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
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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
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| Fields | Description |
|---|---|
account_token
string
|
Unique identifier of the credit account for which you want to retrieve delinquency state details. Send a Allowable Values: Existing account token |
Response body
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| Fields | Description |
|---|---|
account_token
string
|
Unique identifier of the credit account. Allowable Values: Existing credit account token |
is_delinquent
boolean
|
A value of Allowable Values:
|
date_account_delinquent
datetime
|
Date and time when the account last fell delinquent on the Marqeta platform, in UTC. If Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ |
date_account_current
datetime
|
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 Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ |
total_days_past_due
integer
|
Total number of days that the account is past due. Allowable Values: Any integer |
total_past_due
decimal
|
Total amount that is past due. Allowable Values: Format: 0.00 |
current_due
decimal
|
Amount that is due for the current billing cycle. Allowable Values: Format: 0.00 |
total_due
decimal
|
Total amount that is due for the current billing cycle; the sum of Allowable Values: Format: 0.00 |
buckets
array of objects
|
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[].bucket_number
integer
|
Delinquency bucket number in the returned array.
Delinquency buckets are returned from most recent to least; the most recent delinquency bucket is Allowable Values: Any integer |
buckets[].payment_due_date
datetime
|
Date that the payment was due for this delinquency bucket. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ |
buckets[].past_due_carried_forward
decimal
|
Amount that is past due and carried forward from previous delinquency buckets. Allowable Values: Format: 0.00 |
buckets[].current_due
decimal
|
Current amount that is due for this delinquency bucket. Allowable Values: Format: 0.00 |
buckets[].total_due
decimal
|
Total amount that is due for this delinquency bucket; the sum of Allowable Values: Format: 0.00 |
buckets[].days_past_due
integer
|
Total number of days that the payment is past due for this delinquency bucket. Allowable Values: Any integer |
List delinquency transitions
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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
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| Fields | Description |
|---|---|
account_token
string
|
Unique identifier of the credit account whose delinquency transitions you want to retrieve. Send a Allowable Values: |
URL query parameters
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| Fields | Description |
|---|---|
count
integer
|
The number of resources to retrieve. Allowable Values: 1 min |
start_index
integer
|
Sort order index of the first resource in the returned array. Allowable Values: 0 min |
sort_by
string
|
Field on which to sort.
Prefix the field name with a hyphen ( NOTE:
You must sort using system field names such as Allowable Values:
|
Response body
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| Fields | Description |
|---|---|
count
integer
|
Number of resources returned. Allowable Values: 1-10 |
start_index
integer
|
Sort order index of the first resource in the returned array. Allowable Values: Any integer |
end_index
integer
|
Sort order index of the last resource in the returned array. Allowable Values: Any integer |
is_more
boolean
|
A value of Allowable Values:
|
data
array of objects
|
List of delinquency transitions. Allowable Values: Valid array of one or more delinquency transitions |
data[].token
string
|
Unique identifier of the delinquency transition. Allowable Values: Existing delinquency transition token |
data[].account_token
string
|
Unique identifier of the credit account. Allowable Values: Existing credit account token |
data[].is_invalidated
boolean
|
A value of 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, This field is temporary and to be deprecated when out-of-order processing is addressed in a future release. Allowable Values:
|
data[].original_status
string
|
Original delinquency status prior to transition. Allowable Values:
|
data[].status
string
|
Current delinquency status after transition. Allowable Values:
|
data[].impact_time
datetime
|
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
|
Date and time when the delinquency transition was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ |
Retrieve delinquency transition
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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
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| Fields | Description |
|---|---|
account_token
string
|
Unique identifier of the credit account whose delinquency transition you want to retrieve. Send a Allowable Values: Existing account token |
delinquency_transition_token
string
|
Unique identifier of the delinquency transition. Allowable Values: Existing delinquency transition token |
Response body
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| Fields | Description |
|---|---|
token
string
|
Unique identifier of the delinquency transition. Allowable Values: Existing delinquency transition token |
account_token
string
|
Unique identifier of the credit account. Allowable Values: Existing credit account token |
is_invalidated
boolean
|
A value of 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, This field is temporary and to be deprecated when out-of-order processing is addressed in a future release. Allowable Values:
|
original_status
string
|
Original delinquency status prior to transition. Allowable Values:
|
status
string
|
Current delinquency status after transition. Allowable Values:
|
impact_time
datetime
|
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
|
Date and time when the delinquency transition was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ |