---
title: "Request a credit check"
method: POST
path: "/customers/{customer_id}/credit-check"
tags: ["Customers"]
---

# Request a credit check

`POST /customers/{customer_id}/credit-check`

## Request

- Base URL: `https://app-sandbox.resolvepay.com/api`
- URL: `https://app-sandbox.resolvepay.com/api/customers/{customer_id}/credit-check`
- Auth: one of:
  - HTTP bearer
  - HTTP basic
- TypeScript: <https://skmtc.dev/resolvepay/apis/resolve-partners-api-reference/docs/customers/:customer_id/credit-check/post.ts> (a function with typed inputs; its response is checked against the schema)

You may request a credit check on a customer who hasn't previously been credit checked.
This endpoint returns no content. You'll be able to see the date you requested the credit check
(`credit_check_requested_at`) and `credit_status` updated to `pending` or, in the case of an instant decision,
`approved` or `declined` by fetching the Customer entity.

A `hold` credit status represents when a customer's credit account is overdue.
A `deactivated` credit status represents when a customer's credit account has been deactivated.

When a customer's `credit_status` is `approved` - the customer's `net_terms_status` represents the current state of a customer's enrollment in the approved net terms offer.
See <a href="#operation/fetchCustomer">#fetchCustomer</a> for more details.

Note: Except for instant decisions, a decision should be reflected on the Customer entity within 1 business day.

## Path parameters

- `customer_id` string, required

## Request body

- CustomerCreditCheckRequest
  - `amount_requested` number, required: Request an amount (plus buffer) to cover your customer's purchases over their payment term. This can be increased later.
  - `business_description` string, nullable: A description of your customer's business.
  - `has_purchase_history` boolean, required: Indicates whether this customer has prior purchase history with the sub-merchant. When `true`, the sub-merchant has prior purchase history with this customer.
  - `has_purchase_terms_history` boolean: Required if `has_purchase_history = true`. Indicates whether this customer has prior purchase history on net terms with the sub-merchant. When `true`, the sub-merchant has prior net terms purchase history with this customer.

## Response `204`

Credit check request accepted.

## Other responses

- `400`: Bad request error
- `401`: Unauthorized error
- `404`: Not found error
- `422`: Credit check already created for this customer
- `429`: Rate limit error

---

[API](https://skmtc.dev/resolvepay/apis/resolve-partners-api-reference.md) - [All operations](https://skmtc.dev/resolvepay/apis/resolve-partners-api-reference/llms.txt) - [OpenAPI document](https://skmtc.dev/resolvepay/apis/resolve-partners-api-reference/revisions/5a1c75b8b404?raw)