Decline (Full Application Decline)

Learn about the decline customer journey. A full application decline is when a customer is delined post passing eligibility checks and a hard search is applied to their bureau file.

createApplication

The applicant can enter their personal information into an application form and the request is sent, creating the application.

post

/v2/applications

verifyEmailAddress

Check the applicant’s email address exists, if this is false, it is still possible to continue with the acquisition journey.

post

/customers/supported-formats/email-address

verifyPhoneNumber

Check the applicant’s email address exists, if this is false, it is still possible to continue with the acquisition journey.

post

/customers/supported-formats/phone-number

checkEligibility

Complete a soft check on the applicant's eligibility once they have created an application. The response returned will define the next step in the customer journey, for this journey the possible states and substates are defined below.

post

/v2/applications/{id}/eligibility

updateApplicantInfo

Let the customer provide the additional information to complete a hard credit check.

patch

/v2/applications/{id}

requestDecision

Perform a hard check on the applicant’s credit history using the application identifier. The response returned will define the next step in the customer journey, for this journey the possible states and substates are defined below.

post

/v2/applications/{id}/decision

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}