Spinwheel

Spinwheel is an embedded credit and debt data platform. Its REST API and drop-in modules connect a consumer (via SMS, KBA, phone, or network token), pull an Equifax-backed debt profile across credit cards, student, auto, home, and personal loans, refresh real-time liability balances and payoff quotes, and originate bank-account-funded payments - all surfaced to partners as user-scoped endpoints and webhook events.

5 APIs 0 Features

FintechCredit DataDebtLiabilitiesPaymentsEmbedded Finance

APIs

Spinwheel Credit Data API

Orders an Equifax-backed debt profile for a connected user and retrieves the resulting credit report (including a PDF report), surfacing the user's tradelines and credit data fo...

Spinwheel Liabilities & Debt API

Requests and polls real-time liability data (balances, rates, payoff quotes) across credit cards, student, auto, home, personal, and miscellaneous liabilities, with patch-level ...

Spinwheel Payments API

Creates and manages bank-account-funded payment requests, payers, and transactions, letting partners originate payments toward a connected user's liabilities and reconcile their...

Spinwheel Users & Modules API

Connects and manages the user that is the foundation of every Spinwheel workflow - via SMS OTP, knowledge-based authentication (KBA), pre-verified phone, user profile, or a part...

Spinwheel Webhooks API

Registers and manages webhook endpoints and headers, delivering event notifications such as subscription, credit-profile transaction, refresh, payment, refinance, bank-account-l...

Collections

Spinwheel Embedded Debt Solutions API

OPEN

Pricing Plans

Spinwheel Plans Pricing

2 plans

PLANS

Rate Limits

Spinwheel Rate Limits

4 limits

RATE LIMITS

FinOps

Spinwheel Finops

FINOPS

Resources

Sources

opencollection: 1.0.0
info:
  name: Spinwheel Embedded Debt Solutions API
  version: '1.0'
request:
  auth:
    type: bearer
    token: '{{bearerToken}}'
items:
- info:
    name: Users
    type: folder
  items:
  - info:
      name: Connect a user via SMS
      type: http
    http:
      method: POST
      url: https://api.spinwheel.io/v1/users/connect/sms
      body:
        type: json
        data: '{}'
    docs: Connect a user via SMS
  - info:
      name: Verify an SMS connection
      type: http
    http:
      method: POST
      url: https://api.spinwheel.io/v1/users/connect/sms/verify
      body:
        type: json
        data: '{}'
    docs: Verify an SMS connection
  - info:
      name: Connect a user via KBA
      type: http
    http:
      method: POST
      url: https://api.spinwheel.io/v1/users/connect/kba
      body:
        type: json
        data: '{}'
    docs: Connect a user via KBA
  - info:
      name: Submit answers for KBA
      type: http
    http:
      method: POST
      url: https://api.spinwheel.io/v1/users/connect/kba/verify
      body:
        type: json
        data: '{}'
    docs: Submit answers for KBA
  - info:
      name: Connect a pre-verified (phone) user
      type: http
    http:
      method: POST
      url: https://api.spinwheel.io/v1/users/connect/phone
      body:
        type: json
        data: '{}'
    docs: Connect a pre-verified (phone) user
  - info:
      name: Connect a user via network token
      type: http
    http:
      method: POST
      url: https://api.spinwheel.io/v1/users/connect/network-token
      body:
        type: json
        data: '{}'
    docs: Connect a user via network token
  - info:
      name: Retrieve a user
      type: http
    http:
      method: GET
      url: https://api.spinwheel.io/v1/users/{{userId}}
    docs: Retrieve a user
  - info:
      name: Delete a user
      type: http
    http:
      method: DELETE
      url: https://api.spinwheel.io/v1/users/{{userId}}
    docs: Delete a user
- info:
    name: Credit Data
    type: folder
  items:
  - info:
      name: Request a debt profile
      type: http
    http:
      method: POST
      url: https://api.spinwheel.io/v1/users/{{userId}}/debt-profile
      body:
        type: json
        data: '{}'
    docs: Request a debt profile
  - info:
      name: Get a debt profile (Equifax)
      type: http
    http:
      method: POST
      url: https://api.spinwheel.io/v1/users/{{userId}}/creditProfile/equifax
      body:
        type: json
        data: '{}'
    docs: Get a debt profile (Equifax)
- info:
    name: Liabilities
    type: folder
  items:
  - info:
      name: Subscribe to debt profile refresh
      type: http
    http:
      method: POST
      url: https://api.spinwheel.io/v1/users/{{userId}}/creditProfile/equifax/subscriptions
      body:
        type: json
        data: '{}'
    docs: Subscribe to debt profile refresh
  - info:
      name: Get refresh subscriptions
      type: http
    http:
      method: GET
      url: https://api.spinwheel.io/v1/users/{{userId}}/creditProfile/equifax/subscriptions
    docs: Get refresh subscriptions
  - info:
      name: Delete refresh subscriptions
      type: http
    http:
      method: DELETE
      url: https://api.spinwheel.io/v1/users/{{userId}}/creditProfile/equifax/subscriptions
    docs: Delete refresh subscriptions
  - info:
      name: Request liability data
      type: http
    http:
      method: POST
      url: https://api.spinwheel.io/v1/users/{{userId}}/liabilities/refresh
      body:
        type: json
        data: '{}'
    docs: Request liability data
  - info:
      name: Poll request status
      type: http
    http:
      method: GET
      url: https://api.spinwheel.io/v1/users/{{userId}}/liabilities/refresh/{{extRequestId}}
    docs: Poll request status
  - info:
      name: Update a credit card
      type: http
    http:
      method: PATCH
      url: https://api.spinwheel.io/v1/users/{{userId}}/liabilities/creditcard/{{liabilityId}}
      body:
        type: json
        data: '{}'
    docs: Update a credit card
  - info:
      name: Update a student loan
      type: http
    http:
      method: PATCH
      url: https://api.spinwheel.io/v1/users/{{userId}}/liabilities/studentloan/{{liabilityId}}
      body:
        type: json
        data: '{}'
    docs: Update a student loan
- info:
    name: Bank Accounts
    type: folder
  items:
  - info:
      name: Add a bank account
      type: http
    http:
      method: POST
      url: https://api.spinwheel.io/v1/users/{{userId}}/bank-accounts
      body:
        type: json
        data: '{}'
    docs: Add a bank account
  - info:
      name: Update a bank account
      type: http
    http:
      method: PATCH
      url: https://api.spinwheel.io/v1/users/{{userId}}/bank-accounts/{{accountId}}
      body:
        type: json
        data: '{}'
    docs: Update a bank account
  - info:
      name: Delete a bank account
      type: http
    http:
      method: DELETE
      url: https://api.spinwheel.io/v1/users/{{userId}}/bank-accounts/{{accountId}}
    docs: Delete a bank account
- info:
    name: Payments
    type: folder
  items:
  - info:
      name: Create a payment
      type: http
    http:
      method: POST
      url: https://api.spinwheel.io/v1/payments/requests
      body:
        type: json
        data: '{}'
    docs: Create a payment
  - info:
      name: Get a list of payments
      type: http
    http:
      method: GET
      url: https://api.spinwheel.io/v1/payments/requests
    docs: Get a list of payments
  - info:
      name: Get single payment details
      type: http
    http:
      method: GET
      url: https://api.spinwheel.io/v1/payments/requests/{{requestId}}
    docs: Get single payment details
  - info:
      name: Delete a payment
      type: http
    http:
      method: DELETE
      url: https://api.spinwheel.io/v1/payments/requests/{{requestId}}
    docs: Delete a payment
  - info:
      name: Create a partner payer
      type: http
    http:
      method: POST
      url: https://api.spinwheel.io/v1/payments/payers
      body:
        type: json
        data: '{}'
    docs: Create a partner payer
  - info:
      name: Get a list of payers
      type: http
    http:
      method: GET
      url: https://api.spinwheel.io/v1/payments/payers
    docs: Get a list of payers
  - info:
      name: Get single payer details
      type: http
    http:
      method: GET
      url: https://api.spinwheel.io/v1/payments/payers/{{payerId}}
    docs: Get single payer details
  - info:
      name: Delete a payer
      type: http
    http:
      method: DELETE
      url: https://api.spinwheel.io/v1/payments/payers/{{payerId}}
    docs: Delete a payer
- info:
    name: Webhooks
    type: folder
  items:
  - info:
      name: Create a webhook
      type: http
    http:
      method: POST
      url: https://api.spinwheel.io/v1/webhooks
      body:
        type: json
        data: '{}'
    docs: Create a webhook
  - info:
      name: Get a list of webhooks
      type: http
    http:
      method: GET
      url: https://api.spinwheel.io/v1/webhooks
    docs: Get a list of webhooks
  - info:
      name: Get single webhook details
      type: http
    http:
      method: GET
      url: https://api.spinwheel.io/v1/webhooks/{{webhookId}}
    docs: Get single webhook details
  - info:
      name: Update a webhook
      type: http
    http:
      method: PATCH
      url: https://api.spinwheel.io/v1/webhooks/{{webhookId}}
      body:
        type: json
        data: '{}'
    docs: Update a webhook
  - info:
      name: Delete a webhook
      type: http
    http:
      method: DELETE
      url: https://api.spinwheel.io/v1/webhooks/{{webhookId}}
    docs: Delete a webhook
- info:
    name: Reference
    type: folder
  items:
  - info:
      name: Get a list of constants
      type: http
    http:
      method: GET
      url: https://api.spinwheel.io/v1/constants
    docs: Get a list of constants
  - info:
      name: Get a list of makes
      type: http
    http:
      method: GET
      url: https://api.spinwheel.io/v1/vehicles/makes
    docs: Get a list of makes
  - info:
      name: Get a list of models
      type: http
    http:
      method: GET
      url: https://api.spinwheel.io/v1/vehicles/models
    docs: Get a list of models