Get a real-time pre-qualified offer

post

https://staging-api.365finance.co.uk/prequalification

Submit anonymised transaction data for a single merchant and receive an instant pre-qualification decision.

No personally identifiable information (PII) is required. Pass MCC/SIC codes, country, entity type, and recent transaction history.

Response:

qualified — one or more offers are returned in the Offers array
declined — the merchant does not meet the pre-qualification criteria; Offers is empty

Body Params

Anonymised merchant and transaction data

Anonymised merchant data for a real-time pre-qualification decision

ExternalReference

string

required

Your internal reference for this merchant. Returned in the response for correlation.

TypeOfEntity

string

enum

required

Legal entity type of the merchant

Allowed:

MerchantMCCs

array of strings

Merchant Category Codes (MCC) associated with the merchant. Optional.

MerchantMCCs

MerchantSICs

array of strings

Standard Industrial Classification (SIC) codes associated with the merchant. Optional.

MerchantSICs

CountryCode

string

required

ISO 3166-1 alpha-3 country code of the merchant

Transactions

array of objects

required

Recent card transaction history for the merchant

Transactions*

BusinessAgeMonths

integer

≥ 0

Age of the business in months. Optional — include where available.

Headers

X-API-Key

string

required

Your API key for authentication.

Responses

401

Unauthorized - Missing or invalid API key

403

Forbidden - Invalid or deactivated API key

200Pre-qualification decision returned

400Invalid request — missing required fields, invalid values, or invalid transaction type

500Internal server error