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  1. API reference
  2. v2025.01.00
  3. Moov accounts
  4. Underwriting

Retrieve underwriting details

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.

GET
/accounts/{accountID}/underwriting
cURL Go TypeScript PHP Python Java Ruby 
curl -X GET "https://api.moov.io/accounts/{accountID}/underwriting" \
  -H "Authorization: Bearer {token}" \
  -H "x-moov-version: v2024.01.00" \

mc, _ := moov.NewClient()

var accountID string

mc.GetUnderwriting(ctx, accountID)

import { SDK } from "openapi";

const sdk = new SDK({
  xMoovVersion: "v2024.01.00",
});

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

  console.log(result);
}

run();
declare(strict_types=1);

require 'vendor/autoload.php';

use OpenAPI\OpenAPI;

$sdk = OpenAPI\SDK::builder()
    ->setXMoovVersion('v2024.01.00')
    ->build();



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

if ($response->underwriting !== null) {
    // handle response
}
from openapi import SDK


with SDK(
    x_moov_version="v2024.01.00",
) as sdk:

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

    # Handle response
    print(res)
package hello.world;

import java.lang.Exception;
import org.openapis.openapi.SDK;
import org.openapis.openapi.models.operations.GetUnderwritingResponse;

public class Application {

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

        SDK sdk = SDK.builder()
                .xMoovVersion("v2024.01.00")
            .build();

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

        if (res.underwriting().isPresent()) {
            // handle response
        }
    }
}
require 'openapi'

Models = ::OpenApiSDK::Models
s = ::OpenApiSDK::SDK.new(
      x_moov_version: 'v2024.01.00',
    )

res = s.underwriting.get(account_id: 'efe07546-f697-4da5-bf73-d9987efd4cdd')

unless res.underwriting.nil?
  # handle response
end
200 401 403 404 429 500 504
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"
      }
    }
  }
}

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

Specify an API version.

API versioning follows the format vYYYY.QQ.BB, where

  • YYYY is the year
  • QQ is the two-digit month for the first month of the quarter (e.g., 01, 04, 07, 10)
  • BB is the build number, starting at .01, for subsequent builds in the same quarter.
    • For example, v2024.01.00 is the initial release of the first quarter of 2024.

The dev version represents the most recent development state. It may include breaking changes and should be treated as a beta release. When no version is specified, the API defaults to v2024.01.00.

Path parameters

accountID

string required

Response

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

averageMonthlyTransactionVolume

integer<int64> required

averageTransactionSize

integer<int64> required

cardVolumeDistribution

object required
Show child attributes

cardPresentPercentage

integer<int32> required

debtRepaymentPercentage

integer<int32> required

ecommercePercentage

integer<int32> required

mailOrPhonePercentage

integer<int32> required

fulfillment

object required
Show child attributes

hasPhysicalGoods

boolean required

isShippingProduct

boolean required

returnPolicy

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

shipmentDurationDays

integer<int64> required

maxTransactionSize

integer<int64> required

status

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

volumeByCustomerType

object required
Show child attributes

businessToBusinessPercentage

integer<int32> required

consumerToBusinessPercentage

integer<int32> required