3.30. /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

Integration

Production

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

https://gate.payneteasy.eu/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.eu
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