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Credit
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Fusion PrepaidFor India
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Fusion CreditFor U.S
Choose your product
We have specific products for countries and we are growing fast across the globe
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Credit
-
Fusion PrepaidFor India
-
Fusion CreditFor U.S
Choose your product
We have specific products for countries and we are growing fast across the globe
XYZ fintech, in partnership with ABC Bank, launched a premium credit card product and configured the policies to issue new credit accounts.
Jane is an existing customer of XYZ fintech. She is a salaried professional who earns a monthly income of $10,000. She has limited liabilities and maintains a good credit score. Jane applies for a premium credit card from XYZ fintech.
XYZ fintech reviewed Jane’s application and decided to issue her a new credit card. In this cookbook, we will see how XYZ fintech issues a new credit card to Jane.
Create an application for Jane against the applicable spool. For details about spool, see Application workflow.
cURL sample
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curl --location --request POST 'https://fusion.preprod.zeta.in/api/v1/ifi/140793/spool/22cf9f92-1866-4160-94ab-2e95f1b0dcad/application' --http1.1 --header 'Content-Type: application/json' --header 'x-zeta-authToken: {{authToken}}' --data-raw '{
"requestId": "request_cah_sbm-192345910",
"sections": {
"personal": {
"name": "personal",
"type": "money2020AccountHolder",
"details": {
"personalDetails": {
"firstName": "Jane",
"middleName": "Mary",
"lastName": "Hilton",
"suffix": "JR",
"dateOfBirth": "1998-02-28",
"mothersMaidenName": "xyz",
"mobileNumber": "+18979081103",
"emailId": "[email protected]"
}
}
},
"ovd": {
"name": "ovd",
"type": "money2020AccountHolder",
"details": {
"ovdDetails": {
"type":"SSN",
"value": "908455108"
}
}
},
"address": {
"name": "address",
"type": "money2020AccountHolder",
"details": {
"addressDetails": {
"type": "home",
"street": "xyz",
"suite/apt/other": "ABC",
"zipCode": "11533",
"city": "NewYork",
"state": "NewYork"
}
}
},
"otherDemographicDetails": {
"name": "otherDemographicDetails",
"type": "money2020AccountHolder",
"details": {
"otherDemographicDetails": {
"typeOfResidence": "Own",
"monthlyHousingPayment": "$1000",
"totalGrossAnnualIncome": "$100000",
"primarySourceOfIncome": "Employed"
}
}
}
}
}
'
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JSON sample
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{
"applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
"spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
"ifiId": 140793,
"requestId": "request_cah_sbm-192345910",
"status": "DATA_CAPTURE_INITIATED",
"sections": {
"address": {
"sectionId": "5cd1cdf8-5bad-4ee2-a6ee-8aa16cc76321",
"ifiId": 140793,
"spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
"applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
"name": "address",
"type": "money2020AccountHolder",
"details": {
"addressDetails": {
"city": "NewYork",
"type": "home",
"state": "NewYork",
"street": "xyz",
"zipCode": "11533",
"suite/apt/other": "ABC"
}
},
"createdAt": "2021-10-21T17:16:41.566+05:30",
"updatedAt": "2021-10-21T17:16:41.566+05:30"
},
"otherDemographicDetails": {
"sectionId": "8a0abe32-176d-4ac2-b82c-02826abc9a4b",
"ifiId": 140793,
"spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
"applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
"name": "otherDemographicDetails",
"type": "money2020AccountHolder",
"details": {
"otherDemographicDetails": {
"typeOfResidence": "Own",
"monthlyHousingPayment": "$1000",
"primarySourceOfIncome": "Employed",
"totalGrossAnnualIncome": "$100000"
}
},
"createdAt": "2021-10-21T17:16:41.566+05:30",
"updatedAt": "2021-10-21T17:16:41.566+05:30"
},
"personal": {
"sectionId": "1aa24197-2118-44b9-a27d-88f17a6a39fc",
"ifiId": 140793,
"spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
"applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
"name": "personal",
"type": "money2020AccountHolder",
"details": {
"personalDetails": {
"suffix": "JR",
"emailId": "[email protected]",
"lastName": "lance",
"firstName": "mark",
"middleName": "boucher",
"dateOfBirth": "1998-02-28",
"mobileNumber": "+18979081103",
"mothersMaidenName": "xyz"
}
},
"createdAt": "2021-10-21T17:16:41.566+05:30",
"updatedAt": "2021-10-21T17:16:41.566+05:30"
},
"ovd": {
"sectionId": "9c8b9186-9a14-4a50-a5e7-cd1888c1f487",
"ifiId": 140793,
"spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
"applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
"name": "ovd",
"type": "money2020AccountHolder",
"details": {
"ovdDetails": {
"type": "SSN",
"value": "908455108"
}
},
"createdAt": "2021-10-21T17:16:41.566+05:30",
"updatedAt": "2021-10-21T17:16:41.566+05:30"
}
},
"vectors": [],
"stages": [
{
"stageId": "eb84d3c6-7fb9-49cd-8c20-c42d33355394",
"ifiId": 140793,
"applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
"spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
"name": "ASSESSMENT",
"status": "NOT_INITIATED",
"details": {},
"result": {},
"createdAt": "2021-10-21T17:16:41.566+05:30",
"updatedAt": "2021-10-21T17:16:41.566+05:30"
},
{
"stageId": "c25b5178-4657-46fa-a678-72cdfb6097db",
"ifiId": 140793,
"applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
"spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
"name": "DATA_CAPTURE",
"status": "INITIATED",
"details": {},
"result": {
"validationPassed": {
"validation": "successful"
}
},
"createdAt": "2021-10-21T17:16:41.566+05:30",
"updatedAt": "2021-10-21T17:16:41.709+05:30"
},
{
"stageId": "a316483d-a07c-4ad2-91d0-7ee4ddeb022a",
"ifiId": 140793,
"applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
"spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
"name": "ENRICHMENT",
"status": "NOT_INITIATED",
"details": {},
"result": {},
"createdAt": "2021-10-21T17:16:41.566+05:30",
"updatedAt": "2021-10-21T17:16:41.566+05:30"
},
{
"stageId": "7c58a298-a0f3-4990-adef-5ed4e4c75083",
"ifiId": 140793,
"applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
"spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
"name": "PROVISIONING",
"status": "NOT_INITIATED",
"details": {},
"result": {},
"createdAt": "2021-10-21T17:16:41.566+05:30",
"updatedAt": "2021-10-21T17:16:41.566+05:30"
},
{
"stageId": "d81cd89e-43e3-46e4-af9c-365e022e690a",
"ifiId": 140793,
"applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
"spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
"name": "REVIEW",
"status": "NOT_INITIATED",
"details": {},
"result": {},
"createdAt": "2021-10-21T17:16:41.566+05:30",
"updatedAt": "2021-10-21T17:16:41.566+05:30"
}
],
"tags": [
{
"type": "spool-id",
"value": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
"attributes": {}
},
{
"type": "vbo-id",
"value": "cb96715c-bd00-466f-b742-5f36f2621e81",
"attributes": {}
}
],
"createdAt": "2021-10-21T17:16:41.566+05:30",
"updatedAt": "2021-10-21T17:16:41.723+05:30"
}XYZ fintech reviews Jane’s application as per the workflow defined for the attached spool. Once it is approved, the application needs to be moved to the Complete stage.
cURL sample
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curl --location --request POST 'https://fusion.preprod.zeta.in/api/v1/ifi/140793/spool/22cf9f92-1866-4160-94ab-2e95f1b0dcad/application/c6428a78-e76f-48d4-a832-e291effd2a9d/stage/DATA_CAPTURE/complete' --http1.1 --header 'Content-Type: application/json' --header 'X-Zeta-AuthToken: {{authToken}}' --data-raw ''
JSON sample
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{
"applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
"spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
"ifiId": 140793,
"requestId": "request_cah_sbm-192345910",
"status": "ENRICHMENT_INITIATED",
"sections": {
"address": {
"sectionId": "5cd1cdf8-5bad-4ee2-a6ee-8aa16cc76321",
"ifiId": 140793,
"spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
"applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
"name": "address",
"type": "money2020AccountHolder",
"details": {
"addressDetails": {
"city": "NewYork",
"type": "home",
"state": "NewYork",
"street": "xyz",
"zipCode": "11533",
"suite/apt/other": "ABC"
}
},
"createdAt": "2021-10-21T17:16:41.566+05:30",
"updatedAt": "2021-10-21T17:16:41.566+05:30"
},
"otherDemographicDetails": {
"sectionId": "8a0abe32-176d-4ac2-b82c-02826abc9a4b",
"ifiId": 140793,
"spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
"applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
"name": "otherDemographicDetails",
"type": "money2020AccountHolder",
"details": {
"otherDemographicDetails": {
"typeOfResidence": "Own",
"monthlyHousingPayment": "$1000",
"primarySourceOfIncome": "Employed",
"totalGrossAnnualIncome": "$100000"
}
},
"createdAt": "2021-10-21T17:16:41.566+05:30",
"updatedAt": "2021-10-21T17:16:41.566+05:30"
},
"personal": {
"sectionId": "1aa24197-2118-44b9-a27d-88f17a6a39fc",
"ifiId": 140793,
"spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
"applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
"name": "personal",
"type": "money2020AccountHolder",
"details": {
"personalDetails": {
"suffix": "JR",
"emailId": "[email protected]",
"lastName": "Hilton",
"firstName": "Jane",
"middleName": "Mary",
"dateOfBirth": "1998-02-28",
"mobileNumber": "+18979081103",
"mothersMaidenName": "xyz"
}
},
"createdAt": "2021-10-21T17:16:41.566+05:30",
"updatedAt": "2021-10-21T17:16:41.566+05:30"
},
"ovd": {
"sectionId": "9c8b9186-9a14-4a50-a5e7-cd1888c1f487",
"ifiId": 140793,
"spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
"applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
"name": "ovd",
"type": "money2020AccountHolder",
"details": {
"ovdDetails": {
"type": "SSN",
"value": "908455108"
}
},
"createdAt": "2021-10-21T17:16:41.566+05:30",
"updatedAt": "2021-10-21T17:16:41.566+05:30"
}
},
"vectors": [],
"stages": [
{
"stageId": "eb84d3c6-7fb9-49cd-8c20-c42d33355394",
"ifiId": 140793,
"applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
"spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
"name": "ASSESSMENT",
"status": "NOT_INITIATED",
"details": {},
"result": {},
"createdAt": "2021-10-21T17:16:41.566+05:30",
"updatedAt": "2021-10-21T17:16:41.566+05:30"
},
{
"stageId": "c25b5178-4657-46fa-a678-72cdfb6097db",
"ifiId": 140793,
"applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
"spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
"name": "DATA_CAPTURE",
"status": "COMPLETED",
"details": {},
"result": {
"validationPassed": {
"validation": "successful"
}
},
"createdAt": "2021-10-21T17:16:41.566+05:30",
"updatedAt": "2021-10-21T17:19:07.837+05:30"
},
{
"stageId": "a316483d-a07c-4ad2-91d0-7ee4ddeb022a",
"ifiId": 140793,
"applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
"spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
"name": "ENRICHMENT",
"status": "INITIATED",
"details": {},
"result": {},
"createdAt": "2021-10-21T17:16:41.566+05:30",
"updatedAt": "2021-10-21T17:19:07.858+05:30"
},
{
"stageId": "7c58a298-a0f3-4990-adef-5ed4e4c75083",
"ifiId": 140793,
"applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
"spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
"name": "PROVISIONING",
"status": "NOT_INITIATED",
"details": {},
"result": {},
"createdAt": "2021-10-21T17:16:41.566+05:30",
"updatedAt": "2021-10-21T17:16:41.566+05:30"
},
{
"stageId": "d81cd89e-43e3-46e4-af9c-365e022e690a",
"ifiId": 140793,
"applicationId": "c6428a78-e76f-48d4-a832-e291effd2a9d",
"spoolId": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
"name": "REVIEW",
"status": "NOT_INITIATED",
"details": {},
"result": {},
"createdAt": "2021-10-21T17:16:41.566+05:30",
"updatedAt": "2021-10-21T17:16:41.566+05:30"
}
],
"tags": [
{
"type": "spool-id",
"value": "22cf9f92-1866-4160-94ab-2e95f1b0dcad",
"attributes": {}
},
{
"type": "vbo-id",
"value": "cb96715c-bd00-466f-b742-5f36f2621e81",
"attributes": {}
}
],
"createdAt": "2021-10-21T17:16:41.566+05:30",
"updatedAt": "2021-10-21T17:19:07.874+05:30"
}The final step of the process is to issue the bundle. As part of the bundle issuance, the system generates the account number and a new card number for Jane.
cURL sample
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curl --location --request POST 'https://fusion.preprod.zeta.in/api/v2/ifi/140793/bundles/d62fd289-0663-454f-80d3-c122390b827d/issueBundle' --http1.1 --header 'Content-Type: application/json' --header 'X-Zeta-Authtoken: {{authToken}}' --data-raw '{
"accountHolderID": "eb5bcebf-1b32-490d-9a1a-b74a1425a06d",
"name": "Puxor Credit Card Bundle",
"productConfig": {
"accountProductConfigs": [
{
"payload": {
"creditLimit": 20000,
"sanctionedLimit": 10000,
"statementPreferences": {
"cycleID": "5808039957060771000",
"cycleCode": 1234567890,
"dispatchModes": [
"EMAIL"
]
},
"attributes": {
"currency": "USD"
}
}
}
]
}
}'
JSON sample
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{
"requestID": "d1ded1a8-dab5-472c-9345-77a3e6ff482f",
"accounts": [
{
"bundleID": "d62fd289-0663-454f-80d3-c122390b827d",
"accountHolderID": "eb5bcebf-1b32-490d-9a1a-b74a1425a06d",
"accountID": "1817f857-cbf2-46d6-b709-cebd38ce6789"
}
],
"paymentInstruments": [
{
"bundleID": "d62fd289-0663-454f-80d3-c122390b827d",
"resourceID": "3031e298-1dc5-4204-b01c-324179c52946",
"walletInfoList": [
{
"walletId": "bf4e7664-6591-4bc2-9116-d0a659557dda"
}
],
"targetAccount": "paymentAccount://32a11e1e-01a8-43b3-a826-f3a5c58a95fa"
}
]
}