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e2e

Decline (Quote Decline)

Learn about our end-to-end decline customer onboarding journey. A quote decline is when a customer is declined at the quote stage, a soft search is been applied to their bureau file but their credit score will not be affected. Our eKYC verification processes can be layered into this journey as required for PSD2 compliance.

1

createApplication

The applicant enters their personal information into a blank application form and the request is sent, creating the application.

post
/v2/applications
See API reference
2

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 verifyPhoneNumber, verifyEmailAddress and checkEligibility steps happen in parallel.

3

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 verifyPhoneNumber, verifyEmailAddress and checkEligibility steps happen in parallel.

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 verifyPhoneNumber, verifyEmailAddress and checkEligibility steps happen in parallel.

5

Quote has been declined

The customer has been declined at the quote stage, a soft search has been applied to their bureau file but their credit score will not be affected.

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}