---
title: "Request Payment Rail Details"
method: POST
path: "/v1/users/{userId}/liabilities/paymentRails"
tags: ["Payment Requests"]
---

# Request Payment Rail Details

`POST /v1/users/{userId}/liabilities/paymentRails`

## Path parameters

- `userId` string, required

## Request body

- PaymentRailsRequest
  - `creditCardIds` string[] — List of credit card liability IDs.
  - `autoLoanIds` string[] — List of auto loan liability IDs.
  - `homeLoanIds` string[] — List of home loan liability IDs.
  - `personalLoanIds` string[] — List of personal loan liability IDs.
  - `studentLoanIds` string[] — List of student loan liability IDs.

## Response `200`

Success

- PaymentRailsLiabilityResult
  - `creditCardId` string — Credit card liability ID.
  - `autoLoanId` string — Auto loan liability ID.
  - `homeLoanId` string — Home loan liability ID.
  - `personalLoanId` string — Personal loan liability ID.
  - `studentLoanId` string — Student loan liability ID.
  - `miscellaneousLiabilityId` string — Miscellaneous liability ID.
  - `liabilityType` 'STUDENT_LOAN' | 'CREDIT_CARD' | 'AUTO_LOAN' | 'HOME_LOAN' | 'PERSONAL_LOAN' | 'MISCELLANEOUS_LIABILITY', required — The type of liability.
  - `status` 'SUPPORTED' | 'NOT_SUPPORTED' | 'LIABILITY_NOT_FOUND' | 'ACCOUNT_CLOSED' | 'UNKNOWN_ERROR', required — Payment rails resolution status.
  - `paymentRails` PaymentRailsMap
    - `rpps` RppsPaymentRail
      - `billerId` string, required — RPPS biller identifier.

## Other responses

- `400` — Bad request response
- `401` — Unauthorized response
- `404` — Not found response
- `500` — Internal server error response

---

[API](https://skmtc.dev/spinwheel/apis/discover.md) · [All operations](https://skmtc.dev/spinwheel/apis/discover/llms.txt) · [OpenAPI document](https://skmtc-service-production.skmtc.workers.dev/v1/apis/spinwheel/discover/revisions/55b90a2e1dd4/schema)