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160 minute read
September 1, 2022

Policies (Beta)

Note
This feature is currently in limited-availability beta and subject to change. To learn more about the beta program for this feature, contact your Marqeta Customer Service representative.

The Marqeta credit platform’s policies feature enables you to customize the configurations of policies for documents (such as disclosures), credit products, fees, APRs, and rewards. You can choose the specific policies to add to a bundle that contain the exact configurations needed to launch a new credit program or help manage an existing one. The configurations of each policy in a bundle determine the characteristics and attributes of the bundle’s associated credit accounts, reward programs, disclosures, and more. For more on how to create a bundle, see Bundles.

Important

To create and manage policies, you must use the Marqeta Dashboard. For more on policies in the dashboard, see Managing Credit Programs in the Marqeta Dashboard.

 

The following endpoints are displayed for reference purposes only.

Create document policy

Action: POST
Endpoint: /credit/policies/documents

Create a new document policy, which consists of all the pre- and post-application disclosures and credit program documents known as assets and templates. Assets contain finalized values after a bundle is created; templates do not contain finalized values.

Request body
Fields Description

token

string
Optional

Unique identifier of the document policy.

Allowable Values:

36 char max

name

string
Required

Name of the document policy.

Allowable Values:

255 char max

summary_of_credit_terms

object
Required

Contains information on the Summary of Credit Terms (SOCT), which is a pre- and post-application disclosure that outlines the terms of an account, such as the interest rates, interest charges, associated fees, and more.

Allowable Values:

Existing summary_of_credit_terms object

summary_of_credit_terms.asset_token

string
Required

Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the SOCT or Rewards Disclosure

summary_of_credit_terms.template_token

string
Required

Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. The values are finalized in the asset version of the document.

Allowable Values:

Existing template token for the SOCT or Rewards Disclosure

rewards_disclosure

object
Optional

Contains information on the Rewards Disclosure, which is a pre- and post-application disclosure that provides details about the rewards program for a bundle.

Allowable Values:

Existing rewards_disclosure object

rewards_disclosure.asset_token

string
Required

Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the SOCT or Rewards Disclosure

rewards_disclosure.template_token

string
Required

Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. The values are finalized in the asset version of the document.

Allowable Values:

Existing template token for the SOCT or Rewards Disclosure

terms_schedule

object
Required

Contains information on the Terms Schedule, which is a post-application disclosure that contains the terms of credit for an account, including the interest rate details.

Allowable Values:

Existing terms_schedule object

terms_schedule.template_token

string
Required

Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.

Allowable Values:

Existing template token for the Terms Schedule, Account Statement, or NOAA

benefits_disclosure_traditional

object
Required

Contains information on the Benefits Disclosure (Traditional), which is a post-application disclosure that outlines the network benefits of a traditional Mastercard or Visa card.

Allowable Values:

Existing benefits_disclosure_traditional object

benefits_disclosure_traditional.asset_token

string
Required

Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement

benefits_disclosure_premium

object
Required

Contains information on the Benefits Disclosure (Premium), which is a post-application disclosure that outlines the network benefits of a Mastercard World or Visa Signature card.

Allowable Values:

Existing benefits_disclosure_premium object

benefits_disclosure_premium.asset_token

string
Required

Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement

privacy_policy

object
Required

Contains information on the Privacy Policy, which is a pre-application disclosure that explains how an applicant’s data is used and managed.

Allowable Values:

Existing privacy_policy object

privacy_policy.asset_token

string
Required

Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement

e_disclosure

object
Required

Contains information on the eDisclosure, which is a pre-application disclosure that states that users are to receive their disclosures electronically.

Allowable Values:

Existing e_disclosure object

e_disclosure.asset_token

string
Required

Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement

card_member_agreement

object
Required

Contains information on the Card Member Agreement, which is a post-application disclosure that specifies the terms and conditions of an account, including the interest rates, interest charges, fees, minimum payment calculations, and more.

Allowable Values:

Existing card_member_agreement object

card_member_agreement.asset_token

string
Required

Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement

account_statement

object
Required

Contains information on the Account Statement, which outlines the information that appears on the statements generated for a credit account.

Allowable Values:

Existing account_statement object

account_statement.template_token

string
Required

Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.

Allowable Values:

Existing template token for the Terms Schedule, Account Statement, or NOAA

noaa_single_reason

object
Required

Contains information on the Notice of Adverse Action (NOAA) used when an application is declined for single reason.

Allowable Values:

Existing noaa_single_reason object

noaa_single_reason.template_token

string
Required

Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.

Allowable Values:

Existing template token for the Terms Schedule, Account Statement, or NOAA

noaa_single_reason_with_dodd_frank

object
Required

Contains information on the NOAA used when an application is declined for single reason related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application.

Allowable Values:

Existing noaa_single_reason_with_dodd_frank object

noaa_single_reason_with_dodd_frank.template_token

string
Required

Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.

Allowable Values:

Existing template token for the Terms Schedule, Account Statement, or NOAA

noaa_multiple_reason_with_dodd_frank

object
Required

Contains information on the NOAA used when an application is declined for multiple reasons related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application.

Allowable Values:

Existing noaa_multiple_reason_with_dodd_frank object

noaa_multiple_reason_with_dodd_frank.template_token

string
Required

Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.

Allowable Values:

Existing template token for the Terms Schedule, Account Statement, or NOAA

Sample request body
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Response body
Fields Description

token

string
Conditionally returned

Unique identifier of the document policy.

Allowable Values:

36 char max

name

string
Conditionally returned

Name of the document policy.

Allowable Values:

255 char max

summary_of_credit_terms

object
Conditionally returned

Contains information on the Summary of Credit Terms (SOCT), which is a pre- and post-application disclosure that outlines the terms of an account, such as the interest rates, interest charges, associated fees, and more.

Allowable Values:

Existing summary_of_credit_terms object

summary_of_credit_terms.asset_token

string
Conditionally returned

Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the SOCT or Rewards Disclosure

summary_of_credit_terms.asset_urls

object
Conditionally returned

Contains one or more URLs for an asset.

Allowable Values:

One or more asset_urls objects

summary_of_credit_terms.asset_urls.pdf

string
Returned

URL to the PDF version of the asset.

Allowable Values:

A valid URL

summary_of_credit_terms.asset_urls.png

string
Returned

URL to the PNG version of the asset.

Allowable Values:

A valid URL

summary_of_credit_terms.asset_urls.html

string
Returned

URL to the HTML version of the asset.

Allowable Values:

A valid URL

summary_of_credit_terms.template_token

string
Conditionally returned

Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document.

Allowable Values:

Existing template token for the SOCT or Rewards Disclosure

summary_of_credit_terms.template_urls

object
Conditionally returned

Contains one or more URLs for a template.

Allowable Values:

One or more template_urls objects

summary_of_credit_terms.template_urls.html

string
Returned

URL to the HTML version of the document template.

Allowable Values:

A valid URL

rewards_disclosure

object
Conditionally returned

Contains information on the Rewards Disclosure, which is a pre- and post-application disclosure that provides details about the rewards program for a bundle.

Allowable Values:

Existing rewards_disclosure object

rewards_disclosure.asset_token

string
Conditionally returned

Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the SOCT or Rewards Disclosure

rewards_disclosure.asset_urls

object
Conditionally returned

Contains one or more URLs for an asset.

Allowable Values:

One or more asset_urls objects

rewards_disclosure.asset_urls.pdf

string
Returned

URL to the PDF version of the asset.

Allowable Values:

A valid URL

rewards_disclosure.asset_urls.png

string
Returned

URL to the PNG version of the asset.

Allowable Values:

A valid URL

rewards_disclosure.asset_urls.html

string
Returned

URL to the HTML version of the asset.

Allowable Values:

A valid URL

rewards_disclosure.template_token

string
Conditionally returned

Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document.

Allowable Values:

Existing template token for the SOCT or Rewards Disclosure

rewards_disclosure.template_urls

object
Conditionally returned

Contains one or more URLs for a template.

Allowable Values:

One or more template_urls objects

rewards_disclosure.template_urls.html

string
Returned

URL to the HTML version of the document template.

Allowable Values:

A valid URL

terms_schedule

object
Conditionally returned

Contains information on the Terms Schedule, which is a post-application disclosure that contains the terms of credit for an account, including the interest rate details.

Allowable Values:

Existing terms_schedule object

terms_schedule.template_token

string
Conditionally returned

Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.

Allowable Values:

Existing template token for the Terms Schedule, Account Statement, or NOAA

terms_schedule.template_urls

object
Conditionally returned

Contains one or more URLs for a template.

Allowable Values:

One or more template_urls objects

terms_schedule.template_urls.html

string
Returned

URL to the HTML version of the document template.

Allowable Values:

A valid URL

benefits_disclosure_traditional

object
Conditionally returned

Contains information on the Benefits Disclosure (Traditional), which is a post-application disclosure that outlines the network benefits of a traditional Mastercard or Visa card.

Allowable Values:

Existing benefits_disclosure_traditional object

benefits_disclosure_traditional.asset_token

string
Conditionally returned

Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement

benefits_disclosure_traditional.asset_urls

object
Conditionally returned

Contains one or more URLs for an asset.

Allowable Values:

One or more asset_urls objects

benefits_disclosure_traditional.asset_urls.pdf

string
Returned

URL to the PDF version of the asset.

Allowable Values:

A valid URL

benefits_disclosure_traditional.asset_urls.png

string
Returned

URL to the PNG version of the asset.

Allowable Values:

A valid URL

benefits_disclosure_traditional.asset_urls.html

string
Returned

URL to the HTML version of the asset.

Allowable Values:

A valid URL

benefits_disclosure_premium

object
Conditionally returned

Contains information on the Benefits Disclosure (Premium), which is a post-application disclosure that outlines the network benefits of a Mastercard World or Visa Signature card.

Allowable Values:

Existing benefits_disclosure_premium object

benefits_disclosure_premium.asset_token

string
Conditionally returned

Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement

benefits_disclosure_premium.asset_urls

object
Conditionally returned

Contains one or more URLs for an asset.

Allowable Values:

One or more asset_urls objects

benefits_disclosure_premium.asset_urls.pdf

string
Returned

URL to the PDF version of the asset.

Allowable Values:

A valid URL

benefits_disclosure_premium.asset_urls.png

string
Returned

URL to the PNG version of the asset.

Allowable Values:

A valid URL

benefits_disclosure_premium.asset_urls.html

string
Returned

URL to the HTML version of the asset.

Allowable Values:

A valid URL

privacy_policy

object
Conditionally returned

Contains information on the Privacy Policy, which is a pre-application disclosure that explains how an applicant’s data is used and managed.

Allowable Values:

Existing privacy_policy object

privacy_policy.asset_token

string
Conditionally returned

Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement

privacy_policy.asset_urls

object
Conditionally returned

Contains one or more URLs for an asset.

Allowable Values:

One or more asset_urls objects

privacy_policy.asset_urls.pdf

string
Returned

URL to the PDF version of the asset.

Allowable Values:

A valid URL

privacy_policy.asset_urls.png

string
Returned

URL to the PNG version of the asset.

Allowable Values:

A valid URL

privacy_policy.asset_urls.html

string
Returned

URL to the HTML version of the asset.

Allowable Values:

A valid URL

e_disclosure

object
Conditionally returned

Contains information on the eDisclosure, which is a pre-application disclosure that states that users are to receive their disclosures electronically.

Allowable Values:

Existing e_disclosure object

e_disclosure.asset_token

string
Conditionally returned

Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement

e_disclosure.asset_urls

object
Conditionally returned

Contains one or more URLs for an asset.

Allowable Values:

One or more asset_urls objects

e_disclosure.asset_urls.pdf

string
Returned

URL to the PDF version of the asset.

Allowable Values:

A valid URL

e_disclosure.asset_urls.png

string
Returned

URL to the PNG version of the asset.

Allowable Values:

A valid URL

e_disclosure.asset_urls.html

string
Returned

URL to the HTML version of the asset.

Allowable Values:

A valid URL

card_member_agreement

object
Conditionally returned

Contains information on the Card Member Agreement, which is a post-application disclosure that specifies the terms and conditions of an account, including the interest rates, interest charges, fees, minimum payment calculations, and more.

Allowable Values:

Existing card_member_agreement object

card_member_agreement.asset_token

string
Conditionally returned

Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement

card_member_agreement.asset_urls

object
Conditionally returned

Contains one or more URLs for an asset.

Allowable Values:

One or more asset_urls objects

card_member_agreement.asset_urls.pdf

string
Returned

URL to the PDF version of the asset.

Allowable Values:

A valid URL

card_member_agreement.asset_urls.png

string
Returned

URL to the PNG version of the asset.

Allowable Values:

A valid URL

card_member_agreement.asset_urls.html

string
Returned

URL to the HTML version of the asset.

Allowable Values:

A valid URL

account_statement

object
Conditionally returned

Contains information on the Account Statement, which outlines the information that appears on the statements generated for a credit account.

Allowable Values:

Existing account_statement object

account_statement.template_token

string
Conditionally returned

Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.

Allowable Values:

Existing template token for the Terms Schedule, Account Statement, or NOAA

account_statement.template_urls

object
Conditionally returned

Contains one or more URLs for a template.

Allowable Values:

One or more template_urls objects

account_statement.template_urls.html

string
Returned

URL to the HTML version of the document template.

Allowable Values:

A valid URL

noaa_single_reason

object
Conditionally returned

Contains information on the Notice of Adverse Action (NOAA) used when an application is declined for single reason.

Allowable Values:

Existing noaa_single_reason object

noaa_single_reason.template_token

string
Conditionally returned

Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.

Allowable Values:

Existing template token for the Terms Schedule, Account Statement, or NOAA

noaa_single_reason.template_urls

object
Conditionally returned

Contains one or more URLs for a template.

Allowable Values:

One or more template_urls objects

noaa_single_reason.template_urls.html

string
Returned

URL to the HTML version of the document template.

Allowable Values:

A valid URL

noaa_single_reason_with_dodd_frank

object
Conditionally returned

Contains information on the NOAA used when an application is declined for single reason related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application.

Allowable Values:

Existing noaa_single_reason_with_dodd_frank object

noaa_single_reason_with_dodd_frank.template_token

string
Conditionally returned

Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.

Allowable Values:

Existing template token for the Terms Schedule, Account Statement, or NOAA

noaa_single_reason_with_dodd_frank.template_urls

object
Conditionally returned

Contains one or more URLs for a template.

Allowable Values:

One or more template_urls objects

noaa_single_reason_with_dodd_frank.template_urls.html

string
Returned

URL to the HTML version of the document template.

Allowable Values:

A valid URL

noaa_multiple_reason_with_dodd_frank

object
Conditionally returned

Contains information on the NOAA used when an application is declined for multiple reasons related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application.

Allowable Values:

Existing noaa_multiple_reason_with_dodd_frank object

noaa_multiple_reason_with_dodd_frank.template_token

string
Conditionally returned

Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.

Allowable Values:

Existing template token for the Terms Schedule, Account Statement, or NOAA

noaa_multiple_reason_with_dodd_frank.template_urls

object
Conditionally returned

Contains one or more URLs for a template.

Allowable Values:

One or more template_urls objects

noaa_multiple_reason_with_dodd_frank.template_urls.html

string
Returned

URL to the HTML version of the document template.

Allowable Values:

A valid URL

created_time

datetime
Conditionally returned

Date and time when the document policy was created on Marqeta’s credit platform.

Allowable Values:

Format: yyyy-MM-dd’T’HH:mm:ss.Z

updated_time

datetime
Conditionally returned

Date and time when the document policy was last updated on Marqeta’s credit platform.

Allowable Values:

Format: yyyy-MM-dd’T’HH:mm:ss.Z

Sample response body
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List document policies

Action: GET
Endpoint: /credit/policies/documents

Retrieve an array of existing document policies. A document policy consists of all the pre- and post-application disclosures and credit program documents known as assets and templates. Assets contain finalized values after a bundle is created; templates do not contain finalized values.

This endpoint supports sorting and pagination.

URL query parameters
Fields Description

count

integer
Optional

The number of resources to retrieve.

Allowable Values:

1–100

start_index

integer
Optional

The 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 lastModifiedTime, and not by the field names appearing in response bodies such as last_modified_time.

Allowable Values:

lastModifiedTime, -lastModifiedTime

Response body
Fields Description

count

integer
Returned

The number of resources returned.

Allowable Values:

Any integer

start_index

integer
Returned

The sort order index of the first resource in the returned array.

Allowable Values:

Any integer

end_index

integer
Returned

The 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

One or more document policies.

Allowable Values:

One or more document policy objects

data[].token

string
Conditionally returned

Unique identifier of the document policy.

Allowable Values:

36 char max

data[].name

string
Conditionally returned

Name of the document policy.

Allowable Values:

255 char max

data[].summary_of_credit_terms

object
Conditionally returned

Contains information on the Summary of Credit Terms (SOCT), which is a pre- and post-application disclosure that outlines the terms of an account, such as the interest rates, interest charges, associated fees, and more.

Allowable Values:

Existing summary_of_credit_terms object

data[].summary_of_credit_terms.asset_token

string
Conditionally returned

Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the SOCT or Rewards Disclosure

data[].summary_of_credit_terms.asset_urls

object
Conditionally returned

Contains one or more URLs for an asset.

Allowable Values:

One or more asset_urls objects

data[].summary_of_credit_terms.asset_urls.pdf

string
Returned

URL to the PDF version of the asset.

Allowable Values:

A valid URL

data[].summary_of_credit_terms.asset_urls.png

string
Returned

URL to the PNG version of the asset.

Allowable Values:

A valid URL

data[].summary_of_credit_terms.asset_urls.html

string
Returned

URL to the HTML version of the asset.

Allowable Values:

A valid URL

data[].summary_of_credit_terms.template_token

string
Conditionally returned

Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document.

Allowable Values:

Existing template token for the SOCT or Rewards Disclosure

data[].summary_of_credit_terms.template_urls

object
Conditionally returned

Contains one or more URLs for a template.

Allowable Values:

One or more template_urls objects

data[].summary_of_credit_terms.template_urls.html

string
Returned

URL to the HTML version of the document template.

Allowable Values:

A valid URL

data[].rewards_disclosure

object
Conditionally returned

Contains information on the Rewards Disclosure, which is a pre- and post-application disclosure that provides details about the rewards program for a bundle.

Allowable Values:

Existing rewards_disclosure object

data[].rewards_disclosure.asset_token

string
Conditionally returned

Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the SOCT or Rewards Disclosure

data[].rewards_disclosure.asset_urls

object
Conditionally returned

Contains one or more URLs for an asset.

Allowable Values:

One or more asset_urls objects

data[].rewards_disclosure.asset_urls.pdf

string
Returned

URL to the PDF version of the asset.

Allowable Values:

A valid URL

data[].rewards_disclosure.asset_urls.png

string
Returned

URL to the PNG version of the asset.

Allowable Values:

A valid URL

data[].rewards_disclosure.asset_urls.html

string
Returned

URL to the HTML version of the asset.

Allowable Values:

A valid URL

data[].rewards_disclosure.template_token

string
Conditionally returned

Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document.

Allowable Values:

Existing template token for the SOCT or Rewards Disclosure

data[].rewards_disclosure.template_urls

object
Conditionally returned

Contains one or more URLs for a template.

Allowable Values:

One or more template_urls objects

data[].rewards_disclosure.template_urls.html

string
Returned

URL to the HTML version of the document template.

Allowable Values:

A valid URL

data[].terms_schedule

object
Conditionally returned

Contains information on the Terms Schedule, which is a post-application disclosure that contains the terms of credit for an account, including the interest rate details.

Allowable Values:

Existing terms_schedule object

data[].terms_schedule.template_token

string
Conditionally returned

Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.

Allowable Values:

Existing template token for the Terms Schedule, Account Statement, or NOAA

data[].terms_schedule.template_urls

object
Conditionally returned

Contains one or more URLs for a template.

Allowable Values:

One or more template_urls objects

data[].terms_schedule.template_urls.html

string
Returned

URL to the HTML version of the document template.

Allowable Values:

A valid URL

data[].benefits_disclosure_traditional

object
Conditionally returned

Contains information on the Benefits Disclosure (Traditional), which is a post-application disclosure that outlines the network benefits of a traditional Mastercard or Visa card.

Allowable Values:

Existing benefits_disclosure_traditional object

data[].benefits_disclosure_traditional.asset_token

string
Conditionally returned

Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement

data[].benefits_disclosure_traditional.asset_urls

object
Conditionally returned

Contains one or more URLs for an asset.

Allowable Values:

One or more asset_urls objects

data[].benefits_disclosure_traditional.asset_urls.pdf

string
Returned

URL to the PDF version of the asset.

Allowable Values:

A valid URL

data[].benefits_disclosure_traditional.asset_urls.png

string
Returned

URL to the PNG version of the asset.

Allowable Values:

A valid URL

data[].benefits_disclosure_traditional.asset_urls.html

string
Returned

URL to the HTML version of the asset.

Allowable Values:

A valid URL

data[].benefits_disclosure_premium

object
Conditionally returned

Contains information on the Benefits Disclosure (Premium), which is a post-application disclosure that outlines the network benefits of a Mastercard World or Visa Signature card.

Allowable Values:

Existing benefits_disclosure_premium object

data[].benefits_disclosure_premium.asset_token

string
Conditionally returned

Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement

data[].benefits_disclosure_premium.asset_urls

object
Conditionally returned

Contains one or more URLs for an asset.

Allowable Values:

One or more asset_urls objects

data[].benefits_disclosure_premium.asset_urls.pdf

string
Returned

URL to the PDF version of the asset.

Allowable Values:

A valid URL

data[].benefits_disclosure_premium.asset_urls.png

string
Returned

URL to the PNG version of the asset.

Allowable Values:

A valid URL

data[].benefits_disclosure_premium.asset_urls.html

string
Returned

URL to the HTML version of the asset.

Allowable Values:

A valid URL

data[].privacy_policy

object
Conditionally returned

Contains information on the Privacy Policy, which is a pre-application disclosure that explains how an applicant’s data is used and managed.

Allowable Values:

Existing privacy_policy object

data[].privacy_policy.asset_token

string
Conditionally returned

Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement

data[].privacy_policy.asset_urls

object
Conditionally returned

Contains one or more URLs for an asset.

Allowable Values:

One or more asset_urls objects

data[].privacy_policy.asset_urls.pdf

string
Returned

URL to the PDF version of the asset.

Allowable Values:

A valid URL

data[].privacy_policy.asset_urls.png

string
Returned

URL to the PNG version of the asset.

Allowable Values:

A valid URL

data[].privacy_policy.asset_urls.html

string
Returned

URL to the HTML version of the asset.

Allowable Values:

A valid URL

data[].e_disclosure

object
Conditionally returned

Contains information on the eDisclosure, which is a pre-application disclosure that states that users are to receive their disclosures electronically.

Allowable Values:

Existing e_disclosure object

data[].e_disclosure.asset_token

string
Conditionally returned

Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement

data[].e_disclosure.asset_urls

object
Conditionally returned

Contains one or more URLs for an asset.

Allowable Values:

One or more asset_urls objects

data[].e_disclosure.asset_urls.pdf

string
Returned

URL to the PDF version of the asset.

Allowable Values:

A valid URL

data[].e_disclosure.asset_urls.png

string
Returned

URL to the PNG version of the asset.

Allowable Values:

A valid URL

data[].e_disclosure.asset_urls.html

string
Returned

URL to the HTML version of the asset.

Allowable Values:

A valid URL

data[].card_member_agreement

object
Conditionally returned

Contains information on the Card Member Agreement, which is a post-application disclosure that specifies the terms and conditions of an account, including the interest rates, interest charges, fees, minimum payment calculations, and more.

Allowable Values:

Existing card_member_agreement object

data[].card_member_agreement.asset_token

string
Conditionally returned

Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement

data[].card_member_agreement.asset_urls

object
Conditionally returned

Contains one or more URLs for an asset.

Allowable Values:

One or more asset_urls objects

data[].card_member_agreement.asset_urls.pdf

string
Returned

URL to the PDF version of the asset.

Allowable Values:

A valid URL

data[].card_member_agreement.asset_urls.png

string
Returned

URL to the PNG version of the asset.

Allowable Values:

A valid URL

data[].card_member_agreement.asset_urls.html

string
Returned

URL to the HTML version of the asset.

Allowable Values:

A valid URL

data[].account_statement

object
Conditionally returned

Contains information on the Account Statement, which outlines the information that appears on the statements generated for a credit account.

Allowable Values:

Existing account_statement object

data[].account_statement.template_token

string
Conditionally returned

Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.

Allowable Values:

Existing template token for the Terms Schedule, Account Statement, or NOAA

data[].account_statement.template_urls

object
Conditionally returned

Contains one or more URLs for a template.

Allowable Values:

One or more template_urls objects

data[].account_statement.template_urls.html

string
Returned

URL to the HTML version of the document template.

Allowable Values:

A valid URL

data[].noaa_single_reason

object
Conditionally returned

Contains information on the Notice of Adverse Action (NOAA) used when an application is declined for single reason.

Allowable Values:

Existing noaa_single_reason object

data[].noaa_single_reason.template_token

string
Conditionally returned

Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.

Allowable Values:

Existing template token for the Terms Schedule, Account Statement, or NOAA

data[].noaa_single_reason.template_urls

object
Conditionally returned

Contains one or more URLs for a template.

Allowable Values:

One or more template_urls objects

data[].noaa_single_reason.template_urls.html

string
Returned

URL to the HTML version of the document template.

Allowable Values:

A valid URL

data[].noaa_single_reason_with_dodd_frank

object
Conditionally returned

Contains information on the NOAA used when an application is declined for single reason related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application.

Allowable Values:

Existing noaa_single_reason_with_dodd_frank object

data[].noaa_single_reason_with_dodd_frank.template_token

string
Conditionally returned

Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.

Allowable Values:

Existing template token for the Terms Schedule, Account Statement, or NOAA

data[].noaa_single_reason_with_dodd_frank.template_urls

object
Conditionally returned

Contains one or more URLs for a template.

Allowable Values:

One or more template_urls objects

data[].noaa_single_reason_with_dodd_frank.template_urls.html

string
Returned

URL to the HTML version of the document template.

Allowable Values:

A valid URL

data[].noaa_multiple_reason_with_dodd_frank

object
Conditionally returned

Contains information on the NOAA used when an application is declined for multiple reasons related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application.

Allowable Values:

Existing noaa_multiple_reason_with_dodd_frank object

data[].noaa_multiple_reason_with_dodd_frank.template_token

string
Conditionally returned

Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.

Allowable Values:

Existing template token for the Terms Schedule, Account Statement, or NOAA

data[].noaa_multiple_reason_with_dodd_frank.template_urls

object
Conditionally returned

Contains one or more URLs for a template.

Allowable Values:

One or more template_urls objects

data[].noaa_multiple_reason_with_dodd_frank.template_urls.html

string
Returned

URL to the HTML version of the document template.

Allowable Values:

A valid URL

data[].created_time

datetime
Conditionally returned

Date and time when the document policy was created on Marqeta’s credit platform.

Allowable Values:

Format: yyyy-MM-dd’T’HH:mm:ss.Z

data[].updated_time

datetime
Conditionally returned

Date and time when the document policy was last updated on Marqeta’s credit platform.

Allowable Values:

Format: yyyy-MM-dd’T’HH:mm:ss.Z

Sample response body
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Retrieve document policy

Action: GET
Endpoint: /credit/policies/documents/{token}

Retrieve a specific document policy, which consists of all the pre- and post-application disclosures and credit program documents known as assets and templates. Assets contain finalized values after a bundle is created; templates do not contain finalized values.

URL path parameters
Fields Description

token

string
Required

The unique identifier of the document policy to retrieve.

Send a GET request to /policies/documents to retrieve existing document policy tokens.

Allowable Values:

Existing document policy token

Response body
Fields Description

token

string
Conditionally returned

Unique identifier of the document policy.

Allowable Values:

36 char max

name

string
Conditionally returned

Name of the document policy.

Allowable Values:

255 char max

summary_of_credit_terms

object
Conditionally returned

Contains information on the Summary of Credit Terms (SOCT), which is a pre- and post-application disclosure that outlines the terms of an account, such as the interest rates, interest charges, associated fees, and more.

Allowable Values:

Existing summary_of_credit_terms object

summary_of_credit_terms.asset_token

string
Conditionally returned

Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the SOCT or Rewards Disclosure

summary_of_credit_terms.asset_urls

object
Conditionally returned

Contains one or more URLs for an asset.

Allowable Values:

One or more asset_urls objects

summary_of_credit_terms.asset_urls.pdf

string
Returned

URL to the PDF version of the asset.

Allowable Values:

A valid URL

summary_of_credit_terms.asset_urls.png

string
Returned

URL to the PNG version of the asset.

Allowable Values:

A valid URL

summary_of_credit_terms.asset_urls.html

string
Returned

URL to the HTML version of the asset.

Allowable Values:

A valid URL

summary_of_credit_terms.template_token

string
Conditionally returned

Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document.

Allowable Values:

Existing template token for the SOCT or Rewards Disclosure

summary_of_credit_terms.template_urls

object
Conditionally returned

Contains one or more URLs for a template.

Allowable Values:

One or more template_urls objects

summary_of_credit_terms.template_urls.html

string
Returned

URL to the HTML version of the document template.

Allowable Values:

A valid URL

rewards_disclosure

object
Conditionally returned

Contains information on the Rewards Disclosure, which is a pre- and post-application disclosure that provides details about the rewards program for a bundle.

Allowable Values:

Existing rewards_disclosure object

rewards_disclosure.asset_token

string
Conditionally returned

Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the SOCT or Rewards Disclosure

rewards_disclosure.asset_urls

object
Conditionally returned

Contains one or more URLs for an asset.

Allowable Values:

One or more asset_urls objects

rewards_disclosure.asset_urls.pdf

string
Returned

URL to the PDF version of the asset.

Allowable Values:

A valid URL

rewards_disclosure.asset_urls.png

string
Returned

URL to the PNG version of the asset.

Allowable Values:

A valid URL

rewards_disclosure.asset_urls.html

string
Returned

URL to the HTML version of the asset.

Allowable Values:

A valid URL

rewards_disclosure.template_token

string
Conditionally returned

Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document.

Allowable Values:

Existing template token for the SOCT or Rewards Disclosure

rewards_disclosure.template_urls

object
Conditionally returned

Contains one or more URLs for a template.

Allowable Values:

One or more template_urls objects

rewards_disclosure.template_urls.html

string
Returned

URL to the HTML version of the document template.

Allowable Values:

A valid URL

terms_schedule

object
Conditionally returned

Contains information on the Terms Schedule, which is a post-application disclosure that contains the terms of credit for an account, including the interest rate details.

Allowable Values:

Existing terms_schedule object

terms_schedule.template_token

string
Conditionally returned

Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.

Allowable Values:

Existing template token for the Terms Schedule, Account Statement, or NOAA

terms_schedule.template_urls

object
Conditionally returned

Contains one or more URLs for a template.

Allowable Values:

One or more template_urls objects

terms_schedule.template_urls.html

string
Returned

URL to the HTML version of the document template.

Allowable Values:

A valid URL

benefits_disclosure_traditional

object
Conditionally returned

Contains information on the Benefits Disclosure (Traditional), which is a post-application disclosure that outlines the network benefits of a traditional Mastercard or Visa card.

Allowable Values:

Existing benefits_disclosure_traditional object

benefits_disclosure_traditional.asset_token

string
Conditionally returned

Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement

benefits_disclosure_traditional.asset_urls

object
Conditionally returned

Contains one or more URLs for an asset.

Allowable Values:

One or more asset_urls objects

benefits_disclosure_traditional.asset_urls.pdf

string
Returned

URL to the PDF version of the asset.

Allowable Values:

A valid URL

benefits_disclosure_traditional.asset_urls.png

string
Returned

URL to the PNG version of the asset.

Allowable Values:

A valid URL

benefits_disclosure_traditional.asset_urls.html

string
Returned

URL to the HTML version of the asset.

Allowable Values:

A valid URL

benefits_disclosure_premium

object
Conditionally returned

Contains information on the Benefits Disclosure (Premium), which is a post-application disclosure that outlines the network benefits of a Mastercard World or Visa Signature card.

Allowable Values:

Existing benefits_disclosure_premium object

benefits_disclosure_premium.asset_token

string
Conditionally returned

Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement

benefits_disclosure_premium.asset_urls

object
Conditionally returned

Contains one or more URLs for an asset.

Allowable Values:

One or more asset_urls objects

benefits_disclosure_premium.asset_urls.pdf

string
Returned

URL to the PDF version of the asset.

Allowable Values:

A valid URL

benefits_disclosure_premium.asset_urls.png

string
Returned

URL to the PNG version of the asset.

Allowable Values:

A valid URL

benefits_disclosure_premium.asset_urls.html

string
Returned

URL to the HTML version of the asset.

Allowable Values:

A valid URL

privacy_policy

object
Conditionally returned

Contains information on the Privacy Policy, which is a pre-application disclosure that explains how an applicant’s data is used and managed.

Allowable Values:

Existing privacy_policy object

privacy_policy.asset_token

string
Conditionally returned

Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement

privacy_policy.asset_urls

object
Conditionally returned

Contains one or more URLs for an asset.

Allowable Values:

One or more asset_urls objects

privacy_policy.asset_urls.pdf

string
Returned

URL to the PDF version of the asset.

Allowable Values:

A valid URL

privacy_policy.asset_urls.png

string
Returned

URL to the PNG version of the asset.

Allowable Values:

A valid URL

privacy_policy.asset_urls.html

string
Returned

URL to the HTML version of the asset.

Allowable Values:

A valid URL

e_disclosure

object
Conditionally returned

Contains information on the eDisclosure, which is a pre-application disclosure that states that users are to receive their disclosures electronically.

Allowable Values:

Existing e_disclosure object

e_disclosure.asset_token

string
Conditionally returned

Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement

e_disclosure.asset_urls

object
Conditionally returned

Contains one or more URLs for an asset.

Allowable Values:

One or more asset_urls objects

e_disclosure.asset_urls.pdf

string
Returned

URL to the PDF version of the asset.

Allowable Values:

A valid URL

e_disclosure.asset_urls.png

string
Returned

URL to the PNG version of the asset.

Allowable Values:

A valid URL

e_disclosure.asset_urls.html

string
Returned

URL to the HTML version of the asset.

Allowable Values:

A valid URL

card_member_agreement

object
Conditionally returned

Contains information on the Card Member Agreement, which is a post-application disclosure that specifies the terms and conditions of an account, including the interest rates, interest charges, fees, minimum payment calculations, and more.

Allowable Values:

Existing card_member_agreement object

card_member_agreement.asset_token

string
Conditionally returned

Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement

card_member_agreement.asset_urls

object
Conditionally returned

Contains one or more URLs for an asset.

Allowable Values:

One or more asset_urls objects

card_member_agreement.asset_urls.pdf

string
Returned

URL to the PDF version of the asset.

Allowable Values:

A valid URL

card_member_agreement.asset_urls.png

string
Returned

URL to the PNG version of the asset.

Allowable Values:

A valid URL

card_member_agreement.asset_urls.html

string
Returned

URL to the HTML version of the asset.

Allowable Values:

A valid URL

account_statement

object
Conditionally returned

Contains information on the Account Statement, which outlines the information that appears on the statements generated for a credit account.

Allowable Values:

Existing account_statement object

account_statement.template_token

string
Conditionally returned

Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.

Allowable Values:

Existing template token for the Terms Schedule, Account Statement, or NOAA

account_statement.template_urls

object
Conditionally returned

Contains one or more URLs for a template.

Allowable Values:

One or more template_urls objects

account_statement.template_urls.html

string
Returned

URL to the HTML version of the document template.

Allowable Values:

A valid URL

noaa_single_reason

object
Conditionally returned

Contains information on the Notice of Adverse Action (NOAA) used when an application is declined for single reason.

Allowable Values:

Existing noaa_single_reason object

noaa_single_reason.template_token

string
Conditionally returned

Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.

Allowable Values:

Existing template token for the Terms Schedule, Account Statement, or NOAA

noaa_single_reason.template_urls

object
Conditionally returned

Contains one or more URLs for a template.

Allowable Values:

One or more template_urls objects

noaa_single_reason.template_urls.html

string
Returned

URL to the HTML version of the document template.

Allowable Values:

A valid URL

noaa_single_reason_with_dodd_frank

object
Conditionally returned

Contains information on the NOAA used when an application is declined for single reason related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application.

Allowable Values:

Existing noaa_single_reason_with_dodd_frank object

noaa_single_reason_with_dodd_frank.template_token

string
Conditionally returned

Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.

Allowable Values:

Existing template token for the Terms Schedule, Account Statement, or NOAA

noaa_single_reason_with_dodd_frank.template_urls

object
Conditionally returned

Contains one or more URLs for a template.

Allowable Values:

One or more template_urls objects

noaa_single_reason_with_dodd_frank.template_urls.html

string
Returned

URL to the HTML version of the document template.

Allowable Values:

A valid URL

noaa_multiple_reason_with_dodd_frank

object
Conditionally returned

Contains information on the NOAA used when an application is declined for multiple reasons related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application.

Allowable Values:

Existing noaa_multiple_reason_with_dodd_frank object

noaa_multiple_reason_with_dodd_frank.template_token

string
Conditionally returned

Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.

Allowable Values:

Existing template token for the Terms Schedule, Account Statement, or NOAA

noaa_multiple_reason_with_dodd_frank.template_urls

object
Conditionally returned

Contains one or more URLs for a template.

Allowable Values:

One or more template_urls objects

noaa_multiple_reason_with_dodd_frank.template_urls.html

string
Returned

URL to the HTML version of the document template.

Allowable Values:

A valid URL

created_time

datetime
Conditionally returned

Date and time when the document policy was created on Marqeta’s credit platform.

Allowable Values:

Format: yyyy-MM-dd’T’HH:mm:ss.Z

updated_time

datetime
Conditionally returned

Date and time when the document policy was last updated on Marqeta’s credit platform.

Allowable Values:

Format: yyyy-MM-dd’T’HH:mm:ss.Z

Sample response body
JSON
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Update document policy

Action: PUT
Endpoint: /credit/policies/documents/{token}

Update a specific document policy, which consists of all the pre- and post-application disclosures and credit program documents known as assets and templates. Assets contain finalized values after a bundle is created; templates do not contain finalized values.

URL path parameters
Fields Description

token

string
Required

The unique identifier of the document policy to update.

Send a GET request to /policies/documents to retrieve existing document policy tokens.

Allowable Values:

Existing document policy token

Request body
Fields Description

name

string
Required

Name of the document policy.

Allowable Values:

255 char max

summary_of_credit_terms

object
Required

Contains information on the Summary of Credit Terms (SOCT), which is a pre- and post-application disclosure that outlines the terms of an account, such as the interest rates, interest charges, associated fees, and more.

Allowable Values:

Existing summary_of_credit_terms object

summary_of_credit_terms.asset_token

string
Required

Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the SOCT or Rewards Disclosure

summary_of_credit_terms.template_token

string
Required

Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. The values are finalized in the asset version of the document.

Allowable Values:

Existing template token for the SOCT or Rewards Disclosure

rewards_disclosure

object
Optional

Contains information on the Rewards Disclosure, which is a pre- and post-application disclosure that provides details about the rewards program for a bundle.

Allowable Values:

Existing rewards_disclosure object

rewards_disclosure.asset_token

string
Required

Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the SOCT or Rewards Disclosure

rewards_disclosure.template_token

string
Required

Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. The values are finalized in the asset version of the document.

Allowable Values:

Existing template token for the SOCT or Rewards Disclosure

terms_schedule

object
Required

Contains information on the Terms Schedule, which is a post-application disclosure that contains the terms of credit for an account, including the interest rate details.

Allowable Values:

Existing terms_schedule object

terms_schedule.template_token

string
Required

Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.

Allowable Values:

Existing template token for the Terms Schedule, Account Statement, or NOAA

benefits_disclosure_traditional

object
Required

Contains information on the Benefits Disclosure (Traditional), which is a post-application disclosure that outlines the network benefits of a traditional Mastercard or Visa card.

Allowable Values:

Existing benefits_disclosure_traditional object

benefits_disclosure_traditional.asset_token

string
Required

Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement

benefits_disclosure_premium

object
Required

Contains information on the Benefits Disclosure (Premium), which is a post-application disclosure that outlines the network benefits of a Mastercard World or Visa Signature card.

Allowable Values:

Existing benefits_disclosure_premium object

benefits_disclosure_premium.asset_token

string
Required

Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement

privacy_policy

object
Required

Contains information on the Privacy Policy, which is a pre-application disclosure that explains how an applicant’s data is used and managed.

Allowable Values:

Existing privacy_policy object

privacy_policy.asset_token

string
Required

Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement

e_disclosure

object
Required

Contains information on the eDisclosure, which is a pre-application disclosure that states that users are to receive their disclosures electronically.

Allowable Values:

Existing e_disclosure object

e_disclosure.asset_token

string
Required

Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement

card_member_agreement

object
Required

Contains information on the Card Member Agreement, which is a post-application disclosure that specifies the terms and conditions of an account, including the interest rates, interest charges, fees, minimum payment calculations, and more.

Allowable Values:

Existing card_member_agreement object

card_member_agreement.asset_token

string
Required

Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement

account_statement

object
Required

Contains information on the Account Statement, which outlines the information that appears on the statements generated for a credit account.

Allowable Values:

Existing account_statement object

account_statement.template_token

string
Required

Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.

Allowable Values:

Existing template token for the Terms Schedule, Account Statement, or NOAA

noaa_single_reason

object
Required

Contains information on the Notice of Adverse Action (NOAA) used when an application is declined for single reason.

Allowable Values:

Existing noaa_single_reason object

noaa_single_reason.template_token

string
Required

Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.

Allowable Values:

Existing template token for the Terms Schedule, Account Statement, or NOAA

noaa_single_reason_with_dodd_frank

object
Required

Contains information on the NOAA used when an application is declined for single reason related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application.

Allowable Values:

Existing noaa_single_reason_with_dodd_frank object

noaa_single_reason_with_dodd_frank.template_token

string
Required

Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.

Allowable Values:

Existing template token for the Terms Schedule, Account Statement, or NOAA

noaa_multiple_reason_with_dodd_frank

object
Required

Contains information on the NOAA used when an application is declined for multiple reasons related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application.

Allowable Values:

Existing noaa_multiple_reason_with_dodd_frank object

noaa_multiple_reason_with_dodd_frank.template_token

string
Required

Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.

Allowable Values:

Existing template token for the Terms Schedule, Account Statement, or NOAA

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Response body
Fields Description

token

string
Conditionally returned

Unique identifier of the document policy.

Allowable Values:

36 char max

name

string
Conditionally returned

Name of the document policy.

Allowable Values:

255 char max

summary_of_credit_terms

object
Conditionally returned

Contains information on the Summary of Credit Terms (SOCT), which is a pre- and post-application disclosure that outlines the terms of an account, such as the interest rates, interest charges, associated fees, and more.

Allowable Values:

Existing summary_of_credit_terms object

summary_of_credit_terms.asset_token

string
Conditionally returned

Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the SOCT or Rewards Disclosure

summary_of_credit_terms.asset_urls

object
Conditionally returned

Contains one or more URLs for an asset.

Allowable Values:

One or more asset_urls objects

summary_of_credit_terms.asset_urls.pdf

string
Returned

URL to the PDF version of the asset.

Allowable Values:

A valid URL

summary_of_credit_terms.asset_urls.png

string
Returned

URL to the PNG version of the asset.

Allowable Values:

A valid URL

summary_of_credit_terms.asset_urls.html

string
Returned

URL to the HTML version of the asset.

Allowable Values:

A valid URL

summary_of_credit_terms.template_token

string
Conditionally returned

Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document.

Allowable Values:

Existing template token for the SOCT or Rewards Disclosure

summary_of_credit_terms.template_urls

object
Conditionally returned

Contains one or more URLs for a template.

Allowable Values:

One or more template_urls objects

summary_of_credit_terms.template_urls.html

string
Returned

URL to the HTML version of the document template.

Allowable Values:

A valid URL

rewards_disclosure

object
Conditionally returned

Contains information on the Rewards Disclosure, which is a pre- and post-application disclosure that provides details about the rewards program for a bundle.

Allowable Values:

Existing rewards_disclosure object

rewards_disclosure.asset_token

string
Conditionally returned

Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the SOCT or Rewards Disclosure

rewards_disclosure.asset_urls

object
Conditionally returned

Contains one or more URLs for an asset.

Allowable Values:

One or more asset_urls objects

rewards_disclosure.asset_urls.pdf

string
Returned

URL to the PDF version of the asset.

Allowable Values:

A valid URL

rewards_disclosure.asset_urls.png

string
Returned

URL to the PNG version of the asset.

Allowable Values:

A valid URL

rewards_disclosure.asset_urls.html

string
Returned

URL to the HTML version of the asset.

Allowable Values:

A valid URL

rewards_disclosure.template_token

string
Conditionally returned

Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document.

Allowable Values:

Existing template token for the SOCT or Rewards Disclosure

rewards_disclosure.template_urls

object
Conditionally returned

Contains one or more URLs for a template.

Allowable Values:

One or more template_urls objects

rewards_disclosure.template_urls.html

string
Returned

URL to the HTML version of the document template.

Allowable Values:

A valid URL

terms_schedule

object
Conditionally returned

Contains information on the Terms Schedule, which is a post-application disclosure that contains the terms of credit for an account, including the interest rate details.

Allowable Values:

Existing terms_schedule object

terms_schedule.template_token

string
Conditionally returned

Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.

Allowable Values:

Existing template token for the Terms Schedule, Account Statement, or NOAA

terms_schedule.template_urls

object
Conditionally returned

Contains one or more URLs for a template.

Allowable Values:

One or more template_urls objects

terms_schedule.template_urls.html

string
Returned

URL to the HTML version of the document template.

Allowable Values:

A valid URL

benefits_disclosure_traditional

object
Conditionally returned

Contains information on the Benefits Disclosure (Traditional), which is a post-application disclosure that outlines the network benefits of a traditional Mastercard or Visa card.

Allowable Values:

Existing benefits_disclosure_traditional object

benefits_disclosure_traditional.asset_token

string
Conditionally returned

Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement

benefits_disclosure_traditional.asset_urls

object
Conditionally returned

Contains one or more URLs for an asset.

Allowable Values:

One or more asset_urls objects

benefits_disclosure_traditional.asset_urls.pdf

string
Returned

URL to the PDF version of the asset.

Allowable Values:

A valid URL

benefits_disclosure_traditional.asset_urls.png

string
Returned

URL to the PNG version of the asset.

Allowable Values:

A valid URL

benefits_disclosure_traditional.asset_urls.html

string
Returned

URL to the HTML version of the asset.

Allowable Values:

A valid URL

benefits_disclosure_premium

object
Conditionally returned

Contains information on the Benefits Disclosure (Premium), which is a post-application disclosure that outlines the network benefits of a Mastercard World or Visa Signature card.

Allowable Values:

Existing benefits_disclosure_premium object

benefits_disclosure_premium.asset_token

string
Conditionally returned

Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement

benefits_disclosure_premium.asset_urls

object
Conditionally returned

Contains one or more URLs for an asset.

Allowable Values:

One or more asset_urls objects

benefits_disclosure_premium.asset_urls.pdf

string
Returned

URL to the PDF version of the asset.

Allowable Values:

A valid URL

benefits_disclosure_premium.asset_urls.png

string
Returned

URL to the PNG version of the asset.

Allowable Values:

A valid URL

benefits_disclosure_premium.asset_urls.html

string
Returned

URL to the HTML version of the asset.

Allowable Values:

A valid URL

privacy_policy

object
Conditionally returned

Contains information on the Privacy Policy, which is a pre-application disclosure that explains how an applicant’s data is used and managed.

Allowable Values:

Existing privacy_policy object

privacy_policy.asset_token

string
Conditionally returned

Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement

privacy_policy.asset_urls

object
Conditionally returned

Contains one or more URLs for an asset.

Allowable Values:

One or more asset_urls objects

privacy_policy.asset_urls.pdf

string
Returned

URL to the PDF version of the asset.

Allowable Values:

A valid URL

privacy_policy.asset_urls.png

string
Returned

URL to the PNG version of the asset.

Allowable Values:

A valid URL

privacy_policy.asset_urls.html

string
Returned

URL to the HTML version of the asset.

Allowable Values:

A valid URL

e_disclosure

object
Conditionally returned

Contains information on the eDisclosure, which is a pre-application disclosure that states that users are to receive their disclosures electronically.

Allowable Values:

Existing e_disclosure object

e_disclosure.asset_token

string
Conditionally returned

Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement

e_disclosure.asset_urls

object
Conditionally returned

Contains one or more URLs for an asset.

Allowable Values:

One or more asset_urls objects

e_disclosure.asset_urls.pdf

string
Returned

URL to the PDF version of the asset.

Allowable Values:

A valid URL

e_disclosure.asset_urls.png

string
Returned

URL to the PNG version of the asset.

Allowable Values:

A valid URL

e_disclosure.asset_urls.html

string
Returned

URL to the HTML version of the asset.

Allowable Values:

A valid URL

card_member_agreement

object
Conditionally returned

Contains information on the Card Member Agreement, which is a post-application disclosure that specifies the terms and conditions of an account, including the interest rates, interest charges, fees, minimum payment calculations, and more.

Allowable Values:

Existing card_member_agreement object

card_member_agreement.asset_token

string
Conditionally returned

Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement

card_member_agreement.asset_urls

object
Conditionally returned

Contains one or more URLs for an asset.

Allowable Values:

One or more asset_urls objects

card_member_agreement.asset_urls.pdf

string
Returned

URL to the PDF version of the asset.

Allowable Values:

A valid URL

card_member_agreement.asset_urls.png

string
Returned

URL to the PNG version of the asset.

Allowable Values:

A valid URL

card_member_agreement.asset_urls.html

string
Returned

URL to the HTML version of the asset.

Allowable Values:

A valid URL

account_statement

object
Conditionally returned

Contains information on the Account Statement, which outlines the information that appears on the statements generated for a credit account.

Allowable Values:

Existing account_statement object

account_statement.template_token

string
Conditionally returned

Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.

Allowable Values:

Existing template token for the Terms Schedule, Account Statement, or NOAA

account_statement.template_urls

object
Conditionally returned

Contains one or more URLs for a template.

Allowable Values:

One or more template_urls objects

account_statement.template_urls.html

string
Returned

URL to the HTML version of the document template.

Allowable Values:

A valid URL

noaa_single_reason

object
Conditionally returned

Contains information on the Notice of Adverse Action (NOAA) used when an application is declined for single reason.

Allowable Values:

Existing noaa_single_reason object

noaa_single_reason.template_token

string
Conditionally returned

Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.

Allowable Values:

Existing template token for the Terms Schedule, Account Statement, or NOAA

noaa_single_reason.template_urls

object
Conditionally returned

Contains one or more URLs for a template.

Allowable Values:

One or more template_urls objects

noaa_single_reason.template_urls.html

string
Returned

URL to the HTML version of the document template.

Allowable Values:

A valid URL

noaa_single_reason_with_dodd_frank

object
Conditionally returned

Contains information on the NOAA used when an application is declined for single reason related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application.

Allowable Values:

Existing noaa_single_reason_with_dodd_frank object

noaa_single_reason_with_dodd_frank.template_token

string
Conditionally returned

Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.

Allowable Values:

Existing template token for the Terms Schedule, Account Statement, or NOAA

noaa_single_reason_with_dodd_frank.template_urls

object
Conditionally returned

Contains one or more URLs for a template.

Allowable Values:

One or more template_urls objects

noaa_single_reason_with_dodd_frank.template_urls.html

string
Returned

URL to the HTML version of the document template.

Allowable Values:

A valid URL

noaa_multiple_reason_with_dodd_frank

object
Conditionally returned

Contains information on the NOAA used when an application is declined for multiple reasons related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application.

Allowable Values:

Existing noaa_multiple_reason_with_dodd_frank object

noaa_multiple_reason_with_dodd_frank.template_token

string
Conditionally returned

Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.

Allowable Values:

Existing template token for the Terms Schedule, Account Statement, or NOAA

noaa_multiple_reason_with_dodd_frank.template_urls

object
Conditionally returned

Contains one or more URLs for a template.

Allowable Values:

One or more template_urls objects

noaa_multiple_reason_with_dodd_frank.template_urls.html

string
Returned

URL to the HTML version of the document template.

Allowable Values:

A valid URL

created_time

datetime
Conditionally returned

Date and time when the document policy was created on Marqeta’s credit platform.

Allowable Values:

Format: yyyy-MM-dd’T’HH:mm:ss.Z

updated_time

datetime
Conditionally returned

Date and time when the document policy was last updated on Marqeta’s credit platform.

Allowable Values:

Format: yyyy-MM-dd’T’HH:mm:ss.Z

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Clone document policy

Action: POST
Endpoint: /credit/policies/documents/{token}/clone

Create a new document policy based on an existing document policy. A document policy consists of all the pre- and post-application disclosures and credit program documents known as assets and templates. Assets contain finalized values after a bundle is created; templates do not contain finalized values.

URL path parameters
Fields Description

token

string
Required

The unique identifier of the document policy to clone.

Send a GET request to /policies/documents to retrieve existing document policy tokens.

Allowable Values:

Existing document policy token

Response body
Fields Description

token

string
Conditionally returned

Unique identifier of the document policy.

Allowable Values:

36 char max

name

string
Conditionally returned

Name of the document policy.

Allowable Values:

255 char max

summary_of_credit_terms

object
Conditionally returned

Contains information on the Summary of Credit Terms (SOCT), which is a pre- and post-application disclosure that outlines the terms of an account, such as the interest rates, interest charges, associated fees, and more.

Allowable Values:

Existing summary_of_credit_terms object

summary_of_credit_terms.asset_token

string
Conditionally returned

Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the SOCT or Rewards Disclosure

summary_of_credit_terms.asset_urls

object
Conditionally returned

Contains one or more URLs for an asset.

Allowable Values:

One or more asset_urls objects

summary_of_credit_terms.asset_urls.pdf

string
Returned

URL to the PDF version of the asset.

Allowable Values:

A valid URL

summary_of_credit_terms.asset_urls.png

string
Returned

URL to the PNG version of the asset.

Allowable Values:

A valid URL

summary_of_credit_terms.asset_urls.html

string
Returned

URL to the HTML version of the asset.

Allowable Values:

A valid URL

summary_of_credit_terms.template_token

string
Conditionally returned

Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document.

Allowable Values:

Existing template token for the SOCT or Rewards Disclosure

summary_of_credit_terms.template_urls

object
Conditionally returned

Contains one or more URLs for a template.

Allowable Values:

One or more template_urls objects

summary_of_credit_terms.template_urls.html

string
Returned

URL to the HTML version of the document template.

Allowable Values:

A valid URL

rewards_disclosure

object
Conditionally returned

Contains information on the Rewards Disclosure, which is a pre- and post-application disclosure that provides details about the rewards program for a bundle.

Allowable Values:

Existing rewards_disclosure object

rewards_disclosure.asset_token

string
Conditionally returned

Unique identifier of the asset, which is the version of a document that is based on the template and contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the SOCT or Rewards Disclosure

rewards_disclosure.asset_urls

object
Conditionally returned

Contains one or more URLs for an asset.

Allowable Values:

One or more asset_urls objects

rewards_disclosure.asset_urls.pdf

string
Returned

URL to the PDF version of the asset.

Allowable Values:

A valid URL

rewards_disclosure.asset_urls.png

string
Returned

URL to the PNG version of the asset.

Allowable Values:

A valid URL

rewards_disclosure.asset_urls.html

string
Returned

URL to the HTML version of the asset.

Allowable Values:

A valid URL

rewards_disclosure.template_token

string
Conditionally returned

Unique identifier of the template, which is the version of a document that serves as an initial disclosure but does not contain finalized values. Values are finalized in the asset version of the document.

Allowable Values:

Existing template token for the SOCT or Rewards Disclosure

rewards_disclosure.template_urls

object
Conditionally returned

Contains one or more URLs for a template.

Allowable Values:

One or more template_urls objects

rewards_disclosure.template_urls.html

string
Returned

URL to the HTML version of the document template.

Allowable Values:

A valid URL

terms_schedule

object
Conditionally returned

Contains information on the Terms Schedule, which is a post-application disclosure that contains the terms of credit for an account, including the interest rate details.

Allowable Values:

Existing terms_schedule object

terms_schedule.template_token

string
Conditionally returned

Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.

Allowable Values:

Existing template token for the Terms Schedule, Account Statement, or NOAA

terms_schedule.template_urls

object
Conditionally returned

Contains one or more URLs for a template.

Allowable Values:

One or more template_urls objects

terms_schedule.template_urls.html

string
Returned

URL to the HTML version of the document template.

Allowable Values:

A valid URL

benefits_disclosure_traditional

object
Conditionally returned

Contains information on the Benefits Disclosure (Traditional), which is a post-application disclosure that outlines the network benefits of a traditional Mastercard or Visa card.

Allowable Values:

Existing benefits_disclosure_traditional object

benefits_disclosure_traditional.asset_token

string
Conditionally returned

Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement

benefits_disclosure_traditional.asset_urls

object
Conditionally returned

Contains one or more URLs for an asset.

Allowable Values:

One or more asset_urls objects

benefits_disclosure_traditional.asset_urls.pdf

string
Returned

URL to the PDF version of the asset.

Allowable Values:

A valid URL

benefits_disclosure_traditional.asset_urls.png

string
Returned

URL to the PNG version of the asset.

Allowable Values:

A valid URL

benefits_disclosure_traditional.asset_urls.html

string
Returned

URL to the HTML version of the asset.

Allowable Values:

A valid URL

benefits_disclosure_premium

object
Conditionally returned

Contains information on the Benefits Disclosure (Premium), which is a post-application disclosure that outlines the network benefits of a Mastercard World or Visa Signature card.

Allowable Values:

Existing benefits_disclosure_premium object

benefits_disclosure_premium.asset_token

string
Conditionally returned

Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement

benefits_disclosure_premium.asset_urls

object
Conditionally returned

Contains one or more URLs for an asset.

Allowable Values:

One or more asset_urls objects

benefits_disclosure_premium.asset_urls.pdf

string
Returned

URL to the PDF version of the asset.

Allowable Values:

A valid URL

benefits_disclosure_premium.asset_urls.png

string
Returned

URL to the PNG version of the asset.

Allowable Values:

A valid URL

benefits_disclosure_premium.asset_urls.html

string
Returned

URL to the HTML version of the asset.

Allowable Values:

A valid URL

privacy_policy

object
Conditionally returned

Contains information on the Privacy Policy, which is a pre-application disclosure that explains how an applicant’s data is used and managed.

Allowable Values:

Existing privacy_policy object

privacy_policy.asset_token

string
Conditionally returned

Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement

privacy_policy.asset_urls

object
Conditionally returned

Contains one or more URLs for an asset.

Allowable Values:

One or more asset_urls objects

privacy_policy.asset_urls.pdf

string
Returned

URL to the PDF version of the asset.

Allowable Values:

A valid URL

privacy_policy.asset_urls.png

string
Returned

URL to the PNG version of the asset.

Allowable Values:

A valid URL

privacy_policy.asset_urls.html

string
Returned

URL to the HTML version of the asset.

Allowable Values:

A valid URL

e_disclosure

object
Conditionally returned

Contains information on the eDisclosure, which is a pre-application disclosure that states that users are to receive their disclosures electronically.

Allowable Values:

Existing e_disclosure object

e_disclosure.asset_token

string
Conditionally returned

Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement

e_disclosure.asset_urls

object
Conditionally returned

Contains one or more URLs for an asset.

Allowable Values:

One or more asset_urls objects

e_disclosure.asset_urls.pdf

string
Returned

URL to the PDF version of the asset.

Allowable Values:

A valid URL

e_disclosure.asset_urls.png

string
Returned

URL to the PNG version of the asset.

Allowable Values:

A valid URL

e_disclosure.asset_urls.html

string
Returned

URL to the HTML version of the asset.

Allowable Values:

A valid URL

card_member_agreement

object
Conditionally returned

Contains information on the Card Member Agreement, which is a post-application disclosure that specifies the terms and conditions of an account, including the interest rates, interest charges, fees, minimum payment calculations, and more.

Allowable Values:

Existing card_member_agreement object

card_member_agreement.asset_token

string
Conditionally returned

Unique identifier of the asset, which is a type of document that contains finalized values. The values are finalized when the bundle containing the document is created.

Allowable Values:

Existing asset token for the Benefits Disclosure (Traditional), Benefits Disclosure (Premium), Privacy Policy, eDisclosure, or Card Member Agreement

card_member_agreement.asset_urls

object
Conditionally returned

Contains one or more URLs for an asset.

Allowable Values:

One or more asset_urls objects

card_member_agreement.asset_urls.pdf

string
Returned

URL to the PDF version of the asset.

Allowable Values:

A valid URL

card_member_agreement.asset_urls.png

string
Returned

URL to the PNG version of the asset.

Allowable Values:

A valid URL

card_member_agreement.asset_urls.html

string
Returned

URL to the HTML version of the asset.

Allowable Values:

A valid URL

account_statement

object
Conditionally returned

Contains information on the Account Statement, which outlines the information that appears on the statements generated for a credit account.

Allowable Values:

Existing account_statement object

account_statement.template_token

string
Conditionally returned

Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.

Allowable Values:

Existing template token for the Terms Schedule, Account Statement, or NOAA

account_statement.template_urls

object
Conditionally returned

Contains one or more URLs for a template.

Allowable Values:

One or more template_urls objects

account_statement.template_urls.html

string
Returned

URL to the HTML version of the document template.

Allowable Values:

A valid URL

noaa_single_reason

object
Conditionally returned

Contains information on the Notice of Adverse Action (NOAA) used when an application is declined for single reason.

Allowable Values:

Existing noaa_single_reason object

noaa_single_reason.template_token

string
Conditionally returned

Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.

Allowable Values:

Existing template token for the Terms Schedule, Account Statement, or NOAA

noaa_single_reason.template_urls

object
Conditionally returned

Contains one or more URLs for a template.

Allowable Values:

One or more template_urls objects

noaa_single_reason.template_urls.html

string
Returned

URL to the HTML version of the document template.

Allowable Values:

A valid URL

noaa_single_reason_with_dodd_frank

object
Conditionally returned

Contains information on the NOAA used when an application is declined for single reason related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application.

Allowable Values:

Existing noaa_single_reason_with_dodd_frank object

noaa_single_reason_with_dodd_frank.template_token

string
Conditionally returned

Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.

Allowable Values:

Existing template token for the Terms Schedule, Account Statement, or NOAA

noaa_single_reason_with_dodd_frank.template_urls

object
Conditionally returned

Contains one or more URLs for a template.

Allowable Values:

One or more template_urls objects

noaa_single_reason_with_dodd_frank.template_urls.html

string
Returned

URL to the HTML version of the document template.

Allowable Values:

A valid URL

noaa_multiple_reason_with_dodd_frank

object
Conditionally returned

Contains information on the NOAA used when an application is declined for multiple reasons related to the applicant’s credit score. This NOAA contains a Dodd-Frank section that discloses their credit score and the information related to that score that was used to decline their application.

Allowable Values:

Existing noaa_multiple_reason_with_dodd_frank object

noaa_multiple_reason_with_dodd_frank.template_token

string
Conditionally returned

Unique identifier of a template, which is a document that serves as an initial disclosure but does not contain finalized values.

Allowable Values:

Existing template token for the Terms Schedule, Account Statement, or NOAA

noaa_multiple_reason_with_dodd_frank.template_urls

object
Conditionally returned

Contains one or more URLs for a template.

Allowable Values:

One or more template_urls objects

noaa_multiple_reason_with_dodd_frank.template_urls.html

string
Returned

URL to the HTML version of the document template.

Allowable Values:

A valid URL

created_time

datetime
Conditionally returned

Date and time when the document policy was created on Marqeta’s credit platform.

Allowable Values:

Format: yyyy-MM-dd’T’HH:mm:ss.Z

updated_time

datetime
Conditionally returned

Date and time when the document policy was last updated on Marqeta’s credit platform.

Allowable Values:

Format: yyyy-MM-dd’T’HH:mm:ss.Z

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Create credit product policy

Action: POST
Endpoint: /credit/policies/products

Create a new credit product policy.

Request body
Fields Description

token

string
Optional

Unique identifier of the credit product policy.

Allowable Values:

36 char max

card_products

array of objects
Required

One or more card products associated with the credit product policy.

Allowable Values:

One or more card_products objects

card_products[].token

string
Required

Unique identifier of the card product.

Allowable Values:

36 char max

card_products[].level

string
Required

Level of the card product.

Allowable Values:

PREMIUM, TRADITIONAL

name

string
Required

Name of the credit product policy.

Allowable Values:

1 char min

description

string
Optional

Description of the credit product policy.

Allowable Values:

255 char max

classification

string
Required

Specifies for whom the credit product is intended.

  • CONSUMER - The credit product is intended for individual consumers.

  • SMALL_AND_MEDIUM_BUSINESS - The credit product is intended for small and medium business.

Allowable Values:

CONSUMER, SMALL_AND_MEDIUM_BUSINESS

product_type

string
Required

Type of credit product.

REVOLVING - Allows users to continuously borrow and pay debts up to the credit limit.

Allowable Values:

REVOLVING

product_sub_type

string
Required

Subtype of the credit product type.

CREDIT_CARD - Card that enables the cardholder to make purchases on credit.

Allowable Values:

CREDIT_CARD

currency_code

string
Required

A valid three-digit ISO 4217 currency code

Allowable Values:

USD

credit_line

object
Required

Contains information about the credit line range.

Allowable Values:

Existing credit_line object

credit_line.min

decimal
Required

Minimum credit limit.

Allowable Values:

0–999999999999.99

credit_line.max

decimal
Required

Maximum credit limit.

Allowable Values:

0–999999999999.99

usage

array of strings
Required

One or more usage types for the credit product policy.

Allowable Values:

PURCHASE

interest_calculation

object
Required

Contains the configurations for interest calculation.

Allowable Values:

Existing interest_calculation object

interest_calculation.method

string
Required

Method of interest calculation.

Allowable Values:

AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS

interest_calculation.day_count

string
Required

Day-count convention.

Allowable Values:

ACTUAL

interest_calculation.interest_application

array of strings
Required

One or more balance types on which interest is applied.

Allowable Values:

PRINCIPAL, FEES, INTEREST

interest_calculation.minimum_interest

decimal
Required

When interest is applied, this value determines the minimum amount of interest that can be charged.

Allowable Values:

0–999999999999.99

interest_calculation.interest_on_grace_reactivation

string
Required

Determines whether to charge or waive interest for the billing period when the balance is paid off.

Allowable Values:

ACCRUE_FULL_CYCLE, ACCRUE_PAYMENT_DATE, WAIVE

interest_calculation.grace_days_application

string
Required

Determines the last day of grace period based on which interest charges are calculated.

Allowable Values:

NEXT_CYCLE_DATE

interest_calculation.application_of_credits

object
Required

Contains information on the cycle type and billing cycle day when credits are applied in the daily balance calculation.

Allowable Values:

Existing application_of_credits object

interest_calculation.application_of_credits.cycle_type

string
Required

Type of cycle.

  • BEGINNING_REVOLVING - Account is beginning to revolve and just started carrying a balance from the previous month.

  • REVOLVING - Account is revolving and has been carrying a balance from month to month for more than one month.

  • END_REVOLVING - Account is no longer revolving and the previous month’s balance is paid off.

  • TRANSACTING - Account is not revolving and being paid off each month.

Allowable Values:

BEGINNING_REVOLVING, REVOLVING, END_REVOLVING, TRANSACTING

interest_calculation.application_of_credits.day

integer
Required

Day of the billing cycle when credits are applied.

Allowable Values:

1–31

interest_calculation.exclude_tran_types

array of strings
Optional

One or more transactions that are excluded from current billing period’s interest charge, but included in next.

Allowable Values:

LATE_PAYMENT_FEE, ANNUAL_FEE, MONTHLY_FEE, CASH_BACK_STATEMENT_CREDIT, RETURNED_PAYMENT_FEE

payments

object
Required

Contains the configurations for billing cycle day, payment due day, and fees.

Allowable Values:

Existing payments object

payments.billing_cycle_day

integer
Required

Day of month the billing cycle starts.

Allowable Values:

1

payments.due_day

integer
Required

Day of month the payment for the previous billing cycle is due.

Allowable Values:

31

payments.allocation_order

array of strings
Required

Ordered list of balance types to which payments are allocated, from first to last.

Allowable Values:

INTEREST, FEES, PRINCIPAL

payments.min_payment_calculation

object
Required

Contains information used to calculate the minimum payment amount on a credit product policy.

Allowable Values:

Existing min_payment_calculation object

payments.min_payment_calculation.include_past_due_amount

boolean
Required

Whether to include the past due amount when calculating the minimum payment.

Allowable Values:

true, false

payments.min_payment_calculation.include_overlimit_amount

boolean
Required

Whether to include the overlimit amount when calculating the minimum payment.

Allowable Values:

true, false

payments.min_payment_calculation.min_payment_flat_amount

decimal
Optional

Minimum payment, expressed as a flat amount, due on the payment due day.

Allowable Values:

Format: 0.00

payments.min_payment_calculation.min_payment_percentage

object
Optional

Contains information used to calculate the minimum payment amount when expressed as a percentage.

Allowable Values:

Existing min_payment_percentage object

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Response body
Fields Description

token

string
Conditionally returned

Unique identifier of the credit product policy.

Allowable Values:

36 char max

card_products

array of objects
Conditionally returned

One or more card products associated with the credit product policy.

Allowable Values:

One or more card_products objects

card_products[].token

string
Conditionally returned

Unique identifier of the card product.

Allowable Values:

36 char max

card_products[].level

string
Conditionally returned

Level of the card product.

Allowable Values:

PREMIUM, TRADITIONAL

card_products[].network

string
Conditionally returned

Name of the card network.

Allowable Values:

VISA, MASTERCARD, SANDBOX

name

string
Conditionally returned

Name of the credit product policy.

Allowable Values:

1 char min

description

string
Conditionally returned

Description of the credit product policy.

Allowable Values:

255 char max

classification

string
Conditionally returned

Specifies for whom the credit product is intended.

  • CONSUMER - The credit product is intended for individual consumers.

  • SMALL_AND_MEDIUM_BUSINESS - The credit product is intended for small and medium business.

Allowable Values:

CONSUMER, SMALL_AND_MEDIUM_BUSINESS

product_type

string
Conditionally returned

Type of credit product.

REVOLVING - Allows users to continuously borrow and pay debts up to the credit limit.

Allowable Values:

REVOLVING

product_sub_type

string
Conditionally returned

Subtype of the credit product type.

CREDIT_CARD - Card that enables the cardholder to make purchases on credit.

Allowable Values:

CREDIT_CARD

currency_code

string
Conditionally returned

A valid three-digit ISO 4217 currency code

Allowable Values:

USD

credit_line

object
Conditionally returned

Contains information about the credit line range.

Allowable Values:

Existing credit_line object

credit_line.min

decimal
Returned

Minimum credit limit.

Allowable Values:

0–999999999999.99

credit_line.max

decimal
Returned

Maximum credit limit.

Allowable Values:

0–999999999999.99

usage

array of strings
Conditionally returned

One or more usage types for the credit product policy.

Allowable Values:

PURCHASE

Valid usage array

interest_calculation

object
Conditionally returned

Contains the configurations for interest calculation.

Allowable Values:

Existing interest_calculation object

interest_calculation.method

string
Returned

Method of interest calculation.

Allowable Values:

AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS

interest_calculation.day_count

string
Returned

Day-count convention.

Allowable Values:

ACTUAL

interest_calculation.interest_application

array of strings
Returned

One or more balance types on which interest is applied.

Allowable Values:

PRINCIPAL, FEES, INTEREST

interest_calculation.minimum_interest

decimal
Returned

When interest is applied, this value determines the minimum amount of interest that can be charged.

Allowable Values:

0–999999999999.99

interest_calculation.interest_on_grace_reactivation

string
Returned

Determines whether to charge or waive interest for the billing period when the balance is paid off.

Allowable Values:

ACCRUE_FULL_CYCLE, ACCRUE_PAYMENT_DATE, WAIVE

interest_calculation.grace_days_application

string
Returned

Determines the last day of grace period based on which interest charges are calculated.

Allowable Values:

NEXT_CYCLE_DATE

interest_calculation.application_of_credits

object
Returned

Contains information on the cycle type and billing cycle day when credits are applied in the daily balance calculation.

Allowable Values:

Existing application_of_credits object

interest_calculation.application_of_credits.cycle_type

string
Returned

Type of cycle.

  • BEGINNING_REVOLVING - Account is beginning to revolve and just started carrying a balance from the previous month.

  • REVOLVING - Account is revolving and has been carrying a balance from month to month for more than one month.

  • END_REVOLVING - Account is no longer revolving and the previous month’s balance is paid off.

  • TRANSACTING - Account is not revolving and being paid off each month.

Allowable Values:

BEGINNING_REVOLVING, REVOLVING, END_REVOLVING, TRANSACTING

interest_calculation.application_of_credits.day

integer
Returned

Day of the billing cycle when credits are applied.

Allowable Values:

1–31

interest_calculation.exclude_tran_types

array of strings
Conditionally returned

One or more transactions that are excluded from current billing period’s interest charge, but included in next.

Allowable Values:

LATE_PAYMENT_FEE, ANNUAL_FEE, MONTHLY_FEE, CASH_BACK_STATEMENT_CREDIT, RETURNED_PAYMENT_FEE

payments

object
Conditionally returned

Contains the configurations for billing cycle day, payment due day, and fees.

Allowable Values:

Existing payments object

payments.billing_cycle_day

integer
Returned

Day of month the billing cycle starts.

Allowable Values:

1

payments.due_day

integer
Returned

Day of month the payment for the previous billing cycle is due.

Allowable Values:

31

payments.allocation_order

array of strings
Returned

Ordered list of balance types to which payments are allocated, from first to last.

Allowable Values:

INTEREST, FEES, PRINCIPAL

payments.min_payment_calculation

object
Returned

Contains information used to calculate the minimum payment amount on a credit product policy.

Allowable Values:

Existing min_payment_calculation object

payments.min_payment_calculation.include_past_due_amount

boolean
Returned

Whether to include the past due amount when calculating the minimum payment.

Allowable Values:

true, false

payments.min_payment_calculation.include_overlimit_amount

boolean
Returned

Whether to include the overlimit amount when calculating the minimum payment.

Allowable Values:

true, false

payments.min_payment_calculation.min_payment_flat_amount

decimal
Conditionally returned

Minimum payment, expressed as a flat amount, due on the payment due day.

Allowable Values:

Format: 0.00

payments.min_payment_calculation.min_payment_percentage

object
Conditionally returned

Contains information used to calculate the minimum payment amount when expressed as a percentage.

Allowable Values:

Existing min_payment_percentage object

created_time

datetime
Conditionally returned

Date and time when the credit product policy was created on Marqeta’s credit platform.

Allowable Values:

Format: yyyy-MM-dd’T’HH:mm:ss.Z

updated_time

datetime
Conditionally returned

Date and time when the credit product policy was last updated on Marqeta’s credit platform.

Allowable Values:

Format: yyyy-MM-dd’T’HH:mm:ss.Z

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List credit product policies

Action: GET
Endpoint: /credit/policies/products

Retrieve an array of existing credit product policies.

This endpoint supports sorting and pagination.

URL query parameters
Fields Description

count

integer
Optional

The number of resources to retrieve.

Allowable Values:

1–100

start_index

integer
Optional

The 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 lastModifiedTime, and not by the field names appearing in response bodies such as last_modified_time.

Allowable Values:

lastModifiedTime, -lastModifiedTime

Response body
Fields Description

count

integer
Returned

The number of resources returned.

Allowable Values:

Any integer

start_index

integer
Returned

The sort order index of the first resource in the returned array.

Allowable Values:

Any integer

end_index

integer
Returned

The 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

One or more credit product policies.

Allowable Values:

One or more credit product policy objects

data[].token

string
Conditionally returned

Unique identifier of the credit product policy.

Allowable Values:

36 char max

data[].card_products

array of objects
Conditionally returned

One or more card products associated with the credit product policy.

Allowable Values:

One or more card_products objects

data[].card_products[].token

string
Conditionally returned

Unique identifier of the card product.

Allowable Values:

36 char max

data[].card_products[].level

string
Conditionally returned

Level of the card product.

Allowable Values:

PREMIUM, TRADITIONAL

data[].card_products[].network

string
Conditionally returned

Name of the card network.

Allowable Values:

VISA, MASTERCARD, SANDBOX

data[].name

string
Conditionally returned

Name of the credit product policy.

Allowable Values:

1 char min

data[].description

string
Conditionally returned

Description of the credit product policy.

Allowable Values:

255 char max

data[].classification

string
Conditionally returned

Specifies for whom the credit product is intended.

  • CONSUMER - The credit product is intended for individual consumers.

  • SMALL_AND_MEDIUM_BUSINESS - The credit product is intended for small and medium business.

Allowable Values:

CONSUMER, SMALL_AND_MEDIUM_BUSINESS

data[].product_type

string
Conditionally returned

Type of credit product.

REVOLVING - Allows users to continuously borrow and pay debts up to the credit limit.

Allowable Values:

REVOLVING

data[].product_sub_type

string
Conditionally returned

Subtype of the credit product type.

CREDIT_CARD - Card that enables the cardholder to make purchases on credit.

Allowable Values:

CREDIT_CARD

data[].currency_code

string
Conditionally returned

A valid three-digit ISO 4217 currency code

Allowable Values:

USD

data[].credit_line

object
Conditionally returned

Contains information about the credit line range.

Allowable Values:

Existing credit_line object

data[].credit_line.min

decimal
Returned

Minimum credit limit.

Allowable Values:

0–999999999999.99

data[].credit_line.max

decimal
Returned

Maximum credit limit.

Allowable Values:

0–999999999999.99

data[].usage

array of strings
Conditionally returned

One or more usage types for the credit product policy.

Allowable Values:

PURCHASE

Valid usage array

data[].interest_calculation

object
Conditionally returned

Contains the configurations for interest calculation.

Allowable Values:

Existing interest_calculation object

data[].interest_calculation.method

string
Returned

Method of interest calculation.

Allowable Values:

AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS

data[].interest_calculation.day_count

string
Returned

Day-count convention.

Allowable Values:

ACTUAL

data[].interest_calculation.interest_application

array of strings
Returned

One or more balance types on which interest is applied.

Allowable Values:

PRINCIPAL, FEES, INTEREST

data[].interest_calculation.minimum_interest

decimal
Returned

When interest is applied, this value determines the minimum amount of interest that can be charged.

Allowable Values:

0–999999999999.99

data[].interest_calculation.interest_on_grace_reactivation

string
Returned

Determines whether to charge or waive interest for the billing period when the balance is paid off.

Allowable Values:

ACCRUE_FULL_CYCLE, ACCRUE_PAYMENT_DATE, WAIVE

data[].interest_calculation.grace_days_application

string
Returned

Determines the last day of grace period based on which interest charges are calculated.

Allowable Values:

NEXT_CYCLE_DATE

data[].interest_calculation.application_of_credits

object
Returned

Contains information on the cycle type and billing cycle day when credits are applied in the daily balance calculation.

Allowable Values:

Existing application_of_credits object

data[].interest_calculation.application_of_credits.cycle_type

string
Returned

Type of cycle.

  • BEGINNING_REVOLVING - Account is beginning to revolve and just started carrying a balance from the previous month.

  • REVOLVING - Account is revolving and has been carrying a balance from month to month for more than one month.

  • END_REVOLVING - Account is no longer revolving and the previous month’s balance is paid off.

  • TRANSACTING - Account is not revolving and being paid off each month.

Allowable Values:

BEGINNING_REVOLVING, REVOLVING, END_REVOLVING, TRANSACTING

data[].interest_calculation.application_of_credits.day

integer
Returned

Day of the billing cycle when credits are applied.

Allowable Values:

1–31

data[].interest_calculation.exclude_tran_types

array of strings
Conditionally returned

One or more transactions that are excluded from current billing period’s interest charge, but included in next.

Allowable Values:

LATE_PAYMENT_FEE, ANNUAL_FEE, MONTHLY_FEE, CASH_BACK_STATEMENT_CREDIT, RETURNED_PAYMENT_FEE

data[].payments

object
Conditionally returned

Contains the configurations for billing cycle day, payment due day, and fees.

Allowable Values:

Existing payments object

data[].payments.billing_cycle_day

integer
Returned

Day of month the billing cycle starts.

Allowable Values:

1

data[].payments.due_day

integer
Returned

Day of month the payment for the previous billing cycle is due.

Allowable Values:

31

data[].payments.allocation_order

array of strings
Returned

Ordered list of balance types to which payments are allocated, from first to last.

Allowable Values:

INTEREST, FEES, PRINCIPAL

data[].payments.min_payment_calculation

object
Returned

Contains information used to calculate the minimum payment amount on a credit product policy.

Allowable Values:

Existing min_payment_calculation object

data[].payments.min_payment_calculation.include_past_due_amount

boolean
Returned

Whether to include the past due amount when calculating the minimum payment.

Allowable Values:

true, false

data[].payments.min_payment_calculation.include_overlimit_amount

boolean
Returned

Whether to include the overlimit amount when calculating the minimum payment.

Allowable Values:

true, false

data[].payments.min_payment_calculation.min_payment_flat_amount

decimal
Conditionally returned

Minimum payment, expressed as a flat amount, due on the payment due day.

Allowable Values:

Format: 0.00

data[].payments.min_payment_calculation.min_payment_percentage

object
Conditionally returned

Contains information used to calculate the minimum payment amount when expressed as a percentage.

Allowable Values:

Existing min_payment_percentage object

data[].created_time

datetime
Conditionally returned

Date and time when the credit product policy was created on Marqeta’s credit platform.

Allowable Values:

Format: yyyy-MM-dd’T’HH:mm:ss.Z

data[].updated_time

datetime
Conditionally returned

Date and time when the credit product policy was last updated on Marqeta’s credit platform.

Allowable Values:

Format: yyyy-MM-dd’T’HH:mm:ss.Z

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Retrieve credit product policy

Action: GET
Endpoint: /credit/policies/products/{token}

Retrieve a specific credit product policy.

URL path parameters
Fields Description

token

string
Required

The unique identifier of the credit product policy to retrieve.

Send a GET request to /policies/products to retrieve existing credit product policy tokens.

Allowable Values:

Existing credit product policy token

Response body
Fields Description

token

string
Conditionally returned

Unique identifier of the credit product policy.

Allowable Values:

36 char max

card_products

array of objects
Conditionally returned

One or more card products associated with the credit product policy.

Allowable Values:

One or more card_products objects

card_products[].token

string
Conditionally returned

Unique identifier of the card product.

Allowable Values:

36 char max

card_products[].level

string
Conditionally returned

Level of the card product.

Allowable Values:

PREMIUM, TRADITIONAL

card_products[].network

string
Conditionally returned

Name of the card network.

Allowable Values:

VISA, MASTERCARD, SANDBOX

name

string
Conditionally returned

Name of the credit product policy.

Allowable Values:

1 char min

description

string
Conditionally returned

Description of the credit product policy.

Allowable Values:

255 char max

classification

string
Conditionally returned

Specifies for whom the credit product is intended.

  • CONSUMER - The credit product is intended for individual consumers.

  • SMALL_AND_MEDIUM_BUSINESS - The credit product is intended for small and medium business.

Allowable Values:

CONSUMER, SMALL_AND_MEDIUM_BUSINESS

product_type

string
Conditionally returned

Type of credit product.

REVOLVING - Allows users to continuously borrow and pay debts up to the credit limit.

Allowable Values:

REVOLVING

product_sub_type

string
Conditionally returned

Subtype of the credit product type.

CREDIT_CARD - Card that enables the cardholder to make purchases on credit.

Allowable Values:

CREDIT_CARD

currency_code

string
Conditionally returned

A valid three-digit ISO 4217 currency code

Allowable Values:

USD

credit_line

object
Conditionally returned

Contains information about the credit line range.

Allowable Values:

Existing credit_line object

credit_line.min

decimal
Returned

Minimum credit limit.

Allowable Values:

0–999999999999.99

credit_line.max

decimal
Returned

Maximum credit limit.

Allowable Values:

0–999999999999.99

usage

array of strings
Conditionally returned

One or more usage types for the credit product policy.

Allowable Values:

PURCHASE

Valid usage array

interest_calculation

object
Conditionally returned

Contains the configurations for interest calculation.

Allowable Values:

Existing interest_calculation object

interest_calculation.method

string
Returned

Method of interest calculation.

Allowable Values:

AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS

interest_calculation.day_count

string
Returned

Day-count convention.

Allowable Values:

ACTUAL

interest_calculation.interest_application

array of strings
Returned

One or more balance types on which interest is applied.

Allowable Values:

PRINCIPAL, FEES, INTEREST

interest_calculation.minimum_interest

decimal
Returned

When interest is applied, this value determines the minimum amount of interest that can be charged.

Allowable Values:

0–999999999999.99

interest_calculation.interest_on_grace_reactivation

string
Returned

Determines whether to charge or waive interest for the billing period when the balance is paid off.

Allowable Values:

ACCRUE_FULL_CYCLE, ACCRUE_PAYMENT_DATE, WAIVE

interest_calculation.grace_days_application

string
Returned

Determines the last day of grace period based on which interest charges are calculated.

Allowable Values:

NEXT_CYCLE_DATE

interest_calculation.application_of_credits

object
Returned

Contains information on the cycle type and billing cycle day when credits are applied in the daily balance calculation.

Allowable Values:

Existing application_of_credits object

interest_calculation.application_of_credits.cycle_type

string
Returned

Type of cycle.

  • BEGINNING_REVOLVING - Account is beginning to revolve and just started carrying a balance from the previous month.

  • REVOLVING - Account is revolving and has been carrying a balance from month to month for more than one month.

  • END_REVOLVING - Account is no longer revolving and the previous month’s balance is paid off.

  • TRANSACTING - Account is not revolving and being paid off each month.

Allowable Values:

BEGINNING_REVOLVING, REVOLVING, END_REVOLVING, TRANSACTING

interest_calculation.application_of_credits.day

integer
Returned

Day of the billing cycle when credits are applied.

Allowable Values:

1–31

interest_calculation.exclude_tran_types

array of strings
Conditionally returned

One or more transactions that are excluded from current billing period’s interest charge, but included in next.

Allowable Values:

LATE_PAYMENT_FEE, ANNUAL_FEE, MONTHLY_FEE, CASH_BACK_STATEMENT_CREDIT, RETURNED_PAYMENT_FEE

payments

object
Conditionally returned

Contains the configurations for billing cycle day, payment due day, and fees.

Allowable Values:

Existing payments object

payments.billing_cycle_day

integer
Returned

Day of month the billing cycle starts.

Allowable Values:

1

payments.due_day

integer
Returned

Day of month the payment for the previous billing cycle is due.

Allowable Values:

31

payments.allocation_order

array of strings
Returned

Ordered list of balance types to which payments are allocated, from first to last.

Allowable Values:

INTEREST, FEES, PRINCIPAL

payments.min_payment_calculation

object
Returned

Contains information used to calculate the minimum payment amount on a credit product policy.

Allowable Values:

Existing min_payment_calculation object

payments.min_payment_calculation.include_past_due_amount

boolean
Returned

Whether to include the past due amount when calculating the minimum payment.

Allowable Values:

true, false

payments.min_payment_calculation.include_overlimit_amount

boolean
Returned

Whether to include the overlimit amount when calculating the minimum payment.

Allowable Values:

true, false

payments.min_payment_calculation.min_payment_flat_amount

decimal
Conditionally returned

Minimum payment, expressed as a flat amount, due on the payment due day.

Allowable Values:

Format: 0.00

payments.min_payment_calculation.min_payment_percentage

object
Conditionally returned

Contains information used to calculate the minimum payment amount when expressed as a percentage.

Allowable Values:

Existing min_payment_percentage object

created_time

datetime
Conditionally returned

Date and time when the credit product policy was created on Marqeta’s credit platform.

Allowable Values:

Format: yyyy-MM-dd’T’HH:mm:ss.Z

updated_time

datetime
Conditionally returned

Date and time when the credit product policy was last updated on Marqeta’s credit platform.

Allowable Values:

Format: yyyy-MM-dd’T’HH:mm:ss.Z

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Update credit product policy

Action: PUT
Endpoint: /credit/policies/products/{token}

Update a specific credit product policy.

URL path parameters
Fields Description

token

string
Required

The unique identifier of the credit product policy to retrieve.

Send a GET request to /policies/products to retrieve existing credit product policy tokens.

Allowable Values:

Existing credit product policy token

Request body
Fields Description

card_products

array of objects
Required

One or more card products associated with the credit product policy.

Allowable Values:

One or more card_products objects

card_products[].token

string
Required

Unique identifier of the card product.

Allowable Values:

36 char max

card_products[].level

string
Required

Level of the card product.

Allowable Values:

PREMIUM, TRADITIONAL

name

string
Required

Name of the credit product policy.

Allowable Values:

1 char min

description

string
Optional

Description of the credit product policy.

Allowable Values:

255 char max

classification

string
Required

Specifies for whom the credit product is intended.

  • CONSUMER - The credit product is intended for individual consumers.

  • SMALL_AND_MEDIUM_BUSINESS - The credit product is intended for small and medium business.

Allowable Values:

CONSUMER, SMALL_AND_MEDIUM_BUSINESS

product_type

string
Required

Type of credit product.

REVOLVING - Allows users to continuously borrow and pay debts up to the credit limit.

Allowable Values:

REVOLVING

product_sub_type

string
Required

Subtype of the credit product type.

CREDIT_CARD - Card that enables the cardholder to make purchases on credit.

Allowable Values:

CREDIT_CARD

currency_code

string
Required

A valid three-digit ISO 4217 currency code

Allowable Values:

USD

credit_line

object
Required

Contains information about the credit line range.

Allowable Values:

Existing credit_line object

credit_line.min

decimal
Required

Minimum credit limit.

Allowable Values:

0–999999999999.99

credit_line.max

decimal
Required

Maximum credit limit.

Allowable Values:

0–999999999999.99

usage

array of strings
Required

One or more usage types for the credit product policy.

Allowable Values:

PURCHASE

interest_calculation

object
Required

Contains the configurations for interest calculation.

Allowable Values:

Existing interest_calculation object

interest_calculation.method

string
Required

Method of interest calculation.

Allowable Values:

AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS

interest_calculation.day_count

string
Required

Day-count convention.

Allowable Values:

ACTUAL

interest_calculation.interest_application

array of strings
Required

One or more balance types on which interest is applied.

Allowable Values:

PRINCIPAL, FEES, INTEREST

interest_calculation.minimum_interest

decimal
Required

When interest is applied, this value determines the minimum amount of interest that can be charged.

Allowable Values:

0–999999999999.99

interest_calculation.interest_on_grace_reactivation

string
Required

Determines whether to charge or waive interest for the billing period when the balance is paid off.

Allowable Values:

ACCRUE_FULL_CYCLE, ACCRUE_PAYMENT_DATE, WAIVE

interest_calculation.grace_days_application

string
Required

Determines the last day of grace period based on which interest charges are calculated.

Allowable Values:

NEXT_CYCLE_DATE

interest_calculation.application_of_credits

object
Required

Contains information on the cycle type and billing cycle day when credits are applied in the daily balance calculation.

Allowable Values:

Existing application_of_credits object

interest_calculation.application_of_credits.cycle_type

string
Required

Type of cycle.

  • BEGINNING_REVOLVING - Account is beginning to revolve and just started carrying a balance from the previous month.

  • REVOLVING - Account is revolving and has been carrying a balance from month to month for more than one month.

  • END_REVOLVING - Account is no longer revolving and the previous month’s balance is paid off.

  • TRANSACTING - Account is not revolving and being paid off each month.

Allowable Values:

BEGINNING_REVOLVING, REVOLVING, END_REVOLVING, TRANSACTING

interest_calculation.application_of_credits.day

integer
Required

Day of the billing cycle when credits are applied.

Allowable Values:

1–31

interest_calculation.exclude_tran_types

array of strings
Optional

One or more transactions that are excluded from current billing period’s interest charge, but included in next.

Allowable Values:

LATE_PAYMENT_FEE, ANNUAL_FEE, MONTHLY_FEE, CASH_BACK_STATEMENT_CREDIT, RETURNED_PAYMENT_FEE

payments

object
Required

Contains the configurations for billing cycle day, payment due day, and fees.

Allowable Values:

Existing payments object

payments.billing_cycle_day

integer
Required

Day of month the billing cycle starts.

Allowable Values:

1

payments.due_day

integer
Required

Day of month the payment for the previous billing cycle is due.

Allowable Values:

31

payments.allocation_order

array of strings
Required

Ordered list of balance types to which payments are allocated, from first to last.

Allowable Values:

INTEREST, FEES, PRINCIPAL

payments.min_payment_calculation

object
Required

Contains information used to calculate the minimum payment amount on a credit product policy.

Allowable Values:

Existing min_payment_calculation object

payments.min_payment_calculation.include_past_due_amount

boolean
Required

Whether to include the past due amount when calculating the minimum payment.

Allowable Values:

true, false

payments.min_payment_calculation.include_overlimit_amount

boolean
Required

Whether to include the overlimit amount when calculating the minimum payment.

Allowable Values:

true, false

payments.min_payment_calculation.min_payment_flat_amount

decimal
Optional

Minimum payment, expressed as a flat amount, due on the payment due day.

Allowable Values:

Format: 0.00

payments.min_payment_calculation.min_payment_percentage

object
Optional

Contains information used to calculate the minimum payment amount when expressed as a percentage.

Allowable Values:

Existing min_payment_percentage object

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Response body
Fields Description

token

string
Conditionally returned

Unique identifier of the credit product policy.

Allowable Values:

36 char max

card_products

array of objects
Conditionally returned

One or more card products associated with the credit product policy.

Allowable Values:

One or more card_products objects

card_products[].token

string
Conditionally returned

Unique identifier of the card product.

Allowable Values:

36 char max

card_products[].level

string
Conditionally returned

Level of the card product.

Allowable Values:

PREMIUM, TRADITIONAL

card_products[].network

string
Conditionally returned

Name of the card network.

Allowable Values:

VISA, MASTERCARD, SANDBOX

name

string
Conditionally returned

Name of the credit product policy.

Allowable Values:

1 char min

description

string
Conditionally returned

Description of the credit product policy.

Allowable Values:

255 char max

classification

string
Conditionally returned

Specifies for whom the credit product is intended.

  • CONSUMER - The credit product is intended for individual consumers.

  • SMALL_AND_MEDIUM_BUSINESS - The credit product is intended for small and medium business.

Allowable Values:

CONSUMER, SMALL_AND_MEDIUM_BUSINESS

product_type

string
Conditionally returned

Type of credit product.

REVOLVING - Allows users to continuously borrow and pay debts up to the credit limit.

Allowable Values:

REVOLVING

product_sub_type

string
Conditionally returned

Subtype of the credit product type.

CREDIT_CARD - Card that enables the cardholder to make purchases on credit.

Allowable Values:

CREDIT_CARD

currency_code

string
Conditionally returned

A valid three-digit ISO 4217 currency code

Allowable Values:

USD

credit_line

object
Conditionally returned

Contains information about the credit line range.

Allowable Values:

Existing credit_line object

credit_line.min

decimal
Returned

Minimum credit limit.

Allowable Values:

0–999999999999.99

credit_line.max

decimal
Returned

Maximum credit limit.

Allowable Values:

0–999999999999.99

usage

array of strings
Conditionally returned

One or more usage types for the credit product policy.

Allowable Values:

PURCHASE

Valid usage array

interest_calculation