mutation SubmitUnderwritingApplication($input: UnderwritingApplicationSubmitInput!) {
submitUnderwritingApplication(input: $input) {
errors {
... 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
}
... on UnderwritingApplicationBankAccountFieldValidationError {
bankAccountId
code
field
message
}
... on UnderwritingApplicationFieldValidationError {
code
field
message
}
... on UnderwritingApplicationStakeholderFieldValidationError {
code
field
message
stakeholderId
}
... on UnderwritingApplicationValidationError {
code
message
}
}
underwritingApplication {
applicationEvents {
}
applicationIdentity {
applicantType
businessEntityType
businessName
isKnownEntity
isLegalAddressSameAsBusinessAddress
legalEntityName
merchantCategoryCode
serviceTelephoneNumber
softwareProviderNames
stateOfIncorporation
underwritingReference
underwritingRelationshipReference
websiteUrl
}
applicationStatus
assignee {
assignedDateTime
name
userId
}
attachments {
fileName
id
size
uploadedDateTime
}
bankAccounts {
accountNumberLast4
id
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
cardNotPresentMix
cardPresentMix
chargebackRate
currency
daysInCycle
deliveryTimeframe
exposure
highestTicketAmount
refundRate
}
queue
relationshipProcessingActivity {
advancedPaymentRate
averageAnnualSalesAmount
averageMonthlySalesAmount
averageTicketAmount
cardNotPresentMix
cardPresentMix
chargebackRate
currency
daysInCycle
deliveryTimeframe
exposure
highestTicketAmount
refundRate
}
schema {
createdDateTime
id
version
}
stakeholders {
emailAddress
id
ipAddress
ownershipPercentage
roles
}
submissionAttemptedDateTime
submissionSuccessfulDateTime
updatedBy {
name
type
}
updatedDateTime
}
}
}
{
"input": {
"id": "a1b2c3d4-e5f6-7890-abcd-ef1234567890"
}
}
curl --request POST \
--url https://api.sandbox.com/graphql \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer <YOUR_ACCESS_TOKEN>' \
--data '{
"query": "mutation SubmitUnderwritingApplication($input: UnderwritingApplicationSubmitInput!) {\n submitUnderwritingApplication(input: $input) {\n errors {\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 ... on UnderwritingApplicationBankAccountFieldValidationError {\n bankAccountId\n code\n field\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 UnderwritingApplicationValidationError {\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 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 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 cardNotPresentMix\n cardPresentMix\n chargebackRate\n currency\n daysInCycle\n deliveryTimeframe\n exposure\n highestTicketAmount\n refundRate\n }\n queue\n relationshipProcessingActivity {\n advancedPaymentRate\n averageAnnualSalesAmount\n averageMonthlySalesAmount\n averageTicketAmount\n cardNotPresentMix\n cardPresentMix\n chargebackRate\n currency\n daysInCycle\n deliveryTimeframe\n exposure\n highestTicketAmount\n refundRate\n }\n schema {\n createdDateTime\n id\n version\n }\n stakeholders {\n emailAddress\n id\n ipAddress\n ownershipPercentage\n roles\n }\n submissionAttemptedDateTime\n submissionSuccessfulDateTime\n updatedBy {\n name\n type\n }\n updatedDateTime\n }\n }\n}",
"variables": {
"input": {
"id": "a1b2c3d4-e5f6-7890-abcd-ef1234567890"
}
}
}'
{
"data": {
"submitUnderwritingApplication": {
"errors": [
{
"__typename": "ForbiddenError",
"advice": "example",
"code": "BAD_REQUEST",
"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",
"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",
"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,
"cardNotPresentMix": 0.05,
"cardPresentMix": 0.05,
"chargebackRate": 0.05,
"currency": "USD",
"daysInCycle": 0,
"deliveryTimeframe": 0,
"exposure": 100000,
"highestTicketAmount": 2500,
"refundRate": 0.05
},
"queue": "PARTNER",
"relationshipProcessingActivity": {
"advancedPaymentRate": 0.05,
"averageAnnualSalesAmount": 0,
"averageMonthlySalesAmount": 45000,
"averageTicketAmount": 150,
"cardNotPresentMix": 0.05,
"cardPresentMix": 0.05,
"chargebackRate": 0.05,
"currency": "USD",
"daysInCycle": 0,
"deliveryTimeframe": 0,
"exposure": 100000,
"highestTicketAmount": 2500,
"refundRate": 0.05
},
"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,
"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"
}
}
}
}
Mutations
submitUnderwritingApplication
Submit an underwriting application.
mutation SubmitUnderwritingApplication($input: UnderwritingApplicationSubmitInput!) {
submitUnderwritingApplication(input: $input) {
errors {
... 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
}
... on UnderwritingApplicationBankAccountFieldValidationError {
bankAccountId
code
field
message
}
... on UnderwritingApplicationFieldValidationError {
code
field
message
}
... on UnderwritingApplicationStakeholderFieldValidationError {
code
field
message
stakeholderId
}
... on UnderwritingApplicationValidationError {
code
message
}
}
underwritingApplication {
applicationEvents {
}
applicationIdentity {
applicantType
businessEntityType
businessName
isKnownEntity
isLegalAddressSameAsBusinessAddress
legalEntityName
merchantCategoryCode
serviceTelephoneNumber
softwareProviderNames
stateOfIncorporation
underwritingReference
underwritingRelationshipReference
websiteUrl
}
applicationStatus
assignee {
assignedDateTime
name
userId
}
attachments {
fileName
id
size
uploadedDateTime
}
bankAccounts {
accountNumberLast4
id
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
cardNotPresentMix
cardPresentMix
chargebackRate
currency
daysInCycle
deliveryTimeframe
exposure
highestTicketAmount
refundRate
}
queue
relationshipProcessingActivity {
advancedPaymentRate
averageAnnualSalesAmount
averageMonthlySalesAmount
averageTicketAmount
cardNotPresentMix
cardPresentMix
chargebackRate
currency
daysInCycle
deliveryTimeframe
exposure
highestTicketAmount
refundRate
}
schema {
createdDateTime
id
version
}
stakeholders {
emailAddress
id
ipAddress
ownershipPercentage
roles
}
submissionAttemptedDateTime
submissionSuccessfulDateTime
updatedBy {
name
type
}
updatedDateTime
}
}
}
{
"input": {
"id": "a1b2c3d4-e5f6-7890-abcd-ef1234567890"
}
}
curl --request POST \
--url https://api.sandbox.com/graphql \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer <YOUR_ACCESS_TOKEN>' \
--data '{
"query": "mutation SubmitUnderwritingApplication($input: UnderwritingApplicationSubmitInput!) {\n submitUnderwritingApplication(input: $input) {\n errors {\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 ... on UnderwritingApplicationBankAccountFieldValidationError {\n bankAccountId\n code\n field\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 UnderwritingApplicationValidationError {\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 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 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 cardNotPresentMix\n cardPresentMix\n chargebackRate\n currency\n daysInCycle\n deliveryTimeframe\n exposure\n highestTicketAmount\n refundRate\n }\n queue\n relationshipProcessingActivity {\n advancedPaymentRate\n averageAnnualSalesAmount\n averageMonthlySalesAmount\n averageTicketAmount\n cardNotPresentMix\n cardPresentMix\n chargebackRate\n currency\n daysInCycle\n deliveryTimeframe\n exposure\n highestTicketAmount\n refundRate\n }\n schema {\n createdDateTime\n id\n version\n }\n stakeholders {\n emailAddress\n id\n ipAddress\n ownershipPercentage\n roles\n }\n submissionAttemptedDateTime\n submissionSuccessfulDateTime\n updatedBy {\n name\n type\n }\n updatedDateTime\n }\n }\n}",
"variables": {
"input": {
"id": "a1b2c3d4-e5f6-7890-abcd-ef1234567890"
}
}
}'
{
"data": {
"submitUnderwritingApplication": {
"errors": [
{
"__typename": "ForbiddenError",
"advice": "example",
"code": "BAD_REQUEST",
"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",
"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",
"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,
"cardNotPresentMix": 0.05,
"cardPresentMix": 0.05,
"chargebackRate": 0.05,
"currency": "USD",
"daysInCycle": 0,
"deliveryTimeframe": 0,
"exposure": 100000,
"highestTicketAmount": 2500,
"refundRate": 0.05
},
"queue": "PARTNER",
"relationshipProcessingActivity": {
"advancedPaymentRate": 0.05,
"averageAnnualSalesAmount": 0,
"averageMonthlySalesAmount": 45000,
"averageTicketAmount": 150,
"cardNotPresentMix": 0.05,
"cardPresentMix": 0.05,
"chargebackRate": 0.05,
"currency": "USD",
"daysInCycle": 0,
"deliveryTimeframe": 0,
"exposure": 100000,
"highestTicketAmount": 2500,
"refundRate": 0.05
},
"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,
"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"
}
}
}
}
Mutation
Arguments
Show child attributes
Show child attributes
The unique identifier of the underwriting application to submit.
Return type
SubmitUnderwritingApplicationPayload!
Errors that occurred during the mutation, if any. Null or empty indicates success.
Show Possible types
Show Possible types
Show ForbiddenError
Show ForbiddenError
Show InvalidActorError
Show InvalidActorError
Show InvalidOrganizationError
Show InvalidOrganizationError
Show NotFoundError
Show NotFoundError
Show ServerError
Show ServerError
Show UnderwritingApplicationBankAccountFieldValidationError
Show UnderwritingApplicationBankAccountFieldValidationError
Represents a field-level validation error on a bank account within an underwriting application.
The associated bank account id
A static code for tying the response back programmaticallySee UnderwritingApplicationBankAccountFieldValidationGraphQlErrorCode
The field that is invalid
A helpful message to help fix the invalid value
Show UnderwritingApplicationFieldValidationError
Show UnderwritingApplicationFieldValidationError
Represents a field-level validation error on an underwriting application.
A static code for tying the response back programmatically.See UnderwritingApplicationFieldValidationErrorCode
The field that is invalid.
A helpful message to help fix the invalid value.
Show UnderwritingApplicationStakeholderFieldValidationError
Show UnderwritingApplicationStakeholderFieldValidationError
Represents a field-level validation error on a stakeholder within an underwriting application.
A static code for tying the response back programmaticallySee UnderwritingApplicationStakeholderFieldValidationErrorCode
The field that is invalid
A helpful message to help fix the invalid value
The associated stakeholder ID
Show UnderwritingApplicationValidationError
Show UnderwritingApplicationValidationError
Represents a validation error on an underwriting application that is not specific to a single field.
A static code for tying the response back programmatically.See UnderwritingApplicationValidationErrorCode
A helpful message to help fix the validation error.
The underwriting application that was created or updated.
Show child attributes
Show child attributes
The events associated with the application.See ApplicationEventCollection
The identity information of the application.See UnderwritingApplicationIdentity
The status of the application.See UnderwritingApplicationStatus
The user assigned to the application.See ApplicationAssignee
The attachments associated with the application.See Attachment
Bank account information. Optionally reveal sensitive fields for a specific bank account.See UnderwritingBankAccount
The date and time when the application was created.
The underwriting decision components for the application.See DecisionComponent
The decline reasons associated with the application. Empty when no reasons have been selected.See DeclineReason
A single dynamic field value looked up by the stable key of its root schema node, enabling field-style aliasing. Optionally scope to a decision-component item.See UnderwritingDynamicField
The dynamic field values captured on this application, assembled into the catalog’s recursive shape. Optionally scope to a single decision-component item (e.g. one owner); omit to return the values across all decision-component items and the application level.See UnderwritingDynamicField
The unique identifier of the application.
Information requests for this application.See UnderwritingInformationRequest
The status of information requests for this application.See UnderwritingApplicationInformationRequestStatus
The participants of the application.See BoardingApplicationParticipant
The process activity information of the application.See UnderwritingApplicationProcessingActivityOutput
The queue the application is assigned to.See WorkflowAssignment
The relationship-wide processing activity totals across all locations in the relationship, including this application. Null when not yet captured.See RelationshipProcessingActivityOutput
The underwriting decision components schema for the application.See UnderwritingDecisionComponentsSchema
Stakeholder information. Optionally reveal sensitive fields for a specific stakeholder.See StakeholderOutput
The date and time when the application submission was attempted.
The date and time when the application was successfully submitted.
The date and time when the application was last updated.
mutation SubmitUnderwritingApplication($input: UnderwritingApplicationSubmitInput!) {
submitUnderwritingApplication(input: $input) {
errors {
... 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
}
... on UnderwritingApplicationBankAccountFieldValidationError {
bankAccountId
code
field
message
}
... on UnderwritingApplicationFieldValidationError {
code
field
message
}
... on UnderwritingApplicationStakeholderFieldValidationError {
code
field
message
stakeholderId
}
... on UnderwritingApplicationValidationError {
code
message
}
}
underwritingApplication {
applicationEvents {
}
applicationIdentity {
applicantType
businessEntityType
businessName
isKnownEntity
isLegalAddressSameAsBusinessAddress
legalEntityName
merchantCategoryCode
serviceTelephoneNumber
softwareProviderNames
stateOfIncorporation
underwritingReference
underwritingRelationshipReference
websiteUrl
}
applicationStatus
assignee {
assignedDateTime
name
userId
}
attachments {
fileName
id
size
uploadedDateTime
}
bankAccounts {
accountNumberLast4
id
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
cardNotPresentMix
cardPresentMix
chargebackRate
currency
daysInCycle
deliveryTimeframe
exposure
highestTicketAmount
refundRate
}
queue
relationshipProcessingActivity {
advancedPaymentRate
averageAnnualSalesAmount
averageMonthlySalesAmount
averageTicketAmount
cardNotPresentMix
cardPresentMix
chargebackRate
currency
daysInCycle
deliveryTimeframe
exposure
highestTicketAmount
refundRate
}
schema {
createdDateTime
id
version
}
stakeholders {
emailAddress
id
ipAddress
ownershipPercentage
roles
}
submissionAttemptedDateTime
submissionSuccessfulDateTime
updatedBy {
name
type
}
updatedDateTime
}
}
}
{
"input": {
"id": "a1b2c3d4-e5f6-7890-abcd-ef1234567890"
}
}
curl --request POST \
--url https://api.sandbox.com/graphql \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer <YOUR_ACCESS_TOKEN>' \
--data '{
"query": "mutation SubmitUnderwritingApplication($input: UnderwritingApplicationSubmitInput!) {\n submitUnderwritingApplication(input: $input) {\n errors {\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 ... on UnderwritingApplicationBankAccountFieldValidationError {\n bankAccountId\n code\n field\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 UnderwritingApplicationValidationError {\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 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 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 cardNotPresentMix\n cardPresentMix\n chargebackRate\n currency\n daysInCycle\n deliveryTimeframe\n exposure\n highestTicketAmount\n refundRate\n }\n queue\n relationshipProcessingActivity {\n advancedPaymentRate\n averageAnnualSalesAmount\n averageMonthlySalesAmount\n averageTicketAmount\n cardNotPresentMix\n cardPresentMix\n chargebackRate\n currency\n daysInCycle\n deliveryTimeframe\n exposure\n highestTicketAmount\n refundRate\n }\n schema {\n createdDateTime\n id\n version\n }\n stakeholders {\n emailAddress\n id\n ipAddress\n ownershipPercentage\n roles\n }\n submissionAttemptedDateTime\n submissionSuccessfulDateTime\n updatedBy {\n name\n type\n }\n updatedDateTime\n }\n }\n}",
"variables": {
"input": {
"id": "a1b2c3d4-e5f6-7890-abcd-ef1234567890"
}
}
}'
{
"data": {
"submitUnderwritingApplication": {
"errors": [
{
"__typename": "ForbiddenError",
"advice": "example",
"code": "BAD_REQUEST",
"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",
"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",
"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,
"cardNotPresentMix": 0.05,
"cardPresentMix": 0.05,
"chargebackRate": 0.05,
"currency": "USD",
"daysInCycle": 0,
"deliveryTimeframe": 0,
"exposure": 100000,
"highestTicketAmount": 2500,
"refundRate": 0.05
},
"queue": "PARTNER",
"relationshipProcessingActivity": {
"advancedPaymentRate": 0.05,
"averageAnnualSalesAmount": 0,
"averageMonthlySalesAmount": 45000,
"averageTicketAmount": 150,
"cardNotPresentMix": 0.05,
"cardPresentMix": 0.05,
"chargebackRate": 0.05,
"currency": "USD",
"daysInCycle": 0,
"deliveryTimeframe": 0,
"exposure": 100000,
"highestTicketAmount": 2500,
"refundRate": 0.05
},
"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,
"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"
}
}
}
}
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