ChargeAfter Consumers V2 API

openapi: 3.2.0
info:
  title: Chargeafter Consumers V2 API
  contact:
    name: Customer Support
    email: support@chargeafter.com
  termsOfService: https://chargeafter.com/privacy-policy
  version: '1.0'
  description: 'Operations tagged ConsumersV2 across 3 of this provider''s published API definitions: chargeafter-consumer-api-openapi.yml, chargeafter-consumer-credit-lookup-openapi.yml, chargeafter-consumer-details-openapi.yml. Each path carries the servers of the definition it was published in.'
servers:
- url: https://api-sandbox.ca-dev.co
  description: Local Environment
- url: https://api.chargeafter.com
  description: Production Environment
- url: https://api-develop.ca-dev.co
  description: Local Environment
security:
- apiKey: []
tags:
- name: ConsumersV2
paths:
  /v2/consumers/{consumerId}:
    servers:
    - url: https://api-sandbox.ca-dev.co
      description: Local Environment
    - url: https://api.chargeafter.com
      description: Production Environment
    get:
      tags:
      - ConsumersV2
      summary: Get consumer details
      description: Returns consumer details
      parameters:
      - name: consumerId
        in: path
        description: Unique identifier of the consumer
        required: true
        schema:
          type: string
      - name: channel
        in: query
        description: 'Optional Channel. If not provided, the E_COMMERCE channel will be used.<br />

          Other options are IN_STORE / CALL_CENTER / IN_HOME'
        schema:
          type: string
      - name: storeId
        in: query
        description: The store identifier
        schema:
          type: string
      - name: posId
        in: query
        description: The point of sale identifier
        schema:
          type: string
      - name: posType
        in: query
        description: The point of sale type
        schema:
          allOf:
          - $ref: '#/components/schemas/ChargeAfter.Libraries.Entities.PosType'
      - name: currency
        in: query
        description: Optional ISO 4217 currency code. If not provided, the USD currency will be used.
        schema:
          type: string
      responses:
        '200':
          description: Consumer is found
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ChargeAfter.ConsumersV1.WebApi.Contracts.Responses.ConsumerResponse'
        '400':
          description: Bad Request Error
          content:
            application/json:
              schema:
                type: object
                properties:
                  requestId:
                    type: string
                    example: Unique RequestId
                  message:
                    type: string
                    example: Message Describing The Error
        '401':
          description: Unauthorized
        '404':
          description: Consumer is not found or the user is unauthorized to request
          content:
            application/json:
              schema:
                example:
                  errorCode: '0'
                  code: '400'
                  message: Consumer is not found
        '422':
          description: Input Validation Error
          content:
            application/json:
              schema:
                type: object
                properties:
                  requestId:
                    type: string
                  message:
                    type: string
                  errors:
                    type: array
                    items:
                      properties:
                        field:
                          type: string
                        validationState:
                          type: string
                        error:
                          type: string
                example:
                  RequestId: Unique RequestId
                  Message: Input Validation Failure
                  Errors:
                  - Field: RequestField1
                    ValidationState: Invalid
                    Error: RequestField1 should be up to 150 characters, and can contain a-z, A-Z, _ characters.
        '500':
          description: General Server Error
          content:
            application/json:
              schema:
                example:
                  requestId: Unique RequestId
                  errors:
                  - code: '1'
                    description: Internal unknown error occurred
  /v2/consumers/{consumerId}/accounts:
    servers:
    - url: https://api-sandbox.ca-dev.co
      description: Local Environment
    - url: https://api.chargeafter.com
      description: Production Environment
    get:
      tags:
      - ConsumersV2
      summary: Get accounts by consumerId
      description: Lookup existing accounts by consumerId
      parameters:
      - name: consumerId
        in: path
        description: Unique identifier of the consumer
        required: true
        schema:
          type: string
      - name: channel
        in: query
        description: 'Optional Channel. If not provided, the E_COMMERCE channel will be used.<br />

          Other options are IN_STORE / CALL_CENTER / IN_HOME'
        schema:
          type: string
      - name: storeId
        in: query
        description: The store identifier
        schema:
          type: string
      - name: posId
        in: query
        description: The point of sale identifier
        schema:
          type: string
      - name: posType
        in: query
        description: The point of sale type
        schema:
          allOf:
          - $ref: '#/components/schemas/ChargeAfter.Libraries.Entities.PosType'
      - name: currency
        in: query
        description: Optional ISO 4217 currency code. If not provided, the USD currency will be used.
        schema:
          type: string
      responses:
        '200':
          description: Request is successful
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ChargeAfter.ConsumersV1.WebApi.Contracts.Responses.LookupAccountsResponse'
        '400':
          description: Bad Request Error
          content:
            application/json:
              schema:
                type: object
                properties:
                  requestId:
                    type: string
                    example: Unique RequestId
                  message:
                    type: string
                    example: Message Describing The Error
        '401':
          description: Unauthorized
        '404':
          description: Consumer is not found or the user is unauthorized to request
          content:
            application/json:
              schema:
                example:
                  errorCode: '0'
                  code: '400'
                  message: Consumer is not found
        '422':
          description: Server unable to process request because it contains invalid data
          content:
            application/json:
              schema:
                type: object
                properties:
                  requestId:
                    type: string
                  message:
                    type: string
                  errors:
                    type: array
                    items:
                      properties:
                        field:
                          type: string
                        validationState:
                          type: string
                        error:
                          type: string
                example:
                  RequestId: Unique RequestId
                  Message: Input Validation Failure
                  Errors:
                  - Field: RequestField1
                    ValidationState: Invalid
                    Error: RequestField1 should be up to 150 characters, and can contain a-z, A-Z, _ characters.
        '500':
          description: General Server Error
          content:
            application/json:
              schema:
                example:
                  requestId: Unique RequestId
                  errors:
                  - code: '1'
                    description: Internal unknown error occurred
  /v2/consumers/credit/lookup:
    servers:
    - url: https://api-develop.ca-dev.co
      description: Local Environment
    - url: https://api.chargeafter.com
      description: Production Environment
    post:
      tags:
      - ConsumersV2
      summary: Credit Lookup
      description: Returns the consumer's available credit based on limited PII info
      parameters: []
      requestBody:
        content:
          application/json-patch+json:
            schema:
              allOf:
              - $ref: '#/components/schemas/ChargeAfter.ConsumersV1.WebApi.Contracts.Requests.LookupCreditRequestBody'
          application/json:
            schema:
              allOf:
              - $ref: '#/components/schemas/ChargeAfter.ConsumersV1.WebApi.Contracts.Requests.LookupCreditRequestBody'
          text/json:
            schema:
              allOf:
              - $ref: '#/components/schemas/ChargeAfter.ConsumersV1.WebApi.Contracts.Requests.LookupCreditRequestBody'
          application/*+json:
            schema:
              allOf:
              - $ref: '#/components/schemas/ChargeAfter.ConsumersV1.WebApi.Contracts.Requests.LookupCreditRequestBody'
      responses:
        '200':
          description: Request is successful
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ChargeAfter.ConsumersV1.WebApi.Contracts.Responses.LookupCreditResponse'
        '400':
          description: Bad Request
          content:
            application/json:
              schema:
                type: object
                properties:
                  requestId:
                    type: string
                    example: Unique RequestId
                  message:
                    type: string
                    example: Message Describing The Error
        '401':
          description: Unauthorized
        '422':
          description: Input Validation Error
          content:
            application/json:
              schema:
                type: object
                properties:
                  requestId:
                    type: string
                  message:
                    type: string
                  errors:
                    type: array
                    items:
                      properties:
                        field:
                          type: string
                        validationState:
                          type: string
                        error:
                          type: string
                example:
                  RequestId: Unique RequestId
                  Message: Input Validation Failure
                  Errors:
                  - Field: RequestField1
                    ValidationState: Invalid
                    Error: RequestField1 should be up to 150 characters, and can contain a-z, A-Z, _ characters.
        '500':
          description: General Server Error
          content:
            application/json:
              schema:
                example:
                  requestId: Unique RequestId
                  errors:
                  - code: '1'
                    description: Internal unknown error occurred
  /v2/consumers/consumer-details:
    servers:
    - url: https://api-sandbox.ca-dev.co
      description: Sandbox Environment
    - url: https://api.chargeafter.com
      description: Production Environment
    post:
      tags:
      - ConsumersV2
      summary: Get accounts and account token
      description: Combines account lookup and account token creation for approved accounts
      parameters: []
      requestBody:
        content:
          application/json:
            schema:
              allOf:
              - $ref: '#/components/schemas/ChargeAfter.ConsumersV1.WebApi.Contracts.Requests.LookupAccountsByConsumerDetailsRequestBody'
      responses:
        '200':
          description: Request is successful
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ChargeAfter.ConsumersV1.WebApi.Contracts.Responses.LookupAccountsResponse_2'
        '400':
          description: Bad Request
          content:
            application/json:
              schema:
                type: object
                properties:
                  requestId:
                    type: string
                    example: Unique RequestId
                  message:
                    type: string
                    example: Message Describing The Error
        '401':
          description: Unauthorized
        '422':
          description: Input Validation Error
          content:
            application/json:
              schema:
                type: object
                properties:
                  requestId:
                    type: string
                  message:
                    type: string
                  errors:
                    type: array
                    items:
                      properties:
                        field:
                          type: string
                        validationState:
                          type: string
                        error:
                          type: string
                example:
                  RequestId: Unique RequestId
                  Message: Input Validation Failure
                  Errors:
                  - Field: RequestField1
                    ValidationState: Invalid
                    Error: RequestField1 should be up to 150 characters, and can contain a-z, A-Z, _ characters.
        '500':
          description: General Server Error
          content:
            application/json:
              schema:
                example:
                  requestId: Unique RequestId
                  errors:
                  - code: '1'
                    description: Internal unknown error occurred
components:
  schemas:
    ChargeAfter.ConsumersV1.WebApi.Contracts.Requests.ConsumerAccountsCheckoutDetails:
      type: object
      properties:
        currency:
          type:
          - string
          - 'null'
          description: Optional ISO 4217 currency code. If not provided, the USD currency will be used.
        channel:
          type:
          - string
          - 'null'
          description: 'Optional Channel. If not provided, the E_COMMERCE channel will be used.<br />

            Other options are IN_STORE / CALL_CENTER / IN_HOME'
      additionalProperties: false
    ChargeAfter.Libraries.WebApi.Contracts.Responses.Offers.Models.EligibilityStatus:
      enum:
      - Eligible
      - Ineligible
      type: string
    ChargeAfter.ConsumersV1.WebApi.Contracts.Responses.LookupAccountsResponse_2:
      required:
      - applicationId
      type: object
      properties:
        accountsInfo:
          type:
          - array
          - 'null'
          items:
            $ref: '#/components/schemas/ChargeAfter.ConsumersV1.WebApi.Contracts.Models.AccountInfo'
          description: Consumer accounts with additional information
        applicationId:
          minLength: 1
          type: string
          description: Unique identifier of the application
        failures:
          type:
          - array
          - 'null'
          items:
            $ref: '#/components/schemas/ChargeAfter.ConsumersV1.WebApi.Contracts.Models.Failure'
          description: List of failed lookups and unusable accounts
      additionalProperties: false
    ChargeAfter.ConsumersV1.WebApi.Contracts.Responses.LookupAccountsResponse:
      required:
      - applicationId
      type: object
      properties:
        accountsInfo:
          type:
          - array
          - 'null'
          items:
            $ref: '#/components/schemas/ChargeAfter.ConsumersV1.WebApi.Contracts.Models.AccountInfo'
          description: Consumer accounts with additional information
        applicationId:
          minLength: 1
          type: string
          description: Unique identifier of the application
      additionalProperties: false
    ChargeAfter.Libraries.WebApi.Contracts.Responses.Offers.Models.PromoSettings:
      type: object
      properties:
        isPromo:
          type: boolean
        numberOfPeriods:
          type:
          - integer
          - 'null'
          format: int32
        periodicPayment:
          type:
          - number
          - 'null'
          format: double
        periodType:
          allOf:
          - $ref: '#/components/schemas/ChargeAfter.Libraries.Entities.PeriodType'
        apr:
          type:
          - number
          - 'null'
          format: double
        type:
          type:
          - string
          - 'null'
      additionalProperties: false
    ChargeAfter.Libraries.WebApi.Contracts.Responses.Offers.Models.Account:
      required:
      - id
      - lenderId
      - lenderName
      - offers
      - status
      type: object
      properties:
        id:
          minLength: 1
          type: string
        lenderId:
          minLength: 1
          type: string
        lenderName:
          minLength: 1
          type: string
        status:
          allOf:
          - $ref: '#/components/schemas/ChargeAfter.Contracts.AccountStatus'
        offers:
          type: array
          items:
            $ref: '#/components/schemas/ChargeAfter.Libraries.WebApi.Contracts.Responses.Offers.Models.Offer'
        creditInfo:
          allOf:
          - $ref: '#/components/schemas/ChargeAfter.Libraries.WebApi.Contracts.Responses.Offers.Models.CreditInfo'
      additionalProperties: false
    ChargeAfter.ConsumersV1.WebApi.Contracts.Models.LookupCreditConsumerDetails:
      type: object
      properties:
        firstName:
          type:
          - string
          - 'null'
          description: The first name of the consumer.
          example: Tomes
        lastName:
          type:
          - string
          - 'null'
          description: The last name of the consumer.
          example: Tasio
        email:
          type:
          - string
          - 'null'
          description: Consumer email.
          example: john.doe@gmail.com
        dateOfBirth:
          type:
          - string
          - 'null'
          description: Date of birth in ISO 8601 format
          format: date-time
          example: '1994-05-12T00:00:00Z'
        socialSecurityNumber:
          type:
          - string
          - 'null'
          description: 'US Social security number (SSN).<br />

            9-digits number without dashes.'
          example: '123456789'
        last4SsnDigits:
          type:
          - string
          - 'null'
          description: 'US Social security number (SSN) last 4 digits.<br />

            4-digits number without dashes.

            If provided together with full SSN it must match its last 4 digits.'
          example: '6789'
        mobilePhoneNumber:
          type:
          - string
          - 'null'
          description: The mobile phone number of the consumer.
          example: '52342358765'
      additionalProperties: false
    ChargeAfter.Libraries.WebApi.Contracts.Language:
      enum:
      - En
      - Fr
      type: string
    ChargeAfter.Libraries.WebApi.Contracts.MarriageStatus:
      enum:
      - Not Married
      - Married
      type: string
    ChargeAfter.Libraries.WebApi.Contracts.Responses.Offers.Models.DisclosureType:
      enum:
      - Link
      - Hosted
      type: string
    ChargeAfter.ConsumersV1.WebApi.Contracts.Models.LookupCreditMerchantDetails:
      type: object
      properties:
        storeId:
          type:
          - string
          - 'null'
          description: The store identifier
        channel:
          type:
          - string
          - 'null'
          description: 'Optional Channel. If not provided, the E_COMMERCE channel will be used.<br />

            Other options are IN_STORE / CALL_CENTER / IN_HOME'
      additionalProperties: false
    ChargeAfter.Contracts.AccountStatus:
      enum:
      - None
      - New
      - NotFound
      - PreApproved
      - Approved
      - Banned
      - Declined
      - Error
      - Pending
      - PartiallyApproved
      - Frozen
      - PreDeclined
      - PendingConsumer
      type: string
    ChargeAfter.Libraries.Entities.PeriodType:
      enum:
      - Day
      - Month
      - Week
      - BiWeek
      type: string
    ChargeAfter.Libraries.Entities.ResidenceType:
      enum:
      - OWN
      - RENT
      - OTHER
      type: string
    ChargeAfter.Libraries.WebApi.Contracts.Responses.Offers.Models.OfferDisclosures:
      type: object
      properties:
        apply:
          allOf:
          - $ref: '#/components/schemas/ChargeAfter.Libraries.WebApi.Contracts.Responses.Offers.Models.Disclosure'
        confirm:
          allOf:
          - $ref: '#/components/schemas/ChargeAfter.Libraries.WebApi.Contracts.Responses.Offers.Models.Disclosure'
      additionalProperties: false
    ChargeAfter.ConsumersV1.WebApi.Contracts.Requests.LookupAccountsByConsumerDetailsRequestBody:
      required:
      - consumerDetails
      type: object
      properties:
        consumerDetails:
          allOf:
          - $ref: '#/components/schemas/ChargeAfter.Libraries.WebApi.Contracts.ConsumerDetails'
          description: Consumer details
        checkoutDetails:
          allOf:
          - $ref: '#/components/schemas/ChargeAfter.ConsumersV1.WebApi.Contracts.Requests.ConsumerAccountsCheckoutDetails'
          description: Optional checkout details
        merchantDetails:
          allOf:
          - $ref: '#/components/schemas/ChargeAfter.BFF.WebApi.Contracts.Models.MerchantDetails'
          description: Optional merchant details
      additionalProperties: false
    ChargeAfter.Libraries.WebApi.Contracts.ConsumerDetails:
      required:
      - billingAddress
      - dateOfBirth
      - email
      - firstName
      - lastName
      - netMonthlyIncome
      - shippingAddress
      type: object
      properties:
        firstName:
          minLength: 1
          type: string
        lastName:
          minLength: 1
          type: string
        email:
          minLength: 1
          type: string
        shippingAddress:
          allOf:
          - $ref: '#/components/schemas/ChargeAfter.Libraries.WebApi.Contracts.Address'
        billingAddress:
          allOf:
          - $ref: '#/components/schemas/ChargeAfter.Libraries.WebApi.Contracts.Address'
        spouseInfo:
          allOf:
          - $ref: '#/components/schemas/ChargeAfter.Libraries.WebApi.Contracts.SpouseInfo'
        marriageStatus:
          allOf:
          - $ref: '#/components/schemas/ChargeAfter.Libraries.WebApi.Contracts.MarriageStatus'
        netMonthlyIncome:
          type: number
          format: double
        annualNetIncome:
          type:
          - number
          - 'null'
          format: double
        annualGrossIncome:
          type:
          - number
          - 'null'
          format: double
        updatedIncomeType:
          allOf:
          - $ref: '#/components/schemas/ChargeAfter.Libraries.Entities.IncomeType'
        monthlyHousingPaymentIncome:
          type:
          - number
          - 'null'
          format: double
        grossMonthlyIncome:
          type:
          - number
          - 'null'
          format: double
        dateOfBirth:
          type: string
          format: date-time
        socialSecurityNumber:
          type:
          - string
          - 'null'
        additionalIds:
          allOf:
          - $ref: '#/components/schemas/ChargeAfter.Libraries.WebApi.Contracts.AdditionalIds'
        mobilePhoneNumber:
          type:
          - string
          - 'null'
        housingStatus:
          allOf:
          - $ref: '#/components/schemas/ChargeAfter.Libraries.Entities.ResidenceType'
        preferences:
          allOf:
          - $ref: '#/components/schemas/ChargeAfter.Libraries.WebApi.Contracts.Preferences'
        merchantConsumerId:
          type:
          - string
          - 'null'
      additionalProperties: false
    ChargeAfter.ConsumersV1.WebApi.Contracts.Models.AccountInfo:
      required:
      - account
      type: object
      properties:
        account:
          allOf:
          - $ref: '#/components/schemas/ChargeAfter.Libraries.WebApi.Contracts.Responses.Offers.Models.Account'
          description: Consumer account as returned by the configured lender
        accountToken:
          type:
          - string
          - 'null'
          description: Account token used for confirmation/charge creation. Returned for approved account
      additionalProperties: false
    ChargeAfter.Libraries.WebApi.Contracts.Responses.Offers.Models.Eligibility:
      type: object
      properties:
        status:
          allOf:
          - $ref: '#/components/schemas/ChargeAfter.Libraries.WebApi.Contracts.Responses.Offers.Models.EligibilityStatus'
        ineligibilityReason:
          type:
          - string
          - 'null'
      additionalProperties: false
    ChargeAfter.Libraries.WebApi.Contracts.AdditionalIds:
      type: object
      properties:
        socialInsuranceNumber:
          type:
          - string
          - 'null'
      additionalProperties: false
    ChargeAfter.Libraries.Entities.IncomeType:
      enum:
      - MonthlyNet
      - MonthlyGross
      - AnnualNet
      - AnnualGross
      type: string
    ChargeAfter.Libraries.WebApi.Contracts.SpouseInfo:
      type: object
      properties:
        spouseSameAddress:
          allOf:
          - $ref: '#/components/schemas/ChargeAfter.Libraries.WebApi.Contracts.BoolType'
        spouseAddress:
          allOf:
          - $ref: '#/components/schemas/ChargeAfter.Libraries.WebApi.Contracts.Address'
        spouseFirstName:
          type:
          - string
          - 'null'
        spouseLastName:
          type:
          - string
          - 'null'
      additionalProperties: false
    ChargeAfter.Libraries.WebApi.Contracts.Responses.Offers.Models.FinancialProductType:
      enum:
      - LineOfCredit
      - Installments
      - LeaseToOwn
      - MerchantSelfFinancing
      type: string
    ChargeAfter.ConsumersV1.WebApi.Contracts.Responses.Address:
      type: object
      properties:
        city:
          type:
          - string
          - 'null'
          example: Springfield
        line1:
          type:
          - string
          - 'null'
          example: 273 Lee Avenue
        line2:
          type:
          - string
          - 'null'
        state:
          type:
          - string
          - 'null'
          example: MA
        zipCode:
          type:
          - string
          - 'null'
          example: '01104'
        country:
          type:
          - string
          - 'null'
          example: US
      additionalProperties: false
    ChargeAfter.ConsumersV1.WebApi.Contracts.Responses.AdditionalIds:
      type: object
      properties:
        socialInsuranceNumber:
          type:
          - string
          - 'null'
          example: '454654654'
      additionalProperties: false
    ChargeAfter.Libraries.WebApi.Contracts.Address:
      required:
      - city
      - country
      - line1
      - state
      - zipCode
      type: object
      properties:
        country:
          minLength: 1
          type: string
        state:
          minLength: 1
          type: string
        city:
          minLength: 1
          type: string
        line1:
          minLength: 1
          type: string
        line2:
          type:
          - string
          - 'null'
        zipCode:
          minLength: 1
          type: string
      additionalProperties: false
    ChargeAfter.Libraries.WebApi.Contracts.Responses.Offers.Models.Error:
      type: object
      properties:
        code:
          type:
          - string
          - 'null'
        description:
          type:
          - string
          - 'null'
        metadata:
          type:
          - object
          - 'null'
          additionalProperties: {}
        applicationType:
          allOf:
          - $ref: '#/components/schemas/ChargeAfter.Libraries.WebApi.Contracts.Responses.Offers.Models.ApplicationType'
      additionalProperties: false
    ChargeAfter.Libraries.WebApi.Contracts.Responses.Offers.Models.FailureStatus:
      enum:
      - None
      - NotFound
      - PreApproved
      - Approved
      - Banned
      - Declined
      - NonUsable
      - Error
      - Pending
      - Ineligible
      - Cancelled
      type: string
    ChargeAfter.ConsumersV1.WebApi.Contracts.Requests.LookupCreditRequestBody:
      required:
      - consumerDetails
      type: object
      properties:
        consumerDetails:
          allOf:
          - $ref: '#/components/schemas/ChargeAfter.ConsumersV1.WebApi.Contracts.Models.LookupCreditConsumerDetails'
        merchantDetails:
          allOf:
          - $ref: '#/components/schemas/ChargeAfter.ConsumersV1.WebApi.Contracts.Models.LookupCreditMerchantDetails'
      additionalProperties: false
    ChargeAfter.Libraries.WebApi.Contracts.Responses.Offers.Models.Disclosure:
      type: object
      properties:
        type:
          allOf:
          - $ref: '#/components/schemas/ChargeAfter.Libraries.WebApi.Contracts.Responses.Offers.Models.DisclosureType'
        url:
          type:
          - string
          - 'null'
        mimeType:
          type:
          - string
          - 'null'
      additionalProperties: false
    ChargeAfter.ConsumersV1.WebApi.Contracts.Responses.ConsumerResponse:
      type: object
      properties:
        id:
          type:
          - string
          - 'null'
          description: Unique consumer id
          example: 63126524b97bd7d254c71041
        firstName:
          type:
          - string
          - 'null'
          example: John
        lastName:
          type:
          - string
          - 'null'
          example: Arlen
        email:
          type:
          - string
          - 'null'
          example: someone@example.com
        shippingAddress:
          allOf:
          - $ref: '#/components/schemas/ChargeAfter.ConsumersV1.WebApi.Contracts.Responses.Address'
        billingAddress:
          allOf:
          - $ref: '#/components/schemas/ChargeAfter.ConsumersV1.WebApi.Contracts.Responses.Address'
        netMonthlyIncome:
          type:
          - number
          - 'null'
          format: double
          example: 5000
        grossMonthlyIncome:
          type:
          - number
          - 'null'
          format: double
        dateOfBirth:
          type:
          - string
          - 'null'
          format: date-time
        socialSecurityNumber:
          type:
          - string
          - 'null'
          example: '324620074'
        additionalIds:
          allOf:
          - $ref: '#/components/schemas/ChargeAfter.ConsumersV1.WebApi.Contracts.Responses.AdditionalIds'
        mobilePhoneNumber:
          type:
          - string
          - 'null'
        housingStatus:
          allOf:
          - $ref: '#/components/schemas/ChargeAfter.Libraries.Entities.ResidenceType'
        merchantConsumerId:
          type:
          - string
          - 'null'
          example: 624d519bde8287d9542d4484
      additionalProperties: false
    ChargeAfter.Libraries.WebApi.Contracts.Preferences:
      type: object
      properties:
        language:
          allOf:
          - $ref: '#/components/schemas/ChargeAfter.Libraries.WebApi.Contracts.Language'
        marketingOptIn:
          type:
          - boolean
          - 'null'
      additionalProperties: false
    ChargeAfter.Libraries.WebApi.Contracts.Responses.Offers.Models.ApplicationType:
      enum:
      - Unknown
      - New
      - Prequalification
      - Application
      - Error
      type: string
    ChargeAfter.ConsumersV1.WebApi.Contracts.Responses.LookupCreditResponse:
      type: object
      properties:
        credits:
          type:
          - array
          - 'null'
          items:
            $ref: '#/components/schemas/ChargeAfter.ConsumersV1.WebApi.Contracts.Models.LenderCreditInfo'
        failures:
          type:
          - array
          - 'null'
          items:
            $ref: '#/components/schemas/ChargeAfter.ConsumersV1.WebApi.Contracts.Models.LenderFailure'
      additionalProperties: false
    ChargeAfter.ConsumersV1.WebApi.Cont

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# Full source: https://raw.githubusercontent.com/api-evangelist/chargeafter/refs/heads/main/openapi/chargeafter-consumersv2-api-openapi.yml