Create Loan From Transactions

post

https://lending-{corename}.{env}.gpsrv.com/lending/1.0/createLoanFromTransactions

Use the Create Loan From Transactions endpoint to create a loan from multiple transactions. Buy Now, Pay Later: Post-purchase enables cardholders with the ability to turn eligible, settled transactions on credit and debit cards into an installment plan or loan. Loan subproducts configured for your installment loans product and are assigned a subproduct ID.

Status codes

See Global Response Statuses for status codes that are common across endpoints.

The table below lists status codes that apply to this specific endpoint.

Status code	Description
1219-01	The subProductId is invalid or does not exist.
1219-02	Loan cannot be created since the customer profile is incomplete
1219-03	The PRN is invalid
1219-04	The number of settlement keys cannot exceed 5
1219-05	The number of settlement keys cannot be 0
1219-06	The loan term is greater than the maximum configured
1219-07	The loan term is less than the minimum configured
1219-08	The loan term entered must be between 0 and 9999
1219-09	One or more settlement keys are invalid
1219-10	The total loan term is more than the maximum allowable limit, please validate the capital term or loan term values.
1219-11	The total loan term is less than the minimum allowable limit, please validate the capital term or loan term values.
1219-12	The loan APR cannot exceed 36%.
1219-13	At least one of the settlement keys has already been used to create another loan
1219-14	One or more settlement keys have an invalid format
1219-15	Disbursement destination PRN cannot be used along with disbursement destination type as EXTERNAL

Form Data

apiLogin

string

required

Defaults to AbC123-9999

Provider's web service username, as provided by Galileo for the requesting IP address.
Pattern: Max 50 characters
Example: "AbC123-9999"

apiTransKey

string

required

Defaults to 4sb62fh6w4h7w34g

Web service password, as provided by Galileo for the requesting IP address.
Pattern: Max 15 characters
Example: "4sb62fh6w4h7w34g"

providerId

int32

required

Defaults to 9999

Galileo-issued unique provider identifier.
Pattern: Max 10 digits
Example: 9999

transactionId

string

required

length between 1 and 60

Defaults to 984513-395483653-4483483478

A provider-generated ID that is unique to each API call. A UUID is preferred. Do not reuse this identifier for multiple API calls.
Pattern: Max 60 characters
Example: "984513-395483653-4483483478"

providerTransactionId

string

An optional provider-generated ID for the API request.
Pattern: Max 60 characters
Example: "47823438032233777"

providerTimestamp

string

An optional provider-generated timestamp for the API request.
Pattern: Max 60 characters
Example: "2017-05-01 13:01:01"

loanTerm

int32

required

Defaults to 4

Number of installments to pay off the loan.
Pattern: Min 1 characters and max 9 characters.
Example: 4.

customerPmtRefNo

string

required

Defaults to 074103447228

PRN for the customer’s primary account. Galileo uses the PRN to retrieve customer information, like business name, date of birth, SSN, address, etc. When the loan is created, the loan_id will be associated with this PRN.
Pattern: PRN
Example: "074103447228".

settlementKeys

string

required

Defaults to ["123456:VIS","123457:VIS"]

The settlement IDs and association for each transaction the customer selected. Maximum of 5 transactions.
Pattern: settle_id + association.
Example: "["123456:VIS", "123457:VIS"].

firstInstallmentDueDate

date

Due date of the first installment has to be between the 1st and 28th of the month. This field does not apply to bi-weekly subproducts.

capitalTerm

int32

required

Defaults to 2

Length of time between payments, in units specified by the subproduct. For example, if you specify “2” and the loan subproduct is set to weeks then installments will be due every two weeks.
Pattern: Max 9 digits.
Example: 2.

loanApplicationData

string

When using the loan simulation, you have the option to pass in comma-separated data from the user's application to store with the simulation for downstream analysis. If a loan is created, this associates the user’s application to the simulation and then to the loan.

subProductId

string

required

length between 1 and 15

Defaults to 442824720

Identifier for the loan subproduct.
Pattern: Max 15 characters.
Example: "442824720".

Headers

response-content-type

string

enum

Defaults to json

Use xml or json to specify the type of response. The default value is xml. Use this instead of the standard accept header.

Allowed:

string

enum

Defaults to application/json

Generated from available response content types

Allowed:

Response

Language

URL

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Response

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application/json

application/xml

Status codes

200Success