e2e

Decline (Full Application Decline)

Learn about our end-to-end decline customer onboarding journey. A full application decline is when a customer is declined post passing eligibility checks and a hard search is applied to their bureau file. Our eKYC verification processes can be layered into this journey as required for PSD2 compliance.

1

createApplication

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.

post
/v2/applications
See API reference
2

verifyEmailAddress

Check the applicant’s email address exists, if this is false, it is still possible to continue with the acquisition journey.
Please note that steps 2, 3, and 4 happen all together

3

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

4

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 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

5

SSO Widget - Create credentials

Create log-in credentials to save and return your application journey, repeat spend and set up your e-servicing account.

6

updateApplicantInfo

Let the customer provide additional information or update their information.

7

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.

8

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.

9

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.

10

Full Application Decline

The customer has been declined at the full application stage after passing eligibility checks and a hard search is applied to their bureau file.

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}