3.42. /api/mfo/v2/scoring-result

Introduction

Card scoring result is initiated through HTTPS POST request by using URLs and the parameters specified below. Use OAuth HMAC-SHA1 for authentication. See Statuses. {orderId} in request URL is returned in Scoring Form response. {endpointId} in request URL is provided by Payment Gateway.

Form Request Results API

Note

The path in API URL should not be hardcoded, as it may be changed in future.

Integration

Production

https://sandbox.payneteasy.com/paynet/api/mfo/v2/scoring-result/{endpointId}/{orderId}

https://gate.payneteasy.com/paynet/api/mfo/v2/scoring-result/{endpointId}/{orderId}

Request parameters

This type of request has no parameters.

Response Parameters

Parameter name

Description

Format

error

If error occurs, here you may see brief error description.
Type: String

bankBin

Card`s bank identification number (As a rule, first 6 digits of the card number).
Type: Integer
Example: 444444

cardFound

This parameter shows if the system has card scoring information on this card or not.
Type: Boolean
Example: true

countIssuedFor180Days

The number of transactions for the issuance of MFI loans for the last 180 days.
Type: Integer
Example: 1

countIssuedFor30Days

The number of transactions for the issuance of MFI loans for the last 30 days.
Type: Integer
Example: 1

countIssuedFor90Days

The number of transactions for the issuance of MFI loans for the last 90 days.
Type: Integer
Example: 1

expiredMonth

Card expiration month.
Type: Integer
Example: 12

expiredYear

Card expiration year.
Type: Integer
Example: 2099

incomingTransferAmountFor30Days

Incoming transfer amount for 30 days.
Type: Decimal
Example: 100.25

incomingTransferAmountFor365Days

Incoming transfer amount for 365 days.
Type: Decimal
Example: 100.25

incomingTransferAmountFor60Days

Incoming transfer amount for 60 days.
Type: Decimal
Example: 100.25

incomingTransferAmountFor90Days

Incoming transfer amount for 90 days.
Type: Decimal
Example: 100.25

lastDischargeAmount

Amount of last repayment.
Type: Decimal
Example: 111.400

lastDischargeDate

Date of last repayment.
Type: YYYY.MM.DD
Example: 2015.07.24

lastFourDigits

Last 4 digits of the card number.
Type: Integer
Example: 1234

lastSuccessfulDischargeAmount

The amount of the last successful repayment.
Type: Decimal
Example: 1.400

lastSuccessfulDischargeDate

The date of the last successful repayment.
Type: YYYY.MM.DD
Example: 2015.07.24

mfoCountFor180Days

Number of unique MFIs conducting transactions in the last 180 days.
Type: Integer
Example: 1

mfoCountFor30Days

Number of unique MFIs conducting transactions in the last 30 days.
Type: Integer
Example: 1

mfoCountFor90Days

Number of unique MFIs conducting transactions in the last 90 days.
Type: Integer
Example: 1

mfoIssuedFor180Days

Number of unique MFIs that issued loans in the last 180 days.
Type: Integer
Example: 1

mfoIssuedFor30Days

Number of unique MFIs that issued loans in the last 30 days.
Type: Integer
Example: 1

mfoIssuedFor90Days

Number of unique MFIs that issued loans in the last 90 days.
Type: Integer
Example: 1

orderId

Number of the order generated in the system.
Type: Integer
Example: 3623277

outgoingTransferAmountFor30Days

Outgoing transfer amount for 30 days.
Type: Decimal
Example: 100.25

outgoingTransferAmountFor365Days

Outgoing transfer amount for 365 days.
Type: Decimal
Example: 100.25

outgoingTransferAmountFor60Days

Outgoing transfer amount for 60 days.
Type: Decimal
Example: 100.25

outgoingTransferAmountFor90Days

Outgoing transfer amount for 90 days.
Type: Decimal
Example: 100.25

totalDischargeAmount

Amount of all issued funds.
Type: Decimal
Example: 15.410

totalIssuedAmount

Amount of all disbursed funds.
Type: Decimal
Example: 10.420

totalRecurrentAmount

Amount of all forcibly written-off funds.
Type: Decimal
Example: 9.000

transfersFromMFO

Indicator of MFI loans.
Type: true/false
Example: true

Request example

POST /paynet/api/mfo/v2/scoring-result/3772/2763506
HTTP/1.1
Host: sandbox.payneteasy.com
User-Agent: curl/7.88.1
Accept: */*
Authorization: OAuth realm="",oauth_version="1.0",oauth_consumer_key="test_merch",oauth_timestamp="1707860432",oauth_nonce="Ng6vHfIZohT",oauth_signature_method="HMAC-SHA1",oauth_signature="xRipq64VebWslXFL1kVBy36dEmg%3D"
Content-Length: 142
Content-Type: application/x-www-form-urlencoded
Connection: close

oauth_consumer_key=test_merch&oauth_nonce=Ng6vHfIZohT&oauth_signature_method=HMAC-SHA1&oauth_timestamp=1707860432&oauth_version=1.0

Success Response Example

HTTP/2 200 OK
Date: Mon, 01 Dec 2020 11:47:18 GMT
Content-Type: application/json;charset=UTF-8

{
 "bankBin":499939,
 "cardFound":true,
 "countIssuedFor180Days":1,
 "countIssuedFor30Days":1,
 "countIssuedFor90Days":1,
 "incomingTransferAmountFor30Days":30.000,
 "incomingTransferAmountFor365Days":100.000,
 "incomingTransferAmountFor60Days":40.000,
 "incomingTransferAmountFor90Days":50.000,
 "lastDischargeAmount":10.000,
 "lastDischargeDate":"2023.03.26",
 "lastFourDigits":"5721",
 "lastSuccessfulDischargeAmount":10.000,
 "lastSuccessfulDischargeDate":"2023.03.26",
 "mfoCountFor180Days":1,
 "mfoCountFor30Days":1,
 "mfoCountFor90Days":1,
 "mfoIssuedFor180Days":1,
 "mfoIssuedFor30Days":1,
 "mfoIssuedFor90Days":1,
 "orderId":2709907,
 "outgoingTransferAmountFor30Days":10.000,
 "outgoingTransferAmountFor365Days":60.000,
 "outgoingTransferAmountFor60Days":20.000,
 "outgoingTransferAmountFor90Days":30.000,
 "totalDischargeAmount":200.000,
 "totalIssuedAmount":150.000,
 "totalRecurrentAmount":200.000
 "transfersFromMFO":false
}

Fail Response Example

HTTP/2 403 Forbidden
Date: Mon, 01 Dec 2020 11:47:18 GMT
Content-Type: application/x-www-form-urlencoded;charset=UTF-8

type=error
&serial-number=00000000-0000-0000-0000-000003da9cb1
&error-message=Forbidden
&error-code=-1

Request Builder

HTTP method
endpoint
orderId
url
version
consumer key
consumer secret
timestamp

nonce

signature method

normalized parameters
signature base string
signature
authorization header