API Reseller
Credit Card Apply API
Card application submission across an issuer panel with eligibility pre-checked, and tracking through to approval and despatch.
What you get
- Eligibility check across the issuer panel
- One application submitted to multiple issuers
- Status tracking to approval and card despatch
- Document upload against an application
- Approval webhooks
The contract
- Auth
- Issued credentials per key pair, over TLS. Signed requests where the rail requires it.
- Flow
- Submit an application, receive issuer decisions asynchronously.
- Decision
- The issuer decides. We pass the outcome through without interpretation.
- Webhook
- Signed, with replay protection. Retried until your endpoint returns 2xx.
- Environments
- Sandbox mirrors production semantics, including failures.
FAQ
About credit card apply api
Do you influence the issuer's decision?
No. The application is passed to the issuer and the outcome comes back unchanged. We do not pre-screen, score or filter applications, so a decline is the issuer's and is appealed with them.
Can one applicant be submitted to several issuers?
Yes, each as its own application with its own decision. Be aware that each submission is a separate enquiry against the applicant's credit file, so submitting broadly has a cost to the customer.