Accept (Carded)
Learn about our end-to-end PSD2-compliant carded customer journey. In this journey, the penny drop step is configurable and can be placed at different stages or made optional if instant spend is not required.
createApplication
The applicant enters their personal information into a blank application form and the request is sent, creating the application.
verifyEmailAddress
Check whether the applicant’s email address exists. If this is false, it is still possible to continue with the acquisition journey. This step requires a third-party integration.
Please note that steps 2, 3, and 4 happen all together
verifyPhoneNumber
Check whether the applicant’s phone number exists. If this is false, it is still possible to continue with the acquisition journey. This step requires a third-party integration.
Please note that steps 2, 3, and 4 happen all together
checkEligibility
Once the applicant has created an application, complete a soft check on their eligibility. The response will define the next step in the customer journey. For this journey, the state is defined below. Information is passed at this point to your credit decision engine.
Please note that steps 2, 3, and 4 happen all together
SSO Widget - Create credentials
Create log-in credentials to save and return your application journey, repeat spend and set up your e-servicing account.
updateApplicantInfo
Let the customer provide additional information or update their information.
ApplicationOtpInitiate
Send a One-time Passcode (OTP) to the application mobile phone number.
ApplicationOtpValidate
Verify the code provided by the applicant to the code sent to the phone number.
ApplicationPennyDropInitiate
Match the applicant's details to the applicant’s bank account using a third-party integration. If it matches, 1p will be sent to the customer with a code as the reference. This step is required for instant spending but can be made optional for customers who are happy to wait for card arrival and activation. This step can be placed at any time in the journey after checkElibigility and before requestDecision.
ApplicationPennyDropValidate
Verify the code provided by the applicant to the code sent to the bank account. This step is required for instant spend and can be made optional for customers who are happy to wait for card arrival and activation. This step can be placed at any time in the journey after checkElibigility and before requestDecision.
renderDocument
Retrieve and display an applicant’s Important Customer Information, Pre-contract Credit Information, and the Credit Agreement in HTML or PDF. This endpoint is called once per document that is retrieved.
signature
An applicant will tick their e-signature and submitting this will confirm they have accepted the terms of their agreement. The response returned will define the next step in the customer journey, for this journey, the state is defined below.
requestDecision
Perform a hard check on the applicant’s credit history and use the returned information in your credit decision engine. For this journey, the state is defined below.
createCustomer
Onboard the applicant as a customer and complete the credit acquisition process. For this journey, the state is defined below.
Request Example
Request
1curl --request POST \
2 --url https://dapi.stg-newdaytechnology.net/acquisition/v2/applications \
3 --header 'Device-Endpoint: SOME_STRING_VALUE' \
4 --header 'Device-Type: SOME_STRING_VALUE' \
5 --header 'Merchant-Id: SOME_STRING_VALUE' \
6 --header 'Session-Id: SOME_STRING_VALUE' \
7 --header 'content-type: application/json' \
8 --data '{"productId":"string","customerRef":"string","brand":"string","merchantId":"string","externalRef":"string","title":"mr","firstName":"string","middleNames":"string","lastName":"string","dateOfBirth":"2019-08-24T14:15:22Z","email":"strings","mobile":"string","homePhone":"string","currentAddress":{"flatNumber":"string","houseName":"string","houseNumber":"string","street":"string","district":"string","town":"string","postcode":"string","county":"string","country":"string","movedIn":"2019-08-24T14:15:22Z","timeAtAddress":"string"},"previousAddressOverseas":true,"previousAddress":{"flatNumber":"string","houseName":"string","houseNumber":"string","street":"string","district":"string","town":"string","postcode":"string","county":"string","country":"string","movedIn":"2019-08-24T14:15:22Z","timeAtAddress":"string"},"grossAnnualIncome":0.1,"otherHouseholdIncome":0.1,"accommodationCosts":0.1,"expenditureDependants":0.1,"expenditureEducationCost":0.1,"expenditureUtilitiesCost":0.1,"expenditureOtherCost":0.1,"financialSituation":"decline","dependants":7,"employmentStatus":"fullTime","employmentStartDate":"2019-08-24T14:15:22Z","employerName":"string","residentialStatus":"ownerOccupier","maritalStatus":"married","statementPreference":"eStatements","marketingConsent":{"email":true,"post":true,"sms":true,"phone":true,"online":true},"basketAmount":0.1,"basketRef":"string","loanAmount":0.1,"loanTerm":0,"dcmScore":9999,"marketingRef":"stringstringstringst","verificationId":"stringstri","applicantReferralId":"string","openBankingUserId":"stringstri","source":"other","channel":"Aggregators","kycEvidences":[{"type":"mobilePhoneOtp","status":"authenticated","creationDate":"2019-08-24T14:15:22Z"}],"assistedTransferData":{"flag":"1","urn":"string","primaryRecordIdentifier":"string","accountOpenDate":"2019-08-24T14:15:22Z","customerNameChanged":true,"customerConsentSubmitted":true,"customerDateOfBirthChanged":true,"customerAddressChanged":true,"physicalIdCheckCompleted":true,"physicalIdCheckDateCompleted":"2019-08-24T14:15:22Z","alternativeOtpCompleted":true,"pennyDropSkipped":true,"balanceTransferRequested":true,"consentCreditFraudChecks":true,"instoreCustomerApplicationConsent":true,"accessibilityRequirements":"braille","existingCreditLimit":0.1,"entryMethod":"openDoor","thirdPartyBusinessUnits":[{"businessUnit":"string","timeStamp":"2019-08-24T14:15:22Z"}],"longTermBTOffer":"0"},"employeeId":"string","storeId":"string","cashWithdrawalRequired":true,"cashWithdrawalAmount":0.1,"moneyTransferAmount":0.1,"balanceTransferRequired":true,"balanceTransferAmount":0.1,"chosenPaymentDayOfMonth":1,"checkoutIndicator":true,"nationalityDetails":{"nationality":"str","ukArrivalDate":"string","visaStatus":"string","visaExpiryDate":"string"},"merchantInformation":{"shippingAddress":{"title":"mr","firstName":"string","middleNames":"string","lastName":"string","address1":"string","address2":"string","town":"string","postcode":"string","county":"string","country":"string"}},"creditLimitIncreasePreference":"automatic","occupation":"string"}'Response Example
Response
JSON
1{
2 "id": "497f6eca-6276-4993-bfeb-53cbbbba6f08",
3 "customerRef": "string",
4 "modifiedDate": "2019-08-24T14:15:22Z"
5}