Overview
You can send the eSignature of the applicant that explicitly confirms they're accepting all terms and conditions of the product New Day will be providing them.
When you send a request to the sign endpoint with the applicant's esignature, it implies consent of the applicant to conform with NewDay's credit guidelines.
Adding an eSignature
post
/customers/{id}
id
. In the endpoint response, you may receive any of the following responses:- 1
appComplete
The application is complete. One of the following substates will be returned:
-instantSpend
The applicant's credit application has been signed. After the applicant has been boarded they will have access to Instant Spend.
-refer
The applicant’s credit application is complete but needs to be reviewed by NewDay Underwriting Team.
-referInstantSpend
The applicant's credit application is complete but needs to be reviewed by NewDay Underwriting Team.
-docReceived
A document has been submitted for review by an underwriter.
- If no substate is returned the applicant's credit application has been signed.The following snippet explains a successful eligibility check:Next steps: Continue to customers.
Javascript
1200 OK 2 Content-Type: application/json 3 4 { 5 "state": "appComplete", 6 "subState": "instantSpend", 7 "apr": ..., 8 "customerRef": ... 9 }
Although the credit application procedure is complete, applicant is not yet onboarded as a NewDay customer at this stage.
- 2
appCancelled
The application is cancelled either because it is a duplicate request or the applicant has called the service desk to cancel the application. - If no substeate is returned, the underwriter has cancelled the application - normally due to duplicate application or request of the applicant.This is the end of the applicants journey.
- 3
docRequired
The applicant is required to provide some more documents, one of the following substates will be returned:
-declVulnCust
The applicant has triggered the Vulnerable Customer Credit policy.
-proofAddr
The applicant is required to provide documents for Proof of Address.
-proofId
The applicant is required to provide documents for Proof of Identity.
-proofIdAddr
The applicant is required to provide documents for Proof of Identity and Address.NewDay will email applicant with next steps. Tip: Display acknowledgement page with decision pending message.