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

# Create Product Credit Limit

`POST /pws/pws_product_credit_limit/`

## Request

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

This web service creates a credit limit and optional overdraft for a product. Optionally scope the limit and overdraft to a specific Merchant Category.

## Request body

- PwsProductCreditLimitModel: Create a Credit Limit
  - `api_call_unique_identifier` string, required: Unique number that must be passed at each API request. Identifier to make each API request unique
  - `auto_dec_fixed` number, required: Fixed Auto-decrease in the account's Billing Currency
  - `auto_dec_logic` string, required: <p>Relation between Auto-decrease amounts computed based on percent and fixed amount.possible value are:</p> <ul><li> SUM: Sum of them</li> <li>MIN: Minimum of two amounts</li> <li>MAX: Maximum of two amounts</li> <li>AVG: Average of two amounts</li></ul>
  - `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: <p>Automatic decrease frequency in case the criteria is met.Possible values are:</p> <ul><li>N: Never, Auto-Increase is disabled</li> <li>M: Monthly</li> <li>Q: Quarterly</li> <li>A: Annually</li></ul>
  - `auto_inc_fixed` number, required: Fixed Auto-increase in the account's Billing Currency
  - `auto_inc_logic` string, required: <p>Relation between Auto-increase amounts computed based on percent and fixed amount.possible values are:</p> <ul><li> SUM: Sum of them</li> <li>MIN: Minimum of two amounts</li> <li>MAX: Maximum of two amounts</li> <li>AVG: Average of two amounts</li></ul>
  - `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: <p>Automatic increase frequency in case the criteria is met.The possible value can be </p> <ul><li>N: Never, Auto-Increase is disabled</li> <li>M: Monthly</li> <li>Q: Quarterly</li> <li>A: Annually</li></ul>
  - `client_id` integer, required: Unique identifier for the client which Paymentology will provide at outset
  - `mcc_code` integer, required: MCC Code
  - `mcc_group` string, required: MCC group
  - `merchant_type_category` integer, required: Merchant Type Category
  - `overdraft_fixed` number, required: Overdraft as a fixed amount (in billing currency). Optionally restricted to a specific Merchant Category.
  - `overdraft_logic` string, required: <p>Relation between overdraft amounts computed based on percent and fixed amount.possible values can be:</p> <ul><li> SUM: Sum of them</li> <li>MIN: Minimum of two amounts</li> <li>MAX: Maximum of two amounts</li> <li>AVG: Average of two amounts</li></ul>
  - `overdraft_perc` number, double, required: Overdraft as a percent of total available credit.Optionally restricted to a specific Merchant Category.
  - `prod_id` integer, required: The id for the product to apply the credit limit to
  - `user_id` string: User Id of the Customer who triggered the API request.
  - `remarks` string: Remarks for API request
  - `group_id` integer: The id for the group to apply the credit limit
  - `credit_limit_amount` number: Total size of the credit limit (credit line) established for the card in the given Merchant Category<p> credit_limit_amount is optional when credit_limit_percent_of_general is set for merchant specific</p>
  - `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)
  - `credit_limit_percent_of_general` number: merchant specific credit limit that can be set as percent of general credit limit

## Response `200`

Successful Response

- CreditLimitResponse
  - `header` CreditLimitHeader
    - `error_id` integer: error id
    - `error_desc` string: error message
  - `body` CreditLimitBody
    - `message` string: message

## 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_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)