---
title: "Get Product Credit Limit"
method: POST
path: "/pws/pws_get_product_credit_limit/"
tags: ["Credit limits"]
---

# Get Product Credit Limit

`POST /pws/pws_get_product_credit_limit/`

## Request

- Base URL: `https://api.uat.paymentology.com/ppws/api`
- URL: `https://api.uat.paymentology.com/ppws/api/pws/pws_get_product_credit_limit/`
- Auth: none declared

This web service gets the credit limit and overdraft information for a given product

## Request body

- PwsGetProductLimitModel: View Credit limit of a product
  - `api_call_unique_identifier` string, required: Unique number that must be passed at each API request. Identifier to make each API request unique
  - `client_id` integer, required: Unique identifier for the client which Paymentology will provide at outset
  - `prod_id` integer, required: product Id
  - `user_id` string: User Id of the Customer who triggered the API request.
  - `remarks` string: Remarks for API request

## Response `200`

Successful Response

- PayCreditGetProductCreditLimitResponse
  - `header` PayCreditGetProductCreditLimitResponseHeader
    - `error_id` integer: error id
    - `error_desc` string: error message
  - `body` PayCreditGetProductCreditLimitResponseBody
    - `body` ProductCreditLimit[]
      - `acc_group` integer, required: Acc group
      - `auto_dec_fixed` number, required: Fixed Auto-decrease in the account's Billing Currency
      - `auto_dec_logic` string, required: Relation between Auto-decrease amounts computed based on percent and fixed amount: -- SUM: Sum of them -- MIN: Minimum of two amounts -- MAX: Maximum of two amounts -- AVG: Average of two amounts
      - `auto_dec_perc` number, double, required: Auto-decrease in Percents of the CURRENT credit limit
      - `auto_dec_req_credit_ranking_threshold` integer, required: Credit ranking of the cardholder must be SMALLER than the threshold (-1 means NOT IMPORTANT)
      - `auto_dec_req_full_bc_amount_paid_partially_no` integer, required: Number of consecutive billing cycles where the amount was paid off only partially (0 means NOT IMPORTANT)
      - `auto_dec_req_off_time_payments_no` integer, required: Number of consecutive off-time payments (0 means NOT IMPORTANT)
      - `auto_decrease_frequency` string, required: Automatic decrease frequency in case the criteria is met -- N: Never, Auto-Decrease is disabled -- M: Monthly -- Q: Quarterly -- A: Annually
      - `auto_inc_fixed` number, required: Fixed Auto-increase in the account's Billing Currency
      - `auto_inc_logic` string, required: Relation between Auto-increase amounts computed based on percent and fixed amount: -- SUM: Sum of them -- MIN: Minimum of two amounts -- MAX: Maximum of two amounts -- AVG: Average of two amounts
      - `auto_inc_perc` number, double, required: Auto-increase in Percents of the CURRENT credit limit
      - `auto_inc_req_credit_ranking_threshold` integer, required: Credit ranking of the cardholder must be GREATER than the threshold (-1 means NOT IMPORTANT)
      - `auto_inc_req_full_bc_amount_paid_off_no` integer, required: Number of consecutive billing cycles where the full amount was paid off (0 means NOT IMPORTANT)
      - `auto_inc_req_on_time_payments_no` integer, required: Number of consecutive on-time payments (0 means NOT IMPORTANT)
      - `auto_increase_frequency` string, required: - Automatic increase frequency in case the criteria is met -- N: Never, Auto-Increase is disabled -- M: Monthly -- Q: Quarterly -- A: Annually
      - `credit_limit_amount` number, required: Total size of the credit limit (credit line) established for the card in the given Merchant Category and so on [in BILLING CURRENCY]
      - `credit_limit_ccy` string, required: Credit Limit Currency Code.
      - `credit_limit_percent_of_general` number, double, required: Credit Limit Percentage.
      - `mcc_code` integer, required: MCC Code
      - `mcc_group` string, required: MCC group
      - `merchant_code_description` string, required: MCC Code Description
      - `merchant_group_description` string, required: MCC group Description
      - `merchant_type_category` integer, required: Merchant Type Category
      - `merchant_type_category_description` string, required: MCC Code Category
      - `overdraft_fixed` number, required: Overdraft in fixed available in the given Merchant Category
      - `overdraft_logic` string, required: Relation between overdraft amounts computed based on percent and fixed amount: -- SUM: Sum of them -- MIN: Minimum of two amounts -- MAX: Maximum of two amounts -- AVG: Average of two amounts
      - `overdraft_perc` number, double, required: Overdraft in Percents available in the given Merchant Category
      - `prod_id` integer, required: product Id
      - `include_interest_in_available_amt` boolean: Indicator if the interest owed is counted against the available credit line
      - `auto_inc_req_high_net_worth_indicator` boolean: High Net Worth indicator (NULL means NOT IMPORTANT)
      - `auto_dec_req_high_net_worth_indicator` boolean: High Net Worth indicator (NULL means NOT IMPORTANT)

## Other responses

- `404`: Webservices does not exist
- `500`: Internal Server error

## Changes

- **2026-11-03** `73c2771493b1`: 1 info
  - endpoint added

[Operation history](https://skmtc.dev/paymentology/apis/payapi-docs/changes/pws/pws_get_product_credit_limit/post.md)

---

[API](https://skmtc.dev/paymentology/apis/payapi-docs.md) - [All operations](https://skmtc.dev/paymentology/apis/payapi-docs/llms.txt) - [OpenAPI document](https://skmtc.dev/paymentology/apis/payapi-docs/revisions/73c2771493b1?raw)