Schedule a pilot

Create a lending program

POST/api/v1/credit/programs

Stand up a partner lending program. The program carries the parameter envelope, the policy positions, statement branding, and the card-issuing configuration, so onboarding a second partner is a row rather than a build.

Operation ID: create_program_api_v1_credit_programs_post·View as markdown·OpenAPI slice

Authentication

Bearer token authentication. Pass your DayZero API token in the Authorization header and the target business UUID in x-business-id.

Request body

Schema: CreditProgramCreateRequest

slugstringrequired

Stable partner key, e.g. "tie".

display_namestringrequired
statusProgramStatusEnumProgramStatusEnum
limit_min_centsinteger
limit_max_centsinteger
allowed_term_daysarray · integer

Selectable payback terms. Defaults to [30, 60, 90].

default_rate_bpsinteger
default_disbursement_fee_bpsinteger
max_float_daysinteger
statement_balance_modestring

One of: cumulative, cycle_scoped

allocation_scopestring

One of: per_cycle, across_line

cycle_boundary_basisstring

One of: issuer_clearing_date, merchant_local, utc

cycle_close_rulestring

One of: calendar_month_end, anchor_day, operational_trigger

cycle_anchor_dayinteger
excess_credit_dispositionstring

One of: carry_forward, refund_merchant

late_termsobject

Late fee / late interest rule body. Leave null while undecided — the late path raises rather than guessing a rate (§2.3).

early_payoff_termsobject

interest_rebate (pro_rata | fully_earned) and fee_rebate (none | pro_rata). Null while undecided (§2.5).

underwriting_criteriaarray · object

Partner-owned rule set: key, label, threshold, comparator, source. Null while undecided (§2.7).

legal_lending_entitystring
statement_brandingobject
event_delivery_modeEventDeliveryModeEventDeliveryMode
issuing_enabledboolean
ramp_spend_program_idstring
allowed_mcc_codesarray · string
blocked_mcc_codesarray · string

Responses

201Successful Response

Schema: SuccessEnvelope_CreditProgramResponse_

successboolean
messagestring
codestring
dataCreditProgramResponse

400Bad Request - Invalid input

401Unauthorized - Authentication required

403Forbidden - Insufficient permissions

422Validation Error

Schema: HTTPValidationError

detailarray · ValidationErrorValidationError
5 fields
locarray · string | integerrequired
msgstringrequired
typestringrequired
inputobject
ctxobject