Generates an anonymous credit line installment plan for a specific amount, allowing potential customers to receive an initial offer before applying for a credit line.
- Link an account snapshot to a consumer credit line application
Splitpay (1.0)
https://docs.solarisgroup.com/_mock/api-reference/lending/splitpay/
Anonymous installment plans params
The requested credit line amount for which the installment plan is created.
The loan type, which defines your product category.
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/splitpay/v1/anonymous_credit_line_installment_plans
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
{ "loan_type": "installment_plan", "interest_rate": 0.11, "bullet_loan_repayment_date": "2022-02-22", "amount": { "currency": "EUR", "unit": "cents", "value": 1 } }
Anonymous Installment Plans
The number of months over which the installment loan will be repaid.
The monthly installment amount the customer has to pay.
The currency of the given value. Only EURO is currently supported.
The total amount of the installment loan (principal + interest) the customer must repay.
The currency of the given value. Only EURO is currently supported.
The interest rate to apply to the installment loan. Optional field only if there's a specific interest rate that should apply to the loan.
{ "installment_plans": [ { … } ] }
Request
Creates a consumer credit line application and assigns it to the person with the person_id
included in the request URL. The payload of this endpoint includes all the required financial information and account data about the applicant, which the credit scorer uses to initiate a series of credit checks. See the Consumer Splitpay guide for the list of mandatory properties.
The application attributes
The requested credit line amount.
The day of the month when the customer repays the monthly installment.
The IBAN of the customer's account to use for the account snapshot.
The amount of the private insurance the customer pays monthly.
Field to indicate whether the customer is already pre-selected based on your internal scoring flow.
Field to enter your internal reference number for the customer.
The number of persons depending on the customer's income, e.g., family members.
The customer's monthly net income after deducting taxes.
Field to indicate whether the customer has moved and changed addresses in the last two years.
The customer's marital status.
The amount of the customer's living expenses, e.g., rent, mortgage, etc.
The customer's living situation.
The unique ID of a customer's identification resource.
The amount of existing credit repayment the customer pays, excluding mortgage.
The date when the customer began their current employment.
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/splitpay/v1/persons/{person_id}/credit_line_applications
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
{ "requested_credit_limit": { "currency": "EUR", "unit": "cents", "value": 1000 }, "repayment_day_of_month": 1, "recipient_iban": "DE92370601930002130041", "private_insurance_amount": { "currency": "EUR", "unit": "cents", "value": 1000 }, "pre_selected_by_partner": false, "partner_score": "string", "partner_reference_number": "AGHD02130041", "number_of_dependents": 2, "net_income_amount": { "currency": "EUR", "unit": "cents", "value": 1000 }, "moved_in_last_two_years": false, "marriage_status": "MARRIED", "living_situation_amount": { "currency": "EUR", "unit": "cents", "value": 1000 }, "living_situation": "LIVING_IN_RENTED_HOUSE", "identification_id": "9dfe2f4edaa67138be0c0c1cd3a7d849cidt", "existing_credit_repayment_excluding_mortgage": { "currency": "EUR", "unit": "cents", "value": 1000 }, "employment_since": "2019-11-01", "credit_record_id": "fbb7d15fa4c54ba0b077592665ef04a4ccrd" }
Application
The unique ID of a consumer credit line application.
Solaris' decision on the credit line application.
The status of a consumer credit line application.
The person ID of the customer applying for the credit line.
The ID of the signing resource, created after the customer's identification and e-signing process has been triggered.
An object containing certain actions required for the scoring process.
The IBAN of the customer's account to use for the account snapshot.
The offered credit line limit.
The offered interest rate to apply to the credit line.
The net disposable income available to the customer after deducting all taxes.
The customer's marital status.
The unique ID of a customer's identification resource.
The customer's employment status.
{ "status_description": "string", "status": "account_snapshot_pending", "signing_id": "7c63600ddddec4f2668893af39c1b814csig", "scoring_workflow": { "required_actions": [ … ] }, "recipient_iban": "DE92370601930002130041", "reason": "string", "person_id": "dc1a6812a14f6cc338cd084208535bcdcper", "partner_reference_number": "ABHP244919", "offered_limit": { "currency": "EUR", "unit": "cents", "value": 1000 }, "offered_interest_rate": 2.5, "net_disposable_income": { "currency": "EUR", "unit": "cents", "value": 1000 }, "marriage_status": "UNMARRIED", "identification_id": "9e2e85c62230a652325964282c84559fcidt", "id": "35eee37033c5436f9cbff6df1f88e097ccla", "employment_status": "EMPLOYED", "decision": "OFFERED", "credit_line_id": "1908331fb8384edcbfe63067366c4b6accln" }
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/splitpay/v1/persons/{person_id}/credit_line_applications/{application_id}
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
No request payload
Application
The unique ID of a consumer credit line application.
Solaris' decision on the credit line application.
The status of a consumer credit line application.
The person ID of the customer applying for the credit line.
The ID of the signing resource, created after the customer's identification and e-signing process has been triggered.
An object containing certain actions required for the scoring process.
The IBAN of the customer's account to use for the account snapshot.
The offered credit line limit.
The offered interest rate to apply to the credit line.
The net disposable income available to the customer after deducting all taxes.
The customer's marital status.
The unique ID of a customer's identification resource.
The customer's employment status.
{ "status_description": "string", "status": "account_snapshot_pending", "signing_id": "7c63600ddddec4f2668893af39c1b814csig", "scoring_workflow": { "required_actions": [ … ] }, "recipient_iban": "DE92370601930002130041", "reason": "string", "person_id": "dc1a6812a14f6cc338cd084208535bcdcper", "partner_reference_number": "ABHP244919", "offered_limit": { "currency": "EUR", "unit": "cents", "value": 1000 }, "offered_interest_rate": 2.5, "net_disposable_income": { "currency": "EUR", "unit": "cents", "value": 1000 }, "marriage_status": "UNMARRIED", "identification_id": "9e2e85c62230a652325964282c84559fcidt", "id": "35eee37033c5436f9cbff6df1f88e097ccla", "employment_status": "EMPLOYED", "decision": "OFFERED", "credit_line_id": "1908331fb8384edcbfe63067366c4b6accln" }
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/splitpay/v1/persons/credit_line_applications
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
No request payload
ConsumerCreditLineWeb.ListCreditLineApplicationsResponse
The unique ID of a consumer credit line application.
The person ID of the customer applying for the credit line.
The status of a consumer credit line application.
The timestamp from when the credit line was created.
The limit of the credit line.
The unique ID of a credit line, generated after a credit line is created.
[ { "status": "credit_line_created", "person_id": "dc1a6812a14f6cc338cd084208535bcdcper", "limit": { … }, "id": "35eee37033c5436f9cbff6df1f88e097ccla", "credit_line_id": "1908331fb8384edcbfe63067366c4b6accln", "created_at": "2022-02-07T11:57:42" } ]
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/splitpay/v1/persons/{person_id}/credit_line_applications/{application_id}/credit_record
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
{ "credit_record_id": "fbb7d15fa4c54ba0b077592665ef04a4ccrd" }
Request
Links a customer account snapshot to their existing credit line application. You must add the account_snapshot_id
in the request body.
The credit scorer uses the account snapshot for the final verification check to verify the financial information shared about the customer. After the final verification is completed, the credit scorer gives the final decision on the credit line application.
Account Snapshot link
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/splitpay/v1/persons/{person_id}/credit_line_applications/{application_id}/account_snapshot
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
{ "account_snapshot_id": "6c8f81a234df4052a9cde197577347b7snap" }
Request
Links a customer identification resource to their credit line application. You must add the identification_id in the request body. To retrieve the identification ID, call the GET Retrieve consumer credit line application. It should be included in the payload as soon as the identification has been created for the customer.
The identification id to attach to the application.
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/splitpay/v1/persons/{person_id}/credit_line_applications/{application_id}/identification
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
{ "identification_id": "9e2e85c62230a652325964282c84559fcidt" }
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/splitpay/v1/persons/{person_id}/credit_line_applications/{application_id}/pre_contract
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
No request payload
No content
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/splitpay/v1/persons/{person_id}/credit_line_applications/{application_id}/contract
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
No request payload
No content
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/splitpay/v1/persons/{person_id}/credit_lines/{credit_line_id}/renewal/customer_notified
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
{ "notification_sent_date": "2022-02-25" }
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/splitpay/v1/persons/{person_id}/credit_lines/{credit_line_id}/renewal/cancel
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
No request payload