Description
\nSubmits application data for processing in the applicant-driven flow, using the merchant's offers stacks.
\nThis endpoint is intended to initiate a new Finturf loan application from the merchant or partner system via embedded script.
\nA successful request returns HTTP 201 Created, including the application identifier and a URL where the applicant can complete their process.
\n\n
Request Body
\n\n
Response
\nStatus: 201 Created
\n{\n \"url\": \"https://dev-m.finturf.com/customer/0985d2b1e33eaed828f90d1cbd36b9be109e0a72e939ed0069d65338b23638b9?redirectBy=email\",\n \"identifier\": \"b9c6c1f7-98ef-47f2-bb3a-9f1f431b1d4a\"\n}\n\nDescription
\nSubmits applicant data to initiate a new Finturf loan application in the applicant-driven flow via embedded script.
\nA successful 201 response returns an identifier (application ID) and a url — used as the embeddedLink query parameter to launch the applicant flow in an iframe overlay.
\n
Embedded Setup
\nStep 1 — Include the script in your page
\n<script src=\"https://merchant.finturf.com/public/embedded/embeddedApp.js\"></script>\n\n\n
Step 2 — (Optional) Override callbacks
\nonOfferSelect fires when the customer selects an offer. The iframe closes before this runs.
FinturfEmbedded.onOfferSelect = () => {\n // Add your post-selection logic here\n return null;\n};\n\nonClose fires if the customer closes the iframe without selecting an offer. Skip if no handling needed.
FinturfEmbedded.onClose = () => {\n return null;\n};\n\n\n
Step 3 — POST applicant data (server-side)
\nMake a server-side POST request with the applicant payload (see Request Body below). Redirect the user to your embedded page with the url from the response appended as the embeddedLink query parameter:
https://yourpage.com/apply?embeddedLink=<url from response>\n\n\n
Step 4 — Launch the iframe
\nOn page load, the script reads embeddedLink from the URL and launches the iframe automatically:
javascript
\nasync function createEmbeddedApp() {\n const query = window.location.search.substring(1);\n const match = query.match(/embeddedLink=(.+)/);\n let embeddedUrl = match ? decodeURIComponent(match[1]) : null;\n // Dev override — remove before deploying to production\n if (window.location.hostname === 'localhost') {\n embeddedUrl = embeddedUrl.replace('https://partner2.finturf.com', 'http://localhost:3004');\n }\n FinturfEmbedded.processFinturfApp(embeddedUrl);\n}\ncreateEmbeddedApp();\n\n\n
Request Body
\n\n
Response
\nStatus: 201 Created
\n{\n \"identifier\": \"QRJ78242\",\n \"embeddedUrl\": \"https://partner2.finturf.com/app/9030581b8316ec8e81f94e0687d19e272b15974350c041bfca03f9c6b64656e0?embedded=true&applicationByApi=true\",\n \"applicationUrl\": \"https://partner2.finturf.com/app/9030581b8316ec8e81f94e0687d19e272b15974350c041bfca03f9c6b64656e0?applicationByApi=true\",\n \"merchantPortalUrl\": \"https://partner2.finturf.com/applications/32a37f37-3a9e-4e19-9b3f-1cc5ff53a556\"\n}\n\nDescription
\nSubmits application data for processing in the merchant-driven flow, using the merchant's offers stacks.
\nThis endpoint is used to initiate a new loan application directly from the merchant or partner system.
\nA successful request returns HTTP 201 Created, including the application identifier and a URL where the applicant can complete their process.
\n\n
Submits application data for processing in the applicant-driven flow, using merchant offerStacks or the default merchant filter.
\nThis endpoint is used to initiate a new loan application directly from the merchant or partner system.
\nA successful request returns HTTP 201 Created, including the unique application ID and URL.
\n\n
Request Body
\nStatus: 201 Created
\n{\n \"id\": \"e5b2d6ef-2c9e-4a7b-8d91-4fa9816a3f7b\",\n \"url\": \"https://application.finturf.com/start/e5b2d6ef-2c9e-4a7b-8d91-4fa9816a3f7b\"\n}\n\nThis API endpoint allows you to update an offer for a specific application. You can send an HTTP PATCH request to the specified URL with the identifier and the offer ID in the request body to select an offer.
\nRequest Body
\n- \n
- offerId (string, required): The ID of the offer that the consumer prefers to choose. \n
Response
\nThe successful response of this request returns 204 No Content.
\n","auth":{"type":"apikey","apikey":{"value":"{{x-merchant-token}}","key":"This endpoint requests funds for an application that satisfies valid conditions (e.g., a signed contract). On success, it returns a JSON response with a success status and an estimatedPayout amount.
Description
\nUsed to initiate a change order for an existing application.
\nThis endpoint allows updating the project amount or related financial details after the original application has been approved or is in progress.
\nThe change order operation is only available for specific application statuses.
\nA successful request returns HTTP 204 No Content.
\n\n
Request Body
\n\n
Allowed Application Statuses
\nChange Orders are available only when the application status is one of the following:
\n- \n
\nContract Signed\n
\nAction Required\n
\nNotice To Proceed\n
\nCompletion Certificate Pending\n
\nChange order: Completed\n
\nChange order: In review\n
\nChange order: Declined\n
\nChange order: Error\n
\nChange order: Pending\n
\nChange order: Rejected\n
Response
\nStatus: 204 No Content
\n","auth":{"type":"apikey","apikey":{"value":"{{x-merchant-token}}","key":"Description
\nUsed to recalculate loan terms based on an updated project amount.
\nThis endpoint is available only for applications in the Pre-Qualified status.
\nIt allows merchants or partners to refresh the applicant’s loan options before submission for approval.
\nA successful request returns HTTP 204 No Content.
\n\n
Request Body
\n\n
Allowed Application Status
\n- \n
Pre-Qualified\n
Response
\nStatus: 204 No Content
\n","auth":{"type":"apikey","apikey":{"value":"{{x-merchant-token}}","key":"Retrieves detailed information about a specific application.
\nThe response includes identifiers, status, funding details, and a list of available offers with associated loan terms and promotional information.
\nA successful request returns HTTP 200 OK, containing the full application object.
\n\n
Response Schema
\n\n
Offer Object Schema
\n\n
Promotion Object Schema
\n","auth":{"type":"apikey","apikey":{"value":"{{x-merchant-token}}","key":"Description
\nRetrieves a paginated list of applications submitted by the partner or merchant.
\nThis endpoint supports sorting and pagination parameters, allowing clients to query applications efficiently.
\nEach record includes the unique application identifier and its current status.
\nA successful request returns HTTP 200 OK, containing the total number of records and pages.
\n\n
Query Parameters
\nResponse
\nStatus: 200 OK
\n","auth":{"type":"apikey","apikey":{"value":"{{x-merchant-token}}","key":"This endpoint makes an HTTP GET request to retrieve a list of industries from the merchant API. The response for this request is a JSON array containing objects with \"id\" and \"name\" properties.
\n","auth":{"type":"apikey","apikey":{"value":"{{x-merchant-token}}","key":"🔄 Application Workflow
\n1. Customer Applies → 2. Review Multiple Offers → 3. Select Best Offer → 4. Request Funds → 5. Get Funded\n\n\n
📝 Application Management
\n\n\n🎯 Purpose: Complete consumer application lifecycle with advanced workflows
\n
✨ Capabilities
\n💼 Use Cases
\n🛒 Applicant-Driven Flow
\nAllow customers to browse and select from multiple financing offers, giving them choice and transparency.
\nCustomer → See Multiple Offers → Compare Terms → Select Best Fit → Get Funded\n\n📦 Merchant-Defined Offers
\nPresent customers with curated offer stacks that match your business model and customer segments.
\n🎨 Custom Checkout Experience
\nBuild seamless financing flows directly into your checkout process with your branding.
\n⚖️ Offer Comparison
\nEnable customers to compare loan terms, rates, and monthly payments side-by-side.
\nFlows
\nMDF Application Flow (Merchant Driven with Offer Stacks)
\nPurpose: Merchant-initiated application flow where merchant submits application with offer stack preference
\nSteps:
\n- \n
Merchant Initiates - Merchant user submits application including:
\n- \n
Consumer application data
\n \nPreferred offer stack
\n \nOptional return URL
\n \n
\nSubmit Application - Partner calls
\nPOST /applications/mdf(Merchant Driven Filter) \nFinturf Returns Link - Finturf responds with unique Application Link
\n \nRedirect to Finturf - Partner redirects merchant user to Finturf environment (can be white-labeled)
\n \nMerchant Selects Offers - Merchant user reviews and selects financing offer(s) in Finturf
\n \nSend to Consumer - Finturf sends Application Link to consumer via email/SMS
\n \nConsumer Completes - Consumer completes application in Finturf
\n \nLender Environment - Consumer is directed to lender environment to sign loan agreement
\n \nReal-Time Status - Finturf sends Application Status Webhooks to partner in real-time
\n \n
Application Consumer Flow (Partner Hosted)
\nPurpose: Consumer application flow where partner hosts the offer selection experience
\nSteps:
\n- \n
Consumer Applies - Consumer fills in application in partner's environment
\n \nSubmit Application - Partner calls
\nPOST /applicationsAPI \nFinturf Returns URL - Finturf returns Application URL and sends webhook
\n- \n
- Partner should include return URL for redirection if not prequalified \n
\nPrequalification Check - Is consumer prequalified with main flow lenders?
\n \nIf NO: - Consumer is redirected to partner's return URL - Application flow ends
\n \nIf YES: - Application goes through Finturf ping tree - Lenders without smart fields process first
\n \nGet Offers - Partner calls
\nGET /applications/{id}/detailsor listens to Offers Webhook \nConsumer Selects Offer - Consumer views and selects preferred offer in partner's environment
\n \nSubmit Offer Selection - Partner calls
\nPATCH /applications/{id}/offerwith selected offer \nAction Required Check - Does merchnat need to provide project details to lender?
\n \nIf NO: - Proceed to the next step
\n \nIf YES: - Listen to the webhook and use actionRequiredRedirectUrl to submit project details.
\n \nRequest Funds - Partner listens webhook and uses fundRequestRedirectUrl to request funds for application.
\n \nStatus Updates - Partner listens to status webhooks for real-time updates
\n \n
Application Consumer Flow (Finturf Hosted)
\nPurpose: Consumer application flow where Finturf hosts the offer selection experience
\nSteps:
\n- \n
Consumer Applies - Consumer fills in application in partner's environment
\n \nSubmit Application - Partner calls
\nPOST /applicationsAPI \nFinturf Returns URL - Finturf returns Application URL and sends webhook
\n- \n
- Partner should include return URL for redirection if not prequalified \n
\nPrequalification Check - Is consumer prequalified with any lenders?
\n \nIf NO: - Consumer is redirected to partner's return URL - Application flow ends
\n \nIf YES: - Consumer is redirected to Finturf environment via Application URL - Application goes through Finturf ping tree
\n \nOffer Selected - Consumer completes offer selection in Finturf
\n \nRedirect to Partner - Consumer is redirected back to partner environment
\n \nStatus Webhooks - Partner listens to Application Status Webhooks for updates
\n \nFund Request - Partner listens webhook and uses fundRequestRedirectUrl to request funds for application.
\n \n
Retrieves a paginated list of offer stacks available to a specific merchant.
\nOffer stacks define the range of financing terms and expected offers a merchant can provide to customers.
\nEach stack represents a configuration of APR, MDR, merchant fee, and term limits used in loan offer matching.
\n\n
Query Parameters
\n- \n
page (number): The page number to retrieve. Default:
\n1. \nperPage (number): Number of records per page. Default:
\n10. \nhost (string): White-label host domain.
\n \n
\n
Response
\n200 OK
\nReturns a paginated list of offer stack configurations for the specified merchant.
\n","auth":{"type":"apikey","apikey":{"value":"{{x-merchant-token}}","key":"Used to retrieve an estimated loan offer based on a specific offer stack and industry for a given merchant.
\nThis endpoint returns estimated financing terms such as APR, term length, and monthly payment, including promotional details if applicable.
\n\n
Query Parameters
\n- \n
requestedAmount (number): The requested loan amount for estimation. (Required)
\n \nhost (string): White-label host domain.
\n \n
\n
Response
\n200 OK
\nReturns an estimated loan offer based on the selected offer stack and industry.
\n","auth":{"type":"apikey","apikey":{"value":"{{x-merchant-token}}","key":"Used to retrieve a group of estimated loan offers based on a specific offer stack and industries for a given merchant.
\nThis endpoint returns estimated financing terms such as APR, term length, and monthly payment, including promotional details if applicable.
\n\n
Body
\n- \n
requestedAmount (number): The requested loan amount for estimation. (Required)
\n \nofferStackId (UUID): The UUID of the specific offer stack assigned to the merchant. (Required)
\n \nIndustryId (UUID): The UUID of the specific industry assigned to the merchant. (Required)
\n \n
\n
Response
\n200 OK
\nReturns an estimated loan offers based on the selected offer stacks and industries.
\n","auth":{"type":"apikey","apikey":{"value":"{{x-merchant-token}}","key":"📦 Merchant Offer Stacks
\n\n\n🎯 Purpose: Manage and preview pre-configured financing offer packages
\n
✨ Capabilities
\n- \n
List Offer Stacks - Get available offer packages
\n \nGet Estimates - Preview offers based on amount and industry
\n \nOffer Details - View terms, rates, and conditions
\n \nApplication Integration - Use stacks in application workflows
\n \n
💼 Use Cases
\n💰 Pre-Qualified Offers
\nShow customers estimated financing terms before they apply.
\n🛒 Simplified Checkout
\nPresent curated offer packages instead of individual lender options.
\n🎯 Custom Programs
\nCreate merchant-specific offer packages with negotiated terms.
\n🧮 Financing Calculator
\nBuild interactive calculators for customer-facing websites.
\nFlow
\nApplication Estimation
\nPurpose: Allow merchants to view estimated monthly payments before submitting applications
\nSteps:
\n- \n
Merchant Views Plans - Merchant user clicks on financing plans dropdown in partner environment
\n \nRetrieve Offer Stacks - Partner calls
\nGET /merchants/{id}/offer-stacksto get available stacks- \n
- Note: Finturf team must assign offer stacks to merchant beforehand (prerequisite) \n
\nMerchant Selects Parameters - Merchant selects:
\n- \n
Offer stack
\n \nJob amount (requested loan amount)
\n \nIndustry
\n \n
\nGet Estimate - Partner calls
\nGET /offer-stacks/{stack_id}/industry/{industry_id}/estimate\nDisplay Estimate - Partner displays estimated monthly payment returned by Finturf
\n \nSubmit Application - User proceeds to submit Merchant Driven Application with selected parameters
\n \n
Creates a new webhook subscription for a partner account.
\nWebhooks enable automatic notifications when specific events occur — such as updates to applications or merchants.
\nEach subscription defines a target URL, authentication method, and one or more event types with the corresponding statuses that should trigger notifications.
\nA successful request returns HTTP 201 Created, including the unique subscription ID.
\n\n
Request Body
\nEvent Object Schema
\nEvent Status Enums
\nApplication Event Statuses
\nnoHitByTU, approved, offerSelected, preApproved, contractSigned, fundsReleased, notPreApproved, declined, error, documentUploadPending, reviewByLender, pending, noticeToProceed, customerRejectOffers, declinedByCustomer, allOffersWereRejectedByCustomer, customerRejectLender, fundsRequested, fundsRequestedPending, fundsRequestedConfirmed, fundsRequestedRejected, fundsRequestedCompleted, partiallyFunded, canceled, changeOrderPending, changeOrderConfirmed, changeOrderRejected, changeOrderCompleted, changeOrderError, expired \n\nApplication Statuses Descriptions:
\nMerchant Event Statuses
\nemailSent,\nreview,\npaused,\nsignUpNotComplete,\nsoftDecline,\nhardDecline,\nterminated,\n\nResponse
\nStatus: 201 Created
{\n \"id\": \"154ec35b-6d16-49c4-9738-85cebf6144f8\"\n}\n\nRetrieves details of a specific webhook subscription by its unique ID.
\nThis endpoint returns configuration data including the webhook name, target URL, authentication type, and subscribed event types with their associated statuses.
\nA successful request returns HTTP 200 OK along with the webhook subscription details.
\n","auth":{"type":"apikey","apikey":{"value":"{{x-merchant-token}}","key":"Retrieves all webhook subscriptions configured for the partner or merchant account. Each subscription specifies the events and statuses that trigger a webhook notification.
\nResponse
\n200 OK
\nReturns a paginated list of webhook subscriptions, including their configuration details and event triggers.
\n","auth":{"type":"apikey","apikey":{"value":"{{x-merchant-token}}","key":"Deletes a specific webhook subscription identified by its ID. Once deleted, no further webhook events will be sent to the associated URL.
\nResponse
\n204 No Content
\nIndicates the webhook subscription was successfully deleted. No response body is returned.
\n","auth":{"type":"apikey","apikey":{"value":"{{x-merchant-token}}","key":"🔔 Webhook Subscription
\n\n\n🎯 Purpose: Configure real-time webhook notifications for platform events
\n
✨ Capabilities
\n- \n
- Create Subscriptions - Set up webhooks for specific events \n
- Retrieve Config - Get webhook configuration details \n
- List Webhooks - View all active subscriptions \n
- Update Settings - Modify webhook endpoints \n
- Delete Subscriptions - Remove webhook subscriptions \n
💼 Use Cases
\n⚡ Real-Time Updates
\nReceive instant notifications when application or merchant statuses change.
\n🔄 Event-Driven Architecture
\nTrigger automated workflows based on Finturf platform events.
\n🔄 Status Sync
\nKeep your system synchronized with Finturf data in real-time.
\n📧 Customer Communications
\nSend automated emails or SMS based on application progress.
\n🐛 Integration Monitoring
\nTrack webhook delivery and troubleshoot integration issues.
\n","_postman_id":"d5a39b0b-1f11-4fea-8eda-fa2d39fa6776","auth":{"type":"apikey","apikey":{"value":"{{x-merchant-token}}","key":"🏪 v2 Merchant API
\n\n\n🎯 Purpose: Enable merchants to manage the complete consumer financing application lifecycle
\n
The v2 Merchant API provides advanced application management capabilities for merchants who want to offer their customers multiple financing options, compare offers, and manage the entire funding process from a single integration.
\n\n\n📌 Environment Information:
\n
Base URLs:
- Test: https://stage-m-api.finturf.com
- Production: https://merchant-api.finturf.com
Authentication:
- Header: `X-MERCHANT-TOKEN`
- Staging: Provided by Finturf
- Production: Create in Merchant Portal
- Wl-host: Partner's subdomain in Finturf system, provided by Finturf
🌟 Key Features
\n","auth":{"type":"apikey","apikey":{"value":"{{x-merchant-token}}","key":"Submits application data for processing in the applicant-driven flow, using the merchant offer stack or the default merchant filter.
\nThis endpoint is intended to initiate a new Finturf loan application from the merchant or partner system via API. The user will have to use api endpoints link to continue the main flow, and the link in case the application will fallback to the decline flow.
\nA successful request returns HTTP 201 Created, including the unique application ID and URL.
\n\n
Request Body
\n\n
Response
\nStatus: 201 Created
\n{\n \"url\": \"https://dev-m.finturf.com/customer/0985d2b1e33eaed828f90d1cbd36b9be109e0a72e939ed0069d65338b23638b9?redirectBy=email\",\n \"identifier\": \"b9c6c1f7-98ef-47f2-bb3a-9f1f431b1d4a\"\n}\n\nDescription
\nSubmits application data for processing in the applicant-driven flow, using the merchant's offers stacks.
\nThis endpoint is intended to initiate a new Finturf loan application from the Finturf merchant portal. The user will have to use the application link to continue the flow.
\nA successful request returns HTTP 201 Created, including the application identifier and a URL where the applicant can complete their process.
\n\n
Request Body
\n\n
Response
\nStatus: 201 Created
\n{\n \"id\": \"e5b2d6ef-2c9e-4a7b-8d91-4fa9816a3f7b\",\n \"identifier\": \"https://application.finturf.com/start/e5b2d6ef-2c9e-4a7b-8d91-4fa9816a3f7b\"\n}\n\nDescription
\nSubmits applicant data to initiate a new Finturf loan application in the applicant-driven flow via embedded script.
\nA successful 201 response returns an identifier (application ID) and a url — used as the embeddedLink query parameter to launch the applicant flow in an iframe overlay.
\n
Embedded Setup
\nStep 1 — Include the script in your page
\n<script src=\"https://merchant.finturf.com/public/embedded/embeddedApp.js\"></script>\n\n\n
Step 2 — (Optional) Override callbacks
\nonOfferSelect fires when the customer selects an offer. The iframe closes before this runs.
FinturfEmbedded.onOfferSelect = () => {\n // Add your post-selection logic here\n return null;\n};\n\nonClose fires if the customer closes the iframe without selecting an offer. Skip if no handling needed.
FinturfEmbedded.onClose = () => {\n return null;\n};\n\n\n
Step 3 — POST applicant data (server-side)
\nMake a server-side POST request with the applicant payload (see Request Body below). Redirect the user to your embedded page with the url from the response appended as the embeddedLink query parameter:
https://yourpage.com/apply?embeddedLink=<url from response>\n\n\n
Step 4 — Launch the iframe
\nOn page load, the script reads embeddedLink from the URL and launches the iframe automatically:
javascript
\nasync function createEmbeddedApp() {\n const query = window.location.search.substring(1);\n const match = query.match(/embeddedLink=(.+)/);\n let embeddedUrl = match ? decodeURIComponent(match[1]) : null;\n // Dev override — remove before deploying to production\n if (window.location.hostname === 'localhost') {\n embeddedUrl = embeddedUrl.replace('https://partner2.finturf.com', 'http://localhost:3004');\n }\n FinturfEmbedded.processFinturfApp(embeddedUrl);\n}\ncreateEmbeddedApp();\n\n\n
Request Body
\n\n
Response
\nStatus: 201 Created
\n{\n \"identifier\": \"QRJ78242\",\n \"embeddedUrl\": \"https://partner2.finturf.com/app/9030581b8316ec8e81f94e0687d19e272b15974350c041bfca03f9c6b64656e0?embedded=true&applicationByApi=true\",\n \"applicationUrl\": \"https://partner2.finturf.com/app/9030581b8316ec8e81f94e0687d19e272b15974350c041bfca03f9c6b64656e0?applicationByApi=true\",\n \"merchantPortalUrl\": \"https://partner2.finturf.com/applications/32a37f37-3a9e-4e19-9b3f-1cc5ff53a556\"\n}\n\nDescription
\nSubmits application data for processing in the merchant-driven flow, using the merchant's offers stacks.
\nThis endpoint is used to initiate a new loan application directly from the merchant or partner system.
\nA successful request returns HTTP 201 Created, including the application identifier and a URL where the applicant can complete their process.
\n\n
Request Body
\nResponse
\nStatus: 201 Created
\n{\n \"identifier\": \"e5b2d6ef-2c9e-4a7b-8d91-4fa9816a3f7b\",\n \"url\": \"https://application.finturf.com/start/e5b2d6ef-2c9e-4a7b-8d91-4fa9816a3f7b\"\n}\n\nThis API endpoint allows you to update an offer for a specific application. You can send an HTTP PATCH request to the specified URL with the identifier and the offer ID in the request body to update the offer details. Uses partner authorization method.
\nRequest Body
\n- \n
- offerId (string, required): The ID of the offer to be updated. \n
Response
\nThe successful response of this request returns 204 No Content.
\n","auth":{"type":"apikey","apikey":{"key":"This endpoint requests funds for an application that satisfies valid conditions (e.g., a signed contract). Uses partner authorization method. On success, it returns a JSON response with a success status and an estimatedPayout amount.
Description
\nUsed to initiate a change order for an existing application.
\nThis endpoint allows updating the project amount or related financial details after the original application has been approved or is in progress.
\nThe change order operation is only available for specific application statuses.
\nA successful request returns HTTP 204 No Content.
\n\n
Request Body
\n\n
Allowed Application Statuses
\nChange Orders are available only when the application status is one of the following:
\n- \n
\nContract Signed\n
\nAction Required\n
\nNotice To Proceed\n
\nCompletion Certificate Pending\n
\nChange order: Completed\n
\nChange order: In review\n
\nChange order: Declined\n
\nChange order: Error\n
\nChange order: Pending\n
\nChange order: Rejected\n
Response
\nStatus: 204 No Content
\n","auth":{"type":"apikey","apikey":{"key":"Description
\nUsed to recalculate loan terms based on an updated project amount.
\nThis endpoint is available only for applications in the Pre-Qualified status.
\nIt allows merchants or partners to refresh the applicant’s loan options before submission for approval.
\nA successful request returns HTTP 204 No Content.
\n\n
Request Body
\n\n
Allowed Application Status
\n- \n
Pre-Qualified\n
Response
\nStatus: 204 No Content
\n","auth":{"type":"apikey","apikey":{"key":"Retrieves detailed information about a specific application.
\nThe response includes identifiers, status, funding details, and a list of available offers with associated loan terms and promotional information.
\nA successful request returns HTTP 200 OK, containing the full application object.
\n\n
Response Schema
\n\n
Offer Object Schema
\n\n
Promotion Object Schema
\n","auth":{"type":"apikey","apikey":{"key":"Description
\nRetrieves a paginated list of applications associated with a specific partner account.
\nThis endpoint uses partner-level authorization and supports pagination and sorting to help partners efficiently review application statuses across multiple merchants.
\nEach record includes the application’s unique identifier, status, and the associated merchant ID.
\nA successful request returns HTTP 200 OK, containing the total number of records and pages.
\n\n
Query Parameters
\n","auth":{"type":"apikey","apikey":{"key":"This endpoint makes an HTTP GET request to retrieve a list of industries from the merchant API. The response for this request is a JSON array containing objects with \"id\" and \"name\" properties.
\n","auth":{"type":"apikey","apikey":{"key":"📝 Application
\n\n\n🎯 Purpose: Submit and manage consumer financing applications across your merchant network
\n
✨ Capabilitiesa
\n- \n
Submit Applications - Process apps using merchant filters or offer stacks
\n \nRetrieve Status - Get real-time application status and offer details
\n \nSelect Offers - Choose specific financing offers for applicants
\n \nRequest Funds - Trigger disbursement after offer acceptance
\n \nIndustry Lookup - Get industries for specific merchants
\n \n
💼 Use Cases
\n🏢 Multi-Merchant Platforms
\nSubmit and track applications for any merchant in your partner network from a single integration.
\n📊 Centralized Management
\nMonitor all applications across your merchant portfolio with unified reporting and analytics.
\n🔄 Custom Workflows
\nBuild application flows that span multiple merchants, locations, or business units.
\n🔄 Application Workflow
\n1. Customer Applies → 2. Review Multiple Offers → 3. Select Best Offer → 4. Request Funds → 5. Get Funded\n\n\n
📝 Application Management
\n\n\n🎯 Purpose: Complete consumer application lifecycle with advanced workflows
\n
✨ Capabilities
\n💼 Use Cases
\n🛒 Applicant-Driven Flow
\nAllow customers to browse and select from multiple financing offers, giving them choice and transparency.
\nCustomer → See Multiple Offers → Compare Terms → Select Best Fit → Get Funded\n\n📦 Merchant-Defined Offers
\nPresent customers with curated offer stacks that match your business model and customer segments.
\n🎨 Custom Checkout Experience
\nBuild seamless financing flows directly into your checkout process with your branding.
\n⚖️ Offer Comparison
\nEnable customers to compare loan terms, rates, and monthly payments side-by-side.
\nFlows
\nMDF Application Flow (Merchant Driven with Offer Stacks)
\nPurpose: Merchant-initiated application flow where merchant submits application with offer stack preference
\nSteps:
\n- \n
Merchant Initiates - Merchant user submits application including:
\n- \n
Consumer application data
\n \nPreferred offer stack
\n \nOptional return URL
\n \n
\nSubmit Application - Partner calls
\nPOST /applications/mdf(Merchant Driven Filter) \nFinturf Returns Link - Finturf responds with unique Application Link
\n \nRedirect to Finturf - Partner redirects merchant user to Finturf environment (can be white-labeled)
\n \nMerchant Selects Offers - Merchant user reviews and selects financing offer(s) in Finturf
\n \nSend to Consumer - Finturf sends Application Link to consumer via email/SMS
\n \nConsumer Completes - Consumer completes application in Finturf
\n \nLender Environment - Consumer is directed to lender environment to sign loan agreement
\n \nReal-Time Status - Finturf sends Application Status Webhooks to partner in real-time
\n \n
Application Consumer Flow (Partner Hosted)
\nPurpose: Consumer application flow where partner hosts the offer selection experience
\nSteps:
\n- \n
Consumer Applies - Consumer fills in application in partner's environment
\n \nSubmit Application - Partner calls
\nPOST /applicationsAPI \nFinturf Returns URL - Finturf returns Application URL and sends webhook
\n- \n
- Partner should include return URL for redirection if not prequalified \n
\nPrequalification Check - Is consumer prequalified with main flow lenders?
\n \nIf NO: - Consumer is redirected to partner's return URL - Application flow ends
\n \nIf YES: - Application goes through Finturf ping tree - Lenders without smart fields process first
\n \nGet Offers - Partner calls
\nGET /applications/{id}/detailsor listens to Offers Webhook \nConsumer Selects Offer - Consumer views and selects preferred offer in partner's environment
\n \nSubmit Offer Selection - Partner calls
\nPATCH /applications/{id}/offerwith selected offer \nRequest Funds - Partner calls
\nPOST /applications/{id}/fundto trigger disbursement \nStatus Updates - Partner listens to status webhooks for real-time updates
\n \n
Application Consumer Flow (Finturf Hosted)
\nPurpose: Consumer application flow where Finturf hosts the offer selection experience
\nSteps:
\n- \n
Consumer Applies - Consumer fills in application in partner's environment
\n \nSubmit Application - Partner calls
\nPOST /applicationsAPI \nFinturf Returns URL - Finturf returns Application URL and sends webhook
\n- \n
- Partner should include return URL for redirection if not prequalified \n
\nPrequalification Check - Is consumer prequalified with any lenders?
\n \nIf NO: - Consumer is redirected to partner's return URL - Application flow ends
\n \nIf YES: - Consumer is redirected to Finturf environment via Application URL - Application goes through Finturf ping tree
\n \nOffer Selected - Consumer completes offer selection in Finturf
\n \nRedirect to Partner - Consumer is redirected back to partner environment
\n \nStatus Webhooks - Partner listens to Application Status Webhooks for updates
\n \nOptional Fund Request - Partner may call
\nPOST /applications/{id}/fundif auto-funding not enabled \n
Creates a new merchant profile under the specified white-label host.
\nThis endpoint initializes the merchant record with minimal required data — basic business info, contact, and industry association (Can be retrieved from the GET Partner Industries endpoint).
\nIf desired, the url returned in the response can be used to collect additional merchant information through a hosted Finturf form, instead of completing onboarding via the API.
\n
Request Body
\nResponse
\n201 Created
\nReturns an object containing the merchant ID, current onboarding status, and URL for merchant information collection.
\n","auth":{"type":"apikey","apikey":{"key":"Updates an existing merchant record with new or corrected contact and industry details.
\nThis endpoint is typically used to refresh merchant data or adjust ownership and industry information after initial creation.
\nIf a merchant was created through the hosted onboarding URL (returned by the POST /merchants call), this API can still be used for subsequent programmatic updates.
\n
Request Body
\nResponse
\nStatus: 204 No Content
\n\n","auth":{"type":"apikey","apikey":{"key":"Indicates that the update was successful and no additional content is returned. Use this response as confirmation that the merchant record has been successfully modified.
\n
Used to update a merchant’s status from sign up not complete to review once all required underwriting (UW) information has been successfully submitted and verified.
\nThis endpoint finalizes the merchant onboarding process and activates the merchant’s account for underwriter review.
\nA successful request returns HTTP 200 OK, confirming that the merchant’s status has been changed to review.
\n\n
Request
\nNo request body is required.
\nThe endpoint automatically evaluates whether all underwriting components (e.g., business info, bank account, license, and location) have been submitted and validated.
\n","auth":{"type":"apikey","apikey":{"key":"Retrieves detailed information about a specific merchant, including business, principal, partner, and status data.
\nThis endpoint is used to check the merchant’s registration progress, underwriting readiness, and associated records such as bank accounts and licenses.
\nResponse
\n200 OK
Returns full merchant details including partner association, business and principal information, current status, and timestamps.
Retrieves a paginated list of merchants associated with the white-label host.
\nThis endpoint is used to view all merchants, their registration progress, and current statuses.
\n\n
Query Parameters
\n- \n
page (number): The page number to retrieve. Default:
\n1. \nperPage (number): Number of records per page. Default:
\n20. \nhost (string): White-label host domain.
\n \n
\n
Response
\n200 OK
\nReturns a paginated list of merchant records and pagination metadata.
\n","auth":{"type":"apikey","apikey":{"key":"🏪 Merchant
\n\n\n🎯 Purpose: Create, update, and manage merchant accounts in the Finturf platform
\n
✨ Capabilities
\n- \n
Create Merchants - Onboard new merchants with complete business details
\n \nUpdate Information - Modify merchant contact and business information
\n \nRetrieve Details - Get comprehensive merchant profiles
\n \nList Merchants - View all merchants in your partner account
\n \nSubmit for Review - Send completed merchant profiles for underwriting
\n \n
💼 Use Cases
\n🚀 Automated Onboarding
\nProgrammatically create merchant accounts from your existing merchant database or CRM.
\n🔄 CRM Sync
\nKeep merchant data synchronized between your CRM and Finturf in real-time.
\n✅ Underwriting Automation
\nSubmit complete merchant profiles for automated underwriting and approval.
\n🖥️ Custom Portals
\nBuild branded merchant management interfaces with your own UX.
\nFlow
\nMerchant Creation
\nPurpose: Partner creates and onboards a new merchant into the Finturf platform
\nSteps:
\n- \n
Partner Creates Merchant - Partner calls
\nPOST /merchantsAPI to create merchant in Finturf \nFinturf Returns IDs - Finturf responds with Merchant ID, User ID, and Onboarding Link
\n \nOnboarding Decision Point - Partner chooses onboarding UX: Partner-hosted or Finturf-hosted
\nIf Partner-hosted:
\n- \n
Partner collects required underwriting information in their environment
\n \nPartner submits all data to Finturf via API
\n \nIf Finturf-hosted:
\n- \n
Partner redirects merchant user to Finturf Onboarding Link
\n \nMerchant completes onboarding in Finturf environment
\n \nFinturf redirects merchant back to partner environment
\n \n
\n
\nMerchant Under Review - Merchant status changes to \"Review\"
\n \nUnderwriting - Finturf underwrites the merchant
\n \nStatus Notification - Finturf sends Merchant Status Webhook to partner with approval/rejection
\n \n
Creates or updates the principal owner record for a specific merchant.
\nThe principal represents the primary business owner responsible for underwriting verification and ongoing communication.
\nThis endpoint is typically used during the merchant onboarding process to provide owner identity and business control information required for compliance and underwriting (UW).
\nA successful request returns HTTP 204 No Content, indicating that the principal data was successfully saved or updated.
\n\n
Request Body
\nResponse
\nStatus: 204 No Content
\n\n","auth":{"type":"apikey","apikey":{"key":"Indicates that the principal information was successfully created or updated. No response body is returned.
\n
Updates the existing principal owner record for a specific merchant.
\nThis endpoint is used when only certain principal fields need to be modified — such as contact information, address, or ownership details — without fully replacing the record.
\nA successful request returns HTTP 204 No Content, confirming that the principal data was successfully updated.
\n\n
Request Body
\nResponse
\nStatus: 204 No Content
\n\n","auth":{"type":"apikey","apikey":{"key":"Indicates that the principal information was successfully created or updated. No response body is returned.
\n
👤 Merchant Principal
\n\n\n🎯 Purpose: Manage principal owner information required for merchant underwriting
\n
✨ Capabilities
\n- \n
Add Principal - Submit owner details (name, SSN, DOB, ownership %)
\n \nUpdate Information - Modify existing principal data
\n \nKYC Compliance - Required for identity verification
\n \n
💼 Use Cases
\n🔐 KYC Compliance
\nCollect and submit business owner information for regulatory identity verification.
\n✅ Underwriting Requirements
\nProvide principal owner details needed for credit decisions and risk assessment.
\n📋 Multi-Step Onboarding
\nBreak merchant registration into manageable steps for better user experience.
\n","_postman_id":"52486e4c-f5ee-4832-931c-97f9b0fc038a","auth":{"type":"apikey","apikey":{"key":"Creates or updates the merchant’s business information record.
\nThis endpoint captures core business data such as company name, structure, address, incorporation state, and financial metrics.
\nIt is used during merchant onboarding and underwriting to provide the foundational company profile required for compliance and lender review.
\nA successful request returns HTTP 204 No Content, indicating that the business information was successfully submitted.
\n\n
Request Body
\n\n
Response
\nStatus: 204 No Content
\n\n","auth":{"type":"apikey","apikey":{"key":"Indicates that the business information was successfully created or updated.
\n
No response body is returned.
Updates the existing business information record for a specific merchant.
\nThis endpoint is used when partial updates are required—such as correcting business details, updating financial metrics, or changing the address—without replacing the entire record.
\nA successful request returns HTTP 204 No Content, indicating that the business information was successfully updated.
\n\n
Request Body
\n\n
Response
\nStatus: 204 No Content
\n\n","auth":{"type":"apikey","apikey":{"key":"Indicates that the business information was successfully created or updated.
\n
No response body is returned.
🏢 Merchant Business Info
\n\n\n🎯 Purpose: Manage comprehensive business information for merchant accounts
\n
✨ Capabilities
\n- \n
Business Details - Legal name, DBA, EIN, formation date
\n \nBusiness Structure - LLC, Corporation, Sole Proprietor, etc.
\n \nUpdate Information - Modify business details as needed
\n \nUnderwriting Data - Required for merchant approval
\n \n
💼 Use Cases
\n✅ Business Verification
\nProvide official business details for verification and compliance processes.
\n🧾 Tax Compliance
\nSubmit EIN and legal business names for accurate tax reporting.
\n📊 Underwriting
\nComplete business profile information for credit decisions.
\n","_postman_id":"469134fe-74b5-466d-870f-c161229c60c9","auth":{"type":"apikey","apikey":{"key":"Adds one or more co-owners to an existing merchant record.
\nEach co-owner entry must include basic identifying information (first name, last name, ZIP code).
\nThis endpoint is commonly used after merchant creation to associate additional business owners required for underwriting (UW) or compliance verification.
\nA successful request returns HTTP 204 No Content, indicating that the co-owner data was successfully recorded.
\n\n
Request Body
\nCo-Owner Object
\nResponse
\nStatus: 204 No Content
\n\n","auth":{"type":"apikey","apikey":{"key":"Indicates that the co-owner(s) were successfully added. No response body is returned.
\n
Completely replaces the existing list of co-owners for a specific merchant.
\nUnlike the POST request, which appends new co-owners to the current list, the PUT method overwrites all previously stored co-owner records with the provided array.
Use this endpoint when you need to synchronize or update the full ownership list, ensuring only the co-owners in the current request remain associated with the merchant.
\n\n
Request Body
\nCo-Owner Object
\nResponse
\nStatus: 204 No Content
\n\n","auth":{"type":"apikey","apikey":{"key":"Indicates that the co-owner(s) were successfully added. No response body is returned.
\n
👥 Merchant Co-Owner
\n\n\n🎯 Purpose: Add and manage multiple business owners for complex ownership structures
\n
✨ Capabilities
\n- \n
- Add Co-Owners - Submit multiple co-owner profiles \n
- Update Owners - Replace entire co-owner list \n
- Ownership Structure - Document ownership percentages \n
💼 Use Cases
\n🤝 Multi-Owner Businesses
\nSupport partnerships, LLCs, and businesses with multiple stakeholders.
\n📊 Complete Ownership
\nProvide full ownership structure for comprehensive underwriting.
\n⚖️ Compliance
\nMeet regulatory requirements for business ownership disclosure.
\n","_postman_id":"f0d715e7-e703-485a-b559-4e900dc8b0d5","auth":{"type":"apikey","apikey":{"key":"Used to create and link a bank account to a specific merchant.
\nA valid bank account is required to complete underwriting (UW).
\nOnce successfully created, the account becomes part of the merchant’s underwriting profile.
\nA successful request returns HTTP 201 Created, containing the unique identifier of the newly created bank account.
\n\n
Request Body
\nResponse
\nStatus: 201 Created
\n{\n \"id\": \"cb2fcd6e-94d1-4c87-8a90-02e94f14610f\"\n}\n\nRetrieves a paginated list of bank accounts associated with a specific merchant.
\nThis endpoint is used to review all submitted bank accounts, their approval status, and ownership details as part of the underwriting (UW) process.
\n\n
Query Parameters
\n- \n
page (number): The page number to retrieve. Default:
\n1. \nperPage (number): Number of results per page. Default:
\n10. \nhost (string): White-label host domain.
\n \n
\n
Response
\n200 OK
\nReturns a paginated list of bank accounts linked to the specified merchant.
\n","auth":{"type":"apikey","apikey":{"key":"Retrieves detailed information about a specific bank account linked to a merchant.
\nThis endpoint is used to view full account details, including ownership, account type, and underwriting (UW) status.
\n\n
Response
\n200 OK
\nReturns the full details of the specified bank account.
\n","auth":{"type":"apikey","apikey":{"key":"Used to remove or archive an existing bank account associated with a merchant.
\nThis endpoint is typically used when the account is no longer valid, has been replaced, or needs to be deleted from the underwriting profile.
\n\n
Response
\n204 OK
\nIndicates that the bank account has been successfully removed or archived.
\n","auth":{"type":"apikey","apikey":{"key":"Used to update an existing bank account associated with a merchant.
\nThis endpoint replaces the current bank account details with the provided data.
\nA valid and up-to-date bank account is required for underwriting (UW) and merchant review approval.
\n\n
Request Body
\nResponse
\nStatus: 201 Created
\n{\n \"id\": \"cb2fcd6e-94d1-4c87-8a90-02e94f14610f\"\n}\n\n🏦 Merchant Bank Account
\n\n\n🎯 Purpose: Manage bank accounts for secure merchant fund disbursements
\n
✨ Capabilities
\n- \n
Add Accounts - Link bank accounts to merchant profiles
\n \nRetrieve Details - Get account information securely
\n \nList Accounts - View all accounts for a merchant
\n \nUpdate/Delete - Modify or remove account information
\n \nMultiple Accounts - Support multiple accounts per merchant
\n \n
💼 Use Cases
\n💰 Fund Disbursement
\nConfigure where funded loans should be deposited via ACH transfer.
\n📍 Multiple Locations
\nSupport merchants with different bank accounts for different locations.
\n🔐 ACH Setup
\nSecurely collect and manage banking information for ACH transfers.
\n✅ Account Verification
\nValidate bank account details before processing fund disbursements.
\n","_postman_id":"790d3c7f-3b4a-4270-b2e9-5472ed987ee4","auth":{"type":"apikey","apikey":{"key":"Used to submit a business license for a specific merchant.
\nLicenses are required as part of the underwriting (UW) process to verify the merchant’s authorization to operate within designated industries and states.
\nA successful request returns HTTP 201 Created, containing the unique identifier of the newly created license record.
\n\n
Request Body
\nResponse
\nStatus: 201 Created
\n{\n \"id\": \"e9a32d5b-4c9f-4a1a-8ad4-b12c95f4f019\"\n}\n\nUsed to update an existing business license associated with a merchant.
\nThis endpoint replaces the current license information with the provided data.
\nAccurate and up-to-date license information is required for underwriting (UW) review and verification.
\n\n
Request Body
\nRequest Body
\nResponse
\n200 OK
\nReturns the unique identifier of the updated license record.
\n","auth":{"type":"apikey","apikey":{"key":"Used to delete or remove a business license associated with a merchant.
\nThis endpoint is typically used when a license is expired, replaced, or was submitted in error.
\nRemoving a license may affect the merchant’s underwriting (UW) status if it leaves mandatory license data incomplete.
\n\n
Response
\n200 OK
\nIndicates that the license has been successfully deleted.
\n","auth":{"type":"apikey","apikey":{"key":"Retrieves a paginated list of licenses associated with a specific merchant.
\nThis endpoint is used to verify which licenses have been submitted and their validity for underwriting (UW) review.
\n\n
Query Parameters
\n- \n
page (number): The page number to retrieve. Default:
\n1. \nperPage (number): Number of results per page. Default:
\n10. \nhost (string): White-label host domain.
\n \n
\n
Response
\n200 OK
\nReturns a paginated list of license records linked to the merchant.
\n","auth":{"type":"apikey","apikey":{"key":"Retrieves detailed information about a specific business license associated with a merchant.
\nThis endpoint is used to review license details submitted for underwriting (UW) validation.
\n\n
Response
\n200 OK
\nReturns the full details of the specified license record.
\n","auth":{"type":"apikey","apikey":{"key":"📜 Merchant License
\n\n\n🎯 Purpose: Manage business licenses and certifications for regulatory compliance
\n
✨ Capabilities
\n- \n
Upload Licenses - Submit business license information
\n \nTrack Expiration - Monitor license expiration dates
\n \nUpdate Details - Modify license information
\n \nList Licenses - Retrieve all licenses for a merchant
\n \nDelete Licenses - Remove outdated licenses
\n \n
💼 Use Cases
\n⚖️ Regulatory Compliance
\nVerify merchants have required business licenses for their industry.
\n🏭 Industry Requirements
\nTrack industry-specific certifications, permits, and licenses.
\n📅 Renewal Tracking
\nMonitor expiration dates and automate renewal reminders.
\n✅ Underwriting
\nProvide license documentation for merchant approval process.
\n","_postman_id":"185a6054-2414-48fb-b495-e7f9177e6162","auth":{"type":"apikey","apikey":{"key":"Used to create a new business location for a merchant.
\nA merchant can have multiple locations, but only one may be designated as primary.
\nEach location can be associated with a specific bank account, license, and primary contact for underwriting and operational purposes.
\nA successful request returns HTTP 201 Created, containing the unique identifier of the newly created location.
\n\n
Request Body
\nResponse
\nStatus: 201 Created
\n{\n \"id\": \"9b873c92-19d0-4d42-8a34-4e8b4a0eaf92\"\n}\n\nUsed to update an existing business location for a merchant.
\nThis endpoint replaces the current location details with the provided data.
\nIt is typically used to modify location information, change the primary contact, or update associated bank account and licenses.
\n\n
Request Body
\nResponse
\nStatus: 201 Created
\n{\n \"id\": \"9b873c92-19d0-4d42-8a34-4e8b4a0eaf92\"\n}\n\nUsed to delete or archive a merchant location.
\nThis endpoint removes the specified location from the merchant’s profile.
\nIf the location is currently linked to underwriting or active operations, ensure it is no longer in use before deletion.
\n\n
Response
\n204 No Content
\nIndicates that the location was successfully deleted.
\nNo response body is returned.
\n","auth":{"type":"apikey","apikey":{"key":"Retrieves a paginated list of business locations associated with a specific merchant.
\nThis endpoint is used to view all registered merchant locations, their contact and banking associations, and underwriting (UW) statuses.
\n\n
Query Parameters
\n- \n
page (number): Page number to retrieve. Default:
\n1. \nperPage (number): Number of results per page. Default:
\n10. \nhost (string): White-label host domain.
\n \n
\n
Response
\n200 OK
\nReturns a paginated list of merchant locations with key details.
\n","auth":{"type":"apikey","apikey":{"key":"Retrieves detailed information about a specific merchant location.
\nThis endpoint is used to view the location’s operational details, contact, and banking associations for underwriting (UW) or administrative review.
\n\n
Response
\n200 OK
\nReturns detailed information about the specified location.
\n","auth":{"type":"apikey","apikey":{"key":"📍 Merchant Location
\n\n\n🎯 Purpose: Manage physical business locations for multi-location merchants
\n
✨ Capabilities
\n- \n
Add Locations - Create new business locations
\n \nUpdate Details - Modify address, hours, contact information
\n \nRetrieve Locations - Get specific location details
\n \nList All - View all locations for a merchant
\n \nDelete/Archive - Remove closed locations
\n \n
💼 Use Cases
\n🏬 Multi-Location Businesses
\nSupport merchants with multiple stores, offices, or service locations.
\n🎯 Location-Based Offers
\nConfigure different financing options for different locations.
\n📊 Regional Analytics
\nTrack applications and performance metrics by location.
\n🍔 Franchise Support
\nManage franchise locations within a single merchant account.
\n","_postman_id":"b0e171b1-317b-4d9b-8667-700ff2c8293d","auth":{"type":"apikey","apikey":{"key":"Used to create a new user under a specific merchant account.
\nThis endpoint allows assigning the user to a location and role, as well as configuring their contact responsibilities — including sales, dispute, and accounting communications.
\nA successful request returns HTTP 201 Created, containing the unique identifier of the newly created user.
\n\n
Request Body
\nResponse
\nStatus: 201 Created
\n{\n \"id\": \"af873b29-b9d8-4d47-91a4-cf8e7e29cd52\"\n}\n\nUsed to update an existing user associated with a merchant.
\nThis endpoint modifies user details, assigned location, role, and designated contact responsibilities.
\n\n
Request Body
\nResponse
\nStatus: 201 Created
\n{\n \"id\": \"af873b29-b9d8-4d47-91a4-cf8e7e29cd52\"\n}\n\nUsed to delete a user associated with a merchant.
\nThis endpoint permanently removes the user record from the merchant’s account, including their assigned role, contact status, and location association.
\n\n
Response
\n204 No Content
\nIndicates that the user was successfully deleted.
\nNo response body is returned.
\n\n
Notes
\n- \n
Deleting a user will revoke their access to the merchant portal and related API endpoints.
\n \nBefore deletion, ensure the user is not assigned as a primary contact or the only sales/dispute/accounting contact for a location.
\n \n
Retrieves a paginated list of users associated with a specific merchant.
\nThis endpoint provides an overview of all merchant users, including their assigned roles, locations, and current status.
\n\n
Query Parameters
\n- \n
page (number): The page number to retrieve. Default:
\n1. \nperPage (number): Number of results per page. Default:
\n10. \nhost (string): White-label host domain.
\n \n
\n
Response
\n200 OK
\nReturns a paginated list of merchant users and their role assignments.
\n","auth":{"type":"apikey","apikey":{"key":"Retrieves detailed information about a specific user associated with a merchant.
\nThis endpoint returns the user’s identifying details, assigned role and location, account status, and role type.
\n\n
Response
\n200 OK
\nReturns the full profile and access details for the specified user.
\n","auth":{"type":"apikey","apikey":{"key":"👨💼 Merchant User
\n\n\n🎯 Purpose: Manage user accounts and access for merchant portal users
\n
✨ Capabilities
\n- \n
Create Users - Onboard new team members
\n \nAssign Roles - Set permissions and access levels
\n \nUpdate Users - Modify user information
\n \nRetrieve Details - Get user information
\n \nList Users - View all users for a merchant
\n \nDelete Users - Remove or deactivate users
\n \n
💼 Use Cases
\n👥 Team Management
\nGive multiple team members access to the merchant portal with appropriate permissions.
\n🔐 Role-Based Access
\nControl what each user can see and do based on their role.
\n🚀 Employee Onboarding
\nQuickly provision new merchant staff with appropriate access.
\n🔒 Security Management
\nImmediately remove access for former employees or contractors.
\n","_postman_id":"b6995aba-b8d8-464e-b38a-d4ff0d285159","auth":{"type":"apikey","apikey":{"key":"Retrieves a paginated list of all roles configured for a specific merchant.
\nEach role defines access permissions across various sections of the merchant portal, including visibility, edit, and delete rights for users, applications, licenses, and more.
\n\n
Query Parameters
\n- \n
page (number): Page number to retrieve. Default:
\n1. \nperPage (number): Number of roles per page. Default:
\n10. \nhost (string): White-label host domain.
\n \n
\n
Response
\n200 OK
\nReturns a paginated list of role configurations with their associated access permissions.
\n","auth":{"type":"apikey","apikey":{"key":"Retrieves a paginated list of all roles configured for a specific merchant.
\nEach role defines access permissions across various sections of the merchant portal, including visibility, edit, and delete rights for users, applications, licenses, and more.
\n\n
Query Parameters
\n- \n
page (number): Page number to retrieve. Default:
\n1. \nperPage (number): Number of roles per page. Default:
\n10. \nhost (string): White-label host domain.
\n \n
\n
Response
\n200 OK
\nReturns a paginated list of role configurations with their associated access permissions.
\n","auth":{"type":"apikey","apikey":{"key":"Used to create a new user role under a merchant account.
\nEach role defines menu access permissions across the merchant portal — including view, edit, and delete rights for different sections such as applications, lenders, licenses, and more.
\nRoles can also include scope limitations to restrict access to specific data (e.g., by location or user association).
\nA successful request returns HTTP 201 Created, containing the unique identifier of the newly created role.
\n\n
Request Body
\n\n
Menu Access Object Schema
\nEach menu section defines access configuration with the following parameters:
\nResponse
\nStatus: 201 Created
\n{\n \"id\": \"8a3b25e1-5472-4bfc-9c63-bbcb56f7b1a3\"\n}\n\nUsed to create a new user role under a merchant account.
\nEach role defines menu access permissions across the merchant portal — including view, edit, and delete rights for different sections such as applications, lenders, licenses, and more.
\nRoles can also include scope limitations to restrict access to specific data (e.g., by location or user association).
\nA successful request returns HTTP 201 Created, containing the unique identifier of the newly created role.
\n\n
Request Body
\n\n
Menu Access Object Schema
\nEach menu section defines access configuration with the following parameters:
\nResponse
\nStatus: 201 Created
\n{\n \"id\": \"8a3b25e1-5472-4bfc-9c63-bbcb56f7b1a3\"\n}\n\n🎭 Merchant Roles
\n\n\n🎯 Purpose: Define custom roles with granular permissions for merchant users
\n
✨ Capabilities
\n- \n
Create Roles - Define custom roles with specific permissions
\n \nPermission Lookup - Get available permission options
\n \nList Roles - View all roles for a merchant
\n \nUpdate Permissions - Modify role capabilities
\n \nAssign to Users - Apply roles to user accounts
\n \n
💼 Use Cases
\n🎯 Custom Access Control
\nDefine roles that match your organizational structure (Manager, Staff, Admin, etc.).
\n🔐 Granular Permissions
\nControl specific actions like view applications, submit applications, manage settings.
\n✅ Compliance
\nImplement least-privilege access controls for security and compliance.
\n🏢 Multi-Level Orgs
\nSupport different permission levels across your organization hierarchy.
\n","_postman_id":"894caf2f-6bff-4c20-a9f3-c2460997a272","auth":{"type":"apikey","apikey":{"key":"Retrieves a paginated list of offer stacks available to a specific merchant.
\nOffer stacks define the range of financing terms and expected offers a merchant can provide to customers.
\nEach stack represents a configuration of APR, MDR, merchant fee, and term limits used in loan offer matching.
\n\n
Query Parameters
\n- \n
page (number): The page number to retrieve. Default:
\n1. \nperPage (number): Number of records per page. Default:
\n10. \nhost (string): White-label host domain.
\n \n
\n
Response
\n200 OK
\nReturns a paginated list of offer stack configurations for the specified merchant.
\n","auth":{"type":"apikey","apikey":{"key":"Used to retrieve an estimated loan offer based on a specific offer stack and industry for a given merchant.
\nThis endpoint returns estimated financing terms such as APR, term length, and monthly payment, including promotional details if applicable.
\n\n
Query Parameters
\n- \n
requestedAmount (number): The requested loan amount for estimation. (Required)
\n \nhost (string): White-label host domain.
\n \n
\n
Response
\n200 OK
\nReturns an estimated loan offer based on the selected offer stack and industry.
\n","auth":{"type":"apikey","apikey":{"key":"Used to retrieve a group of estimated loan offers based on a specific offer stack and industries for a given merchant.
\nThis endpoint returns estimated financing terms such as APR, term length, and monthly payment, including promotional details if applicable.
\n\n
Body
\n- \n
requestedAmount (number): The requested loan amount for estimation. (Required)
\n \nofferStackId (UUID): The UUID of the specific offer stack assigned to the merchant. (Required)
\n \nIndustryId (UUID): The UUID of the specific industry assigned to the merchant. (Required)
\n \n
\n
Response
\n200 OK
\nReturns an estimated loan offers based on the selected offer stacks and industries.
\n","auth":{"type":"apikey","apikey":{"key":"📦 Merchant Offer Stacks
\n\n\n🎯 Purpose: Manage and preview pre-configured financing offer packages
\n
✨ Capabilities
\n- \n
List Offer Stacks - Get available offer packages
\n \nGet Estimates - Preview offers based on amount and industry
\n \nOffer Details - View terms, rates, and conditions
\n \nApplication Integration - Use stacks in application workflows
\n \n
💼 Use Cases
\n💰 Pre-Qualified Offers
\nShow customers estimated financing terms before they apply.
\n🛒 Simplified Checkout
\nPresent curated offer packages instead of individual lender options.
\n🎯 Custom Programs
\nCreate merchant-specific offer packages with negotiated terms.
\n🧮 Financing Calculator
\nBuild interactive calculators for customer-facing websites.
\nFlow
\nApplication Estimation
\nPurpose: Allow merchants to view estimated monthly payments before submitting applications
\nSteps:
\n- \n
Merchant Views Plans - Merchant user clicks on financing plans dropdown in partner environment
\n \nRetrieve Offer Stacks - Partner calls
\nGET /merchants/{id}/offer-stacksto get available stacks- \n
- Note: Finturf team must assign offer stacks to merchant beforehand (prerequisite) \n
\nMerchant Selects Parameters - Merchant selects:
\n- \n
Offer stack
\n \nJob amount (requested loan amount)
\n \nIndustry
\n \n
\nGet Estimate - Partner calls
\nGET /offer-stacks/{stack_id}/industry/{industry_id}/estimate\nDisplay Estimate - Partner displays estimated monthly payment returned by Finturf
\n \nSubmit Application - User proceeds to submit Merchant Driven Application with selected parameters
\n \n
Creates a new webhook subscription for a partner account.
\nWebhooks enable automatic notifications when specific events occur — such as updates to applications or merchants.
\nEach subscription defines a target URL, authentication method, and one or more event types with the corresponding statuses that should trigger notifications.
\nA successful request returns HTTP 201 Created, including the unique subscription ID.
\n\n
Request Body
\nEvent Object Schema
\nEvent Status Enums
\nApplication Event Statuses
\nnoHitByTU, approved, offerSelected, preApproved, contractSigned, fundsReleased, notPreApproved, declined, error, documentUploadPending, reviewByLender, pending, noticeToProceed, customerRejectOffers, declinedByCustomer, allOffersWereRejectedByCustomer, customerRejectLender, fundsRequested, fundsRequestedPending, fundsRequestedConfirmed, fundsRequestedRejected, fundsRequestedCompleted, partiallyFunded, canceled, changeOrderPending, changeOrderConfirmed, changeOrderRejected, changeOrderCompleted, changeOrderError, expired \n\nApplication Statuses Descriptions:
\nMerchant Event Statuses
\nemailSent,\nreview,\npaused,\nsignUpNotComplete,\nsoftDecline,\nhardDecline,\nterminated,\n\nResponse
\nStatus: 201 Created
{\n \"id\": \"154ec35b-6d16-49c4-9738-85cebf6144f8\"\n}\n\nRetrieves details of a specific webhook subscription by its unique ID.
\nThis endpoint returns configuration data including the webhook name, target URL, authentication type, and subscribed event types with their associated statuses.
\nA successful request returns HTTP 200 OK along with the webhook subscription details.
\n","auth":{"type":"apikey","apikey":{"key":"Retrieves all webhook subscriptions configured for the partner or merchant account. Each subscription specifies the events and statuses that trigger a webhook notification.
\nResponse
\n200 OK
\nReturns a paginated list of webhook subscriptions, including their configuration details and event triggers.
\n","auth":{"type":"apikey","apikey":{"key":"Deletes a specific webhook subscription identified by its ID. Once deleted, no further webhook events will be sent to the associated URL.
\nResponse
\n204 No Content
\nIndicates the webhook subscription was successfully deleted. No response body is returned.
\n","auth":{"type":"apikey","apikey":{"key":"🔔 Webhook Subscription
\n\n\n🎯 Purpose: Configure real-time webhook notifications for platform events
\n
✨ Capabilities
\n- \n
Create Subscriptions - Set up webhooks for specific events
\n \nRetrieve Config - Get webhook configuration details
\n \nList Webhooks - View all active subscriptions
\n \nUpdate Settings - Modify webhook endpoints
\n \nDelete Subscriptions - Remove webhook subscriptions
\n \n
💼 Use Cases
\n⚡ Real-Time Updates
\nReceive instant notifications when application or merchant statuses change.
\n🔄 Event-Driven Architecture
\nTrigger automated workflows based on Finturf platform events.
\n🔄 Status Sync
\nKeep your system synchronized with Finturf data in real-time.
\n📧 Customer Communications
\nSend automated emails or SMS based on application progress.
\n🐛 Integration Monitoring
\nTrack webhook delivery and troubleshoot integration issues.
\n","_postman_id":"a289e2a1-ee09-4f49-80a4-0bddaeb89720","auth":{"type":"apikey","apikey":{"key":"Description
\nRetrieves a list of industries available to the partner.
\nEach industry object includes its unique identifier, name, and archive status.
\nThis endpoint is typically used to populate dropdowns or selection lists when creating or updating merchants.
\nA successful request returns HTTP 200 OK with an array of industry objects.
\n","auth":{"type":"apikey","apikey":{"key":"🏭 Industries
\n\n\n🎯 Purpose: Retrieve industries and categories available to partners
\n
✨ Capabilities
\n- \n
List Industries - Get all supported industries
\n \nIndustry IDs - Access IDs needed for applications
\n \nIndustry Details - View industry-specific information
\n \n
💼 Use Cases
\n📋 Form Population
\nPopulate industry dropdowns in merchant onboarding and application forms.
\n🎯 Application Setup
\nSelect appropriate industry categories for loan applications.
\n💡 Offer Configuration
\nUnderstand which industries support which financing options.
\n","_postman_id":"f75aadf0-eea7-452f-9164-68425af91f0a","auth":{"type":"apikey","apikey":{"key":"⚙️ Partner Settings
\n\n\n🎯 Purpose: Retrieve partner branding and platform configuration settings
\n
✨ Capabilities
\n- \n
Branding Config - Get white-label branding settings
\n \nPartner Settings - Retrieve partner-specific configuration
\n \nCustomization - Access customization options
\n \n
💼 Use Cases
\n🎨 White-Label Branding
\nApply your brand to merchant and customer experiences automatically.
\n⚙️ Configuration
\nAccess partner-specific settings and feature flags.
\n🔧 Custom Integrations
\nRetrieve branding assets and configuration for custom applications.
\n","_postman_id":"3ee14caf-77a0-4183-b3ad-e8d70b40e3cf","auth":{"type":"apikey","apikey":{"key":"🤝 v2 Partner API
\n\n\n🎯 Purpose: Complete merchant lifecycle and multi-merchant application management for partners and platforms
\n
The v2 Partner API is designed for platforms, ISVs, POS providers, and white-label partners who manage multiple merchants. It provides comprehensive tools for merchant onboarding, underwriting data collection, user management, and application processing across your entire merchant network.
\n\n\n📌 Environment Information:
\n
Base URLs:
- Test: https://stage-m-api.finturf.com
- Production: https://merchant-api.finturf.com
Authentication:
- Header: `X-PARTNER-TOKEN`
- Staging: Provided by Finturf
- Production: Create in Merchant Portal
- Wl-host: Partner's subdomain in Finturf system, provided by Finturf
🌟 Why Partners Choose v2
\n🔄 Partner Integration Flow
\nYour Platform → Create Merchant → Add Business Info → Submit for Underwriting →\nMerchant Approved → Process Applications → Manage Funding → Track Performance\n\nModern, comprehensive API with full merchant lifecycle management
\nThe v2 API is designed for partners and platforms that need complete control over merchant onboarding, user management, and application processing.
\n","_postman_id":"a0d93881-5cb2-4e07-81dc-ac1be9389ce1"},{"name":"v1","item":[{"name":"Merchant API","item":[{"name":"Industries","event":[{"listen":"test","script":{"id":"d3b9dfd5-7c6d-4c91-8c39-5078577c723b","exec":["var jsonData = JSON.parse(responseBody);","pm.collectionVariables.set(\"industryId\", jsonData.groups[0].id);"],"type":"text/javascript","packages":{}}}],"id":"2efcb4fb-9c86-4c5c-9360-f3bb1dc96ac7","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"GET","header":[{"key":"X-MERCHANT-TOKEN","value":"{token}","type":"text"}],"url":"/api/v1/merchants/industries?host=","description":"This endpoint retrieves a list of industries, each with its respective industry ID and Industry UUID. It showcases industries that are available and those specifically selected by the Merchant.
\n","urlObject":{"path":["api","v1","merchants","industries"],"host":[""],"query":[{"key":"host","value":""}],"variable":[]}},"response":[{"id":"c8d76be4-bbed-470b-906c-dc960860234c","name":"200","originalRequest":{"method":"GET","header":[{"key":"Authorization","value":"Bearer {token}","type":"text"}],"url":{"raw":"/api/v1/merchants/industries?host=finturf.com","host":[""],"path":["api","v1","merchants","industries"],"query":[{"key":"host","value":"finturf.com"}]}},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Date","value":"Fri, 29 Dec 2023 00:31:33 GMT","enabled":true},{"key":"Content-Type","value":"application/json","enabled":true},{"key":"Transfer-Encoding","value":"chunked","enabled":true},{"key":"Connection","value":"keep-alive","enabled":true},{"key":"Cache-Control","value":"no-cache, private","enabled":true},{"key":"X-Frame-Options","value":"SAMEORIGIN","enabled":true},{"key":"Strict-Transport-Security","value":"max-age=15724800; includeSubDomains","enabled":true}],"cookie":[],"responseTime":null,"body":"{\n \"groups\": [\n {\n \"id\": 1,\n \"uuid\": \"7be76979-7ae8-46fb-90a9-802df4396154\",\n \"label\": \"Home Improvement\",\n \"description\": null,\n \"groupId\": null,\n \"merchantId\": null,\n \"isFixed\": true\n },\n {\n \"id\": 19,\n \"uuid\": \"dfc50339-5094-42da-816f-518534082ca3\",\n \"label\": \"Medical\",\n \"description\": null,\n \"groupId\": null,\n \"merchantId\": null,\n \"isFixed\": true\n },\n {\n \"id\": 39,\n \"uuid\": \"8f4c2220-b976-412b-9811-693d21716cfa\",\n \"label\": \"Other Services\",\n \"description\": null,\n \"groupId\": null,\n \"merchantId\": null,\n \"isFixed\": true\n },\n {\n \"id\": 30,\n \"uuid\": \"3a6bcc7a-328f-4a45-999c-5972cad03338\",\n \"label\": \"Pet Services\",\n \"description\": null,\n \"groupId\": null,\n \"merchantId\": null,\n \"isFixed\": true\n },\n {\n \"id\": 3,\n \"uuid\": \"f177501c-3dae-4e51-9b75-adada587829d\",\n \"label\": \"Retail\",\n \"description\": null,\n \"groupId\": null,\n \"merchantId\": null,\n \"isFixed\": true\n }\n ],\n \"items\": [\n {\n \"id\": 34,\n \"uuid\": \"642f95e0-8195-4a0a-ad36-8855e63b3d52\",\n \"label\": \"Appliances\",\n \"description\": \"Appliances - household and commercial equipment, such as kitchen appliances, electronics, laundry machines, and HVAC systems.\",\n \"groupId\": 3,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 16,\n \"name\": \"Equity Sales Finance\"\n },\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 20,\n \"uuid\": \"94c730a8-065d-4642-878b-b215cb84a1be\",\n \"label\": \"Audiology\",\n \"description\": \"Audiology - screening, diagnosis, and treatment of hearing disorders, balance-related problems, and dizziness.\",\n \"groupId\": 19,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 21,\n \"uuid\": \"c576264d-d761-4ba2-b60e-aa7b0dab28df\",\n \"label\": \"Chiropractic\",\n \"description\": \"Chiropractic - treatment of the musculoskeletal system and the nervous system through spinal adjustments, massages, hot and cold therapy, and hydrotherapy.\",\n \"groupId\": 19,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 16,\n \"name\": \"Equity Sales Finance\"\n },\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 40,\n \"uuid\": \"375b2add-6d21-42bb-8812-98a24ba3bcf5\",\n \"label\": \"Coaching\",\n \"description\": \"Coaching - professional development of training programs for various types of sports.\",\n \"groupId\": 39,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 22,\n \"uuid\": \"19df0e00-a2d0-4d15-b6e4-9bf46675dcce\",\n \"label\": \"Cosmetic Surgery\",\n \"description\": \"Cosmetic Surgery - invasive and non-invasive procedures focused on enhancing the appearance of the face and body.\",\n \"groupId\": 19,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 23,\n \"uuid\": \"3c68a903-fb63-43a4-a81b-7004b69ebc35\",\n \"label\": \"Dental\",\n \"description\": \"Dental - dental and oral diagnosis and treatment focused on the teeth, gums, and mouth.\",\n \"groupId\": 19,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 24,\n \"uuid\": \"f7c76efd-165f-4f1a-ad65-426db240c223\",\n \"label\": \"Dermatology\",\n \"description\": \"Dermatology - specialization in diagnosing and treating diseases of the skin, scalp, hair and nails.\",\n \"groupId\": 19,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 16,\n \"name\": \"Equity Sales Finance\"\n },\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 31,\n \"uuid\": \"3feabf77-a252-4e5a-817a-2f23c828adbc\",\n \"label\": \"Dog Training\",\n \"description\": \"Dog Training - behavioral and obedience training for canines.\",\n \"groupId\": 30,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 8,\n \"uuid\": \"7e4d415d-f763-41eb-811c-5d5bfa280fb3\",\n \"label\": \"Doors\",\n \"description\": \"Doors - materials and labor costs for door installations, replacements, or custom projects.\",\n \"groupId\": 1,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 35,\n \"uuid\": \"b0066663-ddce-40ed-a7aa-ef2bf0448e47\",\n \"label\": \"Electronics\",\n \"description\": \"Electronics - consumer electronics, such as sound systems, computers, tablets, and phones.\",\n \"groupId\": 3,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 9,\n \"uuid\": \"cedc7372-d41f-4996-a7b9-006f12d19798\",\n \"label\": \"Flooring\",\n \"description\": \"Flooring - indoor and outdoor floor maintenance, cleaning, installation, and refinishing.\",\n \"groupId\": 1,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 41,\n \"uuid\": \"89dc4839-ac0b-4944-b62f-52ae5df1d424\",\n \"label\": \"Funeral\",\n \"description\": \"Funeral - services related to death, such as celebration of life services, as well as cremation and burial.\",\n \"groupId\": 39,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 36,\n \"uuid\": \"1c39cbbd-463e-416f-83c8-be058241574e\",\n \"label\": \"Furniture\",\n \"description\": \"Furniture - commercial and residential furniture, including sofas, dining sets, bedroom sets, and decorative items.\",\n \"groupId\": 3,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 56,\n \"uuid\": \"c0903d80-bdc3-4563-86aa-721be2f1f9dd\",\n \"label\": \"Gyms\",\n \"description\": null,\n \"groupId\": 39,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 11,\n \"uuid\": \"b6c23a90-e376-4dbb-b07c-cc4743cb2740\",\n \"label\": \"HVAC\",\n \"description\": \"HVAC - heating, ventilation, and air conditioning installation, maintenance, replacement, and repair.\",\n \"groupId\": 1,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 16,\n \"name\": \"Equity Sales Finance\"\n },\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 50,\n \"uuid\": \"dfb9df15-55a3-4ece-bd88-ca0d1d73fdc5\",\n \"label\": \"Hair Loss\",\n \"description\": \"Hair Loss - screening, diagnosis, and treatment of hair loss, such as alopecia.\",\n \"groupId\": 19,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 49,\n \"uuid\": \"bc612bb2-aa9f-4437-8e1b-35bd343be691\",\n \"label\": \"Holistic Medicine\",\n \"description\": \"Holistic Medicine - treatment for diseases, disorders, or injuries through alternative techniques, such as diet changes, counseling, exercise, acupuncture, homeopathy, and naturopathy.\",\n \"groupId\": 19,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 10,\n \"uuid\": \"7d7e126f-6de9-4b41-92f2-70a132fccea4\",\n \"label\": \"Home Automation\",\n \"description\": \"Home Automation - installation and maintenance of electronically controlled home devices, including smart blinds, security systems, automatic lights, and heating and cooling systems.\",\n \"groupId\": 1,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 58,\n \"uuid\": \"59513364-8ae8-4b7f-b77d-1db2e0fac91d\",\n \"label\": \"Home Exterior\",\n \"description\": \"materials and labor costs for exterior home painting, door and window remodels, and landscaping.\",\n \"groupId\": 1,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 59,\n \"uuid\": \"f50abb13-b67b-4aef-89e5-4e77a5b081e4\",\n \"label\": \"Implant Dentistry\",\n \"description\": null,\n \"groupId\": 19,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 38,\n \"uuid\": \"f5b2bb1c-4e34-40a2-88b8-539f2e055e60\",\n \"label\": \"Jewelry\",\n \"description\": \"Jewelry - rings, bracelets, necklaces, and other jewelry made from precious metals and gems.\",\n \"groupId\": 3,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 60,\n \"uuid\": \"5cf327ad-13a3-4828-bb4c-529d31ec4254\",\n \"label\": \"Kitchen & Bath\",\n \"description\": \"materials and labor costs for full or partial kitchen and bathroom remodels, including cabinetry, appliances, countertops, showers and bathtubs, tiling, and lighting.\",\n \"groupId\": 1,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 61,\n \"uuid\": \"50131154-0ba3-47c4-a641-431249bee8db\",\n \"label\": \"Landscaping\",\n \"description\": null,\n \"groupId\": 1,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 42,\n \"uuid\": \"04549fc2-7bcf-428b-9459-e6e86fa470ff\",\n \"label\": \"Legal\",\n \"description\": \"Legal - professional legal services related to criminal and civil cases, such as document review, representation, and legal advice.\",\n \"groupId\": 39,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 37,\n \"uuid\": \"2825c472-1625-4651-a08c-b3776ee58fbb\",\n \"label\": \"Mattress\",\n \"description\": \"Mattress - foam and other types of mattresses, as well as box springs and mattress foundations.\",\n \"groupId\": 3,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 16,\n \"name\": \"Equity Sales Finance\"\n },\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 25,\n \"uuid\": \"1bdc3acd-171b-4001-b4b4-ce6a0954180f\",\n \"label\": \"Medical Devices\",\n \"description\": \"Medical Devices - equipment used to diagnose and treat healthcare patients. Includes the manufacturing of medical, scientific, and surgical equipment.\",\n \"groupId\": 19,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 54,\n \"uuid\": \"b7d255bb-1dc7-403e-9676-053d5a3e4183\",\n \"label\": \"Medical Tourism\",\n \"description\": \"Medical Tourism - costs related to traveling to underdeveloped countries to provide necessary medical treatments.\",\n \"groupId\": 19,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 46,\n \"uuid\": \"99a6176d-6a4b-41e1-af7b-152cca347f86\",\n \"label\": \"Men's Health\",\n \"description\": \"Men's Health - screening, diagnosis, and treatment of physical and mental diseases that affect men.\",\n \"groupId\": 19,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 16,\n \"name\": \"Equity Sales Finance\"\n },\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 51,\n \"uuid\": \"1bb72c43-bbd2-4331-b5e5-cc6a9f96aa54\",\n \"label\": \"Naturopathic\",\n \"description\": \"Naturopathic - treatment for diseases, disorders, or injuries through alternative techniques, including homeopathy, herbal treatments, exercise therapy, counseling, and herbal medications.\",\n \"groupId\": 19,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 26,\n \"uuid\": \"203d6236-c744-42c0-9fed-39a018a6c2ad\",\n \"label\": \"Non-invasive Cosmetic\",\n \"description\": \"Non-invasive Cosmetics - cosmetic procedures, including skin rejuvenation and injectables, body contouring, hair removal, and tattoo removal.\",\n \"groupId\": 19,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 27,\n \"uuid\": \"d27ea658-f72b-46e1-9f7f-709ed45e9574\",\n \"label\": \"Optometry\",\n \"description\": \"Optometry - screening, diagnosis, and treatment of the eyes, including LASIK surgery, glaucoma, cataracts, and general ocular surgery.\",\n \"groupId\": 19,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 45,\n \"uuid\": \"e03183a0-8797-4cc9-b45a-ed179acde0d0\",\n \"label\": \"Orthodontic\",\n \"description\": \"Orthodontic - treatments for correcting misalignments of the teeth or jaw through braces, Invisalign, and orthodontic surgery.\",\n \"groupId\": 19,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 57,\n \"uuid\": \"aa1dcc67-4101-48e7-b7cb-94a5e5e04014\",\n \"label\": \"Personal Training\",\n \"description\": \"Personal Training - professional development of training programs for weight-loss, muscle toning, and general health benefits.\",\n \"groupId\": 39,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 32,\n \"uuid\": \"6de10829-0005-44d8-ad58-bb54aa3b5783\",\n \"label\": \"Pet Retail\",\n \"description\": \"Pet Retail - a variety of retail products for domesticated pets, including food, accessories, toys, treats, leashes and collars, beds, grooming supplies, vitamins, and medications.\",\n \"groupId\": 30,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 62,\n \"uuid\": \"3f82ccfb-cbab-4ceb-8823-cf3d418042eb\",\n \"label\": \"Photography\",\n \"description\": \"covers equipment such as professional cameras, lenses, photo editing software, and accessories.\",\n \"groupId\": 3,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 48,\n \"uuid\": \"e406f74a-2708-42e8-9616-24e313185279\",\n \"label\": \"Physical Medicine\",\n \"description\": \"Physical Medicine - specialty that focuses on treating disease, disorders, or injuries through physical rehabilitation.\",\n \"groupId\": 19,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 16,\n \"name\": \"Equity Sales Finance\"\n },\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 12,\n \"uuid\": \"a1155b31-d34d-4623-88a8-3dca0a0dcb60\",\n \"label\": \"Pool and Spas\",\n \"description\": \"Pool and Spas - pool and spa installation, cleaning, and repair, including, in-ground pools, above-ground pools, and indoor pools and spas.\",\n \"groupId\": 1,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 52,\n \"uuid\": \"43976ed0-7aa9-44c6-9527-9bd285e9d7c3\",\n \"label\": \"Psychology\",\n \"description\": \"Psychology - screening, diagnosis, and treatment of mental health disorders through behavior therapy, psychoanalysis, cognitive therapy, and counseling. Weight loss - treatment of obesity through personalized dietary changes, medications, surgery, and exercise plans.\",\n \"groupId\": 19,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 13,\n \"uuid\": \"67a576fa-6d39-482e-bea7-4254168d3cd7\",\n \"label\": \"Roofing\",\n \"description\": \"Roofing - roof repair, installation, inspections, including full replacements, gutter cleaning, leak repair, and shingle replacement.\",\n \"groupId\": 1,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 63,\n \"uuid\": \"d8449211-50aa-4d59-851c-e747392cf41b\",\n \"label\": \"Security Systems\",\n \"description\": null,\n \"groupId\": 1,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 64,\n \"uuid\": \"f59a1e46-2d5d-43c6-9a75-c0baa3738094\",\n \"label\": \"Shades\",\n \"description\": null,\n \"groupId\": 1,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 14,\n \"uuid\": \"edf5dcb1-d5dd-49af-b91d-e1df63983780\",\n \"label\": \"Solar Systems\",\n \"description\": \"Solar Systems - solar panel installation and maintenance, including commercial and residential photovoltaic systems.\",\n \"groupId\": 1,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 55,\n \"uuid\": \"af641f59-7e2e-47df-ac55-55a8711302f8\",\n \"label\": \"Sporting Goods\",\n \"description\": null,\n \"groupId\": 3,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 16,\n \"name\": \"Equity Sales Finance\"\n },\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 47,\n \"uuid\": \"f0e472b5-7b01-4682-8ae3-eb04878243ef\",\n \"label\": \"Stem Cell\",\n \"description\": \"Stem Cell - treatment of diseased, dysfunctional, and injured tissue using hematopoietic stem cell transplantation.\",\n \"groupId\": 19,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 44,\n \"uuid\": \"5a822eb7-bb12-42a3-8abf-dc6c9d986a92\",\n \"label\": \"Tattoo\",\n \"description\": \"Tattoo - procedures related to tattoo removal, cosmetic tattoos, and other body modifications.\",\n \"groupId\": 39,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 43,\n \"uuid\": \"83e90da8-df6f-4aea-8814-bd0748c94b96\",\n \"label\": \"Tax Services\",\n \"description\": \"Tax Services - professional tax services, including tax filing, resolution, and relief.\",\n \"groupId\": 39,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 15,\n \"uuid\": \"6440c4b8-f9c1-4b6a-a5cf-3e77bc0c2af6\",\n \"label\": \"Termite tenting\",\n \"description\": \"Termite Tenting - fumigation services to eliminate pest infestations.\",\n \"groupId\": 1,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 53,\n \"uuid\": \"759e9f70-f6fc-4cb0-ac94-7ac15ff09612\",\n \"label\": \"Urology\",\n \"description\": \"Urology - screening, diagnosis, and treatment of the urinary-tract system and reproductive organs.\",\n \"groupId\": 19,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 33,\n \"uuid\": \"3b5d9538-128e-4646-b6be-38d4da9173d1\",\n \"label\": \"Veterinary\",\n \"description\": \"Veterinary - screening, diagnosis, and treatment of pet health, including vaccinations, specialty care, surgeries, and preventative care.\",\n \"groupId\": 30,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 28,\n \"uuid\": \"5b752406-0861-4516-bd06-d1c491b6bd96\",\n \"label\": \"Vision\",\n \"description\": \"Vision - screening, diagnosis, and treatment of vision related issues, including vision loss and prescription glasses and lenses.\",\n \"groupId\": 19,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 16,\n \"uuid\": \"ee2b1a47-da2b-48fd-a4a9-fc5c4f9e8180\",\n \"label\": \"Water filtration\",\n \"description\": \"Water Filtration - removal and filtration of undesirable chemicals and biological contaminants to ensure clean water.\",\n \"groupId\": 1,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 16,\n \"name\": \"Equity Sales Finance\"\n },\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 17,\n \"uuid\": \"93eaa4dd-3645-4042-8f4d-e1370de76034\",\n \"label\": \"Water heaters\",\n \"description\": \"Water Heating - installation, repair, and maintenance of water heating systems, including electrical and gas heaters, pumps, valves, meters, and pressure regulators.\",\n \"groupId\": 1,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 16,\n \"name\": \"Equity Sales Finance\"\n },\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 29,\n \"uuid\": \"6e6674fe-6d10-47bf-a136-a33edbc95ffe\",\n \"label\": \"Weight Loss\",\n \"description\": \"Weight Loss - development of diet plans, weight-loss supplements, and work-out plans. Also includes gastric bypass, gastric sleeve, and adjustable gastric band surgeries.\",\n \"groupId\": 19,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n },\n {\n \"id\": 18,\n \"uuid\": \"fe6f715f-a833-48e3-895f-d0df889a91a6\",\n \"label\": \"Windows\",\n \"description\": \"Windows - materials and labor costs for window installations, replacements, or custom projects.\",\n \"groupId\": 1,\n \"merchantId\": \"8fa88b72-406d-487d-ac2b-ead4141bc006\",\n \"isFixed\": true,\n \"lendersStatuses\": {\n \"active\": [\n {\n \"id\": 17,\n \"name\": \"Direct-to-Consumer Lenders\"\n }\n ]\n }\n }\n ]\n}"}],"_postman_id":"2efcb4fb-9c86-4c5c-9360-f3bb1dc96ac7"},{"name":"Application","event":[{"listen":"test","script":{"id":"bebf32f2-30f7-4056-8bea-b4a7580b5c8b","exec":["var jsonData = JSON.parse(responseBody);","pm.collectionVariables.set(\"applicationId\", jsonData.id);","pm.collectionVariables.set(\"application-url\", jsonData.url);"],"type":"text/javascript","packages":{},"requests":{}}}],"id":"0e1f9b60-5b85-4277-96f6-8c1f9c7e00a3","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[{"key":"X-MERCHANT-TOKEN","value":"{token}","type":"text"}],"body":{"mode":"raw","raw":"// Assisted application example\n{\n \"mobilePhone\": \"9999999999\",\n \"email\": \"johndoe@test.com\",\n \"requestedAmount\": \"10000\",\n \"productName\": \"pet training\",\n \"industry\": \"31\",\n \"firstName\": \"Test\",\n \"lastName\": \"Testovich\",\n \"ssn\": \"555555555\",\n \"dateOfBirth\": \"03.31.1965\",\n \"residence\": \"own\",\n \"addressStreet1\": \"{\"zip\":\"89052\",\"city\":\"Henderson\",\"state\":\"NV\",\"street\":\"3039 Canal Walk Rd\"}\",\n \"addressStreet2\": \"10A\",\n \"zip\": 91401,\n \"incomeSource\": \"job-income\",\n \"grossMonthlyIncome\": \"5000\"\n}","options":{"raw":{"language":"json"}}},"url":"/api/v1/send-url/applications?host=","description":"Allows to submit a new application.
\nRequired Fields (For Non-Assisted Applications):
\n- \n
industry: Industry ID or Industry UUID (from
\n/industriesresponse) \nmobilePhone: Applicant phone
\n \n
\n\nNote: SMS is not working in the Staging environment, only email.
\n
- \n
email: Applicant email
\n \nrequestedAmount: Requested amount
\n \nproductName: Any product name
\n \n
Optional Fields (For Assisted Applications):
\n- \n
firstName: Applicant's first name
\n \nlastName: Applicant's last name
\n \nhomePhone (optional): Applicant's home phone number
\n \nssn: Applicant's social security number
\n \ndateOfBirth: Applicant's date of birth
\n \nresidenceOwnershipType: Applicant's type of residence (refer to the table below)
\n \n
- \n
addressStreet1: Applicant's street address
\n \naddressStreet2: Applicant's apartment number
\n \nzip: Applicants postal zip code
\n \nincomeSource:
\n \n
- \n
- grossMonthlyIncome: Applicant's gross income value \n
Communication Preferences:
\n- \n
- shouldSendCommunicationsToMerchantInsteadOfConsumer: If true - All standard communication should be directed to the Merchant instead of the applicant. However, completion certificate communications should be sent directly to the applicant. \n
Response Fields:
\n- \n
identifier: Unique application identifier
\n \napplicationId: Application ID (from
\n/applicationresponse) \n
\n
SMS and Email Notifications
\nEnable or disable SMS and email notifications for customers. By default, both notifications are enabled.
\nConfiguration
\nTo configure, modify your JSON file as follows:
\n{\n \"emailNotification\": true, // Set to false to disable\n \"smsNotification\": true // Set to false to disable\n}\n\nExample: Disable SMS Notifications
\n{\n \"emailNotification\": true,\n \"smsNotification\": false\n}\n\nChange true to false to disable the respective notification type.
Default Filter
\nMerchants have the option to set a default filter in Merchant Portal settings for all incoming offers. When an application is submitted through the API endpoint, this default filter is always applied.
\n","urlObject":{"path":["api","v1","send-url","applications"],"host":[""],"query":[{"key":"host","value":""}],"variable":[]}},"response":[{"id":"b23271a2-4a23-4acb-9a34-451906cca4ee","name":"200/Non-assisted application","originalRequest":{"method":"POST","header":[{"key":"X-MERCHANT-TOKEN","value":"{token}","type":"text"}],"body":{"mode":"raw","raw":"\n// Non-assisted application example\n{\n \"mobilePhone\": \"applicant_mobile\",\n \"email\": \"applicant_email\",\n \"requestedAmount\": \"10000\",\n \"productName\": \"Any string\",\n \"industry\": 13\n\n}\n","options":{"raw":{"language":"json"}}},"url":{"raw":"https://dev-m-api.finturf.com/api/v1/send-url/applications?host=","protocol":"https","host":["dev-m-api","finturf","com"],"path":["api","v1","send-url","applications"],"query":[{"key":"host","value":""}]}},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Date","value":"Mon, 16 Oct 2023 19:39:28 GMT","enabled":true},{"key":"Content-Type","value":"application/json","enabled":true},{"key":"Transfer-Encoding","value":"chunked","enabled":true},{"key":"Connection","value":"keep-alive","enabled":true},{"key":"Cache-Control","value":"no-cache, private","enabled":true},{"key":"X-Frame-Options","value":"SAMEORIGIN","enabled":true},{"key":"Strict-Transport-Security","value":"max-age=15724800; includeSubDomains","enabled":true}],"cookie":[],"responseTime":null,"body":"{\n \"id\": \"5096ee6e-4d39-4c1d-842f-f1de768b5b38\",\n \"identifier\": \"PSE63514\",\n \"url\": \"https://dev-m.finturf.com/customer/0985d2b1e33eaed828f90d1cbd36b9be109e0a72e939ed0069d65338b23638b9?redirectBy=email\"\n}"},{"id":"6a36854b-a044-44e3-8eaa-2b17723de811","name":"200/Assisted application","originalRequest":{"method":"POST","header":[{"key":"X-MERCHANT-TOKEN","value":"{token}","type":"text"}],"body":{"mode":"raw","raw":"// Assisted application example\n{\n \"mobilePhone\": \"9999999999\",\n \"email\": \"johndoe@test.com\",\n \"requestedAmount\": \"10000\",\n \"productName\": \"pet training\",\n \"industry\": 31,\n \"firstName\": \"Test\",\n \"lastName\": \"Testovich\",\n \"homePhone\": \"9999999999\",\n \"ssn\": \"555555555\",\n \"dateOfBirth\": \"03.31.1965\",\n \"residenceOwnershipType\": \"\",\n \"zip\": \"\",\n \"addressStreet1\": \"\",\n \"addressStreet2\": \"\",\n \"incomeSource\": \"job-income\",\n \"grossMonthlyIncome\": ,\n \"shouldSendCommunicationsToMerchantInsteadOfConsumer\": false,\n \"isSend\": false,\n \"emailNotification\" : true,\n \"smsNotification\" : true\n}","options":{"raw":{"language":"json"}}},"url":{"raw":"/api/v1/send-url/applications?host=","host":[""],"path":["api","v1","send-url","applications"],"query":[{"key":"host","value":""}]}},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Date","value":"Thu, 09 Jan 2025 19:17:40 GMT","enabled":true},{"key":"Content-Type","value":"application/json","enabled":true},{"key":"Transfer-Encoding","value":"chunked","enabled":true},{"key":"Connection","value":"keep-alive","enabled":true},{"key":"Cache-Control","value":"no-cache, private","enabled":true},{"key":"X-Debug-Token","value":"031862","enabled":true},{"key":"X-Debug-Token-Link","value":"https://dev-m-api.finturf.com/_profiler/031862","enabled":true},{"key":"X-Frame-Options","value":"SAMEORIGIN","enabled":true},{"key":"Strict-Transport-Security","value":"max-age=15724800; includeSubDomains","enabled":true}],"cookie":[],"responseTime":null,"body":"{\n \"id\": \"e0109c5a-a652-4a18-ad71-ba0f54956784\",\n \"identifier\": \"PUU86468\",\n \"url\": \"https://dev-m.finturf.com/app/bc9fc4d472a21132d739b3ce0962132c01437e3936b28df315c1635a56b56d84?redirectBy=email\"\n}"}],"_postman_id":"0e1f9b60-5b85-4277-96f6-8c1f9c7e00a3"},{"name":"Application status web-hook","id":"273d0461-9801-466a-9444-0cb4075309cd","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[],"body":{"mode":"raw","raw":"{\n \"applicationId\": 7239,\n \"applicationStatus\": \"senttocustomer\",\n \"isArchive\": false\n}","options":{"raw":{"language":"json"}}},"url":"","description":"Available by request for Merchants and Partners Webhook triggered by application status change.
\nAvailable statuses:
\n\n\n","urlObject":{"host":[""],"query":[],"variable":[]}},"response":[{"id":"7d6d655f-67bb-4f20-9cad-7695b97b6d1c","name":"Application status web-hook","originalRequest":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"/// \"Standart\" webhook\n{\n \"applicationId\": 7239,\n \"applicationStatus\": \"senttocustomer\",\n \"isArchive\": false\n}\n\n//// Can be enriched with additional data by request. Here is example of aditional fields:\n{\n \"applicationId\": 7039,\n \"isArchive\": false,\n \"createdAt\": \"2023-05-23T16:01:06+00:00\",\n \"applicationStatus\": \"contractsigned\",\n \"applicationDetails\": {\n \"merchantId\": 188,\n \"selectedOffer\": {\n \"apr\": 18.99,\n \"term\": 36,\n \"payment\": 256.56,\n \"lenderId\": 221,\n \"downpayment\": null,\n \"programType\": \"pos\",\n \"financeAmount\": 7000\n },\n \"requestedAmount\": 7000\n }\n}","options":{"raw":{"language":"json"}}},"url":""},"_postman_previewlanguage":"Text","header":null,"cookie":[],"responseTime":null,"body":null}],"_postman_id":"273d0461-9801-466a-9444-0cb4075309cd"}],"id":"bf3c1afd-adf6-4599-85b1-002f427a7970","description":"Note: The current state of application statuses is very dynamic and can be changed with new lender integration, highlighting the most important ones for mapping.
\n
🏪 v1 Merchant API
\n\n\n📌 Environment Information:
\n
Base URLs:
- Test: https://stage-m-api.finturf.com
- Production: https://merchant-api.finturf.com
Authentication:
- Header: `X-MERCHANT-TOKEN`
- Staging: Provided by Finturf
- Production: Create in Merchant Portal
- Wl-host: Partner's subdomain in Finturf system, provided by Finturf
🎯 What You Can Do
\n💼 Use Cases
\n🛒 E-commerce Integration
\nSubmit financing applications during checkout, enabling customers to finance purchases instantly.
\nCustomer Checkout → Application API → Finturf Processing → Approval/Decline\n\n🏬 In-Store Point of Sale
\nCapture customer information at POS terminals and process financing applications in real-time.
\n🖥️ Customer Self-Service Portal
\nBuild branded portals where customers apply for financing directly through your platform.
\n📍 Endpoints
\n","_postman_id":"bf3c1afd-adf6-4599-85b1-002f427a7970"},{"name":"Partner API","item":[{"name":"Merchant Status web-hook","id":"83bf1d4c-fe1e-445e-b057-27633c2a805b","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[],"body":{"mode":"raw","raw":"{\n \"merchantId\": 729,\n \"merchantStatus\": \"review\",\n \"isArchive\": false\n}","options":{"raw":{"language":"json"}}},"url":"","description":"Available by request for Partners
\nIntroduction:
\nThis webhook is triggered whenever there's a change in the merchant status.
\nAvailable merchant statuses:
\n- \n
email sent\nsignup not complete\nreview\npaused\ndeclined\nactive\n
Allows partners to resend the registration email to merchants. It's specifically designed for merchants who are in the \"email sent\" status.
\n","urlObject":{"path":["public","merchants","resend"],"host":[""],"query":[{"key":"host","value":"finturf.com"}],"variable":[]}},"response":[{"id":"db52d5af-19b5-47ec-afe8-20aea2e1d0a3","name":"Resend merchant registration email","originalRequest":{"method":"POST","header":[],"body":{"mode":"raw","raw":"{\n \"email\": \"{{merchantEmail}}\"\n}","options":{"raw":{"language":"json"}}},"url":{"raw":"/public/merchants/resend?host=","host":[""],"path":["public","merchants","resend"],"query":[{"key":"host","value":""}]}},"status":"No Content","code":204,"_postman_previewlanguage":"Text","header":null,"cookie":[],"responseTime":null,"body":null}],"_postman_id":"e44c3873-7da2-4b2c-8d06-135f2935ca18"}],"id":"caee9c99-ba16-4764-ac8b-e7012083f74a","description":"The Partners API is designed to manage the merchant sign-up process and monitor their status.
\nMerchant registration URL: https://merchant.finturf.com/registration
Example with parameters: https://merchant.finturf.com/registration?legalBusinessName=test&firstName=name&lastName=surname&jobTitle=testJt&phoneNumber=1231231234&email=test@test.test&externalMerchantID=123
WL Partners have to replace merchant.finturf.com with their Domain (URL to WL Merchant portal).
Optional URL Parameters:
\n","_postman_id":"caee9c99-ba16-4764-ac8b-e7012083f74a"}],"id":"a16ffa8c-77ad-4c5a-bdd7-7756f8ba4f6c","description":"Legacy endpoints for essential application processing
\nThe v1 API provides core functionality for submitting applications and receiving updates.
\n","_postman_id":"a16ffa8c-77ad-4c5a-bdd7-7756f8ba4f6c"}],"event":[{"listen":"prerequest","script":{"id":"c47c9d1b-0963-4cf4-9d22-0423266104ef","type":"text/javascript","requests":{},"exec":[""]}},{"listen":"test","script":{"id":"68a23083-9138-4db0-a7a7-f6869818f6b8","type":"text/javascript","requests":{},"exec":[""]}}],"variable":[{"key":"x-api-key","value":"test"},{"key":"wl-host","value":"finturf.com"},{"key":"user","value":"merchant_email"},{"key":"password","value":"merchant_password"},{"key":"accessToken","value":"{token}"},{"key":"phone","value":"9999999999"},{"key":"email","value":"johndoe@test.com"},{"key":"amount","value":"10000"},{"key":"product","value":"pet training"},{"key":"industryId","value":"31"},{"key":"applicationId","value":"uuid of application for future mapping"},{"key":"application-url","value":"URL that sent to a customer"},{"key":"firstName","value":"Test"},{"key":"lastName","value":"Testovich"},{"key":"homePhone","value":"9999999999"},{"key":"dateOfBirth","value":"03.31.1965"},{"key":"incomeSource","value":"job-income"},{"key":"ssn","value":"555555555"},{"key":"partner endpoint","value":""},{"key":"residence","value":"own"},{"key":"address","value":"{\"zip\":\"89052\",\"city\":\"Henderson\",\"state\":\"NV\",\"street\":\"3039 Canal Walk Rd\"}"},{"key":"grossIncome","value":"5000"},{"key":"residenceOwnershipType","value":""},{"key":"zip","value":""},{"key":"addressStreet1","value":""},{"key":"addressStreet2","value":""},{"key":"grossMonthlyIncome","value":""},{"key":"base_url","value":""},{"key":"merchant_id","value":""},{"key":"bank_account_id","value":""},{"key":"license_id","value":""},{"key":"user_id","value":""},{"key":"location_id","value":""},{"key":"x-partner-token","value":""},{"key":"app_identifier","value":""},{"key":"role_id","value":""},{"key":"wl-host","value":""},{"key":"offer_stack_id","value":""},{"key":"industry_id","value":""},{"key":"webhook_subscription_id","value":""}]}