---
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`

## Request

- Base URL: `https://sandbox-api.spinwheel.io`
- URL: `https://sandbox-api.spinwheel.io/v1/users/{userId}/liabilities/paymentRails`
- Auth: API key in header `Authorization`

## 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/pay.md) - [All operations](https://skmtc.dev/spinwheel/apis/pay/llms.txt) - [OpenAPI document](https://skmtc.dev/spinwheel/apis/pay/revisions/58ba91f8ae13?raw)