Marqeta Credit Accounts API

openapi: 3.2.0
info:
  contact:
    email: support@marqeta.com
    name: Marqeta
  description: Marqeta's Core API endpoints, conveniently annotated to enable code generation (including SDKs), test cases, and documentation. Currently in beta.
  termsOfService: https://www.marqeta.com/api-terms
  title: Core accepted countries Credit Accounts API
  version: 3.0.39
servers:
- url: /v3
security:
- mqAppAndAccessToken: []
tags:
- description: '// Conditional snippet for beta or internal content

    include::../../maturity-admonition-banner.adoc[]


    Use the credit accounts endpoints to create and manage accounts on Marqeta''s credit platform.

    A credit account centers around a single line of credit that can be accessed by one or more <</core-api/credit-account-cards, cards>>.

    An account''s attributes, such as the credit limit, APR, and fees, are inherited from the <</core-api/credit-policies, policies>> on its associated bundle.


    For more on accounts, see <</developer-guides/about-credit-accounts, About Credit Accounts>>.'
  name: Credit Accounts
paths:
  /accounts:
    get:
      description: 'Retrieve an array of credit accounts.


        This endpoint supports <</core-api/sorting-and-pagination, sorting and pagination>>.'
      operationId: listAccounts
      parameters:
      - description: Unique identifier of the credit card associated with the account.
        explode: true
        in: query
        name: card_token
        required: false
        schema:
          type: string
          x-allowableValues: Existing card token
        style: form
      - description: Number of credit account resources to retrieve.
        explode: true
        in: query
        name: count
        required: false
        schema:
          default: 5
          maximum: 100
          minimum: 1
          type: integer
        style: form
      - description: Sort order index of the first resource in the returned array.
        explode: true
        in: query
        name: start_index
        required: false
        schema:
          default: 0
          minimum: 0
          type: integer
        style: form
      - description: 'Field on which to sort.

          Prefix the field name with a hyphen (`-`) to sort in descending order.

          Omit the hyphen to sort in ascending order.


          *NOTE:*

          You must sort using system field names such as `lastModifiedTime`, and not by the field names appearing in response bodies such as `last_modified_time`.'
        explode: true
        in: query
        name: sort_by
        required: false
        schema:
          default: -lastModifiedTime
          enum:
          - lastModifiedTime
          - -lastModifiedTime
          type: string
        style: form
      - description: If `true`, returns a lightweight response without any balances and usages.
        explode: true
        in: query
        name: light_response
        required: false
        schema:
          default: false
          type: boolean
          x-allowableValues: '`true`, `false`'
        style: form
      - description: 'Unique identifier of an existing secured account.

          This field is required when policy product subtype is `SECURED`.'
        explode: true
        in: query
        name: secured_account_token
        required: false
        schema:
          type: string
          x-allowableValues: Existing secured account token
        style: form
      - description: Unique identifier of the user by which to filter accounts.
        explode: true
        in: query
        name: user_token
        required: false
        schema:
          type: string
          x-allowableValues: Existing user token
        style: form
      responses:
        '200':
          content:
            application/json:
              example:
                count: 1
                data:
                - activation_time: 2025-08-26 22:55:52.302000+00:00
                  available_credit: 3232
                  business_token: business_token123
                  config:
                    billing_cycle_day: 1
                    card_level: TRADITIONAL
                    e_disclosure_active: true
                    fees:
                    - active: true
                      created_date: 2025-08-26 22:55:52.124000+00:00
                      schedule:
                      - effective_date: 2025-08-26 22:55:52.124000+00:00
                        method: FLAT
                        value: 25
                      type: LATE_PAYMENT_FEE
                      updated_date: 2025-08-26 22:55:52.124000+00:00
                    - active: true
                      created_date: 2025-09-03 19:06:27.946000+00:00
                      schedule:
                      - effective_date: 2025-09-03 19:06:27.946000+00:00
                        method: FLAT
                        value: 10
                      type: RETURNED_PAYMENT_FEE
                      updated_date: 2025-09-03 19:06:27.946000+00:00
                    - active: true
                      created_date: 2025-09-03 19:06:27.946000+00:00
                      schedule:
                      - method: PERCENTAGE
                        value: 12.5
                      type: FOREIGN_TRANSACTION_FEE
                      updated_date: 2025-09-03 19:06:27.946000+00:00
                    payment_due_day: 31
                    payment_holds:
                      ach_hold_days: 0
                      check_hold_days: 0
                    rewards: []
                  created_time: 2025-08-26 22:55:52.100000+00:00
                  credit_limit: 6000
                  credit_product_token: credit_product_token1234
                  currency_code: USD
                  current_balance: 0
                  description: Consumer credit account for John Jacob
                  external_offer_id: external-offer-11
                  latest_statement_cycle_type: TRANSACTING
                  max_apr_schedules: []
                  name: John Jacob
                  remaining_min_payment_due: 25
                  remaining_statement_balance: 2768
                  status: ACTIVE
                  substatuses: []
                  token: credit_account_token1234
                  type: CONSUMER
                  updated_time: 2025-08-26 22:55:52.304000+00:00
                  usages:
                  - aprs:
                    - active: true
                      created_date: 2025-08-26 22:55:52.106000+00:00
                      schedule:
                      - effective_date: 2025-08-26 22:55:52.106000+00:00
                        value: 14.99
                      type: GO_TO
                      updated_date: 2025-08-26 22:55:52.106000+00:00
                    fees: []
                    type: PURCHASE
                  user_substatuses: []
                  user_token: user_token1234
                end_index: 4
                is_more: true
                start_index: 0
              schema:
                $ref: '#/components/schemas/AccountsPage'
          description: Expected response to a valid request
        default:
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
          description: Unexpected error
      security:
      - zionToken: []
      summary: List accounts
      tags:
      - Credit Accounts
  /accounts/{account_token}:
    get:
      description: Retrieve a credit account.
      operationId: retrieveAccount
      parameters:
      - description: Display the effective fee schedule only.
        explode: true
        in: query
        name: effective_fee_schedule_only
        required: false
        schema:
          default: false
          type: boolean
          x-allowableValues: '`true`, `false`'
        style: form
      - description: 'Unique identifier of the credit account to retrieve.


          Send a `GET` request to `/credit/accounts` to retrieve existing credit account tokens.'
        explode: false
        in: path
        name: account_token
        required: true
        schema:
          type: string
          x-allowableValues: Existing account token
        style: simple
      - description: If true, returns a lightweight response without any balances and usages.
        explode: true
        in: query
        name: light_response
        required: false
        schema:
          default: false
          type: boolean
          x-allowableValues: '`true`, `false`'
        style: form
      responses:
        '200':
          content:
            application/json:
              example:
                activation_time: 2021-08-26 22:55:52.302000+00:00
                available_credit: 3232
                config:
                  billing_cycle_day: 1
                  card_level: TRADITIONAL
                  e_disclosure_active: true
                  fees:
                  - active: true
                    created_date: 2021-08-26 22:55:52.124000+00:00
                    schedule:
                    - effective_date: 2021-08-26 22:55:52.124000+00:00
                      method: FLAT
                      value: 25
                    type: LATE_PAYMENT_FEE
                    updated_date: 2021-08-26 22:55:52.124000+00:00
                  - active: true
                    created_date: 2021-09-03 19:06:27.946000+00:00
                    schedule:
                    - effective_date: 2021-09-03 19:06:27.946000+00:00
                      method: FLAT
                      value: 10
                    type: RETURNED_PAYMENT_FEE
                    updated_date: 2021-09-03 19:06:27.946000+00:00
                  - active: true
                    created_date: 2021-09-03 19:06:27.946000+00:00
                    schedule:
                    - method: PERCENTAGE
                      value: 12.5
                    type: FOREIGN_TRANSACTION_FEE
                    updated_date: 2021-09-03 19:06:27.946000+00:00
                  payment_due_day: 31
                  payment_holds:
                    ach_hold_days: 0
                    check_hold_days: 0
                  rewards: []
                created_time: 2021-08-26 22:55:52.100000+00:00
                credit_limit: 6000
                credit_product_token: credit_product_token1234
                currency_code: USD
                current_balance: 0
                description: Consumer credit account for John Jacob
                external_offer_id: external-offer-11
                latest_statement_cycle_type: TRANSACTING
                name: John Jacob
                remaining_min_payment_due: 25
                remaining_statement_balance: 2768
                status: ACTIVE
                token: credit_account_token1234
                type: CONSUMER
                updated_time: 2021-08-26 22:55:52.304000+00:00
                usages:
                - aprs:
                  - active: true
                    created_date: 2021-08-26 22:55:52.106000+00:00
                    schedule:
                    - effective_date: 2021-08-26 22:55:52.106000+00:00
                      value: 14.99
                    type: GO_TO
                    updated_date: 2021-08-26 22:55:52.106000+00:00
                  fees: []
                  type: PURCHASE
                user_token: user_token1234
              schema:
                $ref: '#/components/schemas/AccountResponse'
          description: A JSON object containing account information
        default:
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
          description: Unexpected error
      security:
      - zionToken: []
      summary: Retrieve account
      tags:
      - Credit Accounts
    put:
      description: Update a credit account.
      operationId: updateAccount
      parameters:
      - description: 'Unique identifier of the credit account to update.


          Send a `GET` request to `/credit/accounts` to retrieve existing credit account tokens.'
        explode: false
        in: path
        name: account_token
        required: true
        schema:
          type: string
          x-allowableValues: Existing account token
        style: simple
      requestBody:
        content:
          application/json:
            example:
              config:
                payment_holds:
                  ach_hold_days: 3
                  check_hold_days: 5
              credit_limit:
                value: 6000
              latest_statement_cycle_type: TRANSACTING
            schema:
              $ref: '#/components/schemas/AccountUpdateReq'
        required: true
      responses:
        '200':
          content:
            application/json:
              example:
                activation_time: 2021-08-26 22:55:52.302000+00:00
                available_credit: 3232
                config:
                  billing_cycle_day: 1
                  card_level: TRADITIONAL
                  e_disclosure_active: true
                  fees:
                  - active: true
                    created_date: 2021-08-26 22:55:52.124000+00:00
                    schedule:
                    - method: FLAT
                      value: 25
                    type: LATE_PAYMENT_FEE
                    updated_date: 2021-08-26 22:55:52.124000+00:00
                  - active: true
                    created_date: 2021-09-03 19:06:27.946000+00:00
                    schedule:
                    - effective_date: 2021-09-03 19:06:27.946000+00:00
                      method: FLAT
                      value: 10
                    type: RETURNED_PAYMENT_FEE
                    updated_date: 2021-09-03 19:06:27.946000+00:00
                  - active: true
                    created_date: 2021-09-03 19:06:27.946000+00:00
                    schedule:
                    - method: PERCENTAGE
                      value: 12.5
                    type: FOREIGN_TRANSACTION_FEE
                    updated_date: 2021-09-03 19:06:27.946000+00:00
                  payment_due_day: 31
                  payment_holds:
                    ach_hold_days: 3
                    check_hold_days: 5
                  rewards: []
                created_time: 2021-08-26 22:55:52.100000+00:00
                credit_limit: 6000
                credit_product_token: credit_product_token1234
                currency_code: USD
                current_balance: 0
                description: Consumer credit account for John Jacob
                external_offer_id: external-offer-11
                latest_statement_cycle_type: TRANSACTING
                max_apr_schedules: []
                name: John Jacob
                remaining_min_payment_due: 25
                remaining_statement_balance: 2768
                status: ACTIVE
                substatuses: []
                token: credit_account_token1234
                type: CONSUMER
                updated_time: 2021-08-26 22:55:52.304000+00:00
                usages:
                - aprs:
                  - active: true
                    created_date: 2021-08-26 22:55:52.106000+00:00
                    schedule:
                    - effective_date: 2021-08-26 22:55:52.106000+00:00
                      value: 14.99
                    type: GO_TO
                    updated_date: 2021-08-26 22:55:52.106000+00:00
                  fees: []
                  type: PURCHASE
                user_substatuses: []
                user_token: user_token1234
              schema:
                $ref: '#/components/schemas/AccountResponse'
          description: A JSON object containing account information.
        default:
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
          description: Unexpected error
      security:
      - zionToken: []
      summary: Update account
      tags:
      - Credit Accounts
components:
  schemas:
    AccountConfigPaymentHolds:
      description: Contains configurations for a payment hold.
      properties:
        ach_hold_days:
          description: Number of days to hold an ACH payment.
          maximum: 30
          minimum: 0
          type: integer
        check_hold_days:
          description: Number of days to hold a check payment.
          maximum: 30
          minimum: 0
          type: integer
      type: object
    AccountsPage:
      description: Return paginated accounts.
      properties:
        count:
          description: Number of resources returned.
          type: integer
        data:
          description: Contains one or more credit accounts.
          items:
            $ref: '#/components/schemas/AccountResponse'
          type: array
        end_index:
          description: Sort order index of the first resource in the returned array.
          type: integer
        is_more:
          description: A value of `true` indicates that more unreturned resources exist.
          type: boolean
        start_index:
          description: Sort order index of the first resource in the returned array.
          type: integer
      required:
      - count
      - data
      - end_index
      - is_more
      - start_index
      type: object
    ConfigFeeScheduleEntry:
      description: Contains information on a fee schedule.
      properties:
        effective_date:
          description: Date and time when the fee goes into effect, in UTC.
          format: date-time
          type: string
        method:
          $ref: '#/components/schemas/FeeMethod'
        value:
          description: Amount of the fee.
          maximum: 9999.99
          minimum: 0
          type: number
      required:
      - method
      - value
      type: object
    CurrencyCode:
      default: USD
      description: Valid three-digit link:https://www.iso.org/iso-4217-currency-codes.html[ISO 4217 currency code, window="_blank"].
      enum:
      - USD
      type: string
    AccountConfigMinPayment:
      description: Contains configurations for a minimum payment override on a credit account, which overrides the minimum payment configurations on the associated credit product.
      properties:
        active:
          description: Whether the minimum payment override is currently active.
          type: boolean
        min_payment_flat_amount:
          description: Flat amount of the minimum payment override.
          minimum: 0
          type: number
        min_payment_percentage:
          description: Percentage of the total statement balance used to calculate the minimum payment override amount.
          minimum: 0
          type: number
        override_end_time:
          description: Date and time when the minimum payment override ends, in UTC.
          format: date-time
          type: string
        override_start_time:
          description: Date and time when the minimum payment override starts, in UTC.
          format: date-time
          type: string
      type: object
    AccountConfigUpdateReq:
      description: Contains information relevant for updating configurations for electronic disclosures, fees, payment holds, and minimum payment.
      properties:
        e_disclosure_active:
          default: false
          description: A value of `true` indicates that the account holder consents to receiving disclosures and statements electronically.
          type: boolean
        fees:
          description: Contains one or more fees associated with the credit account.
          items:
            $ref: '#/components/schemas/ConfigFeeScheduleReq'
          type: array
        min_payment:
          $ref: '#/components/schemas/AccountConfigMinPayment'
        payment_due_interval:
          description: 'Specifies the payment due interval that is used to determine the payment due date for a billing cycle.

            A value of -1 indicates one day prior to the next billing cycle date.


            For consumer programs, a minimum gap of 21 days is required between when a statement is delivered and the payment due date.'
          minimum: -1
          type: integer
        payment_holds:
          $ref: '#/components/schemas/AccountConfigPaymentHolds'
      type: object
    AccountReward:
      description: TODO Add description here
      properties:
        method:
          $ref: '#/components/schemas/Method'
        type:
          $ref: '#/components/schemas/RewardType'
        value:
          description: Value of the reward, either a flat reward amount or percentage value.
          maximum: 100
          minimum: 0
          type: number
      required:
      - method
      - type
      type: object
    AccountUsageResponse:
      description: Contains information on how a credit account is used and what types of balances are permitted on the account.
      properties:
        aprs:
          description: Contains one or more APRs associated with the type of balance on the credit account.
          items:
            $ref: '#/components/schemas/AprScheduleResponse'
          type: array
        fees:
          description: Contains one or more fees associated with the usage type.
          items:
            $ref: '#/components/schemas/AccountFee'
          type: array
        type:
          $ref: '#/components/schemas/BalanceType'
      required:
      - aprs
      - type
      type: object
    CycleType:
      description: 'Type of cycle.


        * `BEGINNING_REVOLVING` - Account is beginning to revolve and just started carrying a balance

        from the previous month.

        * `REVOLVING` - Account is revolving and has been carrying a balance from month to month for more than one month.

        * `END_REVOLVING` - Account is no longer revolving and the previous month''s balance is paid off.

        * `TRANSACTING` - Account is not revolving and the balance is paid off each month.'
      enum:
      - BEGINNING_REVOLVING
      - REVOLVING
      - END_REVOLVING
      - TRANSACTING
      type: string
    RewardType:
      description: Type of reward.
      enum:
      - AUTO_CASH_BACK
      - CASH_BACK
      - STATEMENT_CREDIT
      type: string
    AccountProductFeeType:
      description: Type of fee.
      enum:
      - LATE_PAYMENT_FEE
      - RETURNED_PAYMENT_FEE
      - MONTHLY_FEE
      - ANNUAL_FEE
      - FOREIGN_TRANSACTION_FEE
      type: string
    AccountUpdateReq:
      properties:
        apr_upper_limit:
          description: Maximum APR percentage value that can be applied to the credit account.
          maximum: 100
          minimum: 0
          type: number
        config:
          $ref: '#/components/schemas/AccountConfigUpdateReq'
        credit_limit:
          description: Contains information on the credit limit.
          properties:
            value:
              description: Maximum balance the credit account can carry.
              maximum: 9.9999999999999E11
              type: number
              exclusiveMinimum: 0
          required:
          - value
          type: object
        latest_statement_cycle_type:
          $ref: '#/components/schemas/CycleType'
        usages:
          description: 'Contains one or more `usages` objects that contain information on how a credit account is used and what types of balances are permitted on the account.


            You can pass only one `usages` object per `usages.type`.'
          items:
            $ref: '#/components/schemas/AccountUsageUpdateReq'
          type: array
        user_token:
          description: 'User token tied to the credit account.

            You can only update the value of the user token for business accounts.'
          type: string
      type: object
    ConfigFeeScheduleResponse:
      description: Contains information returned when configuring fees.
      properties:
        active:
          description: Whether the fee is active.
          type: boolean
        created_date:
          description: Date and time when the fee was created on Marqeta's credit platform, in UTC.
          format: date-time
          type: string
        schedule:
          description: Contains one or more fee schedules.
          items:
            $ref: '#/components/schemas/ConfigFeeScheduleEntry'
          type: array
        type:
          $ref: '#/components/schemas/AccountProductFeeType'
        updated_date:
          description: Date and time when the fee was last updated on Marqeta's credit platform, in UTC.
          format: date-time
          type: string
      type: object
    FeeMethod:
      description: Method used to calculate the fee value.
      enum:
      - FLAT
      - PERCENTAGE
      type: string
    AccountConfigResponse:
      description: Contains information returned when configuring an account's billing cycle day, payment due day, fees, and more.
      properties:
        billing_cycle_day:
          description: 'Day of the month when the billing cycle starts.

            If an override value is not provided, the default value is derived from the bundle.'
          maximum: 28
          minimum: 1
          type: integer
        card_level:
          default: NA
          description: Level of the credit card.
          enum:
          - PREMIUM
          - TRADITIONAL
          - NA
          type: string
        e_disclosure_active:
          default: false
          description: A value of `true` indicates that the account holder consents to receiving disclosures and statements electronically.
          type: boolean
        fees:
          description: Contains one or more fees associated with the credit account.
          items:
            $ref: '#/components/schemas/ConfigFeeScheduleResponse'
          type: array
        min_payment:
          $ref: '#/components/schemas/AccountConfigMinPayment'
        payment_due_day:
          deprecated: true
          description: Day of the month when the payment for the previous billing cycle is due.
          maximum: 31
          minimum: 31
          type: integer
        payment_due_interval:
          default: -1
          description: 'Specifies the payment due interval that is used to determine the payment due date for a billing cycle.

            A value of -1 indicates one day prior to the next billing cycle date.'
          minimum: -1
          type: integer
        payment_holds:
          $ref: '#/components/schemas/AccountConfigPaymentHolds'
        rewards:
          description: Contains one or more rewards associated with the credit account.
          items:
            $ref: '#/components/schemas/AccountReward'
          type: array
      required:
      - billing_cycle_day
      - card_level
      - e_disclosure_active
      - payment_holds
      type: object
    AprScheduleEntryUpdateReq:
      properties:
        apply_next_cycle:
          default: false
          description: Whether the APR can be ignored for the current billing cycle and applied on the next.
          type: boolean
        effective_date:
          description: 'Date and time when the APR goes into effect, in UTC.


            If you do not include a date-time value, the system uses the date and time when the API request was received.


            *NOTE:*

            When passing multiple `schedule` objects, this field is required in all objects but the first.

            If you do not include `effective_date` in the first `schedule`, the system uses the date and time when the API request was received.'
          format: date-time
          type: string
        margin:
          description: 'Number of percentage points added to the prime rate, used to calculate a variable value.


            Used for variable values only.'
          format: float
          type: number
        type:
          default: FIXED
          description: Indicates whether the APR value is fixed or variable.
          enum:
          - FIXED
          - VARIABLE
          type: string
        value:
          description: 'Percentage value of the APR.


            If the APR type is `FIXED`, this is the value of the fixed rate.

            If the APR type is `VARIABLE`, the value is calculated by adding the margin to the prime rate that was stored on Marqeta''s credit platform when your credit program was created.


            When backdating an APR, this value cannot be greater than the value of the effective APR on the backdated date.'
          maximum: 100
          minimum: 0
          type: number
      required:
      - value
      type: object
    ConfigFeeScheduleReq:
      description: Contains information relevant to configuring fees.
      properties:
        schedule:
          description: Contains one or more fee schedules.
          items:
            $ref: '#/components/schemas/ConfigFeeScheduleEntry'
          type: array
        type:
          $ref: '#/components/schemas/AccountProductFeeType'
      required:
      - schedule
      - type
      type: object
    AccountStatusEnum:
      description: 'Status of the credit account.


        *NOTE* `CHARGE_OFF` is not an allowable value for `original_status`.'
      enum:
      - UNACTIVATED
      - ACTIVE
      - SUSPENDED
      - TERMINATED
      - CHARGE_OFF
      type: string
    AccountType:
      description: Type of credit account.
      enum:
      - CONSUMER
      - BUSINESS
      type: string
    AccountUsageUpdateReq:
      description: Contains information on how a credit account is used and what types of balances are permitted on the account.
      properties:
        aprs:
          description: Contains one or more annual percentage rates (APRs) associated with the credit account.
          items:
            $ref: '#/components/schemas/AprScheduleUpdateReq'
          type: array
        type:
          $ref: '#/components/schemas/BalanceType'
      required:
      - apr_type
      - apr_value
      - type
      type: object
    BalanceType:
      description: 'Type of balance.


        * `PURCHASE` - The balance on purchases.'
      enum:
      - PURCHASE
      type: string
    FeeType:
      description: 'Type of fee.


        *NOTE:*

        Only `RETURNED_PAYMENT_FEE`, `LATE_PAYMENT_FEE`, `ANNUAL_FEE`, and `MONTHLY_FEE` are currently supported.

        Do not pass other fees types.'
      enum:
      - FOREIGN_TRANSACTION_FEE
      - OVER_LIMIT_FEE
      - LATE_PAYMENT_FEE
      - RETURNED_PAYMENT_FEE
      - CARD_REPLACEMENT_FEE
      - MINIMUM_INTEREST_FEE
      - MINIMUM_INTEREST_FEE_REVERSAL
      - ANNUAL_FEE
      - MONTHLY_FEE
      - ACCOUNT_FEE
      type: string
    Error:
      properties:
        code:
          type: integer
        message:
          type: string
      type: object
    AccountAprType:
      description: 'Type of APR.


        * `GO_TO` - Default APR rate that is applicable when any promotional periods expire.

        * `PROMOTIONAL` - A temporary rate that is applicable for a specified period of time.'
      enum:
      - GO_TO
      - PROMOTIONAL
      type: string
    Method:
      description: 'Method, either a flat amount or a percentage.


        *NOTE:*

        Only `FLAT` is currently supported.'
      enum:
      - PERCENTAGE
      - FLAT
      type: string
    AprScheduleEntryResponse:
      properties:
        apply_next_cycle:
          default: false
          description: Whether the APR is ignored for the current billing cycle and applied on the next.
          type: boolean
        effective_date:
          description: Date and time when the APR goes into effect, in UTC.
          format: date-time
          type: string
        margin:
          description: 'Number of percentage points added to the prime rate, used to calculate a variable value.


            Used for variable values only.'
          format: float
          type: number
        type:
          default: FIXED
          description: Indicates whether the APR value is fixed or variable.
          enum:
          - FIXED
          - VARIABLE
          type: string
        value:
          description: 'Percentage value of the APR.


            If the APR type is `FIXED`, this is the value of the fixed rate.

            If the APR type is `VARIABLE`, the value is calculated by adding the margin to the prime rate that was stored on Marqeta''s credit platform when your credit program was created.


            When backdating an APR, this value cannot be greater than the value of the effective APR on the backdated date.'
          maximum: 100
          minimum: 0
          type: number
      required:
      - value
      type: object
    AccountFee:
      description: Contain

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