Coverage

Check case eligibility and get assigned partner

Changed on Oct 1, 2026

Determine if a case can be submitted and get partner + PoA status.

Request Fields:

CountryAlpha2 (required) - Debtor country (e.g., 'DK', 'US', 'DE')
StateAlpha2 (conditional) - Required for US debtors (e.g., 'CA', 'NY')
DebtorType (required) - 'Company' or 'Private'
Amount (required) - Amount to recover
CurrencyCode (required) - Currency (e.g., 'USD', 'EUR', 'DKK')

Response:

IsEligible (boolean) - Whether case can be submitted
Partner - Specific partner that will handle this case
PowerOfAttorneyStatus - PoA signing status for the matched partner

Note: Does NOT check SDCA status. Use GET /contracts/debt-collection/status for that.

post/coverage/check-eligibility

Request

Base URL
https://customer-api.debitura.com
URL
https://customer-api.debitura.com/coverage/check-eligibility
Auth
- API key in header XApiKey
- or HTTP bearer

Request body

countryAlpha2string required

Debtor country (2-letter ISO code, e.g., "DK", "US", "DE")

stateAlpha2string nullable

US state code for US debtors (e.g., "CA", "NY"). Required if CountryAlpha2 = "US"

debtorTypestring required

Debtor type: "Company" or "Private"

amountnumber double required

Amount to recover in specified currency

currencyCodestring required

Currency code (e.g., "USD", "EUR", "DKK")

Example request

{
  "countryAlpha2": "PL",
  "debtorType": "Company",
  "amount": 2500,
  "currencyCode": "EUR"
}

Response

Eligibility check completed

isEligibleboolean

Whether a collection partner is available for this case

errorMessagestring nullable

Error message if IsEligible = false. Branch on IneligibilityReasonCode rather than on this text, which may be reworded.

ineligibilityReasonCodestring nullable

Stable machine-readable reason, present whenever ErrorMessage is. One of: NoGeographicCoverage, AmountBelowMinimum, AmountAboveMaximum, DebtorTypeNotCovered, NotCoveredByPartnerRules, ExcludedForClient, EligibilityUndetermined.

Only NoGeographicCoverage means we have no partner in the jurisdiction. AmountBelowMinimum means the geography IS covered and only the claim amount fell short. EligibilityUndetermined is a transient failure on our side, not a statement about coverage.

applicableMinimumAmountnumber double nullable

What this claim would have to reach to be accepted, in the currency of the request; never below the platform minimum of 100 USD. Only present when no partner was matched. Withheld when the client's own routing exclusions mean the number would not be reachable for them, and when the request currency cannot be priced. Null when no partner covering this case declares a minimum.

applicableMinimumCurrencyCodestring nullable

ISO code that ApplicableMinimumAmount is expressed in.

marketMinimumAmountnumber double nullable

The smallest claim the marketplace takes for this jurisdiction and debtor type, in the currency of the request: the lowest partner floor, never below the platform minimum of 100 USD. A statement about the market, not about this claim: it is returned whether or not a partner was selected, and does not depend on the claim amount or on the caller. It is not the admission rules applied when a case is created. Null when no partner covers the market or the amount cannot be priced.

marketMinimumCurrencyCodestring nullable

ISO code that MarketMinimumAmount is expressed in.

amountCheckUnavailableboolean

True when a currency conversion needed to evaluate the claim amount was unavailable, so the amount-based part of this answer was NOT actually checked It can be true on an eligible answer: a partner matched only because amount conditions failed open while rates were down. Treat such an answer as provisional and retry rather than relying on the floor having been applied.

Changes

Oct 1, 20264f9b5bb5655d Revision changes
- info
  added the optional property to the response with the status (media type: text/plain)
- info
  added the optional property to the response with the status (media type: application/json)
- info
  added the optional property to the response with the status (media type: text/json)
- info
  added the optional property to the response with the status (media type: text/plain)
- info
  added the optional property to the response with the status (media type: application/json)
- info
  added the optional property to the response with the status (media type: text/json)
Sep 26, 2026068b4b4f1d89 Revision changes
- info
  added the optional property to the response with the status (media type: text/plain)
- info
  added the optional property to the response with the status (media type: application/json)
- info
  added the optional property to the response with the status (media type: text/json)
- info
  added the optional property to the response with the status (media type: text/plain)
- info
  added the optional property to the response with the status (media type: application/json)
- info
  added the optional property to the response with the status (media type: text/json)
- info
  added the optional property to the response with the status (media type: text/plain)
- info
  added the optional property to the response with the status (media type: application/json)
- info
  added the optional property to the response with the status (media type: text/json)
- info
  added the optional property to the response with the status (media type: text/plain)
- info
  added the optional property to the response with the status (media type: application/json)
- info
  added the optional property to the response with the status (media type: text/json)

Operation history