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Retrieve underwriting details

GET
/accounts/{accountID}/underwriting

Retrieve underwriting associated with a given Moov account.

Read our underwriting guide to learn more.

To access this endpoint using an access token you'll need to specify the /accounts/{accountID}/profile.read scope.

curl -X GET "https://api.moov.io/accounts/{accountID}/underwriting" \
  -H "Authorization: Bearer {token}" \
  -H "X-Moov-Version: v2026.07.00"
mc, _ := moov.NewClient()

var accountID string

mc.GetUnderwriting(ctx, accountID)

import { Moov } from "@moovio/sdk";

const moov = new Moov({
  security: {
    username: "",
    password: "",
  },
});

async function run() {
  const result = await moov.underwriting.get({
    accountID: "efe07546-f697-4da5-bf73-d9987efd4cdd",
  });

  console.log(result);
}

run();
declare(strict_types=1);

require 'vendor/autoload.php';

use Moov\MoovPhp;
use Moov\MoovPhp\Models\Components;

$sdk = MoovPhp\Moov::builder()
    ->setSecurity(
        new Components\Security(
            username: '',
            password: '',
        )
    )
    ->build();



$response = $sdk->underwriting->get(
    accountID: 'efe07546-f697-4da5-bf73-d9987efd4cdd'
);

if ($response->underwriting !== null) {
    // handle response
}
package hello.world;

import io.moov.sdk.Moov;
import io.moov.sdk.models.components.Security;
import io.moov.sdk.models.operations.GetUnderwritingResponse;
import java.lang.Exception;

public class Application {

    public static void main(String[] args) throws Exception {

        Moov sdk = Moov.builder()
                .security(Security.builder()
                    .username("")
                    .password("")
                    .build())
            .build();

        GetUnderwritingResponse res = sdk.underwriting().get()
                .accountID("efe07546-f697-4da5-bf73-d9987efd4cdd")
                .call();

        if (res.underwriting().isPresent()) {
            System.out.println(res.underwriting().get());
        }
    }
}
from moovio_sdk import Moov
from moovio_sdk.models import components


with Moov(
    security=components.Security(
        username="",
        password="",
    ),
) as moov:

    res = moov.underwriting.get(account_id="efe07546-f697-4da5-bf73-d9987efd4cdd")

    # Handle response
    print(res)
require 'moov_ruby'

Models = ::Moov::Models
s = ::Moov::Client.new(
  security: Models::Components::Security.new(
    username: '',
    password: ''
  )
)
res = s.underwriting.get(account_id: 'efe07546-f697-4da5-bf73-d9987efd4cdd')

unless res.underwriting.nil?
  # handle response
end
using Moov.Sdk;
using Moov.Sdk.Models.Components;

var sdk = new MoovClient(security: new Security() {
    Username = "",
    Password = "",
});

var res = await sdk.Underwriting.GetAsync(accountID: "efe07546-f697-4da5-bf73-d9987efd4cdd");

// handle response
The request completed successfully.
application/json
Example
Describes underwriting values (in USD) used for card payment acceptance.
{
  "averageTransactionSize": 0,
  "maxTransactionSize": 0,
  "averageMonthlyTransactionVolume": 0,
  "status": "approved",
  "volumeByCustomerType": {
    "businessToBusinessPercentage": 0,
    "consumerToBusinessPercentage": 0
  },
  "cardVolumeDistribution": {
    "ecommercePercentage": 0,
    "cardPresentPercentage": 0,
    "mailOrPhonePercentage": 0,
    "debtRepaymentPercentage": 0
  },
  "fulfillment": {
    "hasPhysicalGoods": true,
    "isShippingProduct": true,
    "shipmentDurationDays": 0,
    "returnPolicy": "none"
  },
  "geographicReach": "international-only",
  "businessPresence": "commercial-office",
  "pendingLitigation": "bankruptcy-or-insolvency",
  "volumeShareByCustomerType": {
    "business": 0,
    "consumer": 0,
    "p2p": 0
  },
  "collectFunds": {
    "ach": {
      "estimatedActivity": {
        "averageTransactionAmount": 0,
        "maximumTransactionAmount": 0,
        "monthlyVolumeRange": "under-10k"
      }
    },
    "cardPayments": {
      "cardAcceptanceMethods": {
        "inPersonPercentage": 0,
        "mailOrPhonePercentage": 0,
        "onlinePercentage": 0
      },
      "currentlyAcceptsCards": true,
      "estimatedActivity": {
        "averageTransactionAmount": 0,
        "maximumTransactionAmount": 0,
        "monthlyVolumeRange": "under-10k"
      },
      "fulfillment": {
        "method": "bill-or-debt-payment",
        "timeframe": "immediate"
      },
      "refundPolicy": "conditional-refund"
    }
  },
  "moneyTransfer": {
    "pullFromCard": {
      "estimatedActivity": {
        "averageTransactionAmount": 0,
        "maximumTransactionAmount": 0,
        "monthlyVolumeRange": "under-10k"
      }
    },
    "pushToCard": {
      "estimatedActivity": {
        "averageTransactionAmount": 0,
        "maximumTransactionAmount": 0,
        "monthlyVolumeRange": "under-10k"
      }
    }
  },
  "sendFunds": {
    "ach": {
      "estimatedActivity": {
        "averageTransactionAmount": 0,
        "maximumTransactionAmount": 0,
        "monthlyVolumeRange": "under-10k"
      }
    },
    "pushToCard": {
      "estimatedActivity": {
        "averageTransactionAmount": 0,
        "maximumTransactionAmount": 0,
        "monthlyVolumeRange": "under-10k"
      }
    },
    "rtp": {
      "estimatedActivity": {
        "averageTransactionAmount": 0,
        "maximumTransactionAmount": 0,
        "monthlyVolumeRange": "under-10k"
      }
    },
    "instantBank": {
      "estimatedActivity": {
        "averageTransactionAmount": 0,
        "maximumTransactionAmount": 0,
        "monthlyVolumeRange": "under-10k"
      }
    },
    "wire": {
      "estimatedActivity": {
        "averageTransactionAmount": 0,
        "maximumTransactionAmount": 0,
        "monthlyVolumeRange": "under-10k"
      }
    }
  }
}

Response headers

x-request-id

string required
A unique identifier used to trace requests.
The request contained missing or expired authentication.

Response headers

x-request-id

string required
A unique identifier used to trace requests.
The user is not authorized to make the request.

Response headers

x-request-id

string required
A unique identifier used to trace requests.
The requested resource was not found.

Response headers

x-request-id

string required
A unique identifier used to trace requests.
Request was refused due to rate limiting.

Response headers

x-request-id

string required
A unique identifier used to trace requests.
The request failed due to an unexpected error.

Response headers

x-request-id

string required
A unique identifier used to trace requests.
The request failed because a downstream service failed to respond.

Response headers

x-request-id

string required
A unique identifier used to trace requests.

Headers

X-Moov-Version

string
Set this header to v2026.07.00 to use the API described in this specification. When omitted, the server defaults to v2024.01.00, the earliest supported version, which may not match the behavior documented here. An unrecognized well-formed version uses the latest supported version that is not newer than the requested version, when one exists. For example, v2026.08.00 uses v2026.07.00. A malformed value, such as 2022, returns a 404 response.
Possible values: v2026.07.00

Path parameters

accountID

string required

Response

application/json
Describes underwriting values (in USD) used for card payment acceptance.

averageMonthlyTransactionVolume

integer<int64>

averageTransactionSize

integer<int64>

businessPresence

string<enum>
Possible values: commercial-office, home-based, mixed-presence, mobile-business, online-only, retail-storefront

cardVolumeDistribution

object
Show child attributes

cardVolumeDistribution

cardPresentPercentage

integer<int32> required

debtRepaymentPercentage

integer<int32> required

ecommercePercentage

integer<int32> required

mailOrPhonePercentage

integer<int32> required

collectFunds

object
Show child attributes

collectFunds

ach

object
Show child attributes

collectFunds.ach

estimatedActivity

object
Show child attributes

collectFunds.ach.estimatedActivity

averageTransactionAmount

integer<int64>

maximumTransactionAmount

integer<int64>

monthlyVolumeRange

string<enum>
The low value in each range is included. The high value in each range is excluded.
Possible values: under-10k, 10k-50k, 50k-100k, 100k-250k, 250k-500k, 500k-1m, 1m-5m, over-5m

cardPayments

object
Show child attributes

collectFunds.cardPayments

cardAcceptanceMethods

object
Describes the distribution of card transactions by payment method.
Show child attributes

collectFunds.cardPayments.cardAcceptanceMethods

inPersonPercentage

integer<int32>
Percentage of card transactions that are in-person payments. Minimum value is 0, maximum is 100.

mailOrPhonePercentage

integer<int32>
Percentage of card transactions that are mail or phone payments. Minimum value is 0, maximum is 100.

onlinePercentage

integer<int32>
Percentage of card transactions that are online payments. Minimum value is 0, maximum is 100.

currentlyAcceptsCards

boolean

estimatedActivity

object
Show child attributes

collectFunds.cardPayments.estimatedActivity

averageTransactionAmount

integer<int64>

maximumTransactionAmount

integer<int64>

monthlyVolumeRange

string<enum>
The low value in each range is included. The high value in each range is excluded.
Possible values: under-10k, 10k-50k, 50k-100k, 100k-250k, 250k-500k, 500k-1m, 1m-5m, over-5m

fulfillment

object
Show child attributes

collectFunds.cardPayments.fulfillment

method

string<enum>
Possible values: bill-or-debt-payment, digital-content, donation, in-person-service, local-pickup-or-delivery, other, remote-service, shipped-physical-goods, subscription-or-membership

timeframe

string<enum>
Possible values: immediate, other, over-30-days, pre-order, recurring-schedule, scheduled-event, within-30-days, within-7-days

refundPolicy

string<enum>
Possible values: conditional-refund, custom-policy, event-based-policy, full-refund-extended-window, full-refund-within-30-days, no-refunds, partial-refund, prorated-refund, store-credit-only

fulfillment

object
Show child attributes

fulfillment

hasPhysicalGoods

boolean required

isShippingProduct

boolean required

returnPolicy

string<enum> required
Possible values: none, exchangeOnly, withinThirtyDays, other

shipmentDurationDays

integer<int64> required

geographicReach

string<enum>
Possible values: international-only, us-and-international, us-only

maxTransactionSize

integer<int64>

moneyTransfer

object
Show child attributes

moneyTransfer

pullFromCard

object
Show child attributes

moneyTransfer.pullFromCard

estimatedActivity

object
Show child attributes

moneyTransfer.pullFromCard.estimatedActivity

averageTransactionAmount

integer<int64>

maximumTransactionAmount

integer<int64>

monthlyVolumeRange

string<enum>
The low value in each range is included. The high value in each range is excluded.
Possible values: under-10k, 10k-50k, 50k-100k, 100k-250k, 250k-500k, 500k-1m, 1m-5m, over-5m

pushToCard

object
Show child attributes

moneyTransfer.pushToCard

estimatedActivity

object
Show child attributes

moneyTransfer.pushToCard.estimatedActivity

averageTransactionAmount

integer<int64>

maximumTransactionAmount

integer<int64>

monthlyVolumeRange

string<enum>
The low value in each range is included. The high value in each range is excluded.
Possible values: under-10k, 10k-50k, 50k-100k, 100k-250k, 250k-500k, 500k-1m, 1m-5m, over-5m

pendingLitigation

string<enum>
Possible values: bankruptcy-or-insolvency, consumer-protection-or-class-action, data-breach-or-privacy, employment-or-workplace-disputes, fraud-or-financial-crime, government-enforcement-or-investigation, intellectual-property, none, other, personal-injury-or-medical

sendFunds

object
Show child attributes

sendFunds

ach

object
Show child attributes

sendFunds.ach

estimatedActivity

object
Show child attributes

sendFunds.ach.estimatedActivity

averageTransactionAmount

integer<int64>

maximumTransactionAmount

integer<int64>

monthlyVolumeRange

string<enum>
The low value in each range is included. The high value in each range is excluded.
Possible values: under-10k, 10k-50k, 50k-100k, 100k-250k, 250k-500k, 500k-1m, 1m-5m, over-5m

instantBank

object
Show child attributes

sendFunds.instantBank

estimatedActivity

object
Show child attributes

sendFunds.instantBank.estimatedActivity

averageTransactionAmount

integer<int64>

maximumTransactionAmount

integer<int64>

monthlyVolumeRange

string<enum>
The low value in each range is included. The high value in each range is excluded.
Possible values: under-10k, 10k-50k, 50k-100k, 100k-250k, 250k-500k, 500k-1m, 1m-5m, over-5m

pushToCard

object
Show child attributes

sendFunds.pushToCard

estimatedActivity

object
Show child attributes

sendFunds.pushToCard.estimatedActivity

averageTransactionAmount

integer<int64>

maximumTransactionAmount

integer<int64>

monthlyVolumeRange

string<enum>
The low value in each range is included. The high value in each range is excluded.
Possible values: under-10k, 10k-50k, 50k-100k, 100k-250k, 250k-500k, 500k-1m, 1m-5m, over-5m

rtp

object
Show child attributes

sendFunds.rtp

estimatedActivity

object
Show child attributes

sendFunds.rtp.estimatedActivity

averageTransactionAmount

integer<int64>

maximumTransactionAmount

integer<int64>

monthlyVolumeRange

string<enum>
The low value in each range is included. The high value in each range is excluded.
Possible values: under-10k, 10k-50k, 50k-100k, 100k-250k, 250k-500k, 500k-1m, 1m-5m, over-5m

wire

object
Show child attributes

sendFunds.wire

estimatedActivity

object
Show child attributes

sendFunds.wire.estimatedActivity

averageTransactionAmount

integer<int64>

maximumTransactionAmount

integer<int64>

monthlyVolumeRange

string<enum>
The low value in each range is included. The high value in each range is excluded.
Possible values: under-10k, 10k-50k, 50k-100k, 100k-250k, 250k-500k, 500k-1m, 1m-5m, over-5m

status

string<enum> deprecated
Possible values: approved, rejected, pendingReview, pending, notRequested

volumeByCustomerType

object
Show child attributes

volumeByCustomerType

businessToBusinessPercentage

integer<int32> required

consumerToBusinessPercentage

integer<int32> required

volumeShareByCustomerType

object
Show child attributes

volumeShareByCustomerType

business

integer<int32>

consumer

integer<int32>

p2p

integer<int32>