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10 minute read
February 23, 2023

Delinquency

Use the delinquency endpoints to retrieve details on a credit account’s delinquency state and transitions.

An account’s delinquency state reflects whether an account is delinquent and past due on its payments or current and up to date on its payments.

To receive webhook notifications when an account transitions between delinquent and current, see Credit account delinquency transition events in Event Types.

Retrieve delinquency state

Action: GET
Endpoint: /credit/accounts/{account_token}/delinquencystate

Retrieve details on the current delinquency state of a credit account.

An account is delinquent when it is past due on payments and current when it is up to date on payments.

URL path parameters

Fields Description

account_token

string
Required

Unique identifier of the credit account for which you want to retrieve delinquency state details.

Send a GET request to /credit/accounts to retrieve existing credit account tokens.

Allowable Values:

Existing account token

Response body

Fields Description

account_token

string
Returned

Unique identifier of the credit account.

Allowable Values:

Existing credit account token

is_delinquent

boolean
Returned

A value of true indicates that the account is currently delinquent.

Allowable Values:

true, false

date_account_delinquent

datetime
Conditionally returned

Date and time when the account last fell delinquent on the Marqeta platform, in UTC.

If is_delinquent is false, a null value is returned.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ

date_account_current

datetime
Conditionally returned

Date and time when the account was last made current on the Marqeta platform, in UTC.

If the account was never delinquent, this field returns the date and time the account was created on the Marqeta platform, in UTC.

If is_delinquent is true, a null value is returned.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ

total_days_past_due

integer
Returned

Total number of days that the account is past due.

Allowable Values:

Any integer

total_past_due

decimal
Returned

Total amount that is past due.

Allowable Values:

Format: 0.00

current_due

decimal
Returned

Amount that is due for the current billing cycle.

Allowable Values:

Format: 0.00

total_due

decimal
Returned

Total amount that is due for the current billing cycle; the sum of total_past_due_amount and current_due_amount.

Allowable Values:

Format: 0.00

buckets

array of objects
Conditionally returned

One or more delinquency buckets for an account. Each delinquency bucket represents a billing cycle during which the account was delinquent.

Allowable Values:

One or more buckets objects

buckets[].bucket_number

integer
Returned

Delinquency bucket number in the returned array. Delinquency buckets are returned from most recent to least; the most recent delinquency bucket is 1.

Allowable Values:

Any integer

buckets[].payment_due_date

datetime
Returned

Date that the payment was due for this delinquency bucket.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ

buckets[].past_due_carried_forward

decimal
Returned

Amount that is past due and carried forward from previous delinquency buckets.

Allowable Values:

Format: 0.00

buckets[].current_due

decimal
Returned

Current amount that is due for this delinquency bucket.

Allowable Values:

Format: 0.00

buckets[].total_due

decimal
Returned

Total amount that is due for this delinquency bucket; the sum of past_due_carried_forward and current_due.

Allowable Values:

Format: 0.00

buckets[].days_past_due

integer
Returned

Total number of days that the payment is past due for this delinquency bucket.

Allowable Values:

Any integer

Sample response body

The following code block shows details of a delinquent account.

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The following code block shows details of a current account.

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List delinquency transitions

Action: GET
Endpoint: /credit/accounts/{account_token}/delinquencystate/transitions

Retrieve an array of delinquency transitions for a credit account.

A delinquency transition occurs when an account transitions between delinquent and current. An account becomes delinquent when it falls behind on payments and becomes current when payments are made up to date.

URL path parameters

Fields Description

account_token

string
Required

Unique identifier of the credit account whose delinquency transitions you want to retrieve.

Send a GET request to /credit/accounts to retrieve existing credit account tokens.

Allowable Values:

URL query parameters

Fields Description

count

integer
Optional

The number of resources to retrieve.

Allowable Values:

1 min

start_index

integer
Optional

Sort order index of the first resource in the returned array.

Allowable Values:

0 min

sort_by

string
Optional

Field on which to sort. Prefix the field name with a hyphen (-) to sort in descending order. Omit the hyphen to sort in ascending order.

NOTE: You must sort using system field names such as impactTime, and not by the field names appearing in response bodies such as impact_time.

Allowable Values:

impactTime, -impactTime

Response body

Fields Description

count

integer
Returned

Number of resources returned.

Allowable Values:

1-10

start_index

integer
Returned

Sort order index of the first resource in the returned array.

Allowable Values:

Any integer

end_index

integer
Returned

Sort order index of the last resource in the returned array.

Allowable Values:

Any integer

is_more

boolean
Returned

A value of true indicates that more unreturned resources exist.

Allowable Values:

true, false

data

array of objects
Returned

List of delinquency transitions.

Allowable Values:

Valid array of one or more delinquency transitions

data[].token

string
Returned

Unique identifier of the delinquency transition.

Allowable Values:

Existing delinquency transition token

data[].account_token

string
Returned

Unique identifier of the credit account.

Allowable Values:

Existing credit account token

data[].is_invalidated

boolean
Returned

A value of true indicates that the system invalidated the delinquency transition.

This is a temporary field that allows Marqeta to handle occasional cases of out-of-order processing. This can occur when two delinquency transition webhooks are sent near-simultaneously.

For example, if a credit and a payment that bring an account current are made around the same time, two delinquency transitions are sent very close together. In these cases, one of the transitions is rolled back and invalidated. For the transition that is rolled back, is_invalidated is true and the transition should be ignored.

This field is temporary and to be deprecated when out-of-order processing is addressed in a future release.

Allowable Values:

true, false

data[].original_status

string
Returned

Original delinquency status prior to transition.

Allowable Values:

CURRENT, DELINQUENT

data[].status

string
Returned

Current delinquency status after transition.

Allowable Values:

CURRENT, DELINQUENT

data[].impact_time

datetime
Returned

Date and time when the event that caused the transition impacted the account, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ

data[].created_time

datetime
Returned

Date and time when the delinquency transition was created on Marqeta’s credit platform, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

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Retrieve delinquency transition

Action: GET
Endpoint: /credit/accounts/{account_token}/delinquencystate/transitions/{delinquency_transition_token}

Retrieve a specific delinquency transition for a credit account.

A delinquency transition occurs when an account transitions between delinquent and current. An account becomes delinquent when it falls behind on payments and becomes current when payments are made up to date.

URL path parameters

Fields Description

account_token

string
Required

Unique identifier of the credit account whose delinquency transition you want to retrieve.

Send a GET request to /credit/accounts to retrieve existing credit account tokens.

Allowable Values:

Existing account token

delinquency_transition_token

string
Required

Unique identifier of the delinquency transition.

Allowable Values:

Existing delinquency transition token

Response body

Fields Description

token

string
Returned

Unique identifier of the delinquency transition.

Allowable Values:

Existing delinquency transition token

account_token

string
Returned

Unique identifier of the credit account.

Allowable Values:

Existing credit account token

is_invalidated

boolean
Returned

A value of true indicates that the system invalidated the delinquency transition.

This is a temporary field that allows Marqeta to handle occasional cases of out-of-order processing. This can occur when two delinquency transition webhooks are sent near-simultaneously.

For example, if a credit and a payment that bring an account current are made around the same time, two delinquency transitions are sent very close together. In these cases, one of the transitions is rolled back and invalidated. For the transition that is rolled back, is_invalidated is true and the transition should be ignored.

This field is temporary and to be deprecated when out-of-order processing is addressed in a future release.

Allowable Values:

true, false

original_status

string
Returned

Original delinquency status prior to transition.

Allowable Values:

CURRENT, DELINQUENT

status

string
Returned

Current delinquency status after transition.

Allowable Values:

CURRENT, DELINQUENT

impact_time

datetime
Returned

Date and time when the event that caused the transition impacted the account, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ

created_time

datetime
Returned

Date and time when the delinquency transition was created on Marqeta’s credit platform, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

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