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Documentation Index

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May 6, 2026
Added

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.
April 27, 2026
Fixed

Application submission stall in CREATED status

Applications no longer stall in CREATED status when transient upstream communication errors occur during submission.
April 20, 2026
Fixed

SUBMISSION_FAILED status on decision components

Decision components correctly reflect SUBMISSION_FAILED status when the upstream evaluation returns no items.
April 17, 2026
Changed

Auto-accept on decision component acceptance

Accepting a decision component automatically sets all non-INFORMATIONAL item statuses to ACCEPTED.
April 16, 2026
AddedChanged

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 include annual_sales alongside monthly_sales, supporting potential exposure calculations based on annual volume.
April 14, 2026
AddedChanged

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 optional decisionComponentIds 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.
April 7, 2026
Added

TRUST business entity type

TRUST is a value on the BusinessEntityType enum.

underwritingReference and acceptorReference on boarding webhooks

Both fields are included in boarding webhook payloads.
March 31, 2026
AddedChangedDeprecatedFixed

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

March 20, 2026
Breaking changeAddedChangedDeprecatedFixed

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 on UnderwritingInformationRequestType: 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 shows NOT_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 the errors array with safe defaults for affected fields.

Minor bug fixes and improvements