Documentation Index
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type field and DecisionComponentReviewType on DecisionComponentReview
DecisionComponentReview carries a type field with a DecisionComponentReviewType enum (INQUIRY_DATA, REVIEW), distinguishing supplied inquiry data from match results. Sanctions components include an inquiry data review alongside matches.Application submission stall in CREATED status
Applications no longer stall in CREATED status when transient upstream communication errors occur during submission.SUBMISSION_FAILED status on decision components
Decision components correctly reflect SUBMISSION_FAILED status when the upstream evaluation returns no items.Auto-accept on decision component acceptance
Accepting a decision component automatically sets all non-INFORMATIONAL item statuses to ACCEPTED.STATUS_CHANGED webhook for SUBMISSION_FAILED
The UNDERWRITING_APPLICATION_UPDATED webhook fires with a STATUS_CHANGED change type when an application reaches SUBMISSION_FAILED status.averageAnnualSalesAmount on acceptor processing activity
averageAnnualSalesAmount is available on AcceptorApplicationProcessingActivityInput and AcceptorApplicationProcessingActivityOutput, previously limited to underwriting-specific processing activity types.Guidance text replaces status messages for missing website URL
Decision component results no longer include status messages when a business website URL is missing. Guidance text is the sole indicator.Annual sales in Alloy journey payloads
Alloy journey application request payloads includeannual_sales alongside monthly_sales, supporting potential exposure calculations based on annual volume.GraphQL schema descriptions
Enums, types, and error types carry GraphQL descriptions. Schema introspection doubles as documentation.guidance field on decision component items
DecisionComponentItem carries a guidance field with actionable text for items in ACTION_REQUIRED status.Attach uploads to multiple decision components
The attachment upload endpoint accepts an optionaldecisionComponentIds array. Link one upload to multiple decision components in a single request.Expanded Guarantor Credit Check and Mastercard MATCH results
Both decision components return expanded result data.Unrestricted businessName length
The 22-character cap on businessName is removed. Business names of any length are accepted.Website URL optional on MCC Confirmation and Site Inspection
The website URL field on both decision components is no longer required.averageAnnualSalesAmount on processing activity
averageAnnualSalesAmount is available on underwriting processing activity input and output, giving integrators a direct field for annual volume.QUESTION info request type reactivated
QUESTION is back as an active option on UnderwritingInformationRequestType.UNDERWRITING_APPLICATION_UPDATED webhook expanded
This webhook fires for attachment changes, decision component updates, and terminal status transitions. New change types: DECISION_COMPONENT_UPDATED and FILE_DELETED.Org-level DefaultDaysInCycle config
When set, daysInCycle auto-populates on new underwriting applications if the input omits it.Relaxed chargebackRate and refundRate validation
Both fields are truly optional on submitUnderwritingApplication.Deprecated: nameOnAccount
nameOnAccount on UnderwritingBankAccount and related input types is deprecated. Use underwritingIdentity.legalEntityName instead.Minor bug fixes and improvements
Breaking: info request input restructured
CreateUnderwritingInformationRequestInput uses a flat type-based input instead of the OneOf pattern with customInput/fromOptionInput. Specify a type enum value directly — CreateUnderwritingInformationRequestCustomInput and CreateUnderwritingInformationRequestFromOptionInput are removed.Breaking: info request option fields removed
id, isActive, createdDateTime, and updatedDateTime are removed from UnderwritingInformationRequestOptionOutput.New info request document types
Eight new values onUnderwritingInformationRequestType: ARTICLES_OF_INCORPORATION, BANK_LETTER_VOIDED_CHECK, BANK_STATEMENTS, BUSINESS_LICENSE, CERTIFICATE_OF_GOOD_STANDING, FINANCIAL_STATEMENTS, PASSPORT, and PROOF_OF_ADDRESS.defaultMerchantCategoryCode replaces merchantCategories
merchantCategories on UnderwritingApplicationIdentityInput is deprecated — only a single MCC is supported. Use defaultMerchantCategoryCode instead.Deprecated: BANK_LETTER, VOIDED_CHECK, and QUESTION request types
Use BANK_LETTER_VOIDED_CHECK instead of the first two. QUESTION is no longer available as a request option.Info request output enriched
type and fulfillmentTypes are available on underwriting info request output and option output types.Decision component schema authorization
requiredScopes and requiredRoles on UnderwritingDecisionComponentSchema expose per-component authorization requirements.RISK decision component result status
A new RISK value on DecisionComponentResultStatus supports fraud risk scoring.Org-scoped info request options
underwritingInformationRequestOptions returns options scoped to the requesting organization, with platform defaults as fallback.Webhook payload expanded for info requests
description and fulfillmentTypes are included in the UNDERWRITING_APPLICATION_UPDATED webhook payload for information request events.Expanded decision component result data
New result fields across Business Sanctions, MATCH, MCC Confirmation, Owner Identity, Owner ID Fraud, Owner Sanctions, and Site Inspection decision components.Website Review MCC field
MCC field status on the Website Review decision component always showsNOT_VERIFIED.Business Sanctions display fix
Watchlist match results display correctly; “workflow not run” results are hidden.Partial errors on decision component resolver
Decision component resolver errors no longer nullify the entire response. Failures surface in theerrors array with safe defaults for affected fields.