": {
"asset_token": "a_summary_of_credit_terms_asset_token4321",
"asset_urls": {
"pdf": "https://url.com/a_summary_of_credit_terms_asset_token4321.pdf",
"png": "https://url.com/a_summary_of_credit_terms_asset_token4321.png",
"html": "https://url.com/a_summary_of_credit_terms_asset_token4321.html"
},
"template_token": "a_summary_of_credit_terms_template_token4321",
"template_urls": {
"html": "https://url.com/a_summary_of_credit_terms_template_token4321.html"
}
},
"rewards_disclosure": {
"asset_token": "a_rewards_disclosure_asset_token4321",
"asset_urls": {
"pdf": "https://url.com/a_rewards_disclosure_asset_token4321.pdf",
"png": "https://url.com/a_rewards_disclosure_asset_token4321.png",
"html": "https://url.com/a_rewards_disclosure_asset_token4321.html"
},
"template_token": "a_rewards_disclosure_template_token4321",
"template_urls": {
"html": "https://url.com/a_rewards_disclosure_template_token4321.html"
}
},
"pre_qualification_disclosure": {
"asset_token": "a_pre_qualification_disclosure_asset_token4321",
"asset_urls": {
"pdf": "https://url.com/a_pre_qualification_disclosure_asset_token4321.pdf",
"png": "https://url.com/a_pre_qualification_disclosure_asset_token4321.png",
"html": "https://url.com/a_pre_qualification_disclosure_asset_token4321.html"
},
"template_token": "a_pre_qualification_disclosure_template_token4321",
"template_urls": {
"html": "https://url.com/a_pre_qualification_disclosure_template_token4321.html"
}
},
"terms_schedule": {
"template_token": "a_terms_schedule_template_token4321",
"template_urls": {
"html": "https://url.com/a_terms_schedule_template_token4321.html"
}
},
"benefits_disclosure_traditional": {
"asset_token": "a_benefits_disclosure_traditional_asset_token4321",
"asset_urls": {
"pdf": "https://url.com/a_benefits_disclosure_traditional_asset_token4321.pdf",
"png": "https://url.com/a_benefits_disclosure_traditional_asset_token4321.png",
"html": "https://url.com/a_benefits_disclosure_traditional_asset_token4321.html"
}
},
"benefits_disclosure_premium": {
"asset_token": "a_benefits_disclosure_premium_asset_token4321",
"asset_urls": {
"pdf": "https://url.com/a_benefits_disclosure_premium_asset_token4321.pdf",
"png": "https://url.com/a_benefits_disclosure_premium_asset_token4321.png",
"html": "https://url.com/a_benefits_disclosure_premium_asset_token4321.html"
}
},
"privacy_policy": {
"asset_token": "a_privacy_policy_asset_token4321",
"asset_urls": {
"pdf": "https://url.com/a_privacy_policy_asset_token4321.pdf",
"png": "https://url.com/a_privacy_policy_asset_token4321.png",
"html": "https://url.com/a_privacy_policy_asset_token4321.html"
}
},
"e_disclosure": {
"asset_token": "a_e_disclosure_asset_token4321",
"asset_urls": {
"pdf": "https://url.com/a_e_disclosure_asset_token4321.pdf",
"png": "https://url.com/a_e_disclosure_asset_token4321.png",
"html": "https://url.com/a_e_disclosure_asset_token4321.html"
}
},
"card_member_agreement": {
"asset_token": "a_card_member_agreement_asset_token4321",
"asset_urls": {
"pdf": "https://url.com/a_card_member_agreement_asset_token4321.pdf",
"png": "https://url.com/a_card_member_agreement_asset_token4321.png",
"html": "https://url.com/a_card_member_agreement_asset_token4321.html"
}
},
"account_statement": {
"template_token": "an_account_statement_template_token4321",
"template_urls": {
"html": "https://url.com/an_account_statement_template_token4321.html"
}
},
"noaa_single_reason": {
"template_token": "an_noaa_single_reason_template_token4321",
"template_urls": {
"html": "https://url.com/an_noaa_single_reason_template_token4321.html"
}
},
"noaa_single_reason_with_dodd_frank": {
"template_token": "an_noaa_single_reason_with_dodd_frank_template_token4321",
"template_urls": {
"html": "https://url.com/an_noaa_single_reason_with_dodd_frank_template_token4321.html"
}
},
"noaa_multiple_reason_with_dodd_frank": {
"template_token": "an_noaa_multiple_reason_with_dodd_frank_template_token4321",
"template_urls": {
"html": "https://url.com/an_noaa_multiple_reason_with_dodd_frank_template_token4321.html"
}
},
"created_time": "2025-04-01T23:41:58.802Z",
"updated_time": "2025-04-05T16:04:48.643Z"
}
]
}
```
Retrieve document policy
**Action:** `GET`\
**Endpoint:** `/credit/policies/documents/{token}`
Retrieve a specific document policy, which consists of all the pre- and post-application disclosures and credit program documents known as assets and templates. Assets contain finalized values after a bundle is created; templates do not contain finalized values.
URL path parameters
| Fields | Description |
| ------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token
string
Required | Unique identifier of the document policy to retrieve.
Send a `GET` request to `/policies/documents` to retrieve existing document policy tokens.
**Allowable Values:**
Existing document policy token |
Response body
| Fields | Description |
| --------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| token
string
Conditionally returned | Unique identifier of the document policy.
**Allowable Values:**
36 char max |
| name
string
Conditionally returned | Name of the document policy.
**Allowable Values:**
255 char max |
| summary\_of\_credit\_terms
object
Conditionally returned | Contains information on the Summary of Credit Terms (SOCT), which is a pre- and post-application disclosure that outlines the terms of an account, such as the interest rates, interest charges, associated fees, and more.
**Allowable Values:**
Existing `summary_of_credit_terms` object |
| summary\_of\_credit\_terms.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the SOCT or Rewards Disclosure |
| summary\_of\_credit\_terms.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| summary\_of\_credit\_terms.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| summary\_of\_credit\_terms.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| summary\_of\_credit\_terms.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| summary\_of\_credit\_terms.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| summary\_of\_credit\_terms.**template\_token**
string
Conditionally returned | Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document.
**Allowable Values:**
Existing template token for the SOCT or Rewards Disclosure |
| summary\_of\_credit\_terms.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| summary\_of\_credit\_terms.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| summary\_of\_credit\_terms.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| rewards\_disclosure
object
Conditionally returned | Contains information on the Rewards Disclosure, which is a pre- and post-application disclosure that provides details about the rewards program for a bundle.
**Allowable Values:**
Existing `rewards_disclosure` object |
| rewards\_disclosure.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the SOCT or Rewards Disclosure |
| rewards\_disclosure.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| rewards\_disclosure.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| rewards\_disclosure.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| rewards\_disclosure.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| rewards\_disclosure.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| rewards\_disclosure.**template\_token**
string
Conditionally returned | Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document.
**Allowable Values:**
Existing template token for the SOCT or Rewards Disclosure |
| rewards\_disclosure.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| rewards\_disclosure.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| rewards\_disclosure.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| pre\_qualification\_disclosure
object
Conditionally returned | Contains information on the Pre-Qualification Disclosure, which is a pre-disclosure that provides details about the pre-qualification offer for the user.
**Allowable Values:**
Existing `pre_qualification_disclosure` object |
| pre\_qualification\_disclosure.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the SOCT or Rewards Disclosure |
| pre\_qualification\_disclosure.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| pre\_qualification\_disclosure.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| pre\_qualification\_disclosure.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| pre\_qualification\_disclosure.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| pre\_qualification\_disclosure.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| pre\_qualification\_disclosure.**template\_token**
string
Conditionally returned | Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document.
**Allowable Values:**
Existing template token for the SOCT or Rewards Disclosure |
| pre\_qualification\_disclosure.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| pre\_qualification\_disclosure.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| pre\_qualification\_disclosure.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| terms\_schedule
object
Conditionally returned | Contains information on the Terms Schedule, which is a post-application disclosure that contains the terms of credit for an account, including the interest rate details.
**Allowable Values:**
Existing `terms_schedule` object |
| terms\_schedule.**template\_token**
string
Conditionally returned | Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.
**Allowable Values:**
Existing template token for the Terms Schedule, Account Statement, or NOAA |
| terms\_schedule.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| terms\_schedule.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| terms\_schedule.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| benefits\_disclosure\_traditional
object
Conditionally returned | Contains information on the Benefits Disclosure (Traditional), which is a post-application disclosure that outlines the network benefits of a traditional Mastercard or Visa card.
**Allowable Values:**
Existing `benefits_disclosure_traditional` object |
| benefits\_disclosure\_traditional.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement |
| benefits\_disclosure\_traditional.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| benefits\_disclosure\_traditional.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| benefits\_disclosure\_traditional.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| benefits\_disclosure\_traditional.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| benefits\_disclosure\_traditional.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| benefits\_disclosure\_premium
object
Conditionally returned | Contains information on the Benefits Disclosure (Premium), which is a post-application disclosure that outlines the network benefits of a Mastercard World or Visa Signature card.
**Allowable Values:**
Existing `benefits_disclosure_premium` object |
| benefits\_disclosure\_premium.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement |
| benefits\_disclosure\_premium.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| benefits\_disclosure\_premium.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| benefits\_disclosure\_premium.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| benefits\_disclosure\_premium.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| benefits\_disclosure\_premium.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| privacy\_policy
object
Conditionally returned | Contains information on the Privacy Policy, which is a pre-application disclosure that explains how an applicant’s data is used and managed.
**Allowable Values:**
Existing `privacy_policy` object |
| privacy\_policy.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement |
| privacy\_policy.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| privacy\_policy.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| privacy\_policy.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| privacy\_policy.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| privacy\_policy.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| e\_disclosure
object
Conditionally returned | Contains information on the eDisclosure, which is a pre-application disclosure that states that users are to receive their disclosures electronically.
**Allowable Values:**
Existing `e_disclosure` object |
| e\_disclosure.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement |
| e\_disclosure.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| e\_disclosure.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| e\_disclosure.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| e\_disclosure.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| e\_disclosure.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| card\_member\_agreement
object
Conditionally returned | Contains information on the Card Member Agreement, which is a post-application disclosure that specifies the terms and conditions of an account, including the interest rates, interest charges, fees, minimum payment calculations, and more.
**Allowable Values:**
Existing `card_member_agreement` object |
| card\_member\_agreement.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement |
| card\_member\_agreement.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| card\_member\_agreement.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| card\_member\_agreement.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| card\_member\_agreement.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| card\_member\_agreement.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| account\_statement
object
Conditionally returned | Contains information on the Account Statement, which outlines the information that appears on the statements generated for a credit account.
**Allowable Values:**
Existing `account_statement` object |
| account\_statement.**template\_token**
string
Conditionally returned | Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.
**Allowable Values:**
Existing template token for the Terms Schedule, Account Statement, or NOAA |
| account\_statement.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| account\_statement.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| account\_statement.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| noaa\_single\_reason
object
Conditionally returned | Contains information on the Notice of Adverse Action (NOAA) used when an application is declined for single reason.
**Allowable Values:**
Existing `noaa_single_reason` object |
| noaa\_single\_reason.**template\_token**
string
Conditionally returned | Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.
**Allowable Values:**
Existing template token for the Terms Schedule, Account Statement, or NOAA |
| noaa\_single\_reason.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| noaa\_single\_reason.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| noaa\_single\_reason.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| noaa\_single\_reason\_with\_dodd\_frank
object
Conditionally returned | Contains information on the NOAA used when an application is declined for single reason related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application.
**Allowable Values:**
Existing `noaa_single_reason_with_dodd_frank` object |
| noaa\_single\_reason\_with\_dodd\_frank.**template\_token**
string
Conditionally returned | Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.
**Allowable Values:**
Existing template token for the Terms Schedule, Account Statement, or NOAA |
| noaa\_single\_reason\_with\_dodd\_frank.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| noaa\_single\_reason\_with\_dodd\_frank.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| noaa\_single\_reason\_with\_dodd\_frank.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| noaa\_multiple\_reason\_with\_dodd\_frank
object
Conditionally returned | Contains information on the NOAA used when an application is declined for multiple reasons related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application.
**Allowable Values:**
Existing `noaa_multiple_reason_with_dodd_frank` object |
| noaa\_multiple\_reason\_with\_dodd\_frank.**template\_token**
string
Conditionally returned | Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.
**Allowable Values:**
Existing template token for the Terms Schedule, Account Statement, or NOAA |
| noaa\_multiple\_reason\_with\_dodd\_frank.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| noaa\_multiple\_reason\_with\_dodd\_frank.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| noaa\_multiple\_reason\_with\_dodd\_frank.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| created\_time
datetime
Conditionally returned | Date and time when the document policy was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| updated\_time
datetime
Conditionally returned | Date and time when the document policy was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
Sample response body
```json JSON expandable lines wrap theme={null}
{
"token": "my_document_policy_token_1234",
"name": "My Document Policy",
"summary_of_credit_terms": {
"asset_token": "a_summary_of_credit_terms_asset_token1234",
"asset_urls": {
"pdf": "https://url.com/a_summary_of_credit_terms_asset_token1234.pdf",
"png": "https://url.com/a_summary_of_credit_terms_asset_token1234.png",
"html": "https://url.com/a_summary_of_credit_terms_asset_token1234.html"
},
"template_token": "a_summary_of_credit_terms_template_token1234",
"template_urls": {
"html": "https://asset-bucket.s3.amazonaws.com/short_code/a_summary_of_credit_terms_template_token1234/a_summary_of_credit_terms_template_token1234.html"
}
},
"rewards_disclosure": {
"asset_token": "a_rewards_disclosure_asset_token1234",
"asset_urls": {
"pdf": "https://url.com/a_rewards_disclosure_asset_token1234.pdf",
"png": "https://url.com/a_rewards_disclosure_asset_token1234.png",
"html": "https://url.com/a_rewards_disclosure_asset_token1234.html"
},
"template_token": "a_rewards_disclosure_template_token1234",
"template_urls": {
"html": "https://url.com/a_rewards_disclosure_template_token1234.html"
}
},
"pre_qualification_disclosure": {
"asset_token": "a_pre_qualification_disclosure_asset_token1234",
"asset_urls": {
"pdf": "https://url.com/a_pre_qualification_disclosure_asset_token1234.pdf",
"png": "https://url.com/a_pre_qualification_disclosure_asset_token1234.png",
"html": "https://url.com/a_pre_qualification_disclosure_asset_token1234.html"
},
"template_token": "a_pre_qualification_disclosure_template_token1234",
"template_urls": {
"html": "https://url.com/a_pre_qualification_disclosure_template_token1234.html"
}
},
"terms_schedule": {
"template_token": "a_terms_schedule_template_token1234",
"template_urls": {
"html": "https://url.com/a_terms_schedule_template_token1234.html"
}
},
"benefits_disclosure_traditional": {
"asset_token": "a_benefits_disclosure_traditional_asset_token1234",
"asset_urls": {
"pdf": "https://url.com/a_benefits_disclosure_traditional_asset_token1234.pdf",
"png": "https://url.com/a_benefits_disclosure_traditional_asset_token1234.png",
"html": "https://url.com/a_benefits_disclosure_traditional_asset_token1234.html"
}
},
"benefits_disclosure_premium": {
"asset_token": "a_benefits_disclosure_premium_asset_token1234",
"asset_urls": {
"pdf": "https://url.com/a_benefits_disclosure_premium_asset_token1234.pdf",
"png": "https://url.com/a_benefits_disclosure_premium_asset_token1234.png",
"html": "https://url.com/a_benefits_disclosure_premium_asset_token1234.html"
}
},
"privacy_policy": {
"asset_token": "a_privacy_policy_asset_token1234",
"asset_urls": {
"pdf": "https://url.com/a_privacy_policy_asset_token1234.pdf",
"png": "https://url.com/a_privacy_policy_asset_token1234.png",
"html": "https://url.com/a_privacy_policy_asset_token1234.html"
}
},
"e_disclosure": {
"asset_token": "a_e_disclosure_asset_token1234",
"asset_urls": {
"pdf": "https://url.com/a_e_disclosure_asset_token1234.pdf",
"png": "https://url.com/a_e_disclosure_asset_token1234.png",
"html": "https://url.com/a_e_disclosure_asset_token1234.html"
}
},
"card_member_agreement": {
"asset_token": "a_card_member_agreement_asset_token1234",
"asset_urls": {
"pdf": "https://url.com/a_card_member_agreement_asset_token1234.pdf",
"png": "https://url.com/a_card_member_agreement_asset_token1234.png",
"html": "https://url.com/a_card_member_agreement_asset_token1234.html"
}
},
"account_statement": {
"template_token": "an_account_statement_template_token1234",
"template_urls": {
"html": "https://url.com/an_account_statement_template_token1234.html"
}
},
"noaa_single_reason": {
"template_token": "an_noaa_single_reason_template_token1234",
"template_urls": {
"html": "https://url.com/an_noaa_single_reason_template_token1234.html"
}
},
"noaa_single_reason_with_dodd_frank": {
"template_token": "an_noaa_single_reason_with_dodd_frank_template_token1234",
"template_urls": {
"html": "https://url.com/an_noaa_single_reason_with_dodd_frank_template_token1234.html"
}
},
"noaa_multiple_reason_with_dodd_frank": {
"template_token": "an_noaa_multiple_reason_with_dodd_frank_template_token1234",
"template_urls": {
"html": "https://url.com/an_noaa_multiple_reason_with_dodd_frank_template_token1234.html"
}
},
"created_time": "2025-04-01T23:41:58.802Z",
"updated_time": "2025-04-05T16:04:48.643Z"
}
```
Update document policy
**Action:** `PUT`\
**Endpoint:** `/credit/policies/documents/{token}`
Update a specific document policy, which consists of all the pre- and post-application disclosures and credit program documents known as assets and templates. Assets contain finalized values after a bundle is created; templates do not contain finalized values.
URL path parameters
| Fields | Description |
| ------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| token
string
Required | Unique identifier of the document policy to update.
Send a `GET` request to `/policies/documents` to retrieve existing document policy tokens.
**Allowable Values:**
Existing document policy token |
Request body
| Fields | Description |
| --------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| name
string
Required | Name of the document policy.
**Allowable Values:**
255 char max |
| summary\_of\_credit\_terms
object
Required | Contains information on the Summary of Credit Terms (SOCT), which is a pre- and post-application disclosure that outlines the terms of an account, such as the interest rates, interest charges, associated fees, and more.
**Allowable Values:**
Existing `summary_of_credit_terms` object |
| summary\_of\_credit\_terms.**asset\_token**
string
Required | Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the SOCT or Rewards Disclosure |
| summary\_of\_credit\_terms.**template\_token**
string
Required | Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. The values are finalized in the asset version of the document.
**Allowable Values:**
Existing template token for the SOCT or Rewards Disclosure |
| rewards\_disclosure
object
Optional | Contains information on the Rewards Disclosure, which is a pre- and post-application disclosure that provides details about the rewards program for a bundle.
**Allowable Values:**
Existing `rewards_disclosure` object |
| rewards\_disclosure.**asset\_token**
string
Required | Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the SOCT or Rewards Disclosure |
| rewards\_disclosure.**template\_token**
string
Required | Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. The values are finalized in the asset version of the document.
**Allowable Values:**
Existing template token for the SOCT or Rewards Disclosure |
| pre\_qualification\_disclosure
object
Optional | Contains information on the Pre-Qualification Disclosure, which is a pre-disclosure that provides details about the pre-qualification offer for the user.
**Allowable Values:**
Existing `pre_qualification_disclosure` object |
| pre\_qualification\_disclosure.**asset\_token**
string
Required | Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the SOCT or Rewards Disclosure |
| pre\_qualification\_disclosure.**template\_token**
string
Required | Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. The values are finalized in the asset version of the document.
**Allowable Values:**
Existing template token for the SOCT or Rewards Disclosure |
| terms\_schedule
object
Required | Contains information on the Terms Schedule, which is a post-application disclosure that contains the terms of credit for an account, including the interest rate details.
**Allowable Values:**
Existing `terms_schedule` object |
| terms\_schedule.**template\_token**
string
Required | Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.
**Allowable Values:**
Existing template token for the Terms Schedule, Account Statement, or NOAA |
| benefits\_disclosure\_traditional
object
Required | Contains information on the Benefits Disclosure (Traditional), which is a post-application disclosure that outlines the network benefits of a traditional Mastercard or Visa card.
**Allowable Values:**
Existing `benefits_disclosure_traditional` object |
| benefits\_disclosure\_traditional.**asset\_token**
string
Required | Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement |
| benefits\_disclosure\_premium
object
Required | Contains information on the Benefits Disclosure (Premium), which is a post-application disclosure that outlines the network benefits of a Mastercard World or Visa Signature card.
**Allowable Values:**
Existing `benefits_disclosure_premium` object |
| benefits\_disclosure\_premium.**asset\_token**
string
Required | Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement |
| privacy\_policy
object
Required | Contains information on the Privacy Policy, which is a pre-application disclosure that explains how an applicant’s data is used and managed.
**Allowable Values:**
Existing `privacy_policy` object |
| privacy\_policy.**asset\_token**
string
Required | Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement |
| e\_disclosure
object
Required | Contains information on the eDisclosure, which is a pre-application disclosure that states that users are to receive their disclosures electronically.
**Allowable Values:**
Existing `e_disclosure` object |
| e\_disclosure.**asset\_token**
string
Required | Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement |
| card\_member\_agreement
object
Required | Contains information on the Card Member Agreement, which is a post-application disclosure that specifies the terms and conditions of an account, including the interest rates, interest charges, fees, minimum payment calculations, and more.
**Allowable Values:**
Existing `card_member_agreement` object |
| card\_member\_agreement.**asset\_token**
string
Required | Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement |
| account\_statement
object
Required | Contains information on the Account Statement, which outlines the information that appears on the statements generated for a credit account.
**Allowable Values:**
Existing `account_statement` object |
| account\_statement.**template\_token**
string
Required | Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.
**Allowable Values:**
Existing template token for the Terms Schedule, Account Statement, or NOAA |
| noaa\_single\_reason
object
Required | Contains information on the Notice of Adverse Action (NOAA) used when an application is declined for single reason.
**Allowable Values:**
Existing `noaa_single_reason` object |
| noaa\_single\_reason.**template\_token**
string
Required | Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.
**Allowable Values:**
Existing template token for the Terms Schedule, Account Statement, or NOAA |
| noaa\_single\_reason\_with\_dodd\_frank
object
Required | Contains information on the NOAA used when an application is declined for single reason related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application.
**Allowable Values:**
Existing `noaa_single_reason_with_dodd_frank` object |
| noaa\_single\_reason\_with\_dodd\_frank.**template\_token**
string
Required | Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.
**Allowable Values:**
Existing template token for the Terms Schedule, Account Statement, or NOAA |
| noaa\_multiple\_reason\_with\_dodd\_frank
object
Required | Contains information on the NOAA used when an application is declined for multiple reasons related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application.
**Allowable Values:**
Existing `noaa_multiple_reason_with_dodd_frank` object |
| noaa\_multiple\_reason\_with\_dodd\_frank.**template\_token**
string
Required | Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.
**Allowable Values:**
Existing template token for the Terms Schedule, Account Statement, or NOAA |
Sample request body
```json JSON expandable lines wrap theme={null}
{
"token": "my_document_policy_token_1234",
"name": "My Changed Document Policy",
"summary_of_credit_terms": {
"asset_token": "a_summary_of_credit_terms_asset_token321",
"template_token": "a_summary_of_credit_terms_template_token321"
},
"rewards_disclosure": {
"asset_token": "a_rewards_disclosure_asset_token321",
"template_token": "a_rewards_disclosure_template_token321"
},
"pre_qualification_disclosure": {
"asset_token": "a_pre_qualification_disclosure_asset_token321",
"template_token": "a_pre_qualification_disclosure_template_token321"
},
"terms_schedule": {
"template_token": "a_terms_schedule_template_token321"
},
"benefits_disclosure_traditional": {
"asset_token": "a_benefits_disclosure_traditional_asset_token321"
},
"benefits_disclosure_premium": {
"asset_token": "a_benefits_disclosure_asset_token321"
},
"privacy_policy": {
"asset_token": "a_privacy_policy_asset_token321"
},
"e_disclosure": {
"asset_token": "a_e_disclosure_asset_token321"
},
"card_member_agreement": {
"asset_token": "a_card_member_agreement_asset_token321"
},
"account_statement": {
"template_token": "an_account_statement_template_token321"
},
"noaa_single_reason": {
"template_token": "an_noaa_single_reason_template_token321"
},
"noaa_single_reason_with_dodd_frank": {
"template_token": "an_noaa_single_reason_with_dodd_frank_template_token321"
},
"noaa_multiple_reason_with_dodd_frank": {
"template_token": "an_noaa_multiple_reason_with_dodd_frank_template_token321"
}
}
```
Response body
| Fields | Description |
| --------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| token
string
Conditionally returned | Unique identifier of the document policy.
**Allowable Values:**
36 char max |
| name
string
Conditionally returned | Name of the document policy.
**Allowable Values:**
255 char max |
| summary\_of\_credit\_terms
object
Conditionally returned | Contains information on the Summary of Credit Terms (SOCT), which is a pre- and post-application disclosure that outlines the terms of an account, such as the interest rates, interest charges, associated fees, and more.
**Allowable Values:**
Existing `summary_of_credit_terms` object |
| summary\_of\_credit\_terms.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the SOCT or Rewards Disclosure |
| summary\_of\_credit\_terms.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| summary\_of\_credit\_terms.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| summary\_of\_credit\_terms.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| summary\_of\_credit\_terms.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| summary\_of\_credit\_terms.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| summary\_of\_credit\_terms.**template\_token**
string
Conditionally returned | Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document.
**Allowable Values:**
Existing template token for the SOCT or Rewards Disclosure |
| summary\_of\_credit\_terms.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| summary\_of\_credit\_terms.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| summary\_of\_credit\_terms.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| rewards\_disclosure
object
Conditionally returned | Contains information on the Rewards Disclosure, which is a pre- and post-application disclosure that provides details about the rewards program for a bundle.
**Allowable Values:**
Existing `rewards_disclosure` object |
| rewards\_disclosure.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the SOCT or Rewards Disclosure |
| rewards\_disclosure.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| rewards\_disclosure.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| rewards\_disclosure.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| rewards\_disclosure.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| rewards\_disclosure.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| rewards\_disclosure.**template\_token**
string
Conditionally returned | Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document.
**Allowable Values:**
Existing template token for the SOCT or Rewards Disclosure |
| rewards\_disclosure.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| rewards\_disclosure.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| rewards\_disclosure.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| pre\_qualification\_disclosure
object
Conditionally returned | Contains information on the Pre-Qualification Disclosure, which is a pre-disclosure that provides details about the pre-qualification offer for the user.
**Allowable Values:**
Existing `pre_qualification_disclosure` object |
| pre\_qualification\_disclosure.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the SOCT or Rewards Disclosure |
| pre\_qualification\_disclosure.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| pre\_qualification\_disclosure.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| pre\_qualification\_disclosure.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| pre\_qualification\_disclosure.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| pre\_qualification\_disclosure.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| pre\_qualification\_disclosure.**template\_token**
string
Conditionally returned | Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document.
**Allowable Values:**
Existing template token for the SOCT or Rewards Disclosure |
| pre\_qualification\_disclosure.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| pre\_qualification\_disclosure.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| pre\_qualification\_disclosure.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| terms\_schedule
object
Conditionally returned | Contains information on the Terms Schedule, which is a post-application disclosure that contains the terms of credit for an account, including the interest rate details.
**Allowable Values:**
Existing `terms_schedule` object |
| terms\_schedule.**template\_token**
string
Conditionally returned | Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.
**Allowable Values:**
Existing template token for the Terms Schedule, Account Statement, or NOAA |
| terms\_schedule.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| terms\_schedule.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| terms\_schedule.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| benefits\_disclosure\_traditional
object
Conditionally returned | Contains information on the Benefits Disclosure (Traditional), which is a post-application disclosure that outlines the network benefits of a traditional Mastercard or Visa card.
**Allowable Values:**
Existing `benefits_disclosure_traditional` object |
| benefits\_disclosure\_traditional.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement |
| benefits\_disclosure\_traditional.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| benefits\_disclosure\_traditional.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| benefits\_disclosure\_traditional.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| benefits\_disclosure\_traditional.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| benefits\_disclosure\_traditional.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| benefits\_disclosure\_premium
object
Conditionally returned | Contains information on the Benefits Disclosure (Premium), which is a post-application disclosure that outlines the network benefits of a Mastercard World or Visa Signature card.
**Allowable Values:**
Existing `benefits_disclosure_premium` object |
| benefits\_disclosure\_premium.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement |
| benefits\_disclosure\_premium.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| benefits\_disclosure\_premium.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| benefits\_disclosure\_premium.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| benefits\_disclosure\_premium.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| benefits\_disclosure\_premium.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| privacy\_policy
object
Conditionally returned | Contains information on the Privacy Policy, which is a pre-application disclosure that explains how an applicant’s data is used and managed.
**Allowable Values:**
Existing `privacy_policy` object |
| privacy\_policy.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement |
| privacy\_policy.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| privacy\_policy.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| privacy\_policy.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| privacy\_policy.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| privacy\_policy.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| e\_disclosure
object
Conditionally returned | Contains information on the eDisclosure, which is a pre-application disclosure that states that users are to receive their disclosures electronically.
**Allowable Values:**
Existing `e_disclosure` object |
| e\_disclosure.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement |
| e\_disclosure.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| e\_disclosure.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| e\_disclosure.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| e\_disclosure.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| e\_disclosure.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| card\_member\_agreement
object
Conditionally returned | Contains information on the Card Member Agreement, which is a post-application disclosure that specifies the terms and conditions of an account, including the interest rates, interest charges, fees, minimum payment calculations, and more.
**Allowable Values:**
Existing `card_member_agreement` object |
| card\_member\_agreement.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement |
| card\_member\_agreement.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| card\_member\_agreement.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| card\_member\_agreement.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| card\_member\_agreement.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| card\_member\_agreement.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| account\_statement
object
Conditionally returned | Contains information on the Account Statement, which outlines the information that appears on the statements generated for a credit account.
**Allowable Values:**
Existing `account_statement` object |
| account\_statement.**template\_token**
string
Conditionally returned | Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.
**Allowable Values:**
Existing template token for the Terms Schedule, Account Statement, or NOAA |
| account\_statement.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| account\_statement.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| account\_statement.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| noaa\_single\_reason
object
Conditionally returned | Contains information on the Notice of Adverse Action (NOAA) used when an application is declined for single reason.
**Allowable Values:**
Existing `noaa_single_reason` object |
| noaa\_single\_reason.**template\_token**
string
Conditionally returned | Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.
**Allowable Values:**
Existing template token for the Terms Schedule, Account Statement, or NOAA |
| noaa\_single\_reason.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| noaa\_single\_reason.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| noaa\_single\_reason.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| noaa\_single\_reason\_with\_dodd\_frank
object
Conditionally returned | Contains information on the NOAA used when an application is declined for single reason related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application.
**Allowable Values:**
Existing `noaa_single_reason_with_dodd_frank` object |
| noaa\_single\_reason\_with\_dodd\_frank.**template\_token**
string
Conditionally returned | Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.
**Allowable Values:**
Existing template token for the Terms Schedule, Account Statement, or NOAA |
| noaa\_single\_reason\_with\_dodd\_frank.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| noaa\_single\_reason\_with\_dodd\_frank.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| noaa\_single\_reason\_with\_dodd\_frank.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| noaa\_multiple\_reason\_with\_dodd\_frank
object
Conditionally returned | Contains information on the NOAA used when an application is declined for multiple reasons related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application.
**Allowable Values:**
Existing `noaa_multiple_reason_with_dodd_frank` object |
| noaa\_multiple\_reason\_with\_dodd\_frank.**template\_token**
string
Conditionally returned | Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.
**Allowable Values:**
Existing template token for the Terms Schedule, Account Statement, or NOAA |
| noaa\_multiple\_reason\_with\_dodd\_frank.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| noaa\_multiple\_reason\_with\_dodd\_frank.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| noaa\_multiple\_reason\_with\_dodd\_frank.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| created\_time
datetime
Conditionally returned | Date and time when the document policy was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| updated\_time
datetime
Conditionally returned | Date and time when the document policy was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
Sample response body
```json JSON expandable lines wrap theme={null}
{
"token": "my_document_policy_token_1234",
"name": "My Changed Document Policy",
"summary_of_credit_terms": {
"asset_token": "a_summary_of_credit_terms_asset_token321",
"asset_urls": {
"pdf": "https://url.com/a_summary_of_credit_terms_asset_token321.pdf",
"png": "https://url.com/a_summary_of_credit_terms_asset_token321.png",
"html": "https://url.com/a_summary_of_credit_terms_asset_token321.html"
},
"template_token": "a_summary_of_credit_terms_template_token321",
"template_urls": {
"html": "https://url.com/a_summary_of_credit_terms_template_token321.html"
}
},
"rewards_disclosure": {
"asset_token": "a_rewards_disclosure_asset_token321",
"asset_urls": {
"pdf": "https://url.com/a_rewards_disclosure_asset_token321.pdf",
"png": "https://url.com/a_rewards_disclosure_asset_token321.png",
"html": "https://url.com/a_rewards_disclosure_asset_token321.html"
},
"template_token": "a_rewards_disclosure_template_token321",
"template_urls": {
"html": "https://url.com/a_rewards_disclosure_template_token321.html"
}
},
"pre_qualification_disclosure": {
"asset_token": "a_pre_qualification_disclosure_asset_token321",
"asset_urls": {
"pdf": "https://url.com/a_pre_qualification_disclosure_asset_token321.pdf",
"png": "https://url.com/a_pre_qualification_disclosure_asset_token321.png",
"html": "https://url.com/a_pre_qualification_disclosure_asset_token321.html"
},
"template_token": "a_pre_qualification_disclosure_template_token321",
"template_urls": {
"html": "https://url.com/a_pre_qualification_disclosure_template_token321.html"
}
},
"terms_schedule": {
"template_token": "a_terms_schedule_template_token321",
"template_urls": {
"html": "https://url.com/a_terms_schedule_template_token321.html"
}
},
"benefits_disclosure_traditional": {
"asset_token": "a_benefits_disclosure_traditional_asset_token321",
"asset_urls": {
"pdf": "https://url.com/a_benefits_disclosure_traditional_asset_token321.pdf",
"png": "https://url.com/a_benefits_disclosure_traditional_asset_token321.png",
"html": "https://url.com/a_benefits_disclosure_traditional_asset_token321.html"
}
},
"benefits_disclosure_premium": {
"asset_token": "a_benefits_disclosure_premium_asset_token321",
"asset_urls": {
"pdf": "https://url.com/a_benefits_disclosure_premium_asset_token321.pdf",
"png": "https://url.com/a_benefits_disclosure_premium_asset_token321.png",
"html": "https://url.com/a_benefits_disclosure_premium_asset_token321.html"
}
},
"privacy_policy": {
"asset_token": "a_privacy_policy_asset_token321",
"asset_urls": {
"pdf": "https://url.com/a_privacy_policy_asset_token321.pdf",
"png": "https://url.com/a_privacy_policy_asset_token321.png",
"html": "https://url.com/a_privacy_policy_asset_token321.html"
}
},
"e_disclosure": {
"asset_token": "a_e_disclosure_asset_token321",
"asset_urls": {
"pdf": "https://url.com/a_e_disclosure_asset_token321.pdf",
"png": "https://url.com/a_e_disclosure_asset_token321.png",
"html": "https://url.com/a_e_disclosure_asset_token321.html"
}
},
"card_member_agreement": {
"asset_token": "a_card_member_agreement_asset_token321",
"asset_urls": {
"pdf": "https://url.com/a_card_member_agreement_asset_token321.pdf",
"png": "https://url.com/a_card_member_agreement_asset_token321.png",
"html": "https://url.com/a_card_member_agreement_asset_token321.html"
}
},
"account_statement": {
"template_token": "an_account_statement_template_token321",
"template_urls": {
"html": "https://url.com/an_account_statement_template_token321.html"
}
},
"noaa_single_reason": {
"template_token": "an_noaa_single_reason_template_token321",
"template_urls": {
"html": "https://url.com/an_noaa_single_reason_template_token321.html"
}
},
"noaa_single_reason_with_dodd_frank": {
"template_token": "an_noaa_single_reason_with_dodd_frank_template_token321",
"template_urls": {
"html": "https://url.com/an_noaa_single_reason_with_dodd_frank_template_token321.html"
}
},
"noaa_multiple_reason_with_dodd_frank": {
"template_token": "an_noaa_multiple_reason_with_dodd_frank_template_token321",
"template_urls": {
"html": "https://url.com/an_noaa_multiple_reason_with_dodd_frank_template_token321.html"
}
},
"created_time": "2025-04-01T23:41:58.802Z",
"updated_time": "2025-04-05T16:04:48.643Z"
}
```
Clone document policy
**Action:** `POST`\
**Endpoint:** `/credit/policies/documents/{token}/clone`
Create a new document policy based on an existing document policy. A document policy consists of all the pre- and post-application disclosures and credit program documents known as assets and templates. Assets contain finalized values after a bundle is created; templates do not contain finalized values.
URL path parameters
| Fields | Description |
| ------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token
string
Required | Unique identifier of the document policy to clone.
Send a `GET` request to `/policies/documents` to retrieve existing document policy tokens.
**Allowable Values:**
Existing document policy token |
Response body
| Fields | Description |
| --------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| token
string
Conditionally returned | Unique identifier of the document policy.
**Allowable Values:**
36 char max |
| name
string
Conditionally returned | Name of the document policy.
**Allowable Values:**
255 char max |
| summary\_of\_credit\_terms
object
Conditionally returned | Contains information on the Summary of Credit Terms (SOCT), which is a pre- and post-application disclosure that outlines the terms of an account, such as the interest rates, interest charges, associated fees, and more.
**Allowable Values:**
Existing `summary_of_credit_terms` object |
| summary\_of\_credit\_terms.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the SOCT or Rewards Disclosure |
| summary\_of\_credit\_terms.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| summary\_of\_credit\_terms.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| summary\_of\_credit\_terms.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| summary\_of\_credit\_terms.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| summary\_of\_credit\_terms.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| summary\_of\_credit\_terms.**template\_token**
string
Conditionally returned | Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document.
**Allowable Values:**
Existing template token for the SOCT or Rewards Disclosure |
| summary\_of\_credit\_terms.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| summary\_of\_credit\_terms.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| summary\_of\_credit\_terms.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| rewards\_disclosure
object
Conditionally returned | Contains information on the Rewards Disclosure, which is a pre- and post-application disclosure that provides details about the rewards program for a bundle.
**Allowable Values:**
Existing `rewards_disclosure` object |
| rewards\_disclosure.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the SOCT or Rewards Disclosure |
| rewards\_disclosure.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| rewards\_disclosure.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| rewards\_disclosure.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| rewards\_disclosure.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| rewards\_disclosure.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| rewards\_disclosure.**template\_token**
string
Conditionally returned | Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document.
**Allowable Values:**
Existing template token for the SOCT or Rewards Disclosure |
| rewards\_disclosure.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| rewards\_disclosure.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| rewards\_disclosure.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| pre\_qualification\_disclosure
object
Conditionally returned | Contains information on the Pre-Qualification Disclosure, which is a pre-disclosure that provides details about the pre-qualification offer for the user.
**Allowable Values:**
Existing `pre_qualification_disclosure` object |
| pre\_qualification\_disclosure.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the SOCT or Rewards Disclosure |
| pre\_qualification\_disclosure.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| pre\_qualification\_disclosure.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| pre\_qualification\_disclosure.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| pre\_qualification\_disclosure.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| pre\_qualification\_disclosure.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| pre\_qualification\_disclosure.**template\_token**
string
Conditionally returned | Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document.
**Allowable Values:**
Existing template token for the SOCT or Rewards Disclosure |
| pre\_qualification\_disclosure.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| pre\_qualification\_disclosure.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| pre\_qualification\_disclosure.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| terms\_schedule
object
Conditionally returned | Contains information on the Terms Schedule, which is a post-application disclosure that contains the terms of credit for an account, including the interest rate details.
**Allowable Values:**
Existing `terms_schedule` object |
| terms\_schedule.**template\_token**
string
Conditionally returned | Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.
**Allowable Values:**
Existing template token for the Terms Schedule, Account Statement, or NOAA |
| terms\_schedule.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| terms\_schedule.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| terms\_schedule.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| benefits\_disclosure\_traditional
object
Conditionally returned | Contains information on the Benefits Disclosure (Traditional), which is a post-application disclosure that outlines the network benefits of a traditional Mastercard or Visa card.
**Allowable Values:**
Existing `benefits_disclosure_traditional` object |
| benefits\_disclosure\_traditional.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement |
| benefits\_disclosure\_traditional.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| benefits\_disclosure\_traditional.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| benefits\_disclosure\_traditional.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| benefits\_disclosure\_traditional.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| benefits\_disclosure\_traditional.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| benefits\_disclosure\_premium
object
Conditionally returned | Contains information on the Benefits Disclosure (Premium), which is a post-application disclosure that outlines the network benefits of a Mastercard World or Visa Signature card.
**Allowable Values:**
Existing `benefits_disclosure_premium` object |
| benefits\_disclosure\_premium.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement |
| benefits\_disclosure\_premium.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| benefits\_disclosure\_premium.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| benefits\_disclosure\_premium.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| benefits\_disclosure\_premium.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| benefits\_disclosure\_premium.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| privacy\_policy
object
Conditionally returned | Contains information on the Privacy Policy, which is a pre-application disclosure that explains how an applicant’s data is used and managed.
**Allowable Values:**
Existing `privacy_policy` object |
| privacy\_policy.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement |
| privacy\_policy.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| privacy\_policy.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| privacy\_policy.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| privacy\_policy.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| privacy\_policy.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| e\_disclosure
object
Conditionally returned | Contains information on the eDisclosure, which is a pre-application disclosure that states that users are to receive their disclosures electronically.
**Allowable Values:**
Existing `e_disclosure` object |
| e\_disclosure.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement |
| e\_disclosure.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| e\_disclosure.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| e\_disclosure.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| e\_disclosure.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| e\_disclosure.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| card\_member\_agreement
object
Conditionally returned | Contains information on the Card Member Agreement, which is a post-application disclosure that specifies the terms and conditions of an account, including the interest rates, interest charges, fees, minimum payment calculations, and more.
**Allowable Values:**
Existing `card_member_agreement` object |
| card\_member\_agreement.**asset\_token**
string
Conditionally returned | Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.
**Allowable Values:**
Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement |
| card\_member\_agreement.**asset\_urls**
object
Conditionally returned | Contains one or more URLs for an asset.
**Allowable Values:**
One or more `asset_urls` objects |
| card\_member\_agreement.asset\_urls.**pdf**
string
Returned | URL to the PDF version of the asset.
**Allowable Values:**
Valid URL |
| card\_member\_agreement.asset\_urls.**png**
string
Returned | URL to the PNG version of the asset.
**Allowable Values:**
Valid URL |
| card\_member\_agreement.asset\_urls.**html**
string
Returned | URL to the HTML version of the asset.
**Allowable Values:**
Valid URL |
| card\_member\_agreement.**asset\_created\_time**
datetime
Conditionally returned | Date and time when the asset was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| account\_statement
object
Conditionally returned | Contains information on the Account Statement, which outlines the information that appears on the statements generated for a credit account.
**Allowable Values:**
Existing `account_statement` object |
| account\_statement.**template\_token**
string
Conditionally returned | Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.
**Allowable Values:**
Existing template token for the Terms Schedule, Account Statement, or NOAA |
| account\_statement.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| account\_statement.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| account\_statement.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| noaa\_single\_reason
object
Conditionally returned | Contains information on the Notice of Adverse Action (NOAA) used when an application is declined for single reason.
**Allowable Values:**
Existing `noaa_single_reason` object |
| noaa\_single\_reason.**template\_token**
string
Conditionally returned | Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.
**Allowable Values:**
Existing template token for the Terms Schedule, Account Statement, or NOAA |
| noaa\_single\_reason.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| noaa\_single\_reason.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| noaa\_single\_reason.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| noaa\_single\_reason\_with\_dodd\_frank
object
Conditionally returned | Contains information on the NOAA used when an application is declined for single reason related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application.
**Allowable Values:**
Existing `noaa_single_reason_with_dodd_frank` object |
| noaa\_single\_reason\_with\_dodd\_frank.**template\_token**
string
Conditionally returned | Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.
**Allowable Values:**
Existing template token for the Terms Schedule, Account Statement, or NOAA |
| noaa\_single\_reason\_with\_dodd\_frank.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| noaa\_single\_reason\_with\_dodd\_frank.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| noaa\_single\_reason\_with\_dodd\_frank.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| noaa\_multiple\_reason\_with\_dodd\_frank
object
Conditionally returned | Contains information on the NOAA used when an application is declined for multiple reasons related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application.
**Allowable Values:**
Existing `noaa_multiple_reason_with_dodd_frank` object |
| noaa\_multiple\_reason\_with\_dodd\_frank.**template\_token**
string
Conditionally returned | Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.
**Allowable Values:**
Existing template token for the Terms Schedule, Account Statement, or NOAA |
| noaa\_multiple\_reason\_with\_dodd\_frank.**template\_urls**
object
Conditionally returned | Contains one or more URLs for a template.
**Allowable Values:**
One or more `template_urls` objects |
| noaa\_multiple\_reason\_with\_dodd\_frank.template\_urls.**html**
string
Returned | URL to the HTML version of the document template.
**Allowable Values:**
Valid URL |
| noaa\_multiple\_reason\_with\_dodd\_frank.**template\_created\_time**
datetime
Conditionally returned | Date and time when the template was created.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| created\_time
datetime
Conditionally returned | Date and time when the document policy was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| updated\_time
datetime
Conditionally returned | Date and time when the document policy was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
Sample response body
```json JSON expandable lines wrap theme={null}
{
"token": "my_document_policy_token_1234",
"name": "My Document Policy",
"summary_of_credit_terms": {
"asset_token": "a_summary_of_credit_terms_asset_token1234",
"asset_urls": {
"pdf": "https://url.com/a_summary_of_credit_terms_asset_token1234.pdf",
"png": "https://url.com/a_summary_of_credit_terms_asset_token1234.png",
"html": "https://url.com/a_summary_of_credit_terms_asset_token1234.html"
},
"template_token": "a_summary_of_credit_terms_template_token1234",
"template_urls": {
"html": "https://asset-bucket.s3.amazonaws.com/short_code/a_summary_of_credit_terms_template_token1234/a_summary_of_credit_terms_template_token1234.html"
}
},
"rewards_disclosure": {
"asset_token": "a_rewards_disclosure_asset_token1234",
"asset_urls": {
"pdf": "https://url.com/a_rewards_disclosure_asset_token1234.pdf",
"png": "https://url.com/a_rewards_disclosure_asset_token1234.png",
"html": "https://url.com/a_rewards_disclosure_asset_token1234.html"
},
"template_token": "a_rewards_disclosure_template_token1234",
"template_urls": {
"html": "https://url.com/a_rewards_disclosure_template_token1234.html"
}
},
"pre_qualification_disclosure": {
"asset_token": "a_pre_qualification_disclosure_asset_token1234",
"asset_urls": {
"pdf": "https://url.com/a_pre_qualification_disclosure_asset_token1234.pdf",
"png": "https://url.com/a_pre_qualification_disclosure_asset_token1234.png",
"html": "https://url.com/a_pre_qualification_disclosure_asset_token1234.html"
},
"template_token": "a_pre_qualification_disclosure_template_token1234",
"template_urls": {
"html": "https://url.com/a_pre_qualification_disclosure_template_token1234.html"
}
},
"terms_schedule": {
"template_token": "a_terms_schedule_template_token1234",
"template_urls": {
"html": "https://url.com/a_terms_schedule_template_token1234.html"
}
},
"benefits_disclosure": {
"asset_token": "a_benefits_disclosure_asset_token1234",
"asset_urls": {
"pdf": "https://url.com/a_benefits_disclosure_asset_token1234.pdf",
"png": "https://url.com/a_benefits_disclosure_asset_token1234.png",
"html": "https://url.com/a_benefits_disclosure_asset_token1234.html"
}
},
"notice_of_adverse_action": {
"template_token": "a_notice_of_adverse_action_template_token1234",
"template_urls": {
"html": "https://url.com/a_notice_of_adverse_action_template_token1234.html"
}
},
"privacy_policy": {
"asset_token": "a_privacy_policy_asset_token1234",
"asset_urls": {
"pdf": "https://url.com/a_privacy_policy_asset_token1234.pdf",
"png": "https://url.com/a_privacy_policy_asset_token1234.png",
"html": "https://url.com/a_privacy_policy_asset_token1234.html"
}
},
"e_disclosure": {
"asset_token": "a_e_disclosure_asset_token1234",
"asset_urls": {
"pdf": "https://url.com/a_e_disclosure_asset_token1234.pdf",
"png": "https://url.com/a_e_disclosure_asset_token1234.png",
"html": "https://url.com/a_e_disclosure_asset_token1234.html"
}
},
"card_member_agreement": {
"asset_token": "a_card_member_agreement_asset_token1234",
"asset_urls": {
"pdf": "https://url.com/a_card_member_agreement_asset_token1234.pdf",
"png": "https://url.com/a_card_member_agreement_asset_token1234.png",
"html": "https://url.com/a_card_member_agreement_asset_token1234.html"
}
},
"account_statement": {
"template_token": "an_account_statement_template_token1234",
"template_urls": {
"html": "https://url.com/an_account_statement_template_token1234.html"
}
},
"created_time": "2025-04-01T23:41:58.802Z",
"updated_time": "2025-04-05T16:04:48.643Z"
}
```
Create credit product policy
**Action:** `POST`\
**Endpoint:** `/credit/policies/products`
Create a new credit product policy.
Request body
| Fields | Description |
| ---------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token
string
Optional | Unique identifier of the credit product policy.
**Allowable Values:**
36 char max |
| card\_products
array of objects
Required | One or more card products associated with the credit product policy.
**Allowable Values:**
One or more `card_products` objects |
| card\_products\[].**token**
string
Required | Unique identifier of the card product.
**Allowable Values:**
36 char max |
| card\_products\[].**level**
string
Required | Level of the card product.
**Allowable Values:**
`PREMIUM`, `TRADITIONAL` |
| name
string
Required | Name of the credit product policy.
**Allowable Values:**
1 char min |
| description
string
Optional | Description of the credit product policy.
**Allowable Values:**
255 char max |
| classification
string
Required | Specifies for whom the credit product is intended.
- `CONSUMER` - The credit product is intended for individual consumers.
- `SMALL_AND_MEDIUM_BUSINESS` - The credit product is intended for small and medium business.
**Allowable Values:**
`CONSUMER`, `SMALL_AND_MEDIUM_BUSINESS` |
| product\_type
string
Required | Type of credit product.
`REVOLVING` - Allows users to continuously borrow and pay debts up to the credit limit.
**Allowable Values:**
`REVOLVING` |
| product\_sub\_type
string
Required | Subtype of the credit product type.
- `CREDIT_CARD` - Card that enables the cardholder to make purchases on credit.
- `SECURED_CARD` - Card backed by a user-funded deposit that enables the cardholder to make purchases on credit.
**Allowable Values:**
`CREDIT_CARD`, `SECURED_CARD` |
| currency\_code
string
Required | Valid three-digit ISO 4217 currency code.
**Allowable Values:**
`USD` |
| credit\_line
object
Required | Contains information on the credit line range.
**Allowable Values:**
Existing `credit_line` object |
| credit\_line.**min**
decimal
Required | Minimum credit limit.
**Allowable Values:**
0–999999999999.99 |
| credit\_line.**max**
decimal
Required | Maximum credit limit.
**Allowable Values:**
0–999999999999.99 |
| usage
array of strings
Required | One or more usage types for the credit product policy.
**Allowable Values:**
`PURCHASE` |
| interest\_calculation
object
Required | Contains the configurations for interest calculation.
**Allowable Values:**
Existing `interest_calculation` object |
| interest\_calculation.**method**
string
Required | Method of interest calculation.
**Allowable Values:**
`AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS` |
| interest\_calculation.**day\_count**
string
Required | Day-count convention.
**Allowable Values:**
`ACTUAL` |
| interest\_calculation.**interest\_application**
array of strings
Required | One or more balance types on which interest is applied.
**Allowable Values:**
`PRINCIPAL`, `FEES`, `INTEREST` |
| interest\_calculation.**minimum\_interest**
decimal
Required | When interest is applied, this value determines the minimum amount of interest that can be charged.
**Allowable Values:**
0–999999999999.99 |
| interest\_calculation.**interest\_on\_grace\_reactivation**
string
Required | Determines whether to charge or waive interest for the billing period when the balance is paid off.
**Allowable Values:**
`ACCRUE_FULL_CYCLE`, `ACCRUE_PAYMENT_DATE`, `WAIVE` |
| interest\_calculation.**grace\_days\_application**
string
Required | Determines the last day of grace period based on which interest charges are calculated.
**Allowable Values:**
`NEXT_CYCLE_DATE` |
| interest\_calculation.**exclude\_tran\_types**
array of strings
Optional | One or more transactions that are excluded from current billing period’s interest charge, but included in next.
**Allowable Values:**
`LATE_PAYMENT_FEE`, `ANNUAL_FEE`, `MONTHLY_FEE`, `CASH_BACK_STATEMENT_CREDIT`, `RETURNED_PAYMENT_FEE`, `FOREIGN_TRANSACTION_FEE` |
| payments
object
Required | Contains the configurations for billing cycle day, payment due day, and fees.
**Allowable Values:**
Existing `payments` object |
| payments.**billing\_cycle\_day**
integer
Required | Day of the month when the billing cycle starts.
**Allowable Values:**
1–28 |
| payments.**due\_day**
integer
Optional | Day of month the payment for the previous billing cycle is due.
This field is being deprecated and replaced by `payment_due_interval` of a product policy. To retrieve `payment_due_interval`, see Retrieve credit product policy, payments.payment\_due\_interval.
**Allowable Values:**
31 |
| payments.**billing\_cycle\_frequency**
string
Optional | Frequency at which the account is billed.
**Allowable Values:**
`MONTHLY` |
| payments.**payment\_due\_interval**
integer
Optional | Specifies the payment due interval that is used to determine the payment due date for a billing cycle. A value of -1 indicates one day prior to the next billing cycle date.
For consumer programs, a minimum gap of 21 days is required between when a statement is delivered and the payment due date.
**Allowable Values:**
-1 min
Positive integers greater than 0; -1 is the default value |
| payments.**billing\_cycle\_day\_strategy**
string
Optional | Determines if the billing cycle day is manually set or determined dynamically during account creation based on cycling logic.
**Allowable Values:**
`MANUAL` |
| payments.**allocation\_order**
array of strings
Required | Ordered list of balance types to which payments are allocated, from first to last.
**Allowable Values:**
`INTEREST`, `FEES`, `PRINCIPAL` |
| payments.**min\_payment\_calculation**
object
Required | Contains information used to calculate the minimum payment amount on a credit product policy.
**Allowable Values:**
Existing `min_payment_calculation` object |
| payments.min\_payment\_calculation.**include\_past\_due\_amount**
boolean
Required | Whether to include the past due amount when calculating the minimum payment.
**Allowable Values:**
`true`, `false` |
| payments.min\_payment\_calculation.**include\_overlimit\_amount**
boolean
Required | Whether to include the overlimit amount when calculating the minimum payment.
**Allowable Values:**
`true`, `false` |
| payments.min\_payment\_calculation.**min\_payment\_flat\_amount**
decimal
Optional | Minimum payment, expressed as a flat amount, due on the payment due day.
**Allowable Values:**
Format: 0.00 |
| payments.min\_payment\_calculation.**min\_payment\_percentage**
object
Optional | Contains information used to calculate the minimum payment amount when expressed as a percentage.
**Allowable Values:**
Existing `min_payment_percentage` object |
| payments.min\_payment\_calculation.min\_payment\_percentage.**percentage\_of\_balance**
decimal
Required | Minimum payment, expressed as a percentage of the total statement balance, due on the payment due day.
**Allowable Values:**
0.0001–100 |
| payments.min\_payment\_calculation.min\_payment\_percentage.**include\_interest\_charged**
boolean
Required | Whether to include the amount of interest charged when calculating the minimum payment.
**Allowable Values:**
`true`, `false` |
| payments.min\_payment\_calculation.min\_payment\_percentage.**include\_all\_fees\_charged**
boolean
Optional | Whether to include all fees charged when calculating the minimum payment.
**Allowable Values:**
`true`, `false` |
Sample request body
```json JSON expandable lines wrap theme={null}
{
"token": "my_credit_product_policy_token_1234",
"card_products": [
{
"token": "my_card_product_token1234",
"level": "TRADITIONAL",
"network": "VISA"
}
],
"name": "Gold Credit Product Policy",
"description": "A gold credit product policy",
"classification": "CONSUMER",
"product_type": "REVOLVING",
"product_sub_type": "CREDIT_CARD",
"currency_code": "USD",
"credit_line": {
"min": 50,
"max": 3500
},
"usage": [
"PURCHASE"
],
"interest_calculation": {
"method": "AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS",
"day_count": "ACTUAL",
"interest_application": [
"PRINCIPAL",
"FEES"
],
"minimum_interest": 1,
"interest_on_grace_reactivation": "ACCRUE_PAYMENT_DATE",
"grace_days_application": "NEXT_CYCLE_DATE",
"exclude_tran_types": [
"ANNUAL_FEE",
"LATE_PAYMENT_FEE",
"CASH_BACK_STATEMENT_CREDIT",
"FOREIGN_TRANSACTION_FEE"
]
},
"payments": {
"billing_cycle_day": 1,
"allocation_order": [
"INTEREST",
"FEES",
"PRINCIPAL"
],
"min_payment_calculation": {
"include_past_due_amount": false,
"include_overlimit_amount": true,
"min_payment_flat_amount": 20,
"min_payment_percentage": {
"percentage_of_balance": 1,
"include_interest_charged": false,
"include_fees_charged": [
"LATE_PAYMENT_FEE",
"FOREIGN_TRANSACTION_FEE"
]
}
}
}
}
```
Response body
| Fields | Description |
| ------------------------------------------------------------------------------------------------------------------------------------------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token
string
Conditionally returned | Unique identifier of the credit product policy.
**Allowable Values:**
36 char max |
| card\_products
array of objects
Conditionally returned | One or more card products associated with the credit product policy.
**Allowable Values:**
One or more `card_products` objects |
| card\_products\[].**token**
string
Conditionally returned | Unique identifier of the card product.
**Allowable Values:**
36 char max |
| card\_products\[].**level**
string
Conditionally returned | Level of the card product.
**Allowable Values:**
`PREMIUM`, `TRADITIONAL` |
| card\_products\[].**network**
string
Conditionally returned | Name of the card network.
**Allowable Values:**
`VISA`, `MASTERCARD`, `SANDBOX` |
| name
string
Conditionally returned | Name of the credit product policy.
**Allowable Values:**
1 char min |
| description
string
Conditionally returned | Description of the credit product policy.
**Allowable Values:**
255 char max |
| classification
string
Conditionally returned | Specifies for whom the credit product is intended.
- `CONSUMER` - The credit product is intended for individual consumers.
- `SMALL_AND_MEDIUM_BUSINESS` - The credit product is intended for small and medium business.
**Allowable Values:**
`CONSUMER`, `SMALL_AND_MEDIUM_BUSINESS` |
| product\_type
string
Conditionally returned | Type of credit product.
`REVOLVING` - Allows users to continuously borrow and pay debts up to the credit limit.
**Allowable Values:**
`REVOLVING` |
| product\_sub\_type
string
Conditionally returned | Subtype of the credit product type.
- `CREDIT_CARD` - Card that enables the cardholder to make purchases on credit.
- `SECURED_CARD` - Card backed by a user-funded deposit that enables the cardholder to make purchases on credit.
**Allowable Values:**
`CREDIT_CARD`, `SECURED_CARD` |
| currency\_code
string
Conditionally returned | Valid three-digit ISO 4217 currency code.
**Allowable Values:**
`USD` |
| credit\_line
object
Conditionally returned | Contains information on the credit line range.
**Allowable Values:**
Existing `credit_line` object |
| credit\_line.**min**
decimal
Returned | Minimum credit limit.
**Allowable Values:**
0–999999999999.99 |
| credit\_line.**max**
decimal
Returned | Maximum credit limit.
**Allowable Values:**
0–999999999999.99 |
| usage
array of strings
Conditionally returned | One or more usage types for the credit product policy.
**Allowable Values:**
`PURCHASE`
Valid `usage` array |
| interest\_calculation
object
Conditionally returned | Contains the configurations for interest calculation.
**Allowable Values:**
Existing `interest_calculation` object |
| interest\_calculation.**method**
string
Returned | Method of interest calculation.
**Allowable Values:**
`AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS` |
| interest\_calculation.**day\_count**
string
Returned | Day-count convention.
**Allowable Values:**
`ACTUAL` |
| interest\_calculation.**interest\_application**
array of strings
Returned | One or more balance types on which interest is applied.
**Allowable Values:**
`PRINCIPAL`, `FEES`, `INTEREST` |
| interest\_calculation.**minimum\_interest**
decimal
Returned | When interest is applied, this value determines the minimum amount of interest that can be charged.
**Allowable Values:**
0–999999999999.99 |
| interest\_calculation.**interest\_on\_grace\_reactivation**
string
Returned | Determines whether to charge or waive interest for the billing period when the balance is paid off.
**Allowable Values:**
`ACCRUE_FULL_CYCLE`, `ACCRUE_PAYMENT_DATE`, `WAIVE` |
| interest\_calculation.**grace\_days\_application**
string
Returned | Determines the last day of grace period based on which interest charges are calculated.
**Allowable Values:**
`NEXT_CYCLE_DATE` |
| interest\_calculation.**exclude\_tran\_types**
array of strings
Conditionally returned | One or more transactions that are excluded from current billing period’s interest charge, but included in next.
**Allowable Values:**
`LATE_PAYMENT_FEE`, `ANNUAL_FEE`, `MONTHLY_FEE`, `CASH_BACK_STATEMENT_CREDIT`, `RETURNED_PAYMENT_FEE`, `FOREIGN_TRANSACTION_FEE` |
| payments
object
Conditionally returned | Contains the configurations for billing cycle day, payment due day, and fees.
**Allowable Values:**
Existing `payments` object |
| payments.**billing\_cycle\_day**
integer
Returned | Day of the month when the billing cycle starts.
**Allowable Values:**
1–28 |
| payments.**due\_day**
integer
Conditionally returned | Day of month the payment for the previous billing cycle is due.
This field is being deprecated and replaced by `payment_due_interval` of a product policy. To retrieve `payment_due_interval`, see Retrieve credit product policy, payments.payment\_due\_interval.
**Allowable Values:**
31 |
| payments.**billing\_cycle\_frequency**
string
Conditionally returned | Frequency at which the account is billed.
**Allowable Values:**
`MONTHLY` |
| payments.**payment\_due\_interval**
integer
Conditionally returned | Specifies the payment due interval that is used to determine the payment due date for a billing cycle. A value of -1 indicates one day prior to the next billing cycle date.
For consumer programs, a minimum gap of 21 days is required between when a statement is delivered and the payment due date.
**Allowable Values:**
-1 min
Positive integers greater than 0; -1 is the default value |
| payments.**billing\_cycle\_day\_strategy**
string
Conditionally returned | Determines if the billing cycle day is manually set or determined dynamically during account creation based on cycling logic.
**Allowable Values:**
`MANUAL` |
| payments.**allocation\_order**
array of strings
Returned | Ordered list of balance types to which payments are allocated, from first to last.
**Allowable Values:**
`INTEREST`, `FEES`, `PRINCIPAL` |
| payments.**min\_payment\_calculation**
object
Returned | Contains information used to calculate the minimum payment amount on a credit product policy.
**Allowable Values:**
Existing `min_payment_calculation` object |
| payments.min\_payment\_calculation.**include\_past\_due\_amount**
boolean
Returned | Whether to include the past due amount when calculating the minimum payment.
**Allowable Values:**
`true`, `false` |
| payments.min\_payment\_calculation.**include\_overlimit\_amount**
boolean
Returned | Whether to include the overlimit amount when calculating the minimum payment.
**Allowable Values:**
`true`, `false` |
| payments.min\_payment\_calculation.**min\_payment\_flat\_amount**
decimal
Conditionally returned | Minimum payment, expressed as a flat amount, due on the payment due day.
**Allowable Values:**
Format: 0.00 |
| payments.min\_payment\_calculation.**min\_payment\_percentage**
object
Conditionally returned | Contains information used to calculate the minimum payment amount when expressed as a percentage.
**Allowable Values:**
Existing `min_payment_percentage` object |
| payments.min\_payment\_calculation.min\_payment\_percentage.**percentage\_of\_balance**
decimal
Returned | Minimum payment, expressed as a percentage of the total statement balance, due on the payment due day.
**Allowable Values:**
0.0001–100 |
| payments.min\_payment\_calculation.min\_payment\_percentage.**include\_interest\_charged**
boolean
Returned | Whether to include the amount of interest charged when calculating the minimum payment.
**Allowable Values:**
`true`, `false` |
| payments.min\_payment\_calculation.min\_payment\_percentage.**include\_all\_fees\_charged**
boolean
Conditionally returned | Whether to include all fees charged when calculating the minimum payment.
**Allowable Values:**
`true`, `false` |
| created\_time
datetime
Conditionally returned | Date and time when the credit product policy was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| updated\_time
datetime
Conditionally returned | Date and time when the credit product policy was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
Sample response body
```json JSON expandable lines wrap theme={null}
{
"token": "my_credit_product_policy_token_1234",
"card_products": [
{
"token": "my_card_product_token1234",
"level": "TRADITIONAL",
"network": "VISA"
}
],
"name": "Gold Credit Product Policy",
"description": "A gold credit product policy",
"classification": "CONSUMER",
"product_type": "REVOLVING",
"product_sub_type": "CREDIT_CARD",
"currency_code": "USD",
"credit_line": {
"min": 50,
"max": 3500
},
"usage": [
"PURCHASE"
],
"interest_calculation": {
"method": "AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS",
"day_count": "ACTUAL",
"interest_application": [
"PRINCIPAL",
"FEES"
],
"minimum_interest": 1,
"interest_on_grace_reactivation": "ACCRUE_PAYMENT_DATE",
"grace_days_application": "NEXT_CYCLE_DATE",
"exclude_tran_types": [
"ANNUAL_FEE",
"LATE_PAYMENT_FEE",
"CASH_BACK_STATEMENT_CREDIT",
"FOREIGN_TRANSACTION_FEE"
]
},
"payments": {
"billing_cycle_day": 1,
"allocation_order": [
"INTEREST",
"FEES",
"PRINCIPAL"
],
"min_payment_calculation": {
"include_past_due_amount": false,
"include_overlimit_amount": true,
"min_payment_flat_amount": 20,
"min_payment_percentage": {
"percentage_of_balance": 1,
"include_interest_charged": false,
"include_fees_charged": [
"LATE_PAYMENT_FEE",
"FOREIGN_TRANSACTION_FEE"
]
}
}
},
"created_time": "2025-04-01T23:41:58.802Z",
"updated_time": "2025-04-05T16:04:48.643Z"
}
```
List credit product policies
**Action:** `GET`\
**Endpoint:** `/credit/policies/products`
Retrieve an array of existing credit product policies.
This endpoint supports [sorting and pagination](/core-api/sorting-and-pagination/).
URL query parameters
| Fields | Description |
| --------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| count
integer
Optional | Number of product policy resources to retrieve.
**Allowable Values:**
1–100 |
| start\_index
integer
Optional | Sort order index of the first resource in the returned array.
**Allowable Values:**
0 min |
| sort\_by
string
Optional | Field on which to sort. Prefix the field name with a hyphen (`-`) to sort in descending order. Omit the hyphen to sort in ascending order.
**NOTE:** You must sort using system field names such as `lastModifiedTime`, and not by the field names appearing in response bodies such as `last_modified_time`.
**Allowable Values:**
`lastModifiedTime`, `-lastModifiedTime` |
Response body
| Fields | Description |
| -------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| count
integer
Returned | Number of resources returned.
**Allowable Values:**
1-10 |
| start\_index
integer
Returned | Sort order index of the first resource in the returned array.
**Allowable Values:**
Any integer |
| end\_index
integer
Returned | Sort order index of the last resource in the returned array.
**Allowable Values:**
Any integer |
| is\_more
boolean
Returned | A value of `true` indicates that more unreturned resources exist.
**Allowable Values:**
`true`, `false` |
| data
array of objects
Returned | One or more credit product policies.
**Allowable Values:**
One or more credit product policy objects |
| data\[].**token**
string
Conditionally returned | Unique identifier of the credit product policy.
**Allowable Values:**
36 char max |
| data\[].**card\_products**
array of objects
Conditionally returned | One or more card products associated with the credit product policy.
**Allowable Values:**
One or more `card_products` objects |
| data\[].card\_products\[].**token**
string
Conditionally returned | Unique identifier of the card product.
**Allowable Values:**
36 char max |
| data\[].card\_products\[].**level**
string
Conditionally returned | Level of the card product.
**Allowable Values:**
`PREMIUM`, `TRADITIONAL` |
| data\[].card\_products\[].**network**
string
Conditionally returned | Name of the card network.
**Allowable Values:**
`VISA`, `MASTERCARD`, `SANDBOX` |
| data\[].**name**
string
Conditionally returned | Name of the credit product policy.
**Allowable Values:**
1 char min |
| data\[].**description**
string
Conditionally returned | Description of the credit product policy.
**Allowable Values:**
255 char max |
| data\[].**classification**
string
Conditionally returned | Specifies for whom the credit product is intended.
- `CONSUMER` - The credit product is intended for individual consumers.
- `SMALL_AND_MEDIUM_BUSINESS` - The credit product is intended for small and medium business.
**Allowable Values:**
`CONSUMER`, `SMALL_AND_MEDIUM_BUSINESS` |
| data\[].**product\_type**
string
Conditionally returned | Type of credit product.
`REVOLVING` - Allows users to continuously borrow and pay debts up to the credit limit.
**Allowable Values:**
`REVOLVING` |
| data\[].**product\_sub\_type**
string
Conditionally returned | Subtype of the credit product type.
- `CREDIT_CARD` - Card that enables the cardholder to make purchases on credit.
- `SECURED_CARD` - Card backed by a user-funded deposit that enables the cardholder to make purchases on credit.
**Allowable Values:**
`CREDIT_CARD`, `SECURED_CARD` |
| data\[].**currency\_code**
string
Conditionally returned | Valid three-digit ISO 4217 currency code.
**Allowable Values:**
`USD` |
| data\[].**credit\_line**
object
Conditionally returned | Contains information on the credit line range.
**Allowable Values:**
Existing `credit_line` object |
| data\[].credit\_line.**min**
decimal
Returned | Minimum credit limit.
**Allowable Values:**
0–999999999999.99 |
| data\[].credit\_line.**max**
decimal
Returned | Maximum credit limit.
**Allowable Values:**
0–999999999999.99 |
| data\[].**usage**
array of strings
Conditionally returned | One or more usage types for the credit product policy.
**Allowable Values:**
`PURCHASE`
Valid `usage` array |
| data\[].**interest\_calculation**
object
Conditionally returned | Contains the configurations for interest calculation.
**Allowable Values:**
Existing `interest_calculation` object |
| data\[].interest\_calculation.**method**
string
Returned | Method of interest calculation.
**Allowable Values:**
`AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS` |
| data\[].interest\_calculation.**day\_count**
string
Returned | Day-count convention.
**Allowable Values:**
`ACTUAL` |
| data\[].interest\_calculation.**interest\_application**
array of strings
Returned | One or more balance types on which interest is applied.
**Allowable Values:**
`PRINCIPAL`, `FEES`, `INTEREST` |
| data\[].interest\_calculation.**minimum\_interest**
decimal
Returned | When interest is applied, this value determines the minimum amount of interest that can be charged.
**Allowable Values:**
0–999999999999.99 |
| data\[].interest\_calculation.**interest\_on\_grace\_reactivation**
string
Returned | Determines whether to charge or waive interest for the billing period when the balance is paid off.
**Allowable Values:**
`ACCRUE_FULL_CYCLE`, `ACCRUE_PAYMENT_DATE`, `WAIVE` |
| data\[].interest\_calculation.**grace\_days\_application**
string
Returned | Determines the last day of grace period based on which interest charges are calculated.
**Allowable Values:**
`NEXT_CYCLE_DATE` |
| data\[].interest\_calculation.**exclude\_tran\_types**
array of strings
Conditionally returned | One or more transactions that are excluded from current billing period’s interest charge, but included in next.
**Allowable Values:**
`LATE_PAYMENT_FEE`, `ANNUAL_FEE`, `MONTHLY_FEE`, `CASH_BACK_STATEMENT_CREDIT`, `RETURNED_PAYMENT_FEE`, `FOREIGN_TRANSACTION_FEE` |
| data\[].**payments**
object
Conditionally returned | Contains the configurations for billing cycle day, payment due day, and fees.
**Allowable Values:**
Existing `payments` object |
| data\[].payments.**billing\_cycle\_day**
integer
Returned | Day of the month when the billing cycle starts.
**Allowable Values:**
1–28 |
| data\[].payments.**due\_day**
integer
Conditionally returned | Day of month the payment for the previous billing cycle is due.
This field is being deprecated and replaced by `payment_due_interval` of a product policy. To retrieve `payment_due_interval`, see Retrieve credit product policy, payments.payment\_due\_interval.
**Allowable Values:**
31 |
| data\[].payments.**billing\_cycle\_frequency**
string
Conditionally returned | Frequency at which the account is billed.
**Allowable Values:**
`MONTHLY` |
| data\[].payments.**payment\_due\_interval**
integer
Conditionally returned | Specifies the payment due interval that is used to determine the payment due date for a billing cycle. A value of -1 indicates one day prior to the next billing cycle date.
For consumer programs, a minimum gap of 21 days is required between when a statement is delivered and the payment due date.
**Allowable Values:**
-1 min
Positive integers greater than 0; -1 is the default value |
| data\[].payments.**billing\_cycle\_day\_strategy**
string
Conditionally returned | Determines if the billing cycle day is manually set or determined dynamically during account creation based on cycling logic.
**Allowable Values:**
`MANUAL` |
| data\[].payments.**allocation\_order**
array of strings
Returned | Ordered list of balance types to which payments are allocated, from first to last.
**Allowable Values:**
`INTEREST`, `FEES`, `PRINCIPAL` |
| data\[].payments.**min\_payment\_calculation**
object
Returned | Contains information used to calculate the minimum payment amount on a credit product policy.
**Allowable Values:**
Existing `min_payment_calculation` object |
| data\[].payments.min\_payment\_calculation.**include\_past\_due\_amount**
boolean
Returned | Whether to include the past due amount when calculating the minimum payment.
**Allowable Values:**
`true`, `false` |
| data\[].payments.min\_payment\_calculation.**include\_overlimit\_amount**
boolean
Returned | Whether to include the overlimit amount when calculating the minimum payment.
**Allowable Values:**
`true`, `false` |
| data\[].payments.min\_payment\_calculation.**min\_payment\_flat\_amount**
decimal
Conditionally returned | Minimum payment, expressed as a flat amount, due on the payment due day.
**Allowable Values:**
Format: 0.00 |
| data\[].payments.min\_payment\_calculation.**min\_payment\_percentage**
object
Conditionally returned | Contains information used to calculate the minimum payment amount when expressed as a percentage.
**Allowable Values:**
Existing `min_payment_percentage` object |
| data\[].payments.min\_payment\_calculation.min\_payment\_percentage.**percentage\_of\_balance**
decimal
Returned | Minimum payment, expressed as a percentage of the total statement balance, due on the payment due day.
**Allowable Values:**
0.0001–100 |
| data\[].payments.min\_payment\_calculation.min\_payment\_percentage.**include\_interest\_charged**
boolean
Returned | Whether to include the amount of interest charged when calculating the minimum payment.
**Allowable Values:**
`true`, `false` |
| data\[].payments.min\_payment\_calculation.min\_payment\_percentage.**include\_all\_fees\_charged**
boolean
Conditionally returned | Whether to include all fees charged when calculating the minimum payment.
**Allowable Values:**
`true`, `false` |
| data\[].**created\_time**
datetime
Conditionally returned | Date and time when the credit product policy was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| data\[].**updated\_time**
datetime
Conditionally returned | Date and time when the credit product policy was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
Sample response body
```json JSON expandable lines wrap theme={null}
{
"count": 2,
"start_index": 0,
"end_index": 2,
"is_more": true,
"data": [
{
"token": "my_credit_product_policy_token_1234",
"card_products": [
{
"token": "my_card_product_token1234",
"level": "TRADITIONAL",
"network": "VISA"
}
],
"name": "Gold Credit Product Policy",
"description": "A gold credit product policy",
"classification": "CONSUMER",
"product_type": "REVOLVING",
"product_sub_type": "CREDIT_CARD",
"currency_code": "USD",
"credit_line": {
"min": 50,
"max": 3500
},
"usage": [
"PURCHASE"
],
"interest_calculation": {
"method": "AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS",
"day_count": "ACTUAL",
"interest_application": [
"PRINCIPAL",
"FEES"
],
"minimum_interest": 1,
"interest_on_grace_reactivation": "ACCRUE_PAYMENT_DATE",
"grace_days_application": "NEXT_CYCLE_DATE",
"exclude_tran_types": [
"ANNUAL_FEE",
"LATE_PAYMENT_FEE",
"CASH_BACK_STATEMENT_CREDIT",
"FOREIGN_TRANSACTION_FEE"
]
},
"payments": {
"billing_cycle_day": 1,
"allocation_order": [
"INTEREST",
"FEES",
"PRINCIPAL"
],
"min_payment_calculation": {
"include_past_due_amount": false,
"include_overlimit_amount": true,
"min_payment_flat_amount": 20,
"min_payment_percentage": {
"percentage_of_balance": 1,
"include_interest_charged": false,
"include_fees_charged": [
"LATE_PAYMENT_FEE",
"FOREIGN_TRANSACTION_FEE"
]
}
}
},
"created_time": "2025-04-01T23:41:58.802Z",
"updated_time": "2025-04-05T16:04:48.643Z"
},
{
"token": "my_credit_product_policy_token_4321",
"card_products": [
{
"token": "my_card_product_token4321",
"level": "TRADITIONAL",
"network": "VISA"
}
],
"name": "Silver Credit Product Policy",
"description": "A silver credit product policy",
"classification": "CONSUMER",
"product_type": "REVOLVING",
"product_sub_type": "CREDIT_CARD",
"currency_code": "USD",
"credit_line": {
"min": 50,
"max": 3100
},
"usage": [
"PURCHASE"
],
"interest_calculation": {
"method": "AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS",
"day_count": "ACTUAL",
"interest_application": [
"PRINCIPAL",
"FEES"
],
"minimum_interest": 1,
"interest_on_grace_reactivation": "ACCRUE_PAYMENT_DATE",
"grace_days_application": "NEXT_CYCLE_DATE",
"exclude_tran_types": [
"ANNUAL_FEE",
"LATE_PAYMENT_FEE",
"CASH_BACK_STATEMENT_CREDIT",
"FOREIGN_TRANSACTION_FEE"
]
},
"payments": {
"billing_cycle_day": 1,
"allocation_order": [
"INTEREST",
"FEES",
"PRINCIPAL"
],
"min_payment_calculation": {
"include_past_due_amount": false,
"include_overlimit_amount": true,
"min_payment_flat_amount": 20,
"min_payment_percentage": {
"percentage_of_balance": 1,
"include_interest_charged": false,
"include_fees_charged": [
"LATE_PAYMENT_FEE",
"FOREIGN_TRANSACTION_FEE"
]
}
}
},
"created_time": "2025-04-01T23:41:58.802Z",
"updated_time": "2025-04-05T16:04:48.643Z"
}
]
}
```
Retrieve credit product policy
**Action:** `GET`\
**Endpoint:** `/credit/policies/products/{token}`
Retrieve a specific credit product policy.
URL path parameters
| Fields | Description |
| ------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token
string
Required | Unique identifier of the credit product policy to retrieve.
Send a `GET` request to `/policies/products` to retrieve existing credit product policy tokens.
**Allowable Values:**
Existing credit product policy token |
Response body
| Fields | Description |
| ------------------------------------------------------------------------------------------------------------------------------------------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token
string
Conditionally returned | Unique identifier of the credit product policy.
**Allowable Values:**
36 char max |
| card\_products
array of objects
Conditionally returned | One or more card products associated with the credit product policy.
**Allowable Values:**
One or more `card_products` objects |
| card\_products\[].**token**
string
Conditionally returned | Unique identifier of the card product.
**Allowable Values:**
36 char max |
| card\_products\[].**level**
string
Conditionally returned | Level of the card product.
**Allowable Values:**
`PREMIUM`, `TRADITIONAL` |
| card\_products\[].**network**
string
Conditionally returned | Name of the card network.
**Allowable Values:**
`VISA`, `MASTERCARD`, `SANDBOX` |
| name
string
Conditionally returned | Name of the credit product policy.
**Allowable Values:**
1 char min |
| description
string
Conditionally returned | Description of the credit product policy.
**Allowable Values:**
255 char max |
| classification
string
Conditionally returned | Specifies for whom the credit product is intended.
- `CONSUMER` - The credit product is intended for individual consumers.
- `SMALL_AND_MEDIUM_BUSINESS` - The credit product is intended for small and medium business.
**Allowable Values:**
`CONSUMER`, `SMALL_AND_MEDIUM_BUSINESS` |
| product\_type
string
Conditionally returned | Type of credit product.
`REVOLVING` - Allows users to continuously borrow and pay debts up to the credit limit.
**Allowable Values:**
`REVOLVING` |
| product\_sub\_type
string
Conditionally returned | Subtype of the credit product type.
- `CREDIT_CARD` - Card that enables the cardholder to make purchases on credit.
- `SECURED_CARD` - Card backed by a user-funded deposit that enables the cardholder to make purchases on credit.
**Allowable Values:**
`CREDIT_CARD`, `SECURED_CARD` |
| currency\_code
string
Conditionally returned | Valid three-digit ISO 4217 currency code.
**Allowable Values:**
`USD` |
| credit\_line
object
Conditionally returned | Contains information on the credit line range.
**Allowable Values:**
Existing `credit_line` object |
| credit\_line.**min**
decimal
Returned | Minimum credit limit.
**Allowable Values:**
0–999999999999.99 |
| credit\_line.**max**
decimal
Returned | Maximum credit limit.
**Allowable Values:**
0–999999999999.99 |
| usage
array of strings
Conditionally returned | One or more usage types for the credit product policy.
**Allowable Values:**
`PURCHASE`
Valid `usage` array |
| interest\_calculation
object
Conditionally returned | Contains the configurations for interest calculation.
**Allowable Values:**
Existing `interest_calculation` object |
| interest\_calculation.**method**
string
Returned | Method of interest calculation.
**Allowable Values:**
`AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS` |
| interest\_calculation.**day\_count**
string
Returned | Day-count convention.
**Allowable Values:**
`ACTUAL` |
| interest\_calculation.**interest\_application**
array of strings
Returned | One or more balance types on which interest is applied.
**Allowable Values:**
`PRINCIPAL`, `FEES`, `INTEREST` |
| interest\_calculation.**minimum\_interest**
decimal
Returned | When interest is applied, this value determines the minimum amount of interest that can be charged.
**Allowable Values:**
0–999999999999.99 |
| interest\_calculation.**interest\_on\_grace\_reactivation**
string
Returned | Determines whether to charge or waive interest for the billing period when the balance is paid off.
**Allowable Values:**
`ACCRUE_FULL_CYCLE`, `ACCRUE_PAYMENT_DATE`, `WAIVE` |
| interest\_calculation.**grace\_days\_application**
string
Returned | Determines the last day of grace period based on which interest charges are calculated.
**Allowable Values:**
`NEXT_CYCLE_DATE` |
| interest\_calculation.**exclude\_tran\_types**
array of strings
Conditionally returned | One or more transactions that are excluded from current billing period’s interest charge, but included in next.
**Allowable Values:**
`LATE_PAYMENT_FEE`, `ANNUAL_FEE`, `MONTHLY_FEE`, `CASH_BACK_STATEMENT_CREDIT`, `RETURNED_PAYMENT_FEE`, `FOREIGN_TRANSACTION_FEE` |
| payments
object
Conditionally returned | Contains the configurations for billing cycle day, payment due day, and fees.
**Allowable Values:**
Existing `payments` object |
| payments.**billing\_cycle\_day**
integer
Returned | Day of the month when the billing cycle starts.
**Allowable Values:**
1–28 |
| payments.**due\_day**
integer
Conditionally returned | Day of month the payment for the previous billing cycle is due.
This field is being deprecated and replaced by `payment_due_interval` of a product policy. To retrieve `payment_due_interval`, see Retrieve credit product policy, payments.payment\_due\_interval.
**Allowable Values:**
31 |
| payments.**billing\_cycle\_frequency**
string
Conditionally returned | Frequency at which the account is billed.
**Allowable Values:**
`MONTHLY` |
| payments.**payment\_due\_interval**
integer
Conditionally returned | Specifies the payment due interval that is used to determine the payment due date for a billing cycle. A value of -1 indicates one day prior to the next billing cycle date.
For consumer programs, a minimum gap of 21 days is required between when a statement is delivered and the payment due date.
**Allowable Values:**
-1 min
Positive integers greater than 0; -1 is the default value |
| payments.**billing\_cycle\_day\_strategy**
string
Conditionally returned | Determines if the billing cycle day is manually set or determined dynamically during account creation based on cycling logic.
**Allowable Values:**
`MANUAL` |
| payments.**allocation\_order**
array of strings
Returned | Ordered list of balance types to which payments are allocated, from first to last.
**Allowable Values:**
`INTEREST`, `FEES`, `PRINCIPAL` |
| payments.**min\_payment\_calculation**
object
Returned | Contains information used to calculate the minimum payment amount on a credit product policy.
**Allowable Values:**
Existing `min_payment_calculation` object |
| payments.min\_payment\_calculation.**include\_past\_due\_amount**
boolean
Returned | Whether to include the past due amount when calculating the minimum payment.
**Allowable Values:**
`true`, `false` |
| payments.min\_payment\_calculation.**include\_overlimit\_amount**
boolean
Returned | Whether to include the overlimit amount when calculating the minimum payment.
**Allowable Values:**
`true`, `false` |
| payments.min\_payment\_calculation.**min\_payment\_flat\_amount**
decimal
Conditionally returned | Minimum payment, expressed as a flat amount, due on the payment due day.
**Allowable Values:**
Format: 0.00 |
| payments.min\_payment\_calculation.**min\_payment\_percentage**
object
Conditionally returned | Contains information used to calculate the minimum payment amount when expressed as a percentage.
**Allowable Values:**
Existing `min_payment_percentage` object |
| payments.min\_payment\_calculation.min\_payment\_percentage.**percentage\_of\_balance**
decimal
Returned | Minimum payment, expressed as a percentage of the total statement balance, due on the payment due day.
**Allowable Values:**
0.0001–100 |
| payments.min\_payment\_calculation.min\_payment\_percentage.**include\_interest\_charged**
boolean
Returned | Whether to include the amount of interest charged when calculating the minimum payment.
**Allowable Values:**
`true`, `false` |
| payments.min\_payment\_calculation.min\_payment\_percentage.**include\_all\_fees\_charged**
boolean
Conditionally returned | Whether to include all fees charged when calculating the minimum payment.
**Allowable Values:**
`true`, `false` |
| created\_time
datetime
Conditionally returned | Date and time when the credit product policy was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| updated\_time
datetime
Conditionally returned | Date and time when the credit product policy was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
Sample response body
```json JSON expandable lines wrap theme={null}
{
"token": "my_credit_product_policy_token_1234",
"card_products": [
{
"token": "my_card_product_token1234",
"level": "TRADITIONAL",
"network": "VISA"
}
],
"name": "Gold Credit Product Policy",
"description": "A gold credit product policy",
"classification": "CONSUMER",
"product_type": "REVOLVING",
"product_sub_type": "CREDIT_CARD",
"currency_code": "USD",
"credit_line": {
"min": 50,
"max": 3500
},
"usage": [
"PURCHASE"
],
"interest_calculation": {
"method": "AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS",
"day_count": "ACTUAL",
"interest_application": [
"PRINCIPAL",
"FEES"
],
"minimum_interest": 1,
"interest_on_grace_reactivation": "ACCRUE_PAYMENT_DATE",
"grace_days_application": "NEXT_CYCLE_DATE",
"exclude_tran_types": [
"ANNUAL_FEE",
"LATE_PAYMENT_FEE",
"CASH_BACK_STATEMENT_CREDIT",
"FOREIGN_TRANSACTION_FEE"
]
},
"payments": {
"due_day": 31,
"billing_cycle_day": 1,
"allocation_order": [
"INTEREST",
"FEES",
"PRINCIPAL"
],
"min_payment_calculation": {
"include_past_due_amount": false,
"include_overlimit_amount": true,
"min_payment_flat_amount": 20,
"min_payment_percentage": {
"percentage_of_balance": 1,
"include_interest_charged": false,
"include_fees_charged": [
"LATE_PAYMENT_FEE",
"FOREIGN_TRANSACTION_FEE"
]
}
}
},
"created_time": "2025-04-01T23:41:58.802Z",
"updated_time": "2025-04-05T16:04:48.643Z"
}
```
Update credit product policy
**Action:** `PUT`\
**Endpoint:** `/credit/policies/products/{token}`
Update a specific credit product policy.
URL path parameters
| Fields | Description |
| ------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token
string
Required | Unique identifier of the credit product policy to retrieve.
Send a `GET` request to `/policies/products` to retrieve existing credit product policy tokens.
**Allowable Values:**
Existing credit product policy token |
Request body
| Fields | Description |
| ---------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| card\_products
array of objects
Required | One or more card products associated with the credit product policy.
**Allowable Values:**
One or more `card_products` objects |
| card\_products\[].**token**
string
Required | Unique identifier of the card product.
**Allowable Values:**
36 char max |
| card\_products\[].**level**
string
Required | Level of the card product.
**Allowable Values:**
`PREMIUM`, `TRADITIONAL` |
| name
string
Required | Name of the credit product policy.
**Allowable Values:**
1 char min |
| description
string
Optional | Description of the credit product policy.
**Allowable Values:**
255 char max |
| classification
string
Required | Specifies for whom the credit product is intended.
- `CONSUMER` - The credit product is intended for individual consumers.
- `SMALL_AND_MEDIUM_BUSINESS` - The credit product is intended for small and medium business.
**Allowable Values:**
`CONSUMER`, `SMALL_AND_MEDIUM_BUSINESS` |
| product\_type
string
Required | Type of credit product.
`REVOLVING` - Allows users to continuously borrow and pay debts up to the credit limit.
**Allowable Values:**
`REVOLVING` |
| product\_sub\_type
string
Required | Subtype of the credit product type.
- `CREDIT_CARD` - Card that enables the cardholder to make purchases on credit.
- `SECURED_CARD` - Card backed by a user-funded deposit that enables the cardholder to make purchases on credit.
**Allowable Values:**
`CREDIT_CARD`, `SECURED_CARD` |
| currency\_code
string
Required | Valid three-digit ISO 4217 currency code.
**Allowable Values:**
`USD` |
| credit\_line
object
Required | Contains information on the credit line range.
**Allowable Values:**
Existing `credit_line` object |
| credit\_line.**min**
decimal
Required | Minimum credit limit.
**Allowable Values:**
0–999999999999.99 |
| credit\_line.**max**
decimal
Required | Maximum credit limit.
**Allowable Values:**
0–999999999999.99 |
| usage
array of strings
Required | One or more usage types for the credit product policy.
**Allowable Values:**
`PURCHASE` |
| interest\_calculation
object
Required | Contains the configurations for interest calculation.
**Allowable Values:**
Existing `interest_calculation` object |
| interest\_calculation.**method**
string
Required | Method of interest calculation.
**Allowable Values:**
`AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS` |
| interest\_calculation.**day\_count**
string
Required | Day-count convention.
**Allowable Values:**
`ACTUAL` |
| interest\_calculation.**interest\_application**
array of strings
Required | One or more balance types on which interest is applied.
**Allowable Values:**
`PRINCIPAL`, `FEES`, `INTEREST` |
| interest\_calculation.**minimum\_interest**
decimal
Required | When interest is applied, this value determines the minimum amount of interest that can be charged.
**Allowable Values:**
0–999999999999.99 |
| interest\_calculation.**interest\_on\_grace\_reactivation**
string
Required | Determines whether to charge or waive interest for the billing period when the balance is paid off.
**Allowable Values:**
`ACCRUE_FULL_CYCLE`, `ACCRUE_PAYMENT_DATE`, `WAIVE` |
| interest\_calculation.**grace\_days\_application**
string
Required | Determines the last day of grace period based on which interest charges are calculated.
**Allowable Values:**
`NEXT_CYCLE_DATE` |
| interest\_calculation.**exclude\_tran\_types**
array of strings
Optional | One or more transactions that are excluded from current billing period’s interest charge, but included in next.
**Allowable Values:**
`LATE_PAYMENT_FEE`, `ANNUAL_FEE`, `MONTHLY_FEE`, `CASH_BACK_STATEMENT_CREDIT`, `RETURNED_PAYMENT_FEE`, `FOREIGN_TRANSACTION_FEE` |
| payments
object
Required | Contains the configurations for billing cycle day, payment due day, and fees.
**Allowable Values:**
Existing `payments` object |
| payments.**billing\_cycle\_day**
integer
Required | Day of the month when the billing cycle starts.
**Allowable Values:**
1–28 |
| payments.**due\_day**
integer
Optional | Day of month the payment for the previous billing cycle is due.
This field is being deprecated and replaced by `payment_due_interval` of a product policy. To retrieve `payment_due_interval`, see Retrieve credit product policy, payments.payment\_due\_interval.
**Allowable Values:**
31 |
| payments.**billing\_cycle\_frequency**
string
Optional | Frequency at which the account is billed.
**Allowable Values:**
`MONTHLY` |
| payments.**payment\_due\_interval**
integer
Optional | Specifies the payment due interval that is used to determine the payment due date for a billing cycle. A value of -1 indicates one day prior to the next billing cycle date.
For consumer programs, a minimum gap of 21 days is required between when a statement is delivered and the payment due date.
**Allowable Values:**
-1 min
Positive integers greater than 0; -1 is the default value |
| payments.**billing\_cycle\_day\_strategy**
string
Optional | Determines if the billing cycle day is manually set or determined dynamically during account creation based on cycling logic.
**Allowable Values:**
`MANUAL` |
| payments.**allocation\_order**
array of strings
Required | Ordered list of balance types to which payments are allocated, from first to last.
**Allowable Values:**
`INTEREST`, `FEES`, `PRINCIPAL` |
| payments.**min\_payment\_calculation**
object
Required | Contains information used to calculate the minimum payment amount on a credit product policy.
**Allowable Values:**
Existing `min_payment_calculation` object |
| payments.min\_payment\_calculation.**include\_past\_due\_amount**
boolean
Required | Whether to include the past due amount when calculating the minimum payment.
**Allowable Values:**
`true`, `false` |
| payments.min\_payment\_calculation.**include\_overlimit\_amount**
boolean
Required | Whether to include the overlimit amount when calculating the minimum payment.
**Allowable Values:**
`true`, `false` |
| payments.min\_payment\_calculation.**min\_payment\_flat\_amount**
decimal
Optional | Minimum payment, expressed as a flat amount, due on the payment due day.
**Allowable Values:**
Format: 0.00 |
| payments.min\_payment\_calculation.**min\_payment\_percentage**
object
Optional | Contains information used to calculate the minimum payment amount when expressed as a percentage.
**Allowable Values:**
Existing `min_payment_percentage` object |
| payments.min\_payment\_calculation.min\_payment\_percentage.**percentage\_of\_balance**
decimal
Required | Minimum payment, expressed as a percentage of the total statement balance, due on the payment due day.
**Allowable Values:**
0.0001–100 |
| payments.min\_payment\_calculation.min\_payment\_percentage.**include\_interest\_charged**
boolean
Required | Whether to include the amount of interest charged when calculating the minimum payment.
**Allowable Values:**
`true`, `false` |
| payments.min\_payment\_calculation.min\_payment\_percentage.**include\_all\_fees\_charged**
boolean
Optional | Whether to include all fees charged when calculating the minimum payment.
**Allowable Values:**
`true`, `false` |
Sample request body
```json JSON expandable lines wrap theme={null}
{
"token": "my_credit_product_policy_token_1234",
"card_products": [
{
"token": "my_card_product_token1234",
"level": "TRADITIONAL",
"network": "VISA"
}
],
"name": "Renamed Credit Product Policy",
"description": "Description of the renamed credit product policy",
"classification": "CONSUMER",
"product_type": "REVOLVING",
"product_sub_type": "CREDIT_CARD",
"currency_code": "USD",
"credit_line": {
"min": 50,
"max": 3500
},
"usage": [
"PURCHASE"
],
"interest_calculation": {
"method": "AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS",
"day_count": "ACTUAL",
"interest_application": [
"PRINCIPAL",
"FEES"
],
"minimum_interest": 1,
"interest_on_grace_reactivation": "ACCRUE_PAYMENT_DATE",
"grace_days_application": "NEXT_CYCLE_DATE",
"exclude_tran_types": [
"ANNUAL_FEE",
"LATE_PAYMENT_FEE",
"CASH_BACK_STATEMENT_CREDIT",
"FOREIGN_TRANSACTION_FEE"
]
},
"payments": {
"due_day": 31,
"billing_cycle_day": 1,
"allocation_order": [
"INTEREST",
"FEES",
"PRINCIPAL"
],
"min_payment_calculation": {
"include_past_due_amount": false,
"include_overlimit_amount": true,
"min_payment_flat_amount": 20,
"min_payment_percentage": {
"percentage_of_balance": 1,
"include_interest_charged": false,
"include_fees_charged": [
"LATE_PAYMENT_FEE",
"FOREIGN_TRANSACTION_FEE"
]
}
}
}
}
```
Response body
| Fields | Description |
| ------------------------------------------------------------------------------------------------------------------------------------------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token
string
Conditionally returned | Unique identifier of the credit product policy.
**Allowable Values:**
36 char max |
| card\_products
array of objects
Conditionally returned | One or more card products associated with the credit product policy.
**Allowable Values:**
One or more `card_products` objects |
| card\_products\[].**token**
string
Conditionally returned | Unique identifier of the card product.
**Allowable Values:**
36 char max |
| card\_products\[].**level**
string
Conditionally returned | Level of the card product.
**Allowable Values:**
`PREMIUM`, `TRADITIONAL` |
| card\_products\[].**network**
string
Conditionally returned | Name of the card network.
**Allowable Values:**
`VISA`, `MASTERCARD`, `SANDBOX` |
| name
string
Conditionally returned | Name of the credit product policy.
**Allowable Values:**
1 char min |
| description
string
Conditionally returned | Description of the credit product policy.
**Allowable Values:**
255 char max |
| classification
string
Conditionally returned | Specifies for whom the credit product is intended.
- `CONSUMER` - The credit product is intended for individual consumers.
- `SMALL_AND_MEDIUM_BUSINESS` - The credit product is intended for small and medium business.
**Allowable Values:**
`CONSUMER`, `SMALL_AND_MEDIUM_BUSINESS` |
| product\_type
string
Conditionally returned | Type of credit product.
`REVOLVING` - Allows users to continuously borrow and pay debts up to the credit limit.
**Allowable Values:**
`REVOLVING` |
| product\_sub\_type
string
Conditionally returned | Subtype of the credit product type.
- `CREDIT_CARD` - Card that enables the cardholder to make purchases on credit.
- `SECURED_CARD` - Card backed by a user-funded deposit that enables the cardholder to make purchases on credit.
**Allowable Values:**
`CREDIT_CARD`, `SECURED_CARD` |
| currency\_code
string
Conditionally returned | Valid three-digit ISO 4217 currency code.
**Allowable Values:**
`USD` |
| credit\_line
object
Conditionally returned | Contains information on the credit line range.
**Allowable Values:**
Existing `credit_line` object |
| credit\_line.**min**
decimal
Returned | Minimum credit limit.
**Allowable Values:**
0–999999999999.99 |
| credit\_line.**max**
decimal
Returned | Maximum credit limit.
**Allowable Values:**
0–999999999999.99 |
| usage
array of strings
Conditionally returned | One or more usage types for the credit product policy.
**Allowable Values:**
`PURCHASE`
Valid `usage` array |
| interest\_calculation
object
Conditionally returned | Contains the configurations for interest calculation.
**Allowable Values:**
Existing `interest_calculation` object |
| interest\_calculation.**method**
string
Returned | Method of interest calculation.
**Allowable Values:**
`AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS` |
| interest\_calculation.**day\_count**
string
Returned | Day-count convention.
**Allowable Values:**
`ACTUAL` |
| interest\_calculation.**interest\_application**
array of strings
Returned | One or more balance types on which interest is applied.
**Allowable Values:**
`PRINCIPAL`, `FEES`, `INTEREST` |
| interest\_calculation.**minimum\_interest**
decimal
Returned | When interest is applied, this value determines the minimum amount of interest that can be charged.
**Allowable Values:**
0–999999999999.99 |
| interest\_calculation.**interest\_on\_grace\_reactivation**
string
Returned | Determines whether to charge or waive interest for the billing period when the balance is paid off.
**Allowable Values:**
`ACCRUE_FULL_CYCLE`, `ACCRUE_PAYMENT_DATE`, `WAIVE` |
| interest\_calculation.**grace\_days\_application**
string
Returned | Determines the last day of grace period based on which interest charges are calculated.
**Allowable Values:**
`NEXT_CYCLE_DATE` |
| interest\_calculation.**exclude\_tran\_types**
array of strings
Conditionally returned | One or more transactions that are excluded from current billing period’s interest charge, but included in next.
**Allowable Values:**
`LATE_PAYMENT_FEE`, `ANNUAL_FEE`, `MONTHLY_FEE`, `CASH_BACK_STATEMENT_CREDIT`, `RETURNED_PAYMENT_FEE`, `FOREIGN_TRANSACTION_FEE` |
| payments
object
Conditionally returned | Contains the configurations for billing cycle day, payment due day, and fees.
**Allowable Values:**
Existing `payments` object |
| payments.**billing\_cycle\_day**
integer
Returned | Day of the month when the billing cycle starts.
**Allowable Values:**
1–28 |
| payments.**due\_day**
integer
Conditionally returned | Day of month the payment for the previous billing cycle is due.
This field is being deprecated and replaced by `payment_due_interval` of a product policy. To retrieve `payment_due_interval`, see Retrieve credit product policy, payments.payment\_due\_interval.
**Allowable Values:**
31 |
| payments.**billing\_cycle\_frequency**
string
Conditionally returned | Frequency at which the account is billed.
**Allowable Values:**
`MONTHLY` |
| payments.**payment\_due\_interval**
integer
Conditionally returned | Specifies the payment due interval that is used to determine the payment due date for a billing cycle. A value of -1 indicates one day prior to the next billing cycle date.
For consumer programs, a minimum gap of 21 days is required between when a statement is delivered and the payment due date.
**Allowable Values:**
-1 min
Positive integers greater than 0; -1 is the default value |
| payments.**billing\_cycle\_day\_strategy**
string
Conditionally returned | Determines if the billing cycle day is manually set or determined dynamically during account creation based on cycling logic.
**Allowable Values:**
`MANUAL` |
| payments.**allocation\_order**
array of strings
Returned | Ordered list of balance types to which payments are allocated, from first to last.
**Allowable Values:**
`INTEREST`, `FEES`, `PRINCIPAL` |
| payments.**min\_payment\_calculation**
object
Returned | Contains information used to calculate the minimum payment amount on a credit product policy.
**Allowable Values:**
Existing `min_payment_calculation` object |
| payments.min\_payment\_calculation.**include\_past\_due\_amount**
boolean
Returned | Whether to include the past due amount when calculating the minimum payment.
**Allowable Values:**
`true`, `false` |
| payments.min\_payment\_calculation.**include\_overlimit\_amount**
boolean
Returned | Whether to include the overlimit amount when calculating the minimum payment.
**Allowable Values:**
`true`, `false` |
| payments.min\_payment\_calculation.**min\_payment\_flat\_amount**
decimal
Conditionally returned | Minimum payment, expressed as a flat amount, due on the payment due day.
**Allowable Values:**
Format: 0.00 |
| payments.min\_payment\_calculation.**min\_payment\_percentage**
object
Conditionally returned | Contains information used to calculate the minimum payment amount when expressed as a percentage.
**Allowable Values:**
Existing `min_payment_percentage` object |
| payments.min\_payment\_calculation.min\_payment\_percentage.**percentage\_of\_balance**
decimal
Returned | Minimum payment, expressed as a percentage of the total statement balance, due on the payment due day.
**Allowable Values:**
0.0001–100 |
| payments.min\_payment\_calculation.min\_payment\_percentage.**include\_interest\_charged**
boolean
Returned | Whether to include the amount of interest charged when calculating the minimum payment.
**Allowable Values:**
`true`, `false` |
| payments.min\_payment\_calculation.min\_payment\_percentage.**include\_all\_fees\_charged**
boolean
Conditionally returned | Whether to include all fees charged when calculating the minimum payment.
**Allowable Values:**
`true`, `false` |
| created\_time
datetime
Conditionally returned | Date and time when the credit product policy was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| updated\_time
datetime
Conditionally returned | Date and time when the credit product policy was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
Sample response body
```json JSON expandable lines wrap theme={null}
{
"token": "my_credit_product_policy_token_1234",
"card_products": [
{
"token": "my_card_product_token1234",
"level": "TRADITIONAL",
"network": "VISA"
}
],
"name": "Renamed Credit Product Policy",
"description": "Description of the renamed credit product policy",
"classification": "CONSUMER",
"product_type": "REVOLVING",
"product_sub_type": "CREDIT_CARD",
"currency_code": "USD",
"credit_line": {
"min": 50,
"max": 3500
},
"usage": [
"PURCHASE"
],
"interest_calculation": {
"method": "AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS",
"day_count": "ACTUAL",
"interest_application": [
"PRINCIPAL",
"FEES"
],
"minimum_interest": 1,
"interest_on_grace_reactivation": "ACCRUE_PAYMENT_DATE",
"grace_days_application": "NEXT_CYCLE_DATE",
"exclude_tran_types": [
"ANNUAL_FEE",
"LATE_PAYMENT_FEE",
"CASH_BACK_STATEMENT_CREDIT",
"FOREIGN_TRANSACTION_FEE"
]
},
"payments": {
"due_day": 31,
"billing_cycle_day": 1,
"allocation_order": [
"INTEREST",
"FEES",
"PRINCIPAL"
],
"min_payment_calculation": {
"include_past_due_amount": false,
"include_overlimit_amount": true,
"min_payment_flat_amount": 20,
"min_payment_percentage": {
"percentage_of_balance": 1,
"include_interest_charged": false,
"include_fees_charged": [
"LATE_PAYMENT_FEE",
"FOREIGN_TRANSACTION_FEE"
]
}
}
},
"created_time": "2025-04-01T23:41:58.802Z",
"updated_time": "2025-04-05T16:04:48.643Z"
}
```
Clone credit product policy
**Action:** `POST`\
**Endpoint:** `/credit/policies/products/{token}/clone`
Create a new credit product policy based on an existing credit product policy.
URL path parameters
| Fields | Description |
| ------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token
string
Required | Unique identifier of the credit product policy to clone.
Send a `GET` request to `/policies/products` to retrieve existing credit product policy tokens.
**Allowable Values:**
Existing credit product policy token |
Response body
| Fields | Description |
| ------------------------------------------------------------------------------------------------------------------------------------------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token
string
Conditionally returned | Unique identifier of the credit product policy.
**Allowable Values:**
36 char max |
| card\_products
array of objects
Conditionally returned | One or more card products associated with the credit product policy.
**Allowable Values:**
One or more `card_products` objects |
| card\_products\[].**token**
string
Conditionally returned | Unique identifier of the card product.
**Allowable Values:**
36 char max |
| card\_products\[].**level**
string
Conditionally returned | Level of the card product.
**Allowable Values:**
`PREMIUM`, `TRADITIONAL` |
| card\_products\[].**network**
string
Conditionally returned | Name of the card network.
**Allowable Values:**
`VISA`, `MASTERCARD`, `SANDBOX` |
| name
string
Conditionally returned | Name of the credit product policy.
**Allowable Values:**
1 char min |
| description
string
Conditionally returned | Description of the credit product policy.
**Allowable Values:**
255 char max |
| classification
string
Conditionally returned | Specifies for whom the credit product is intended.
- `CONSUMER` - The credit product is intended for individual consumers.
- `SMALL_AND_MEDIUM_BUSINESS` - The credit product is intended for small and medium business.
**Allowable Values:**
`CONSUMER`, `SMALL_AND_MEDIUM_BUSINESS` |
| product\_type
string
Conditionally returned | Type of credit product.
`REVOLVING` - Allows users to continuously borrow and pay debts up to the credit limit.
**Allowable Values:**
`REVOLVING` |
| product\_sub\_type
string
Conditionally returned | Subtype of the credit product type.
- `CREDIT_CARD` - Card that enables the cardholder to make purchases on credit.
- `SECURED_CARD` - Card backed by a user-funded deposit that enables the cardholder to make purchases on credit.
**Allowable Values:**
`CREDIT_CARD`, `SECURED_CARD` |
| currency\_code
string
Conditionally returned | Valid three-digit ISO 4217 currency code.
**Allowable Values:**
`USD` |
| credit\_line
object
Conditionally returned | Contains information on the credit line range.
**Allowable Values:**
Existing `credit_line` object |
| credit\_line.**min**
decimal
Returned | Minimum credit limit.
**Allowable Values:**
0–999999999999.99 |
| credit\_line.**max**
decimal
Returned | Maximum credit limit.
**Allowable Values:**
0–999999999999.99 |
| usage
array of strings
Conditionally returned | One or more usage types for the credit product policy.
**Allowable Values:**
`PURCHASE`
Valid `usage` array |
| interest\_calculation
object
Conditionally returned | Contains the configurations for interest calculation.
**Allowable Values:**
Existing `interest_calculation` object |
| interest\_calculation.**method**
string
Returned | Method of interest calculation.
**Allowable Values:**
`AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS` |
| interest\_calculation.**day\_count**
string
Returned | Day-count convention.
**Allowable Values:**
`ACTUAL` |
| interest\_calculation.**interest\_application**
array of strings
Returned | One or more balance types on which interest is applied.
**Allowable Values:**
`PRINCIPAL`, `FEES`, `INTEREST` |
| interest\_calculation.**minimum\_interest**
decimal
Returned | When interest is applied, this value determines the minimum amount of interest that can be charged.
**Allowable Values:**
0–999999999999.99 |
| interest\_calculation.**interest\_on\_grace\_reactivation**
string
Returned | Determines whether to charge or waive interest for the billing period when the balance is paid off.
**Allowable Values:**
`ACCRUE_FULL_CYCLE`, `ACCRUE_PAYMENT_DATE`, `WAIVE` |
| interest\_calculation.**grace\_days\_application**
string
Returned | Determines the last day of grace period based on which interest charges are calculated.
**Allowable Values:**
`NEXT_CYCLE_DATE` |
| interest\_calculation.**exclude\_tran\_types**
array of strings
Conditionally returned | One or more transactions that are excluded from current billing period’s interest charge, but included in next.
**Allowable Values:**
`LATE_PAYMENT_FEE`, `ANNUAL_FEE`, `MONTHLY_FEE`, `CASH_BACK_STATEMENT_CREDIT`, `RETURNED_PAYMENT_FEE`, `FOREIGN_TRANSACTION_FEE` |
| payments
object
Conditionally returned | Contains the configurations for billing cycle day, payment due day, and fees.
**Allowable Values:**
Existing `payments` object |
| payments.**billing\_cycle\_day**
integer
Returned | Day of the month when the billing cycle starts.
**Allowable Values:**
1–28 |
| payments.**due\_day**
integer
Conditionally returned | Day of month the payment for the previous billing cycle is due.
This field is being deprecated and replaced by `payment_due_interval` of a product policy. To retrieve `payment_due_interval`, see Retrieve credit product policy, payments.payment\_due\_interval.
**Allowable Values:**
31 |
| payments.**billing\_cycle\_frequency**
string
Conditionally returned | Frequency at which the account is billed.
**Allowable Values:**
`MONTHLY` |
| payments.**payment\_due\_interval**
integer
Conditionally returned | Specifies the payment due interval that is used to determine the payment due date for a billing cycle. A value of -1 indicates one day prior to the next billing cycle date.
For consumer programs, a minimum gap of 21 days is required between when a statement is delivered and the payment due date.
**Allowable Values:**
-1 min
Positive integers greater than 0; -1 is the default value |
| payments.**billing\_cycle\_day\_strategy**
string
Conditionally returned | Determines if the billing cycle day is manually set or determined dynamically during account creation based on cycling logic.
**Allowable Values:**
`MANUAL` |
| payments.**allocation\_order**
array of strings
Returned | Ordered list of balance types to which payments are allocated, from first to last.
**Allowable Values:**
`INTEREST`, `FEES`, `PRINCIPAL` |
| payments.**min\_payment\_calculation**
object
Returned | Contains information used to calculate the minimum payment amount on a credit product policy.
**Allowable Values:**
Existing `min_payment_calculation` object |
| payments.min\_payment\_calculation.**include\_past\_due\_amount**
boolean
Returned | Whether to include the past due amount when calculating the minimum payment.
**Allowable Values:**
`true`, `false` |
| payments.min\_payment\_calculation.**include\_overlimit\_amount**
boolean
Returned | Whether to include the overlimit amount when calculating the minimum payment.
**Allowable Values:**
`true`, `false` |
| payments.min\_payment\_calculation.**min\_payment\_flat\_amount**
decimal
Conditionally returned | Minimum payment, expressed as a flat amount, due on the payment due day.
**Allowable Values:**
Format: 0.00 |
| payments.min\_payment\_calculation.**min\_payment\_percentage**
object
Conditionally returned | Contains information used to calculate the minimum payment amount when expressed as a percentage.
**Allowable Values:**
Existing `min_payment_percentage` object |
| payments.min\_payment\_calculation.min\_payment\_percentage.**percentage\_of\_balance**
decimal
Returned | Minimum payment, expressed as a percentage of the total statement balance, due on the payment due day.
**Allowable Values:**
0.0001–100 |
| payments.min\_payment\_calculation.min\_payment\_percentage.**include\_interest\_charged**
boolean
Returned | Whether to include the amount of interest charged when calculating the minimum payment.
**Allowable Values:**
`true`, `false` |
| payments.min\_payment\_calculation.min\_payment\_percentage.**include\_all\_fees\_charged**
boolean
Conditionally returned | Whether to include all fees charged when calculating the minimum payment.
**Allowable Values:**
`true`, `false` |
| created\_time
datetime
Conditionally returned | Date and time when the credit product policy was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| updated\_time
datetime
Conditionally returned | Date and time when the credit product policy was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
Sample response body
```json JSON expandable lines wrap theme={null}
{
"token": "my_credit_product_policy_token_1234",
"card_products": [
{
"token": "my_card_product_token1234",
"level": "TRADITIONAL",
"network": "VISA"
}
],
"name": "Gold Credit Product Policy",
"description": "A gold credit product policy",
"classification": "CONSUMER",
"product_type": "REVOLVING",
"product_sub_type": "CREDIT_CARD",
"currency_code": "USD",
"credit_line": {
"min": 50,
"max": 3500
},
"usage": [
"PURCHASE"
],
"interest_calculation": {
"method": "AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS",
"day_count": "ACTUAL",
"interest_application": [
"PRINCIPAL",
"FEES"
],
"minimum_interest": 1,
"interest_on_grace_reactivation": "ACCRUE_PAYMENT_DATE",
"grace_days_application": "NEXT_CYCLE_DATE",
"exclude_tran_types": [
"ANNUAL_FEE",
"LATE_PAYMENT_FEE",
"CASH_BACK_STATEMENT_CREDIT",
"FOREIGN_TRANSACTION_FEE"
]
},
"payments": {
"due_day": 31,
"billing_cycle_day": 1,
"allocation_order": [
"INTEREST",
"FEES",
"PRINCIPAL"
],
"min_payment_calculation": {
"include_past_due_amount": false,
"include_overlimit_amount": true,
"min_payment_flat_amount": 20,
"min_payment_percentage": {
"percentage_of_balance": 1,
"include_interest_charged": false,
"include_fees_charged": [
"LATE_PAYMENT_FEE",
"FOREIGN_TRANSACTION_FEE"
]
}
}
},
"created_time": "2025-04-01T23:41:58.802Z",
"updated_time": "2025-04-05T16:04:48.643Z"
}
```
Create fee policy
**Action:** `POST`\
**Endpoint:** `/credit/policies/fees`
Create a new fee policy.
Request body
| Fields | Description |
| --------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------ |
| token
string
Optional | Unique identifier of the fee policy.
**Allowable Values:**
36 char max |
| name
string
Required | Name of the fee policy.
**Allowable Values:**
255 char max |
| description
string
Optional | Description of the fee policy.
**Allowable Values:**
255 char max |
| account
object
Required | Contains information on the fees in an account’s fee policy.
**Allowable Values:**
Existing `account` object |
| account.**late\_payment**
object
Optional | Contains information on the late payment fee.
**Allowable Values:**
Existing `late_payment` object |
| account.**returned\_payment**
object
Optional | Contains information on the returned payment fee.
**Allowable Values:**
Existing `returned_payment` object |
| account.**foreign\_transaction\_fee**
object
Optional | Contains information on the foreign transaction fee.
**Allowable Values:**
Existing `foreign_transaction_fee` object |
| account.**monthly\_fee**
object
Optional | Contains information on the monthly periodic fees.
**Allowable Values:**
Existing `periodic_fees` object |
| account.**annual\_fee**
object
Optional | Contains information on the annual periodic fees.
**Allowable Values:**
Existing `periodic_fees` object |
Sample request body
```json JSON lines wrap theme={null}
{
"token": "my_fee_policy_token_1234",
"name": "Gold Fee Policy",
"description": "A gold fee policy",
"account": {
"late_payment": {
"default_method": "FLAT",
"default_value": 10
},
"returned_payment": {
"default_method": "FLAT",
"default_value": 10
},
"foreign_transaction_fee": {
"default_method": "PERCENTAGE",
"default_value": 12.5
}
}
}
```
Response body
| Fields | Description |
| ----------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token
string
Conditionally returned | Unique identifier of the fee policy.
**Allowable Values:**
36 char max |
| name
string
Conditionally returned | Name of the fee policy.
**Allowable Values:**
255 char max |
| description
string
Conditionally returned | Description of the fee policy.
**Allowable Values:**
255 char max |
| account
object
Conditionally returned | Contains information on the fees in an account’s fee policy.
**Allowable Values:**
Existing `account` object |
| account.**late\_payment**
object
Conditionally returned | Contains information on the late payment fee.
**Allowable Values:**
Existing `late_payment` object |
| account.**returned\_payment**
object
Conditionally returned | Contains information on the returned payment fee.
**Allowable Values:**
Existing `returned_payment` object |
| account.**foreign\_transaction\_fee**
object
Conditionally returned | Contains information on the foreign transaction fee.
**Allowable Values:**
Existing `foreign_transaction_fee` object |
| account.**monthly\_fee**
object
Conditionally returned | Contains information on the monthly periodic fees.
**Allowable Values:**
Existing `periodic_fees` object |
| account.**annual\_fee**
object
Conditionally returned | Contains information on the annual periodic fees.
**Allowable Values:**
Existing `periodic_fees` object |
| created\_time
datetime
Conditionally returned | Date and time when the fee policy was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| updated\_time
datetime
Conditionally returned | Date and time when the fee policy was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
Sample response body
```json JSON expandable lines wrap theme={null}
{
"token": "my_fee_policy_token_1234",
"name": "Gold Fee Policy",
"description": "A gold fee policy",
"account": {
"late_payment": {
"default_method": "FLAT",
"default_value": 10
},
"returned_payment": {
"default_method": "FLAT",
"default_value": 10
},
"foreign_transaction_fee": {
"default_method": "PERCENTAGE",
"default_value": 12.5
}
},
"created_time": "2025-04-01T23:41:58.802Z",
"updated_time": "2025-04-05T16:04:48.643Z"
}
```
List fee policies
**Action:** `GET`\
**Endpoint:** `/credit/policies/fees`
Retrieve an array of existing fee policies.
This endpoint supports [sorting and pagination](/core-api/sorting-and-pagination/).
URL query parameters
| Fields | Description |
| --------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| count
integer
Optional | Number of fee policy resources to retrieve.
**Allowable Values:**
1–100 |
| start\_index
integer
Optional | Sort order index of the first resource in the returned array.
**Allowable Values:**
0 min |
| sort\_by
string
Optional | Field on which to sort. Prefix the field name with a hyphen (`-`) to sort in descending order. Omit the hyphen to sort in ascending order.
**NOTE:** You must sort using system field names such as `lastModifiedTime`, and not by the field names appearing in response bodies such as `last_modified_time`.
**Allowable Values:**
`lastModifiedTime`, `-lastModifiedTime` |
Response body
| Fields | Description |
| ------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| count
integer
Returned | Number of resources returned.
**Allowable Values:**
1-10 |
| start\_index
integer
Returned | Sort order index of the first resource in the returned array.
**Allowable Values:**
Any integer |
| end\_index
integer
Returned | Sort order index of the last resource in the returned array.
**Allowable Values:**
Any integer |
| is\_more
boolean
Returned | A value of `true` indicates that more unreturned resources exist.
**Allowable Values:**
`true`, `false` |
| data
array of objects
Returned | One or more fee policies.
**Allowable Values:**
One or more fee policy objects |
| data\[].**token**
string
Conditionally returned | Unique identifier of the fee policy.
**Allowable Values:**
36 char max |
| data\[].**name**
string
Conditionally returned | Name of the fee policy.
**Allowable Values:**
255 char max |
| data\[].**description**
string
Conditionally returned | Description of the fee policy.
**Allowable Values:**
255 char max |
| data\[].**account**
object
Conditionally returned | Contains information on the fees in an account’s fee policy.
**Allowable Values:**
Existing `account` object |
| data\[].account.**late\_payment**
object
Conditionally returned | Contains information on the late payment fee.
**Allowable Values:**
Existing `late_payment` object |
| data\[].account.**returned\_payment**
object
Conditionally returned | Contains information on the returned payment fee.
**Allowable Values:**
Existing `returned_payment` object |
| data\[].account.**foreign\_transaction\_fee**
object
Conditionally returned | Contains information on the foreign transaction fee.
**Allowable Values:**
Existing `foreign_transaction_fee` object |
| data\[].account.**monthly\_fee**
object
Conditionally returned | Contains information on the monthly periodic fees.
**Allowable Values:**
Existing `periodic_fees` object |
| data\[].account.**annual\_fee**
object
Conditionally returned | Contains information on the annual periodic fees.
**Allowable Values:**
Existing `periodic_fees` object |
| data\[].**created\_time**
datetime
Conditionally returned | Date and time when the fee policy was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| data\[].**updated\_time**
datetime
Conditionally returned | Date and time when the fee policy was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
Sample response body
```json JSON expandable lines wrap theme={null}
{
"count": 2,
"start_index": 0,
"end_index": 2,
"is_more": true,
"data": [
{
"token": "my_fee_policy_token_1234",
"name": "Gold Fee Policy",
"description": "A gold fee policy",
"account": {
"late_payment": {
"default_method": "FLAT",
"default_value": 10
},
"returned_payment": {
"default_method": "FLAT",
"default_value": 10
},
"foreign_transaction_fee": {
"default_method": "PERCENTAGE",
"default_value": 12.5
}
},
"created_time": "2025-04-01T23:41:58.802Z",
"updated_time": "2025-04-05T16:04:48.643Z"
},
{
"token": "my_fee_policy_token_4321",
"name": "Silver Fee Policy",
"description": "A silver fee policy",
"account": {
"late_payment": {
"default_method": "FLAT",
"default_value": 10
},
"returned_payment": {
"default_method": "FLAT",
"default_value": 10
},
"foreign_transaction_fee": {
"default_method": "PERCENTAGE",
"default_value": 12.5
}
},
"created_time": "2025-04-01T23:41:58.802Z",
"updated_time": "2025-04-05T16:04:48.643Z"
}
]
}
```
Retrieve fee policy
**Action:** `GET`\
**Endpoint:** `/credit/policies/fees/{token}`
Retrieve a specific fee policy.
This endpoint supports [sorting and pagination](/core-api/sorting-and-pagination/).
URL path parameters
| Fields | Description |
| ------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token
string
Required | Unique identifier of the fee policy to retrieve.
Send a `GET` request to `/policies/fee` to retrieve existing fee policy tokens.
**Allowable Values:**
Existing fee policy token |
Response body
| Fields | Description |
| ----------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token
string
Conditionally returned | Unique identifier of the fee policy.
**Allowable Values:**
36 char max |
| name
string
Conditionally returned | Name of the fee policy.
**Allowable Values:**
255 char max |
| description
string
Conditionally returned | Description of the fee policy.
**Allowable Values:**
255 char max |
| account
object
Conditionally returned | Contains information on the fees in an account’s fee policy.
**Allowable Values:**
Existing `account` object |
| account.**late\_payment**
object
Conditionally returned | Contains information on the late payment fee.
**Allowable Values:**
Existing `late_payment` object |
| account.**returned\_payment**
object
Conditionally returned | Contains information on the returned payment fee.
**Allowable Values:**
Existing `returned_payment` object |
| account.**foreign\_transaction\_fee**
object
Conditionally returned | Contains information on the foreign transaction fee.
**Allowable Values:**
Existing `foreign_transaction_fee` object |
| account.**monthly\_fee**
object
Conditionally returned | Contains information on the monthly periodic fees.
**Allowable Values:**
Existing `periodic_fees` object |
| account.**annual\_fee**
object
Conditionally returned | Contains information on the annual periodic fees.
**Allowable Values:**
Existing `periodic_fees` object |
| created\_time
datetime
Conditionally returned | Date and time when the fee policy was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| updated\_time
datetime
Conditionally returned | Date and time when the fee policy was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
Sample response body
```json JSON expandable lines wrap theme={null}
{
"token": "my_fee_policy_token_1234",
"name": "Gold Fee Policy",
"description": "A gold fee policy",
"account": {
"late_payment": {
"default_method": "FLAT",
"default_value": 10
},
"returned_payment": {
"default_method": "FLAT",
"default_value": 10
},
"foreign_transaction_fee": {
"default_method": "PERCENTAGE",
"default_value": 3
}
},
"created_time": "2025-04-01T23:41:58.802Z",
"updated_time": "2025-04-05T16:04:48.643Z"
}
```
Update fee policy
**Action:** `PUT`\
**Endpoint:** `/credit/policies/fees/{token}`
Update a specific fee policy.
URL path parameters
| Fields | Description |
| ------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token
string
Required | Unique identifier of the fee policy to retrieve.
Send a `GET` request to `/policies/fee` to retrieve existing fee policy tokens.
**Allowable Values:**
Existing fee policy token |
Request body
| Fields | Description |
| -------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| name
string
Required | Name of the fee policy.
**Allowable Values:**
255 char max |
| description
string
Optional | Description of the fee policy.
**Allowable Values:**
255 char max |
| account
object
Optional | Contains information on the fees in an account’s fee policy.
**Allowable Values:**
Existing `account` object |
| account.**late\_payment**
object
Optional | Contains information on the late payment fee.
**Allowable Values:**
Existing `late_payment` object |
| account.**returned\_payment**
object
Optional | Contains information on the returned payment fee.
**Allowable Values:**
Existing `returned_payment` object |
| account.**foreign\_transaction\_fee**
object
Optional | Contains information on the foreign transaction fee.
**Allowable Values:**
Existing `foreign_transaction_fee` object |
| account.**monthly\_fee**
object
Optional | Contains information on the monthly periodic fees.
**Allowable Values:**
Existing `periodic_fees` object |
| account.**annual\_fee**
object
Optional | Contains information on the annual periodic fees.
**Allowable Values:**
Existing `periodic_fees` object |
| periodic
object
Optional | Contains information on a specific periodic fee in a fee policy.
**Allowable Values:**
Existing `periodic` object |
| periodic.**fee\_amount**
decimal
Optional | Amount of the fee.
**Allowable Values:**
1–5000 |
| periodic.**number\_of\_days\_post\_activation**
decimal
Optional | Number of days after an account is activated that the initial fee is charged. For example, if the value in this field is `30`, then the initial fee is charged 30 days after an account is activated.
**Allowable Values:**
1–1000 |
| periodic.**exclude\_from\_interest\_calc**
boolean
Optional | Whether the periodic fee is excluded from interest calculation.
**Allowable Values:**
`true`, `false` |
Sample request body
```json JSON lines wrap theme={null}
{
"token": "my_fee_policy_token_1234",
"name": "My Changed Fee Policy",
"description": "Description for changed fee policy",
"account": {
"late_payment": {
"default_method": "FLAT",
"default_value": 5
},
"returned_payment": {
"default_method": "FLAT",
"default_value": 5
},
"foreign_transaction_fee": {
"default_method": "PERCENTAGE",
"default_value": 3
}
}
}
```
Response body
| Fields | Description |
| ----------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token
string
Conditionally returned | Unique identifier of the fee policy.
**Allowable Values:**
36 char max |
| name
string
Conditionally returned | Name of the fee policy.
**Allowable Values:**
255 char max |
| description
string
Conditionally returned | Description of the fee policy.
**Allowable Values:**
255 char max |
| account
object
Conditionally returned | Contains information on the fees in an account’s fee policy.
**Allowable Values:**
Existing `account` object |
| account.**late\_payment**
object
Conditionally returned | Contains information on the late payment fee.
**Allowable Values:**
Existing `late_payment` object |
| account.**returned\_payment**
object
Conditionally returned | Contains information on the returned payment fee.
**Allowable Values:**
Existing `returned_payment` object |
| account.**foreign\_transaction\_fee**
object
Conditionally returned | Contains information on the foreign transaction fee.
**Allowable Values:**
Existing `foreign_transaction_fee` object |
| account.**monthly\_fee**
object
Conditionally returned | Contains information on the monthly periodic fees.
**Allowable Values:**
Existing `periodic_fees` object |
| account.**annual\_fee**
object
Conditionally returned | Contains information on the annual periodic fees.
**Allowable Values:**
Existing `periodic_fees` object |
| created\_time
datetime
Conditionally returned | Date and time when the fee policy was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| updated\_time
datetime
Conditionally returned | Date and time when the fee policy was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
Sample response body
```json JSON expandable lines wrap theme={null}
{
"token": "my_fee_policy_token_1234",
"name": "My Changed Fee Policy",
"description": "Description for changed fee policy",
"account": {
"late_payment": {
"default_method": "FLAT",
"default_value": 5
},
"returned_payment": {
"default_method": "FLAT",
"default_value": 5
},
"foreign_transaction_fee": {
"default_method": "PERCENTAGE",
"default_value": 3
}
},
"created_time": "2025-04-01T23:41:58.802Z",
"updated_time": "2025-04-05T16:04:48.643Z"
}
```
Clone fee policy
**Action:** `POST`\
**Endpoint:** `/credit/policies/fees/{token}/clone`
Create a new fee policy based on an existing fee policy.
URL path parameters
| Fields | Description |
| ------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token
string
Required | Unique identifier of the fee policy to clone.
Send a `GET` request to `/policies/fee` to retrieve existing fee policy tokens.
**Allowable Values:**
Existing fee policy token |
Response body
| Fields | Description |
| ----------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token
string
Conditionally returned | Unique identifier of the fee policy.
**Allowable Values:**
36 char max |
| name
string
Conditionally returned | Name of the fee policy.
**Allowable Values:**
255 char max |
| description
string
Conditionally returned | Description of the fee policy.
**Allowable Values:**
255 char max |
| account
object
Conditionally returned | Contains information on the fees in an account’s fee policy.
**Allowable Values:**
Existing `account` object |
| account.**late\_payment**
object
Conditionally returned | Contains information on the late payment fee.
**Allowable Values:**
Existing `late_payment` object |
| account.**returned\_payment**
object
Conditionally returned | Contains information on the returned payment fee.
**Allowable Values:**
Existing `returned_payment` object |
| account.**foreign\_transaction\_fee**
object
Conditionally returned | Contains information on the foreign transaction fee.
**Allowable Values:**
Existing `foreign_transaction_fee` object |
| account.**monthly\_fee**
object
Conditionally returned | Contains information on the monthly periodic fees.
**Allowable Values:**
Existing `periodic_fees` object |
| account.**annual\_fee**
object
Conditionally returned | Contains information on the annual periodic fees.
**Allowable Values:**
Existing `periodic_fees` object |
| created\_time
datetime
Conditionally returned | Date and time when the fee policy was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| updated\_time
datetime
Conditionally returned | Date and time when the fee policy was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
Sample response body
```json JSON expandable lines wrap theme={null}
{
"token": "my_fee_policy_token_1234",
"name": "Gold Fee Policy",
"description": "A gold fee policy",
"account": {
"late_payment": {
"default_method": "FLAT",
"default_value": 10
},
"returned_payment": {
"default_method": "FLAT",
"default_value": 10
},
"foreign_transaction_fee": {
"default_method": "PERCENTAGE",
"default_value": 3
}
},
"created_time": "2025-04-01T23:41:58.802Z",
"updated_time": "2025-04-05T16:04:48.643Z"
}
```
Create APR policy
**Action:** `POST`\
**Endpoint:** `/credit/policies/aprs`
Create a new annual percentage rate (APR) policy.
Request body
| Fields | Description |
| -------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| token
string
Optional | Unique identifier of the APR policy.
**Allowable Values:**
36 char max |
| name
string
Required | Name of the APR policy.
**Allowable Values:**
255 char max |
| description
string
Optional | Description of the APR policy.
**Allowable Values:**
255 char max |
| purchases
object
Required | Contains information on the pricing strategy for purchases.
**Allowable Values:**
Existing `purchases` object |
| purchases.**name**
string
Optional | Name of the pricing strategy.
**Allowable Values:**
255 char max |
| purchases.**external\_token**
string
Optional | Unique identifier of the external pricing strategy for the credit program.
**Allowable Values:**
Valid external pricing strategy token |
| purchases.**tiers**
array of objects
Required | One or more risk tiers for a pricing strategy.
**Allowable Values:**
One or more `tiers` objects |
| purchases.tiers\[].**margin\_rate**
decimal
Required | Number of percentage points added to the prime rate, used to calculate a variable APR value.
**Allowable Values:**
Format: 0.00 |
Sample request body
```json JSON lines wrap theme={null}
{
"token": "my_apr_policy_token_1234",
"name": "Gold APR Policy",
"description": "A gold APR policy",
"purchases": {
"name": "A purchase at a merchant",
"external_token": "my_external_purchase_token1234",
"tiers": [
{
"margin_rate": 1,
"apr": 0
},
{
"margin_rate": 5,
"apr": 0
}
]
}
}
```
Response body
| Fields | Description |
| ---------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token
string
Conditionally returned | Unique identifier of the APR policy.
**Allowable Values:**
36 char max |
| name
string
Conditionally returned | Name of the APR policy.
**Allowable Values:**
255 char max |
| description
string
Conditionally returned | Description of the APR policy.
**Allowable Values:**
255 char max |
| purchases
object
Conditionally returned | Contains information on the pricing strategy for purchases.
**Allowable Values:**
Existing `purchases` object |
| purchases.**name**
string
Conditionally returned | Name of the pricing strategy.
**Allowable Values:**
255 char max |
| purchases.**external\_token**
string
Conditionally returned | Unique identifier of the pricing strategy on a credit program.
**Allowable Values:**
36 char max |
| purchases.**tiers**
array of objects
Conditionally returned | One or more risk tiers for a pricing strategy.
**Allowable Values:**
One or more `tiers` objects |
| purchases.tiers\[].**margin\_rate**
decimal
Conditionally returned | Margin rate for the risk tier for a pricing strategy.
**Allowable Values:**
Format: 0.00 |
| purchases.tiers\[].**apr**
decimal
Conditionally returned | Value of the APR.
**Allowable Values:**
Format: 0.00 |
| effective\_date
date
Conditionally returned | Date the APR goes into effect, in UTC.
**Allowable Values:**
Format: yyyy-MM-dd |
| created\_time
datetime
Conditionally returned | Date and time when the APR policy was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| updated\_time
datetime
Conditionally returned | Date and time when the APR policy was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
Sample response body
```json JSON expandable lines wrap theme={null}
{
"token": "my_apr_policy_token_1234",
"name": "Gold APR Policy",
"description": "A gold APR policy",
"purchases": {
"name": "A purchase at a merchant",
"external_token": "my_external_purchase_token1234",
"tiers": [
{
"margin_rate": 1,
"apr": 0
},
{
"margin_rate": 5,
"apr": 0
}
]
},
"effective_date": "2025-05-01",
"created_time": "2025-04-01T23:41:58.802Z",
"updated_time": "2025-04-05T16:04:48.643Z"
}
```
List APR policies
**Action:** `GET`\
**Endpoint:** `/credit/policies/aprs`
Retrieve an array of existing APR policies.
This endpoint supports [sorting and pagination](/core-api/sorting-and-pagination/).
URL query parameters
| Fields | Description |
| --------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| count
integer
Optional | Number of APR policy resources to retrieve.
**Allowable Values:**
1–100 |
| start\_index
integer
Optional | Sort order index of the first resource in the returned array.
**Allowable Values:**
0 min |
| sort\_by
string
Optional | Field on which to sort. Prefix the field name with a hyphen (`-`) to sort in descending order. Omit the hyphen to sort in ascending order.
**NOTE:** You must sort using system field names such as `effectiveDate`, and not by the field names appearing in response bodies such as `effective_date`.
**Allowable Values:**
`effectiveDate`, `-effectiveDate` |
Response body
| Fields | Description |
| ------------------------------------------------------------------------------------------------ | ----------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| count
integer
Returned | Number of resources returned.
**Allowable Values:**
1-10 |
| start\_index
integer
Returned | Sort order index of the first resource in the returned array.
**Allowable Values:**
Any integer |
| end\_index
integer
Returned | Sort order index of the last resource in the returned array.
**Allowable Values:**
Any integer |
| is\_more
boolean
Returned | A value of `true` indicates that more unreturned resources exist.
**Allowable Values:**
`true`, `false` |
| data
array of objects
Returned | One or more APR policies.
**Allowable Values:**
One or more APR policy objects |
| data\[].**token**
string
Conditionally returned | Unique identifier of the APR policy.
**Allowable Values:**
36 char max |
| data\[].**name**
string
Conditionally returned | Name of the APR policy.
**Allowable Values:**
255 char max |
| data\[].**description**
string
Conditionally returned | Description of the APR policy.
**Allowable Values:**
255 char max |
| data\[].**purchases**
object
Conditionally returned | Contains information on the pricing strategy for purchases.
**Allowable Values:**
Existing `purchases` object |
| data\[].purchases.**name**
string
Conditionally returned | Name of the pricing strategy.
**Allowable Values:**
255 char max |
| data\[].purchases.**external\_token**
string
Conditionally returned | Unique identifier of the pricing strategy on a credit program.
**Allowable Values:**
36 char max |
| data\[].purchases.**tiers**
array of objects
Conditionally returned | One or more risk tiers for a pricing strategy.
**Allowable Values:**
One or more `tiers` objects |
| data\[].purchases.tiers\[].**margin\_rate**
decimal
Conditionally returned | Margin rate for the risk tier for a pricing strategy.
**Allowable Values:**
Format: 0.00 |
| data\[].purchases.tiers\[].**apr**
decimal
Conditionally returned | Value of the APR.
**Allowable Values:**
Format: 0.00 |
| data\[].**effective\_date**
date
Conditionally returned | Date the APR goes into effect, in UTC.
**Allowable Values:**
Format: yyyy-MM-dd |
| data\[].**created\_time**
datetime
Conditionally returned | Date and time when the APR policy was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| data\[].**updated\_time**
datetime
Conditionally returned | Date and time when the APR policy was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
Sample response body
```json JSON expandable lines wrap theme={null}
{
"count": 2,
"start_index": 0,
"end_index": 2,
"is_more": true,
"data": [
{
"token": "my_apr_policy_token_1234",
"name": "Gold APR Policy",
"description": "A gold APR policy",
"purchases": {
"name": "A purchase at a merchant",
"external_token": "my_external_purchase_token1234",
"tiers": [
{
"margin_rate": 1,
"apr": 0
},
{
"margin_rate": 5,
"apr": 0
}
]
},
"effective_date": "2025-05-01",
"created_time": "2025-04-01T23:41:58.802Z",
"updated_time": "2025-04-05T16:04:48.643Z"
},
{
"token": "my_apr_policy_token_4321",
"name": "Silver APR Policy",
"description": "A silver APR policy",
"purchases": {
"name": "A purchase at a merchant",
"external_token": "my_external_purchase_token4321",
"tiers": [
{
"margin_rate": 3,
"apr": 0
},
{
"margin_rate": 6,
"apr": 0
}
]
},
"effective_date": "2025-06-01",
"created_time": "2025-04-01T23:41:58.802Z",
"updated_time": "2025-04-05T16:04:48.643Z"
}
]
}
```
Retrieve APR policy
**Action:** `GET`\
**Endpoint:** `/credit/policies/aprs/{token}`
Retrieve a specific annual percentage rate (APR) policy.
This endpoint supports [sorting and pagination](/core-api/sorting-and-pagination/).
URL path parameters
| Fields | Description |
| ------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| token
string
Required | Unique identifier of the APR policy to retrieve.
Send a `GET` request to `/policies/aprs` to retrieve existing APR policy tokens.
**Allowable Values:**
Existing APR policy token |
Response body
| Fields | Description |
| ---------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token
string
Conditionally returned | Unique identifier of the APR policy.
**Allowable Values:**
36 char max |
| name
string
Conditionally returned | Name of the APR policy.
**Allowable Values:**
255 char max |
| description
string
Conditionally returned | Description of the APR policy.
**Allowable Values:**
255 char max |
| purchases
object
Conditionally returned | Contains information on the pricing strategy for purchases.
**Allowable Values:**
Existing `purchases` object |
| purchases.**name**
string
Conditionally returned | Name of the pricing strategy.
**Allowable Values:**
255 char max |
| purchases.**external\_token**
string
Conditionally returned | Unique identifier of the pricing strategy on a credit program.
**Allowable Values:**
36 char max |
| purchases.**tiers**
array of objects
Conditionally returned | One or more risk tiers for a pricing strategy.
**Allowable Values:**
One or more `tiers` objects |
| purchases.tiers\[].**margin\_rate**
decimal
Conditionally returned | Margin rate for the risk tier for a pricing strategy.
**Allowable Values:**
Format: 0.00 |
| purchases.tiers\[].**apr**
decimal
Conditionally returned | Value of the APR.
**Allowable Values:**
Format: 0.00 |
| effective\_date
date
Conditionally returned | Date the APR goes into effect, in UTC.
**Allowable Values:**
Format: yyyy-MM-dd |
| created\_time
datetime
Conditionally returned | Date and time when the APR policy was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| updated\_time
datetime
Conditionally returned | Date and time when the APR policy was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
Sample response body
```json JSON expandable lines wrap theme={null}
{
"token": "my_apr_policy_token_1234",
"name": "Gold APR Policy",
"description": "A gold APR policy",
"purchases": {
"name": "A purchase at a merchant",
"external_token": "my_external_purchase_token1234",
"tiers": [
{
"margin_rate": 1,
"apr": 0
},
{
"margin_rate": 5,
"apr": 0
}
]
},
"effective_date": "2025-05-01",
"created_time": "2025-04-01T23:41:58.802Z",
"updated_time": "2025-04-05T16:04:48.643Z"
}
```
Update APR policy
**Action:** `PUT`\
**Endpoint:** `/credit/policies/aprs/{token}`
Update a specific APR policy.
URL path parameters
| Fields | Description |
| ------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token
string
Required | Unique identifier of the APR policy to update.
Send a `GET` request to `/policies/aprs` to retrieve existing APR policy tokens.
**Allowable Values:**
Existing APR policy token |
Request body
| Fields | Description |
| -------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| token
string
Optional | Unique identifier of the APR policy.
**Allowable Values:**
36 char max |
| name
string
Required | Name of the APR policy.
**Allowable Values:**
255 char max |
| description
string
Optional | Description of the APR policy.
**Allowable Values:**
255 char max |
| purchases
object
Optional | Contains information on the pricing strategy for purchases.
**Allowable Values:**
Existing `purchases` object |
| purchases.**name**
string
Optional | Name of the pricing strategy.
**Allowable Values:**
255 char max |
| purchases.**external\_token**
string
Optional | Unique identifier of the external pricing strategy for the credit program.
**Allowable Values:**
Valid external pricing strategy token |
| purchases.**tiers**
array of objects
Required | One or more risk tiers for a pricing strategy.
**Allowable Values:**
One or more `tiers` objects |
| purchases.tiers\[].**margin\_rate**
decimal
Required | Number of percentage points added to the prime rate, used to calculate a variable APR value.
**Allowable Values:**
Format: 0.00 |
Sample request body
```json JSON lines wrap theme={null}
{
"token": "my_apr_policy_token_1234",
"name": "Renamed APR Policy",
"description": "Description of the renamed APR Policy",
"purchases": {
"name": "A purchase at a merchant",
"external_token": "my_external_purchase_token1234",
"tiers": [
{
"margin_rate": 1,
"apr": 0
},
{
"margin_rate": 5,
"apr": 0
}
]
}
}
```
Response body
| Fields | Description |
| ---------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token
string
Conditionally returned | Unique identifier of the APR policy.
**Allowable Values:**
36 char max |
| name
string
Conditionally returned | Name of the APR policy.
**Allowable Values:**
255 char max |
| description
string
Conditionally returned | Description of the APR policy.
**Allowable Values:**
255 char max |
| purchases
object
Conditionally returned | Contains information on the pricing strategy for purchases.
**Allowable Values:**
Existing `purchases` object |
| purchases.**name**
string
Conditionally returned | Name of the pricing strategy.
**Allowable Values:**
255 char max |
| purchases.**external\_token**
string
Conditionally returned | Unique identifier of the pricing strategy on a credit program.
**Allowable Values:**
36 char max |
| purchases.**tiers**
array of objects
Conditionally returned | One or more risk tiers for a pricing strategy.
**Allowable Values:**
One or more `tiers` objects |
| purchases.tiers\[].**margin\_rate**
decimal
Conditionally returned | Margin rate for the risk tier for a pricing strategy.
**Allowable Values:**
Format: 0.00 |
| purchases.tiers\[].**apr**
decimal
Conditionally returned | Value of the APR.
**Allowable Values:**
Format: 0.00 |
| effective\_date
date
Conditionally returned | Date the APR goes into effect, in UTC.
**Allowable Values:**
Format: yyyy-MM-dd |
| created\_time
datetime
Conditionally returned | Date and time when the APR policy was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| updated\_time
datetime
Conditionally returned | Date and time when the APR policy was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
Clone APR policy
**Action:** `POST`\
**Endpoint:** `/credit/policies/aprs/{token}/clone`
Create a new annual percentage rate (APR) policy based on an existing APR policy.
URL path parameters
| Fields | Description |
| ------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token
string
Required | Unique identifier of the APR policy to clone.
Send a `GET` request to `/policies/aprs` to retrieve existing APR policy tokens.
**Allowable Values:**
Existing APR policy token |
Response body
| Fields | Description |
| ---------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token
string
Conditionally returned | Unique identifier of the APR policy.
**Allowable Values:**
36 char max |
| name
string
Conditionally returned | Name of the APR policy.
**Allowable Values:**
255 char max |
| description
string
Conditionally returned | Description of the APR policy.
**Allowable Values:**
255 char max |
| purchases
object
Conditionally returned | Contains information on the pricing strategy for purchases.
**Allowable Values:**
Existing `purchases` object |
| purchases.**name**
string
Conditionally returned | Name of the pricing strategy.
**Allowable Values:**
255 char max |
| purchases.**external\_token**
string
Conditionally returned | Unique identifier of the pricing strategy on a credit program.
**Allowable Values:**
36 char max |
| purchases.**tiers**
array of objects
Conditionally returned | One or more risk tiers for a pricing strategy.
**Allowable Values:**
One or more `tiers` objects |
| purchases.tiers\[].**margin\_rate**
decimal
Conditionally returned | Margin rate for the risk tier for a pricing strategy.
**Allowable Values:**
Format: 0.00 |
| purchases.tiers\[].**apr**
decimal
Conditionally returned | Value of the APR.
**Allowable Values:**
Format: 0.00 |
| effective\_date
date
Conditionally returned | Date the APR goes into effect, in UTC.
**Allowable Values:**
Format: yyyy-MM-dd |
| created\_time
datetime
Conditionally returned | Date and time when the APR policy was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| updated\_time
datetime
Conditionally returned | Date and time when the APR policy was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
Sample response body
```json JSON expandable lines wrap theme={null}
{
"token": "my_apr_policy_token_1234",
"name": "Gold APR Policy",
"description": "A gold APR policy",
"purchases": {
"name": "A purchase at a merchant",
"external_token": "my_external_purchase_token1234",
"tiers": [
{
"margin_rate": 1,
"apr": 0
},
{
"margin_rate": 5,
"apr": 0
}
]
},
"effective_date": "2025-05-01",
"created_time": "2025-04-01T23:41:58.802Z",
"updated_time": "2025-04-05T16:04:48.643Z"
}
```
List APR schedules
**Action:** `GET`\
**Endpoint:** `/credit/policies/aprs/{token}/schedule`
Retrieve an array of the historic annual percentage rate (APR) schedules on a specific APR policy.
This endpoint supports [sorting and pagination](/core-api/sorting-and-pagination/).
URL path parameters
| Fields | Description |
| ------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token
string
Required | Unique identifier of the APR policy on which to retrieve APR schedules.
Send a `GET` request to `/policies/aprs` to retrieve existing product policy tokens.
**Allowable Values:**
Existing APR policy token |
URL query parameters
| Fields | Description |
| --------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| count
integer
Optional | Number of APR schedule resources to retrieve.
**Allowable Values:**
1–100 |
| start\_index
integer
Optional | Sort order index of the first resource in the returned array.
**Allowable Values:**
0 min |
| sort\_by
string
Optional | Field on which to sort. Prefix the field name with a hyphen (`-`) to sort in descending order. Omit the hyphen to sort in ascending order.
**NOTE:** You must sort using system field names such as `lastModifiedTime`, and not by the field names appearing in response bodies such as `last_modified_time`.
**Allowable Values:**
`lastModifiedTime`, `-lastModifiedTime` |
Response body
| Fields | Description |
| ------------------------------------------------------------------------------------------------ | ----------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| count
integer
Returned | Number of resources returned.
**Allowable Values:**
1-10 |
| start\_index
integer
Returned | Sort order index of the first resource in the returned array.
**Allowable Values:**
Any integer |
| end\_index
integer
Returned | Sort order index of the last resource in the returned array.
**Allowable Values:**
Any integer |
| is\_more
boolean
Returned | A value of `true` indicates that more unreturned resources exist.
**Allowable Values:**
`true`, `false` |
| data
array of objects
Returned | One or more APR policies.
**Allowable Values:**
One or more APR policy objects |
| data\[].**token**
string
Conditionally returned | Unique identifier of the APR policy.
**Allowable Values:**
36 char max |
| data\[].**name**
string
Conditionally returned | Name of the APR policy.
**Allowable Values:**
255 char max |
| data\[].**description**
string
Conditionally returned | Description of the APR policy.
**Allowable Values:**
255 char max |
| data\[].**purchases**
object
Conditionally returned | Contains information on the pricing strategy for purchases.
**Allowable Values:**
Existing `purchases` object |
| data\[].purchases.**name**
string
Conditionally returned | Name of the pricing strategy.
**Allowable Values:**
255 char max |
| data\[].purchases.**external\_token**
string
Conditionally returned | Unique identifier of the pricing strategy on a credit program.
**Allowable Values:**
36 char max |
| data\[].purchases.**tiers**
array of objects
Conditionally returned | One or more risk tiers for a pricing strategy.
**Allowable Values:**
One or more `tiers` objects |
| data\[].purchases.tiers\[].**margin\_rate**
decimal
Conditionally returned | Margin rate for the risk tier for a pricing strategy.
**Allowable Values:**
Format: 0.00 |
| data\[].purchases.tiers\[].**apr**
decimal
Conditionally returned | Value of the APR.
**Allowable Values:**
Format: 0.00 |
| data\[].**effective\_date**
date
Conditionally returned | Date the APR goes into effect, in UTC.
**Allowable Values:**
Format: yyyy-MM-dd |
| data\[].**created\_time**
datetime
Conditionally returned | Date and time when the APR policy was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| data\[].**updated\_time**
datetime
Conditionally returned | Date and time when the APR policy was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
Sample response body
```json JSON expandable lines wrap theme={null}
{
"count": 2,
"start_index": 0,
"end_index": 2,
"is_more": true,
"data": [
{
"token": "my_apr_policy_token_1234",
"name": "Gold APR Policy",
"description": "A gold APR policy",
"purchases": {
"name": "A purchase at a merchant",
"external_token": "my_external_purchase_token1234",
"tiers": [
{
"margin_rate": 1,
"apr": 0
},
{
"margin_rate": 5,
"apr": 0
}
]
},
"effective_date": "2025-05-01",
"created_time": "2025-04-01T23:41:58.802Z",
"updated_time": "2025-04-05T16:04:48.643Z"
},
{
"token": "my_apr_policy_token_4321",
"name": "Silver APR Policy",
"description": "A silver APR policy",
"purchases": {
"name": "A purchase at a merchant",
"external_token": "my_external_purchase_token4321",
"tiers": [
{
"margin_rate": 1,
"apr": 0
},
{
"margin_rate": 5,
"apr": 0
}
]
},
"effective_date": "2025-06-01",
"created_time": "2025-04-01T23:41:58.802Z",
"updated_time": "2025-04-05T16:04:48.643Z"
}
]
}
```
Create reward policy
**Action:** `POST`\
**Endpoint:** `/credit/policies/rewards`
Create a new reward policy.
Request body
| Fields | Description |
| --------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token
string
Optional | Unique identifier of the reward policy.
**Allowable Values:**
36 char max |
| name
string
Required | Name of the reward policy.
**Allowable Values:**
255 char max |
| description
string
Optional | Description of the reward policy.
**Allowable Values:**
255 char max |
| settlement\_strategy
string
Required | Reward settlement strategy for a credit program.
**Allowable Values:**
`STATEMENT`, `LIVE` |
| accrual\_strategy
string
Optional | Reward accrual strategy for a credit program. If no value for `accrual_strategy` is set, the default value of this field is `DEFAULT`.
**Allowable Values:**
`DEFAULT`, `PAYMENT` |
| rounding\_strategy
string
Optional | Rounding strategy for reward accrual calculations. If no value for `rounding_strategy` is set, then the default value of this field is `ROUND_HALF_EVEN`.
Available options:
- `ROUND_UP`: Always rounds away from zero to whole numbers.
- `ROUND_DOWN`: Always rounds towards zero to whole numbers.
- `ROUND_HALF_EVEN`: Rounds to two decimal places using half-even logic (default).
- `ROUND_HALF_EVEN_WHOLE`: Rounds to whole numbers using half-even logic.
**Allowable Values:**
`ROUND_UP`, `ROUND_DOWN`, `ROUND_HALF_EVEN`, `ROUND_HALF_EVEN_WHOLE` |
| rules
array of objects
Required | List of one or more reward rules.
**Allowable Values:**
Valid array of one or more `rules` objects |
| rules\[].**description**
string
Required | The description of the rule.
**Allowable Values:**
255 char max |
| rules\[].**type**
string
Required | Type of rule.
**Allowable Values:**
`MULTIPLIER_PER_TRANSACTION` |
| rules\[].**calculation\_type**
string
Optional | Type of calculation to use to evaluate if a rule has been satisfied.
**Allowable Values:**
`PER_TRANSACTION` |
| rules\[].**multiplier**
decimal
Optional | The reward multiplier to apply the transaction, where '1' means 1x transaction amount.
**Allowable Values:**
Any integer |
| rules\[].**amount**
decimal
Optional | The static amount to reward if the rule conditions are met.
**Allowable Values:**
Any integer |
| rules\[].**attributes**
object
Optional | Additional properties for which the rule can be used to determine reward accrual eligibility for a transaction.
**Allowable Values:**
mcc: `1500`, `0001-1499` mid: `255` |
| rules\[].attributes.**mcc**
array of strings
Optional | List of merchant category codes (MCCs). MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen.
**Allowable Values:**
`1500`, `0001-1499` |
| rules\[].attributes.**mid**
string
Optional | Merchant ID for the rule.
**Allowable Values:**
"255" |
| rules\[].attributes.**min\_spend**
decimal
Optional | Minimum spend amount.
**Allowable Values:**
100 |
| rules\[].attributes.**max\_spend**
decimal
Optional | Maximum spend amount.
**Allowable Values:**
150 |
| rules\[].attributes.**spend\_total**
decimal
Optional | Total spend amount.
**Allowable Values:**
100 |
| rules\[].attributes.**spend\_days**
integer
Optional | Maximum number of days since account creation within which the minimum spend requirements must be met to qualify for the reward (used for signup bonus rules).
Positive integer values are allowed, with a minimum value of `1`.
**Allowable Values:**
1 min |
| conversions
array of objects
Required | List of one or more reward conversions.
**Allowable Values:**
Valid array of one or more `conversion` objects |
| conversions\[].**type**
string
Required | Type of conversion.
**Allowable Values:**
`STATEMENT_CREDIT` |
| conversions\[].**conversion\_rate**
decimal
Required | The rate that points are worth with converting the REDEMPTION\_TYPE indicated.
**Allowable Values:**
0.001 min
Format: 0.000 |
| conversions\[].**conversion\_increment**
integer
Required | The static amount to reward if the rule conditions are met.
**Allowable Values:**
Any integer |
| conversions\[].**currency**
string
Optional | Type of currency used with the conversion rate.
**Allowable Values:**
Currency code, such as EUR or USD. |
| exclusions
object
Required | Defines what merchant category codes (MCCs) are excluded from earning rewards. MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen.
**Allowable Values:**
`1500`, `0001-1499` |
| exclusions.**use\_default\_exclusions**
boolean
Optional | Indicates whether to use the default exclusion list.
- If `true`, the default exclusion list is used.
- If `false`, the custom exclusion list is used, if custom exclusions are included.
**Allowable Values:**
`true`, `false` |
| exclusions.**custom\_exclusions**
array of strings
Optional | List of merchant category codes (MCCs). MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen.
**Allowable Values:**
`1500`, `0001-1499` |
Sample request body
```json JSON expandable lines wrap theme={null}
{
"token": "my_reward_policy_token_1234",
"name": "Gold Reward Policy",
"description": "A gold reward policy",
"settlement_strategy": "STATEMENT",
"accrual_strategy": "DEFAULT",
"rounding_strategy": "ROUND_HALF_EVEN",
"rules": [
{
"description": "Earn 1x on selected categories.",
"type": "MULTIPLIER_PER_TRANSACTION",
"calculation_type": "PER_TRANSACTION",
"multiplier": 1,
"amount": null,
"attributes": {}
}
],
"conversions": [
{
"type": "STATEMENT_CREDIT",
"conversion_rate": 0.001,
"conversion_increment": 10,
"currency": "USD"
}
],
"exclusions": {
"use_default_exclusions": false,
"custom_exclusions": [
"2000-2999",
"4321"
]
}
}
```
Response body
| Fields | Description |
| ----------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token
string
Conditionally returned | Unique identifier of the reward policy.
**Allowable Values:**
36 char max |
| name
string
Conditionally returned | Name of the reward policy.
**Allowable Values:**
255 char max |
| description
string
Conditionally returned | Description of the reward policy.
**Allowable Values:**
255 char max |
| settlement\_strategy
string
Conditionally returned | Reward settlement strategy for a credit program.
**Allowable Values:**
`STATEMENT`, `LIVE` |
| accrual\_strategy
string
Conditionally returned | Reward accrual strategy for a credit program. If no value for `accrual_strategy` is set, the default value of this field is `DEFAULT`.
**Allowable Values:**
`DEFAULT`, `PAYMENT` |
| rounding\_strategy
string
Conditionally returned | Rounding strategy for reward accrual calculations. If no value for `rounding_strategy` is set, then the default value of this field is `ROUND_HALF_EVEN`.
Available options:
- `ROUND_UP`: Always rounds away from zero to whole numbers.
- `ROUND_DOWN`: Always rounds towards zero to whole numbers.
- `ROUND_HALF_EVEN`: Rounds to two decimal places using half-even logic (default).
- `ROUND_HALF_EVEN_WHOLE`: Rounds to whole numbers using half-even logic.
**Allowable Values:**
`ROUND_UP`, `ROUND_DOWN`, `ROUND_HALF_EVEN`, `ROUND_HALF_EVEN_WHOLE` |
| rules
array of objects
Conditionally returned | A list of one or more reward rules.
**Allowable Values:**
Valid array of one or more `rules` objects |
| rules\[].**description**
string
Returned | The description of the rule.
**Allowable Values:**
255 char max |
| rules\[].**type**
string
Returned | Type of rule.
**Allowable Values:**
`MULTIPLIER_PER_TRANSACTION` |
| rules\[].**calculation\_type**
string
Conditionally returned | Type of calculation to use to evaluate if a rule has been satisfied.
**Allowable Values:**
`PER_TRANSACTION` |
| rules\[].**multiplier**
decimal
Conditionally returned | The reward multiplier to apply the transaction, where '1' means 1x transaction amount.
**Allowable Values:**
Any integer |
| rules\[].**amount**
decimal
Conditionally returned | The static amount to reward if the rule conditions are met.
**Allowable Values:**
Any integer |
| rules\[].**attributes**
object
Conditionally returned | Additional properties for which the rule can be used to determine reward accrual eligibility for a transaction.
**Allowable Values:**
mcc: `1500`, `0001-1499` mid: `255` |
| rules\[].attributes.**mcc**
array of strings
Conditionally returned | List of merchant category codes (MCCs). MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen.
**Allowable Values:**
`1500`, `0001-1499` |
| rules\[].attributes.**mid**
string
Conditionally returned | Merchant ID for the rule.
**Allowable Values:**
"255" |
| rules\[].attributes.**min\_spend**
decimal
Conditionally returned | Minimum spend amount.
**Allowable Values:**
100 |
| rules\[].attributes.**max\_spend**
decimal
Conditionally returned | Maximum spend amount.
**Allowable Values:**
150 |
| rules\[].attributes.**spend\_total**
decimal
Conditionally returned | Total spend amount.
**Allowable Values:**
100 |
| rules\[].attributes.**spend\_days**
integer
Conditionally returned | Maximum number of days since account creation within which the minimum spend requirements must be met to qualify for the reward (used for signup bonus rules).
Positive integer values are allowed, with a minimum value of `1`.
**Allowable Values:**
1 min |
| conversions
array of objects
Conditionally returned | List of one or more reward conversions.
**Allowable Values:**
Valid array of one or more `conversion` objects |
| conversions\[].**type**
string
Returned | Type of conversion.
**Allowable Values:**
`STATEMENT_CREDIT` |
| conversions\[].**conversion\_rate**
decimal
Returned | The rate that points are worth with converting the REDEMPTION\_TYPE indicated.
**Allowable Values:**
0.001 min
Format: 0.000 |
| conversions\[].**conversion\_increment**
integer
Returned | The static amount to reward if the rule conditions are met.
**Allowable Values:**
Any integer |
| conversions\[].**currency**
string
Conditionally returned | Type of currency used with the conversion rate.
**Allowable Values:**
Currency code, such as EUR or USD. |
| exclusions
object
Conditionally returned | Defines what merchant category codes (MCCs) are excluded from earning rewards. MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen.
**Allowable Values:**
`1500`, `0001-1499` |
| exclusions.**use\_default\_exclusions**
boolean
Conditionally returned | Indicates whether to use the default exclusion list.
- If `true`, the default exclusion list is used.
- If `false`, the custom exclusion list is used, if custom exclusions are included.
**Allowable Values:**
`true`, `false` |
| exclusions.**custom\_exclusions**
array of strings
Conditionally returned | List of merchant category codes (MCCs). MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen.
**Allowable Values:**
`1500`, `0001-1499` |
| created\_time
datetime
Conditionally returned | Date and time when the reward policy was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| updated\_time
datetime
Conditionally returned | Date and time when the reward policy was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
Sample response body
```json JSON expandable lines wrap theme={null}
{
"token": "my_reward_policy_token_1234",
"name": "Gold Reward Policy",
"description": "A gold reward policy",
"settlement_strategy": "STATEMENT",
"accrual_strategy": "DEFAULT",
"rounding_strategy": "ROUND_HALF_EVEN",
"rules": [
{
"description": "Earn 3x on all categories.",
"type": "MULTIPLIER_PER_TRANSACTION",
"calculation_type": "PER_TRANSACTION",
"multiplier": 3,
"amount": null,
"attributes": {}
}
],
"conversions": [
{
"type": "STATEMENT_CREDIT",
"conversion_rate": 0.001,
"conversion_increment": 10,
"currency": "USD"
}
],
"exclusions": {
"use_default_exclusions": false,
"custom_exclusions": [
"2000-2999",
"4321"
]
},
"created_time": "2025-04-01T23:41:58.802Z",
"updated_time": "2025-04-05T16:04:48.643Z"
}
```
List reward policies
**Action:** `GET`\
**Endpoint:** `/credit/policies/rewards`
Retrieve an array of reward policies.
This endpoint supports [sorting and pagination](/core-api/sorting-and-pagination/).
URL query parameters
| Fields | Description |
| --------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| count
integer
Optional | Number of reward policy resources to retrieve.
**Allowable Values:**
1–100 |
| start\_index
integer
Optional | Sort order index of the first resource in the returned array.
**Allowable Values:**
0 min |
| sort\_by
string
Optional | Field on which to sort. Prefix the field name with a hyphen (`-`) to sort in descending order. Omit the hyphen to sort in ascending order.
**NOTE:** You must sort using system field names such as `lastModifiedTime`, and not by the field names appearing in response bodies such as `last_modified_time`.
**Allowable Values:**
`lastModifiedTime`, `-lastModifiedTime` |
Response body
| Fields | Description |
| ------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| count
integer
Returned | Number of resources returned.
**Allowable Values:**
1-10 |
| start\_index
integer
Returned | Sort order index of the first resource in the returned array.
**Allowable Values:**
Any integer |
| end\_index
integer
Returned | Sort order index of the last resource in the returned array.
**Allowable Values:**
Any integer |
| is\_more
boolean
Returned | A value of `true` indicates that more unreturned resources exist.
**Allowable Values:**
`true`, `false` |
| data
array of objects
Returned | List of one or more reward policies.
**Allowable Values:**
Valid array of one or more reward policy objects |
| data\[].**token**
string
Conditionally returned | Unique identifier of the reward policy.
**Allowable Values:**
36 char max |
| data\[].**name**
string
Conditionally returned | Name of the reward policy.
**Allowable Values:**
255 char max |
| data\[].**description**
string
Conditionally returned | Description of the reward policy.
**Allowable Values:**
255 char max |
| data\[].**settlement\_strategy**
string
Conditionally returned | Reward settlement strategy for a credit program.
**Allowable Values:**
`STATEMENT`, `LIVE` |
| data\[].**accrual\_strategy**
string
Conditionally returned | Reward accrual strategy for a credit program. If no value for `accrual_strategy` is set, the default value of this field is `DEFAULT`.
**Allowable Values:**
`DEFAULT`, `PAYMENT` |
| data\[].**rounding\_strategy**
string
Conditionally returned | Rounding strategy for reward accrual calculations. If no value for `rounding_strategy` is set, then the default value of this field is `ROUND_HALF_EVEN`.
Available options:
- `ROUND_UP`: Always rounds away from zero to whole numbers.
- `ROUND_DOWN`: Always rounds towards zero to whole numbers.
- `ROUND_HALF_EVEN`: Rounds to two decimal places using half-even logic (default).
- `ROUND_HALF_EVEN_WHOLE`: Rounds to whole numbers using half-even logic.
**Allowable Values:**
`ROUND_UP`, `ROUND_DOWN`, `ROUND_HALF_EVEN`, `ROUND_HALF_EVEN_WHOLE` |
| data\[].**rules**
array of objects
Conditionally returned | A list of one or more reward rules.
**Allowable Values:**
Valid array of one or more `rules` objects |
| data\[].rules\[].**description**
string
Returned | The description of the rule.
**Allowable Values:**
255 char max |
| data\[].rules\[].**type**
string
Returned | Type of rule.
**Allowable Values:**
`MULTIPLIER_PER_TRANSACTION` |
| data\[].rules\[].**calculation\_type**
string
Conditionally returned | Type of calculation to use to evaluate if a rule has been satisfied.
**Allowable Values:**
`PER_TRANSACTION` |
| data\[].rules\[].**multiplier**
decimal
Conditionally returned | The reward multiplier to apply the transaction, where '1' means 1x transaction amount.
**Allowable Values:**
Any integer |
| data\[].rules\[].**amount**
decimal
Conditionally returned | The static amount to reward if the rule conditions are met.
**Allowable Values:**
Any integer |
| data\[].rules\[].**attributes**
object
Conditionally returned | Additional properties for which the rule can be used to determine reward accrual eligibility for a transaction.
**Allowable Values:**
mcc: `1500`, `0001-1499` mid: `255` |
| data\[].rules\[].attributes.**mcc**
array of strings
Conditionally returned | List of merchant category codes (MCCs). MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen.
**Allowable Values:**
`1500`, `0001-1499` |
| data\[].rules\[].attributes.**mid**
string
Conditionally returned | Merchant ID for the rule.
**Allowable Values:**
"255" |
| data\[].rules\[].attributes.**min\_spend**
decimal
Conditionally returned | Minimum spend amount.
**Allowable Values:**
100 |
| data\[].rules\[].attributes.**max\_spend**
decimal
Conditionally returned | Maximum spend amount.
**Allowable Values:**
150 |
| data\[].rules\[].attributes.**spend\_total**
decimal
Conditionally returned | Total spend amount.
**Allowable Values:**
100 |
| data\[].rules\[].attributes.**spend\_days**
integer
Conditionally returned | Maximum number of days since account creation within which the minimum spend requirements must be met to qualify for the reward (used for signup bonus rules).
Positive integer values are allowed, with a minimum value of `1`.
**Allowable Values:**
1 min |
| data\[].**conversions**
array of objects
Conditionally returned | List of one or more reward conversions.
**Allowable Values:**
Valid array of one or more `conversion` objects |
| data\[].conversions\[].**type**
string
Returned | Type of conversion.
**Allowable Values:**
`STATEMENT_CREDIT` |
| data\[].conversions\[].**conversion\_rate**
decimal
Returned | The rate that points are worth with converting the REDEMPTION\_TYPE indicated.
**Allowable Values:**
0.001 min
Format: 0.000 |
| data\[].conversions\[].**conversion\_increment**
integer
Returned | The static amount to reward if the rule conditions are met.
**Allowable Values:**
Any integer |
| data\[].conversions\[].**currency**
string
Conditionally returned | Type of currency used with the conversion rate.
**Allowable Values:**
Currency code, such as EUR or USD. |
| data\[].**exclusions**
object
Conditionally returned | Defines what merchant category codes (MCCs) are excluded from earning rewards. MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen.
**Allowable Values:**
`1500`, `0001-1499` |
| data\[].exclusions.**use\_default\_exclusions**
boolean
Conditionally returned | Indicates whether to use the default exclusion list.
- If `true`, the default exclusion list is used.
- If `false`, the custom exclusion list is used, if custom exclusions are included.
**Allowable Values:**
`true`, `false` |
| data\[].exclusions.**custom\_exclusions**
array of strings
Conditionally returned | List of merchant category codes (MCCs). MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen.
**Allowable Values:**
`1500`, `0001-1499` |
| data\[].**created\_time**
datetime
Conditionally returned | Date and time when the reward policy was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| data\[].**updated\_time**
datetime
Conditionally returned | Date and time when the reward policy was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
Sample response body
```json JSON expandable lines wrap theme={null}
{
"count": 2,
"start_index": 0,
"end_index": 2,
"is_more": true,
"data": [
{
"token": "my_reward_policy_token_1234",
"name": "Gold Reward Policy",
"description": "A gold reward policy",
"settlement_strategy": "STATEMENT",
"accrual_strategy": "DEFAULT",
"rounding_strategy": "ROUND_HALF_EVEN",
"rules": [
{
"description": "Earn 3x on selected categories.",
"type": "MULTIPLIER_PER_TRANSACTION",
"calculation_type": "PER_TRANSACTION",
"multiplier": 3,
"amount": null,
"attributes": {
"mcc": [
"0001-1499",
"1500"
]
}
}
],
"conversions": [
{
"type": "STATEMENT_CREDIT",
"conversion_rate": 0.001,
"conversion_increment": 10,
"currency": "USD"
}
],
"exclusions": {
"use_default_exclusions": false,
"custom_exclusions": [
"2000-2999",
"4321"
]
},
"created_time": "2025-04-01T23:41:58.802Z",
"updated_time": "2025-04-05T16:04:48.643Z"
}
]
}
```
Retrieve reward policy
**Action:** `GET`\
**Endpoint:** `/credit/policies/rewards/{token}`
Retrieve a reward policy.
URL path parameters
| Fields | Description |
| ------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| token
string
Required | Unique identifier of the reward policy to retrieve.
Send a `GET` request to `/policies/rewards` to retrieve existing reward policy tokens.
**Allowable Values:**
Existing reward policy token |
Response body
| Fields | Description |
| ----------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token
string
Conditionally returned | Unique identifier of the reward policy.
**Allowable Values:**
36 char max |
| name
string
Conditionally returned | Name of the reward policy.
**Allowable Values:**
255 char max |
| description
string
Conditionally returned | Description of the reward policy.
**Allowable Values:**
255 char max |
| settlement\_strategy
string
Conditionally returned | Reward settlement strategy for a credit program.
**Allowable Values:**
`STATEMENT`, `LIVE` |
| accrual\_strategy
string
Conditionally returned | Reward accrual strategy for a credit program. If no value for `accrual_strategy` is set, the default value of this field is `DEFAULT`.
**Allowable Values:**
`DEFAULT`, `PAYMENT` |
| rounding\_strategy
string
Conditionally returned | Rounding strategy for reward accrual calculations. If no value for `rounding_strategy` is set, then the default value of this field is `ROUND_HALF_EVEN`.
Available options:
- `ROUND_UP`: Always rounds away from zero to whole numbers.
- `ROUND_DOWN`: Always rounds towards zero to whole numbers.
- `ROUND_HALF_EVEN`: Rounds to two decimal places using half-even logic (default).
- `ROUND_HALF_EVEN_WHOLE`: Rounds to whole numbers using half-even logic.
**Allowable Values:**
`ROUND_UP`, `ROUND_DOWN`, `ROUND_HALF_EVEN`, `ROUND_HALF_EVEN_WHOLE` |
| rules
array of objects
Conditionally returned | A list of one or more reward rules.
**Allowable Values:**
Valid array of one or more `rules` objects |
| rules\[].**description**
string
Returned | The description of the rule.
**Allowable Values:**
255 char max |
| rules\[].**type**
string
Returned | Type of rule.
**Allowable Values:**
`MULTIPLIER_PER_TRANSACTION` |
| rules\[].**calculation\_type**
string
Conditionally returned | Type of calculation to use to evaluate if a rule has been satisfied.
**Allowable Values:**
`PER_TRANSACTION` |
| rules\[].**multiplier**
decimal
Conditionally returned | The reward multiplier to apply the transaction, where '1' means 1x transaction amount.
**Allowable Values:**
Any integer |
| rules\[].**amount**
decimal
Conditionally returned | The static amount to reward if the rule conditions are met.
**Allowable Values:**
Any integer |
| rules\[].**attributes**
object
Conditionally returned | Additional properties for which the rule can be used to determine reward accrual eligibility for a transaction.
**Allowable Values:**
mcc: `1500`, `0001-1499` mid: `255` |
| rules\[].attributes.**mcc**
array of strings
Conditionally returned | List of merchant category codes (MCCs). MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen.
**Allowable Values:**
`1500`, `0001-1499` |
| rules\[].attributes.**mid**
string
Conditionally returned | Merchant ID for the rule.
**Allowable Values:**
"255" |
| rules\[].attributes.**min\_spend**
decimal
Conditionally returned | Minimum spend amount.
**Allowable Values:**
100 |
| rules\[].attributes.**max\_spend**
decimal
Conditionally returned | Maximum spend amount.
**Allowable Values:**
150 |
| rules\[].attributes.**spend\_total**
decimal
Conditionally returned | Total spend amount.
**Allowable Values:**
100 |
| rules\[].attributes.**spend\_days**
integer
Conditionally returned | Maximum number of days since account creation within which the minimum spend requirements must be met to qualify for the reward (used for signup bonus rules).
Positive integer values are allowed, with a minimum value of `1`.
**Allowable Values:**
1 min |
| conversions
array of objects
Conditionally returned | List of one or more reward conversions.
**Allowable Values:**
Valid array of one or more `conversion` objects |
| conversions\[].**type**
string
Returned | Type of conversion.
**Allowable Values:**
`STATEMENT_CREDIT` |
| conversions\[].**conversion\_rate**
decimal
Returned | The rate that points are worth with converting the REDEMPTION\_TYPE indicated.
**Allowable Values:**
0.001 min
Format: 0.000 |
| conversions\[].**conversion\_increment**
integer
Returned | The static amount to reward if the rule conditions are met.
**Allowable Values:**
Any integer |
| conversions\[].**currency**
string
Conditionally returned | Type of currency used with the conversion rate.
**Allowable Values:**
Currency code, such as EUR or USD. |
| exclusions
object
Conditionally returned | Defines what merchant category codes (MCCs) are excluded from earning rewards. MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen.
**Allowable Values:**
`1500`, `0001-1499` |
| exclusions.**use\_default\_exclusions**
boolean
Conditionally returned | Indicates whether to use the default exclusion list.
- If `true`, the default exclusion list is used.
- If `false`, the custom exclusion list is used, if custom exclusions are included.
**Allowable Values:**
`true`, `false` |
| exclusions.**custom\_exclusions**
array of strings
Conditionally returned | List of merchant category codes (MCCs). MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen.
**Allowable Values:**
`1500`, `0001-1499` |
| created\_time
datetime
Conditionally returned | Date and time when the reward policy was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| updated\_time
datetime
Conditionally returned | Date and time when the reward policy was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
Sample response body
```json JSON expandable lines wrap theme={null}
{
"token": "my_reward_policy_token_1234",
"name": "Gold Reward Policy",
"description": "A gold reward policy",
"settlement_strategy": "STATEMENT",
"accrual_strategy": "DEFAULT",
"rounding_strategy": "ROUND_HALF_EVEN",
"rules": [
{
"description": "Earn 3x on selected categories.",
"type": "MULTIPLIER_PER_TRANSACTION",
"calculation_type": "PER_TRANSACTION",
"multiplier": 3,
"amount": null,
"attributes": {
"mcc": [
"0001-1499",
"1500"
]
}
}
],
"conversions": [
{
"type": "STATEMENT_CREDIT",
"conversion_rate": 0.001,
"conversion_increment": 10,
"currency": "USD"
}
],
"exclusions": {
"use_default_exclusions": false,
"custom_exclusions": [
"2000-2999",
"4321"
]
},
"created_time": "2025-04-01T23:41:58.802Z",
"updated_time": "2025-04-05T16:04:48.643Z"
}
```
Update reward policy
**Action:** `PUT`\
**Endpoint:** `/credit/policies/rewards/{token}`
Update a reward policy.
URL path parameters
| Fields | Description |
| ------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token
string
Required | Unique identifier of the reward policy to update.
Send a `GET` request to `/policies/rewards` to retrieve existing reward policy tokens.
**Allowable Values:**
Existing reward policy token |
Request body
| Fields | Description |
| --------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token
string
Optional | Unique identifier of the reward policy.
**Allowable Values:**
36 char max |
| name
string
Required | Name of the reward policy.
**Allowable Values:**
255 char max |
| description
string
Optional | Description of the reward policy.
**Allowable Values:**
255 char max |
| settlement\_strategy
string
Required | Reward settlement strategy for a credit program.
**Allowable Values:**
`STATEMENT`, `LIVE` |
| accrual\_strategy
string
Optional | Reward accrual strategy for a credit program. If no value for `accrual_strategy` is set, the default value of this field is `DEFAULT`.
**Allowable Values:**
`DEFAULT`, `PAYMENT` |
| rounding\_strategy
string
Optional | Rounding strategy for reward accrual calculations. If no value for `rounding_strategy` is set, then the default value of this field is `ROUND_HALF_EVEN`.
Available options:
- `ROUND_UP`: Always rounds away from zero to whole numbers.
- `ROUND_DOWN`: Always rounds towards zero to whole numbers.
- `ROUND_HALF_EVEN`: Rounds to two decimal places using half-even logic (default).
- `ROUND_HALF_EVEN_WHOLE`: Rounds to whole numbers using half-even logic.
**Allowable Values:**
`ROUND_UP`, `ROUND_DOWN`, `ROUND_HALF_EVEN`, `ROUND_HALF_EVEN_WHOLE` |
| rules
array of objects
Required | List of one or more reward rules.
**Allowable Values:**
Valid array of one or more `rules` objects |
| rules\[].**description**
string
Required | The description of the rule.
**Allowable Values:**
255 char max |
| rules\[].**type**
string
Required | Type of rule.
**Allowable Values:**
`MULTIPLIER_PER_TRANSACTION` |
| rules\[].**calculation\_type**
string
Optional | Type of calculation to use to evaluate if a rule has been satisfied.
**Allowable Values:**
`PER_TRANSACTION` |
| rules\[].**multiplier**
decimal
Optional | The reward multiplier to apply the transaction, where '1' means 1x transaction amount.
**Allowable Values:**
Any integer |
| rules\[].**amount**
decimal
Optional | The static amount to reward if the rule conditions are met.
**Allowable Values:**
Any integer |
| rules\[].**attributes**
object
Optional | Additional properties for which the rule can be used to determine reward accrual eligibility for a transaction.
**Allowable Values:**
mcc: `1500`, `0001-1499` mid: `255` |
| rules\[].attributes.**mcc**
array of strings
Optional | List of merchant category codes (MCCs). MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen.
**Allowable Values:**
`1500`, `0001-1499` |
| rules\[].attributes.**mid**
string
Optional | Merchant ID for the rule.
**Allowable Values:**
"255" |
| rules\[].attributes.**min\_spend**
decimal
Optional | Minimum spend amount.
**Allowable Values:**
100 |
| rules\[].attributes.**max\_spend**
decimal
Optional | Maximum spend amount.
**Allowable Values:**
150 |
| rules\[].attributes.**spend\_total**
decimal
Optional | Total spend amount.
**Allowable Values:**
100 |
| rules\[].attributes.**spend\_days**
integer
Optional | Maximum number of days since account creation within which the minimum spend requirements must be met to qualify for the reward (used for signup bonus rules).
Positive integer values are allowed, with a minimum value of `1`.
**Allowable Values:**
1 min |
| conversions
array of objects
Required | List of one or more reward conversions.
**Allowable Values:**
Valid array of one or more `conversion` objects |
| conversions\[].**type**
string
Required | Type of conversion.
**Allowable Values:**
`STATEMENT_CREDIT` |
| conversions\[].**conversion\_rate**
decimal
Required | The rate that points are worth with converting the REDEMPTION\_TYPE indicated.
**Allowable Values:**
0.001 min
Format: 0.000 |
| conversions\[].**conversion\_increment**
integer
Required | The static amount to reward if the rule conditions are met.
**Allowable Values:**
Any integer |
| conversions\[].**currency**
string
Optional | Type of currency used with the conversion rate.
**Allowable Values:**
Currency code, such as EUR or USD. |
| exclusions
object
Required | Defines what merchant category codes (MCCs) are excluded from earning rewards. MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen.
**Allowable Values:**
`1500`, `0001-1499` |
| exclusions.**use\_default\_exclusions**
boolean
Optional | Indicates whether to use the default exclusion list.
- If `true`, the default exclusion list is used.
- If `false`, the custom exclusion list is used, if custom exclusions are included.
**Allowable Values:**
`true`, `false` |
| exclusions.**custom\_exclusions**
array of strings
Optional | List of merchant category codes (MCCs). MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen.
**Allowable Values:**
`1500`, `0001-1499` |
Response body
| Fields | Description |
| ----------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token
string
Conditionally returned | Unique identifier of the reward policy.
**Allowable Values:**
36 char max |
| name
string
Conditionally returned | Name of the reward policy.
**Allowable Values:**
255 char max |
| description
string
Conditionally returned | Description of the reward policy.
**Allowable Values:**
255 char max |
| settlement\_strategy
string
Conditionally returned | Reward settlement strategy for a credit program.
**Allowable Values:**
`STATEMENT`, `LIVE` |
| accrual\_strategy
string
Conditionally returned | Reward accrual strategy for a credit program. If no value for `accrual_strategy` is set, the default value of this field is `DEFAULT`.
**Allowable Values:**
`DEFAULT`, `PAYMENT` |
| rounding\_strategy
string
Conditionally returned | Rounding strategy for reward accrual calculations. If no value for `rounding_strategy` is set, then the default value of this field is `ROUND_HALF_EVEN`.
Available options:
- `ROUND_UP`: Always rounds away from zero to whole numbers.
- `ROUND_DOWN`: Always rounds towards zero to whole numbers.
- `ROUND_HALF_EVEN`: Rounds to two decimal places using half-even logic (default).
- `ROUND_HALF_EVEN_WHOLE`: Rounds to whole numbers using half-even logic.
**Allowable Values:**
`ROUND_UP`, `ROUND_DOWN`, `ROUND_HALF_EVEN`, `ROUND_HALF_EVEN_WHOLE` |
| rules
array of objects
Conditionally returned | A list of one or more reward rules.
**Allowable Values:**
Valid array of one or more `rules` objects |
| rules\[].**description**
string
Returned | The description of the rule.
**Allowable Values:**
255 char max |
| rules\[].**type**
string
Returned | Type of rule.
**Allowable Values:**
`MULTIPLIER_PER_TRANSACTION` |
| rules\[].**calculation\_type**
string
Conditionally returned | Type of calculation to use to evaluate if a rule has been satisfied.
**Allowable Values:**
`PER_TRANSACTION` |
| rules\[].**multiplier**
decimal
Conditionally returned | The reward multiplier to apply the transaction, where '1' means 1x transaction amount.
**Allowable Values:**
Any integer |
| rules\[].**amount**
decimal
Conditionally returned | The static amount to reward if the rule conditions are met.
**Allowable Values:**
Any integer |
| rules\[].**attributes**
object
Conditionally returned | Additional properties for which the rule can be used to determine reward accrual eligibility for a transaction.
**Allowable Values:**
mcc: `1500`, `0001-1499` mid: `255` |
| rules\[].attributes.**mcc**
array of strings
Conditionally returned | List of merchant category codes (MCCs). MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen.
**Allowable Values:**
`1500`, `0001-1499` |
| rules\[].attributes.**mid**
string
Conditionally returned | Merchant ID for the rule.
**Allowable Values:**
"255" |
| rules\[].attributes.**min\_spend**
decimal
Conditionally returned | Minimum spend amount.
**Allowable Values:**
100 |
| rules\[].attributes.**max\_spend**
decimal
Conditionally returned | Maximum spend amount.
**Allowable Values:**
150 |
| rules\[].attributes.**spend\_total**
decimal
Conditionally returned | Total spend amount.
**Allowable Values:**
100 |
| rules\[].attributes.**spend\_days**
integer
Conditionally returned | Maximum number of days since account creation within which the minimum spend requirements must be met to qualify for the reward (used for signup bonus rules).
Positive integer values are allowed, with a minimum value of `1`.
**Allowable Values:**
1 min |
| conversions
array of objects
Conditionally returned | List of one or more reward conversions.
**Allowable Values:**
Valid array of one or more `conversion` objects |
| conversions\[].**type**
string
Returned | Type of conversion.
**Allowable Values:**
`STATEMENT_CREDIT` |
| conversions\[].**conversion\_rate**
decimal
Returned | The rate that points are worth with converting the REDEMPTION\_TYPE indicated.
**Allowable Values:**
0.001 min
Format: 0.000 |
| conversions\[].**conversion\_increment**
integer
Returned | The static amount to reward if the rule conditions are met.
**Allowable Values:**
Any integer |
| conversions\[].**currency**
string
Conditionally returned | Type of currency used with the conversion rate.
**Allowable Values:**
Currency code, such as EUR or USD. |
| exclusions
object
Conditionally returned | Defines what merchant category codes (MCCs) are excluded from earning rewards. MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen.
**Allowable Values:**
`1500`, `0001-1499` |
| exclusions.**use\_default\_exclusions**
boolean
Conditionally returned | Indicates whether to use the default exclusion list.
- If `true`, the default exclusion list is used.
- If `false`, the custom exclusion list is used, if custom exclusions are included.
**Allowable Values:**
`true`, `false` |
| exclusions.**custom\_exclusions**
array of strings
Conditionally returned | List of merchant category codes (MCCs). MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen.
**Allowable Values:**
`1500`, `0001-1499` |
| created\_time
datetime
Conditionally returned | Date and time when the reward policy was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| updated\_time
datetime
Conditionally returned | Date and time when the reward policy was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
Sample response body
```json JSON expandable lines wrap theme={null}
{
"token": "my_reward_policy_token_1234",
"name": "Gold Reward Policy",
"description": "A gold reward policy",
"settlement_strategy": "STATEMENT",
"accrual_strategy": "DEFAULT",
"rounding_strategy": "ROUND_HALF_EVEN",
"rules": [
{
"description": "Earn 3x on selected categories.",
"type": "MULTIPLIER_PER_TRANSACTION",
"calculation_type": "PER_TRANSACTION",
"multiplier": 3,
"amount": null,
"attributes": {
"mcc": [
"0001-1499",
"1500"
]
}
}
],
"conversions": [
{
"type": "STATEMENT_CREDIT",
"conversion_rate": 0.001,
"conversion_increment": 10,
"currency": "USD"
}
],
"exclusions": {
"use_default_exclusions": false,
"custom_exclusions": [
"2000-2999",
"4321"
]
},
"created_time": "2025-04-01T23:41:58.802Z",
"updated_time": "2025-04-05T16:04:48.643Z"
}
```
Clone reward policy
**Action:** `POST`\
**Endpoint:** `/credit/policies/rewards/{token}/clone`
Create a new reward policy based on existing reward policy.
URL path parameters
| Fields | Description |
| ------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token
string
Required | Unique identifier of the reward policy to clone.
Send a `GET` request to `/policies/rewards` to retrieve existing reward policy tokens.
**Allowable Values:**
Existing reward policy token |
Response body
| Fields | Description |
| ----------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token
string
Conditionally returned | Unique identifier of the reward policy.
**Allowable Values:**
36 char max |
| name
string
Conditionally returned | Name of the reward policy.
**Allowable Values:**
255 char max |
| description
string
Conditionally returned | Description of the reward policy.
**Allowable Values:**
255 char max |
| settlement\_strategy
string
Conditionally returned | Reward settlement strategy for a credit program.
**Allowable Values:**
`STATEMENT`, `LIVE` |
| accrual\_strategy
string
Conditionally returned | Reward accrual strategy for a credit program. If no value for `accrual_strategy` is set, the default value of this field is `DEFAULT`.
**Allowable Values:**
`DEFAULT`, `PAYMENT` |
| rounding\_strategy
string
Conditionally returned | Rounding strategy for reward accrual calculations. If no value for `rounding_strategy` is set, then the default value of this field is `ROUND_HALF_EVEN`.
Available options:
- `ROUND_UP`: Always rounds away from zero to whole numbers.
- `ROUND_DOWN`: Always rounds towards zero to whole numbers.
- `ROUND_HALF_EVEN`: Rounds to two decimal places using half-even logic (default).
- `ROUND_HALF_EVEN_WHOLE`: Rounds to whole numbers using half-even logic.
**Allowable Values:**
`ROUND_UP`, `ROUND_DOWN`, `ROUND_HALF_EVEN`, `ROUND_HALF_EVEN_WHOLE` |
| rules
array of objects
Conditionally returned | A list of one or more reward rules.
**Allowable Values:**
Valid array of one or more `rules` objects |
| rules\[].**description**
string
Returned | The description of the rule.
**Allowable Values:**
255 char max |
| rules\[].**type**
string
Returned | Type of rule.
**Allowable Values:**
`MULTIPLIER_PER_TRANSACTION` |
| rules\[].**calculation\_type**
string
Conditionally returned | Type of calculation to use to evaluate if a rule has been satisfied.
**Allowable Values:**
`PER_TRANSACTION` |
| rules\[].**multiplier**
decimal
Conditionally returned | The reward multiplier to apply the transaction, where '1' means 1x transaction amount.
**Allowable Values:**
Any integer |
| rules\[].**amount**
decimal
Conditionally returned | The static amount to reward if the rule conditions are met.
**Allowable Values:**
Any integer |
| rules\[].**attributes**
object
Conditionally returned | Additional properties for which the rule can be used to determine reward accrual eligibility for a transaction.
**Allowable Values:**
mcc: `1500`, `0001-1499` mid: `255` |
| rules\[].attributes.**mcc**
array of strings
Conditionally returned | List of merchant category codes (MCCs). MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen.
**Allowable Values:**
`1500`, `0001-1499` |
| rules\[].attributes.**mid**
string
Conditionally returned | Merchant ID for the rule.
**Allowable Values:**
"255" |
| rules\[].attributes.**min\_spend**
decimal
Conditionally returned | Minimum spend amount.
**Allowable Values:**
100 |
| rules\[].attributes.**max\_spend**
decimal
Conditionally returned | Maximum spend amount.
**Allowable Values:**
150 |
| rules\[].attributes.**spend\_total**
decimal
Conditionally returned | Total spend amount.
**Allowable Values:**
100 |
| rules\[].attributes.**spend\_days**
integer
Conditionally returned | Maximum number of days since account creation within which the minimum spend requirements must be met to qualify for the reward (used for signup bonus rules).
Positive integer values are allowed, with a minimum value of `1`.
**Allowable Values:**
1 min |
| conversions
array of objects
Conditionally returned | List of one or more reward conversions.
**Allowable Values:**
Valid array of one or more `conversion` objects |
| conversions\[].**type**
string
Returned | Type of conversion.
**Allowable Values:**
`STATEMENT_CREDIT` |
| conversions\[].**conversion\_rate**
decimal
Returned | The rate that points are worth with converting the REDEMPTION\_TYPE indicated.
**Allowable Values:**
0.001 min
Format: 0.000 |
| conversions\[].**conversion\_increment**
integer
Returned | The static amount to reward if the rule conditions are met.
**Allowable Values:**
Any integer |
| conversions\[].**currency**
string
Conditionally returned | Type of currency used with the conversion rate.
**Allowable Values:**
Currency code, such as EUR or USD. |
| exclusions
object
Conditionally returned | Defines what merchant category codes (MCCs) are excluded from earning rewards. MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen.
**Allowable Values:**
`1500`, `0001-1499` |
| exclusions.**use\_default\_exclusions**
boolean
Conditionally returned | Indicates whether to use the default exclusion list.
- If `true`, the default exclusion list is used.
- If `false`, the custom exclusion list is used, if custom exclusions are included.
**Allowable Values:**
`true`, `false` |
| exclusions.**custom\_exclusions**
array of strings
Conditionally returned | List of merchant category codes (MCCs). MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen.
**Allowable Values:**
`1500`, `0001-1499` |
| created\_time
datetime
Conditionally returned | Date and time when the reward policy was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| updated\_time
datetime
Conditionally returned | Date and time when the reward policy was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
Sample response body
```json JSON expandable lines wrap theme={null}
{
"token": "my_reward_policy_token_1234",
"name": "Gold Reward Policy",
"description": "A gold reward policy",
"settlement_strategy": "STATEMENT",
"accrual_strategy": "DEFAULT",
"rounding_strategy": "ROUND_HALF_EVEN",
"rules": [
{
"description": "Earn 3x on selected categories.",
"type": "MULTIPLIER_PER_TRANSACTION",
"calculation_type": "PER_TRANSACTION",
"multiplier": 3,
"amount": null,
"attributes": {
"mcc": [
"0001-1499",
"1500"
]
}
}
],
"conversions": [
{
"type": "STATEMENT_CREDIT",
"conversion_rate": 0.001,
"conversion_increment": 10,
"currency": "USD"
}
],
"exclusions": {
"use_default_exclusions": false,
"custom_exclusions": [
"2000-2999",
"4321"
]
},
"created_time": "2025-04-01T23:41:58.802Z",
"updated_time": "2025-04-05T16:04:48.643Z"
}
```