mutation CreateUnderwritingApplication($input: UnderwritingApplicationCreateInput!) {
  createUnderwritingApplication(input: $input) {
    errors {
      ... on UnderwritingApplicationBankAccountFieldValidationError {
        bankAccountId
        code
        field
        message
      }
      ... on UnderwritingApplicationValidationError {
        code
        message
      }
      ... on UnderwritingApplicationFieldValidationError {
        code
        field
        message
      }
      ... on UnderwritingApplicationStakeholderFieldValidationError {
        code
        field
        message
        stakeholderId
      }
      ... on ForbiddenError {
        advice
        code
        message
      }
      ... on InvalidActorError {
        advice
        code
        message
      }
      ... on InvalidOrganizationError {
        advice
        code
        message
      }
      ... on NotFoundError {
        advice
        code
        message
        resourceId
        resourceName
      }
      ... on ServerError {
        advice
        code
        message
      }
    }
    underwritingApplication {
      applicationEvents {

      }
      applicationIdentity {
        applicantType
        businessEntityType
        businessName
        isKnownEntity
        isLegalAddressSameAsBusinessAddress
        legalEntityName
        merchantCategoryCode
        naicsCode
        naicsDescription
        salesChannel
        serviceTelephoneNumber
        softwareProviderNames
        stateOfIncorporation
        underwritingReference
        underwritingRelationshipReference
        websiteUrl
      }
      applicationStatus
      assignee {
        assignedDateTime
        name
        userId
      }
      attachments {
        fileName
        id
        size
        uploadedDateTime
      }
      bankAccounts {
        accountNumberLast4
        id
        referenceNumber
        routingNumber
      }
      comments {
        content
        createdDateTime
        id
        updatedDateTime
      }
      createdBy {
        name
        type
      }
      createdDateTime
      decisionComponents {
        hasAttachments
        hasComments
        id
        status
        updatedDateTime
      }
      declineReasons {
        code
        message
      }
      dynamicField {
        children
        decisionComponentItemId
        fieldValue
        id
        parentDynamicFieldId
        selectedVariantKey
      }
      dynamicFields {
        children
        decisionComponentItemId
        fieldValue
        id
        parentDynamicFieldId
        selectedVariantKey
      }
      id
      informationRequests {
        applicationId
        createdDateTime
        description
        fulfilledDateTime
        fulfillmentAttachmentIds
        fulfillmentResponse
        fulfillmentTypes
        id
        status
        title
        type
        updatedDateTime
      }
      informationRequestStatus
      participants {
        role
      }
      processingActivity {
        advancedPaymentRate
        averageAnnualSalesAmount
        averageMonthlySalesAmount
        averageTicketAmount
        businessToBusinessMix
        cardNotPresentMix
        cardPresentMix
        chargebackRate
        currency
        customerInitiatedCardNotPresentMix
        daysInCycle
        deliveryTimeframe
        exposure
        highestTicketAmount
        merchantInitiatedCardNotPresentMix
        refundRate
        riskLevel
      }
      queue
      relationshipProcessingActivity {
        advancedPaymentRate
        averageAnnualSalesAmount
        averageMonthlySalesAmount
        averageTicketAmount
        businessToBusinessMix
        cardNotPresentMix
        cardPresentMix
        chargebackRate
        currency
        customerInitiatedCardNotPresentMix
        daysInCycle
        deliveryTimeframe
        exposure
        highestTicketAmount
        merchantInitiatedCardNotPresentMix
        refundRate
        riskLevel
      }
      schema {
        createdDateTime
        id
        version
      }
      stakeholders {
        emailAddress
        id
        ipAddress
        ownershipPercentage
        referenceNumber
        roles
      }
      submissionAttemptedDateTime
      submissionSuccessfulDateTime
      updatedBy {
        name
        type
      }
      updatedDateTime
    }

}
}

{
  "input": {
    "bankAccounts": [
      {
        "addBankAccountInput": "example",
        "removeBankAccountInput": "example",
        "updateBankAccountInput": "example"
      }
    ],
    "comments": [
      {
        "addCommentsInput": "example"
      }
    ],
    "processingActivity": {
      "advancedPaymentRate": 0.05,
      "averageAnnualSalesAmount": 0,
      "averageMonthlySalesAmount": 45000
    }
  }
}

curl --request POST \
  --url https://api.sandbox.com/graphql \
  --header 'Content-Type: application/json' \
  --header 'Authorization: Bearer <YOUR_ACCESS_TOKEN>' \
  --data '{
  "query": "mutation CreateUnderwritingApplication($input: UnderwritingApplicationCreateInput!) {\n  createUnderwritingApplication(input: $input) {\n    errors {\n      ... on UnderwritingApplicationBankAccountFieldValidationError {\n        bankAccountId\n        code\n        field\n        message\n      }\n      ... on UnderwritingApplicationValidationError {\n        code\n        message\n      }\n      ... on UnderwritingApplicationFieldValidationError {\n        code\n        field\n        message\n      }\n      ... on UnderwritingApplicationStakeholderFieldValidationError {\n        code\n        field\n        message\n        stakeholderId\n      }\n      ... on ForbiddenError {\n        advice\n        code\n        message\n      }\n      ... on InvalidActorError {\n        advice\n        code\n        message\n      }\n      ... on InvalidOrganizationError {\n        advice\n        code\n        message\n      }\n      ... on NotFoundError {\n        advice\n        code\n        message\n        resourceId\n        resourceName\n      }\n      ... on ServerError {\n        advice\n        code\n        message\n      }\n    }\n    underwritingApplication {\n      applicationEvents {\n\n      }\n      applicationIdentity {\n        applicantType\n        businessEntityType\n        businessName\n        isKnownEntity\n        isLegalAddressSameAsBusinessAddress\n        legalEntityName\n        merchantCategoryCode\n        naicsCode\n        naicsDescription\n        salesChannel\n        serviceTelephoneNumber\n        softwareProviderNames\n        stateOfIncorporation\n        underwritingReference\n        underwritingRelationshipReference\n        websiteUrl\n      }\n      applicationStatus\n      assignee {\n        assignedDateTime\n        name\n        userId\n      }\n      attachments {\n        fileName\n        id\n        size\n        uploadedDateTime\n      }\n      bankAccounts {\n        accountNumberLast4\n        id\n        referenceNumber\n        routingNumber\n      }\n      comments {\n        content\n        createdDateTime\n        id\n        updatedDateTime\n      }\n      createdBy {\n        name\n        type\n      }\n      createdDateTime\n      decisionComponents {\n        hasAttachments\n        hasComments\n        id\n        status\n        updatedDateTime\n      }\n      declineReasons {\n        code\n        message\n      }\n      dynamicField {\n        children\n        decisionComponentItemId\n        fieldValue\n        id\n        parentDynamicFieldId\n        selectedVariantKey\n      }\n      dynamicFields {\n        children\n        decisionComponentItemId\n        fieldValue\n        id\n        parentDynamicFieldId\n        selectedVariantKey\n      }\n      id\n      informationRequests {\n        applicationId\n        createdDateTime\n        description\n        fulfilledDateTime\n        fulfillmentAttachmentIds\n        fulfillmentResponse\n        fulfillmentTypes\n        id\n        status\n        title\n        type\n        updatedDateTime\n      }\n      informationRequestStatus\n      participants {\n        role\n      }\n      processingActivity {\n        advancedPaymentRate\n        averageAnnualSalesAmount\n        averageMonthlySalesAmount\n        averageTicketAmount\n        businessToBusinessMix\n        cardNotPresentMix\n        cardPresentMix\n        chargebackRate\n        currency\n        customerInitiatedCardNotPresentMix\n        daysInCycle\n        deliveryTimeframe\n        exposure\n        highestTicketAmount\n        merchantInitiatedCardNotPresentMix\n        refundRate\n        riskLevel\n      }\n      queue\n      relationshipProcessingActivity {\n        advancedPaymentRate\n        averageAnnualSalesAmount\n        averageMonthlySalesAmount\n        averageTicketAmount\n        businessToBusinessMix\n        cardNotPresentMix\n        cardPresentMix\n        chargebackRate\n        currency\n        customerInitiatedCardNotPresentMix\n        daysInCycle\n        deliveryTimeframe\n        exposure\n        highestTicketAmount\n        merchantInitiatedCardNotPresentMix\n        refundRate\n        riskLevel\n      }\n      schema {\n        createdDateTime\n        id\n        version\n      }\n      stakeholders {\n        emailAddress\n        id\n        ipAddress\n        ownershipPercentage\n        referenceNumber\n        roles\n      }\n      submissionAttemptedDateTime\n      submissionSuccessfulDateTime\n      updatedBy {\n        name\n        type\n      }\n      updatedDateTime\n    }\n  }\n}",
  "variables": {
    "input": {
      "bankAccounts": [
        {
          "addBankAccountInput": "example",
          "removeBankAccountInput": "example",
          "updateBankAccountInput": "example"
        }
      ],
      "comments": [
        {
          "addCommentsInput": "example"
        }
      ],
      "processingActivity": {
        "advancedPaymentRate": 0.05,
        "averageAnnualSalesAmount": 0,
        "averageMonthlySalesAmount": 45000
      }
    }
  }
}'

{
  "data": {
    "createUnderwritingApplication": {
      "errors": [
        {
          "__typename": "UnderwritingApplicationBankAccountFieldValidationError",
          "bankAccountId": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
          "code": "FIELD_TOO_LONG",
          "field": "example",
          "message": "example"
        }
      ],
      "underwritingApplication": {
        "applicationEvents": {
          "items": [
            "example"
          ],
          "pageInfo": "example"
        },
        "applicationIdentity": {
          "applicantType": "BILLER",
          "businessAddress": "example",
          "businessEntityType": "ASSOCIATION",
          "businessName": "Clacksworth Keyboards",
          "isKnownEntity": true,
          "isLegalAddressSameAsBusinessAddress": true,
          "legalAddress": "example",
          "legalEntityName": "Clacksworth Keyboards LLC",
          "merchantCategoryCode": "example",
          "naicsCode": "example",
          "naicsDescription": "example",
          "salesChannel": "E_COMMERCE",
          "sensitiveFields": "example",
          "serviceTelephoneNumber": "+15551234567",
          "softwareProviderNames": [
            "example"
          ],
          "stateOfIncorporation": "example",
          "taxIdentificationNumber": "example",
          "underwritingReference": "example",
          "underwritingRelationshipReference": "example",
          "websiteUrl": "https://clacksworth.com"
        },
        "applicationStatus": "APPROVED",
        "assignee": {
          "assignedBy": "example",
          "assignedDateTime": "2026-01-15T14:30:00Z",
          "name": "Ben Torres",
          "userId": "f47ac10b-58cc-4372-a567-0e02b2c3d479"
        },
        "attachments": [
          {
            "fileName": "business-license.pdf",
            "id": "c9a1e2d3-4b5f-6789-0abc-def123456789",
            "size": 0,
            "uploadedBy": "example",
            "uploadedDateTime": "2026-01-15T14:30:00Z"
          }
        ],
        "bankAccounts": [
          {
            "accountNumberLast4": "example",
            "id": "d8b2f3e4-5c6a-7890-1bcd-ef2345678901",
            "referenceNumber": 0,
            "routingNumber": "example",
            "sensitiveFields": "example"
          }
        ],
        "comments": [
          {
            "content": "Approved for mechanical keyboard accessories line.",
            "createdBy": "example",
            "createdDateTime": "2026-01-15T14:30:00Z",
            "decisionComponent": "example",
            "id": "e7c3a4b5-6d7e-8901-2cde-f34567890123",
            "lastUpdatedBy": "example",
            "updatedDateTime": "2026-01-15T14:30:00Z"
          }
        ],
        "createdBy": {
          "name": "Ben Torres",
          "type": "APP"
        },
        "createdDateTime": "2026-01-15T14:30:00Z",
        "decisionComponents": [
          {
            "attachments": [
              "example"
            ],
            "comments": [
              "example"
            ],
            "hasAttachments": true,
            "hasComments": true,
            "id": "b6d4e5f6-7a8b-9012-3def-456789012345",
            "items": [
              "example"
            ],
            "lastUpdatedBy": "example",
            "schema": "example",
            "status": "ACCEPTED",
            "updatedDateTime": "2026-01-15T14:30:00Z"
          }
        ],
        "declineReasons": [
          {
            "code": "DEROGATORY_BANKING_RELATIONSHIP",
            "message": "example"
          }
        ],
        "dynamicField": {
          "children": [
            "example"
          ],
          "decisionComponentItemId": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
          "fieldValue": "example",
          "id": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
          "parentDynamicFieldId": "c9a1e2d3-4b5f-6789-0abc-def123456789",
          "schema": "example",
          "selectedOptions": [
            "example"
          ],
          "selectedVariant": "example",
          "selectedVariantKey": "example",
          "sensitiveField": "example"
        },
        "dynamicFields": [
          {
            "children": [
              "example"
            ],
            "decisionComponentItemId": "d8b2f3e4-5c6a-7890-1bcd-ef2345678901",
            "fieldValue": "example",
            "id": "e7c3a4b5-6d7e-8901-2cde-f34567890123",
            "parentDynamicFieldId": "b6d4e5f6-7a8b-9012-3def-456789012345",
            "schema": "example",
            "selectedOptions": [
              "example"
            ],
            "selectedVariant": "example",
            "selectedVariantKey": "example",
            "sensitiveField": "example"
          }
        ],
        "id": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
        "informationRequests": [
          {
            "applicationId": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
            "createdBy": "example",
            "createdDateTime": "2026-01-15T14:30:00Z",
            "description": "example",
            "fulfilledBy": "example",
            "fulfilledDateTime": "2026-01-15T14:30:00Z",
            "fulfillmentAttachmentIds": [
              "c9a1e2d3-4b5f-6789-0abc-def123456789"
            ],
            "fulfillmentResponse": "example",
            "fulfillmentTypes": [
              "DOCUMENT"
            ],
            "id": "d8b2f3e4-5c6a-7890-1bcd-ef2345678901",
            "status": "FULFILLED",
            "title": "example",
            "type": "ARTICLES_OF_INCORPORATION",
            "updatedDateTime": "2026-01-15T14:30:00Z"
          }
        ],
        "informationRequestStatus": "AWAITING_INFORMATION",
        "participants": [
          {
            "organization": "example",
            "role": "BANK"
          }
        ],
        "processingActivity": {
          "advancedPaymentRate": 0.05,
          "averageAnnualSalesAmount": 0,
          "averageMonthlySalesAmount": 45000,
          "averageTicketAmount": 150,
          "businessToBusinessMix": 0.05,
          "cardNotPresentMix": 0.05,
          "cardPresentMix": 0.05,
          "chargebackRate": 0.05,
          "currency": "USD",
          "customerInitiatedCardNotPresentMix": 0.05,
          "daysInCycle": 0,
          "deliveryTimeframe": 0,
          "exposure": 100000,
          "highestTicketAmount": 2500,
          "merchantInitiatedCardNotPresentMix": 0.05,
          "refundRate": 0.05,
          "riskLevel": "HIGH"
        },
        "queue": "PARTNER",
        "relationshipProcessingActivity": {
          "advancedPaymentRate": 0.05,
          "averageAnnualSalesAmount": 0,
          "averageMonthlySalesAmount": 45000,
          "averageTicketAmount": 150,
          "businessToBusinessMix": 0.05,
          "cardNotPresentMix": 0.05,
          "cardPresentMix": 0.05,
          "chargebackRate": 0.05,
          "currency": "USD",
          "customerInitiatedCardNotPresentMix": 0.05,
          "daysInCycle": 0,
          "deliveryTimeframe": 0,
          "exposure": 100000,
          "highestTicketAmount": 2500,
          "merchantInitiatedCardNotPresentMix": 0.05,
          "refundRate": 0.05,
          "riskLevel": "HIGH"
        },
        "schema": {
          "createdDateTime": "2026-01-15T14:30:00Z",
          "id": "e7c3a4b5-6d7e-8901-2cde-f34567890123",
          "underwritingDecisionComponentSchemas": [
            "example"
          ],
          "version": "example"
        },
        "stakeholders": [
          {
            "emailAddress": "ben@clacksworth.com",
            "id": "b6d4e5f6-7a8b-9012-3def-456789012345",
            "ipAddress": "example",
            "ownershipPercentage": 0.05,
            "referenceNumber": 0,
            "roles": [
              "AUTHORIZED"
            ],
            "sensitiveFields": "example"
          }
        ],
        "submissionAttemptedDateTime": "2026-01-15T14:30:00Z",
        "submissionSuccessfulDateTime": "2026-01-15T14:30:00Z",
        "updatedBy": {
          "name": "Ben Torres",
          "type": "APP"
        },
        "updatedDateTime": "2026-01-15T14:30:00Z"
      }
    }
  }
}