Update underwriting details (sunsetting) | Moov Documentation

Update underwriting details (sunsetting)

Create or update the account's underwriting.

Read our underwriting guide to learn more.

To access this endpoint using an access token you'll need to specify the /accounts/{accountID}/profile.write scope.

PUT

/accounts/{accountID}/underwriting

Ask

curl -X PUT "https://api.moov.io/accounts/{accountID}/underwriting" \
  -H "Authorization: Bearer {token}" \
  -H "X-Moov-Version: v2026.07.00" \
  -d '{
  "averageTransactionSize": 0,
  "maxTransactionSize": 0,
  "averageMonthlyTransactionVolume": 0,
  "volumeByCustomerType": {
    "businessToBusinessPercentage": 0,
    "consumerToBusinessPercentage": 0
  },
  "cardVolumeDistribution": {
    "ecommercePercentage": 0,
    "cardPresentPercentage": 0,
    "mailOrPhonePercentage": 0,
    "debtRepaymentPercentage": 0
  },
  "fulfillment": {
    "hasPhysicalGoods": true,
    "isShippingProduct": true,
    "shipmentDurationDays": 0,
    "returnPolicy": "none"
  }
}'

Ask

mc, _ := moov.NewClient()

var accountID string

update := moov.UpdateUnderwriting{
  AverageTransactionSize:          1_500,
  MaxTransactionSize:              1_200,
  AverageMonthlyTransactionVolume: 11_000,
  VolumeByCustomerType: moov.VolumeByCustomerType{
    BusinessToBusinessPercentage: 60,
    ConsumerToBusinessPercentage: 40,
  },
  CardVolumeDistribution: moov.CardVolumeDistribution{
    EcommercePercentage:     60,
    CardPresentPercentage:   40,
    MailOrPhonePercentage:   0,
    DebtRepaymentPercentage: 0,
  },
  Fulfillment: moov.Fulfillment{
    HasPhysicalGoods:     true,
    IsShippingProduct:    true,
    ShipmentDurationDays: 3,
    ReturnPolicy:         moov.EXCHANGE_ONLY,
  },
}

mc.UpsertUnderwriting(ctx, accountID, update)

Ask

import { Moov } from "@moovio/sdk";

const moov = new Moov({
  security: {
    username: "",
    password: "",
  },
});

async function run() {
  const result = await moov.underwriting.upsert({
    accountID: "371bf394-45df-4ba8-a615-ad5483b1f963",
    updateUnderwriting: {
      averageTransactionSize: 622191,
      maxTransactionSize: 123692,
      averageMonthlyTransactionVolume: 438164,
      volumeByCustomerType: {
        businessToBusinessPercentage: 671399,
        consumerToBusinessPercentage: 482010,
      },
      cardVolumeDistribution: {
        ecommercePercentage: 47450,
        cardPresentPercentage: 146275,
        mailOrPhonePercentage: 309315,
        debtRepaymentPercentage: 990303,
      },
      fulfillment: {
        hasPhysicalGoods: true,
        isShippingProduct: true,
        shipmentDurationDays: 388451,
        returnPolicy: "other",
      },
    },
  });

console.log(result);
}

run();

Ask

declare(strict_types=1);

require 'vendor/autoload.php';

use Moov	o	his.request()

class MoovPhp {
    public function upsert() {
        return ["...etc..."];
    }
}

Ask

package hello.world;

import io.moov.sdk.Moov;
import io.moov.sdk.models.components.*;
import io.moov.sdk.models.errors.GenericError;
import io.moov.sdk.models.errors.UpdateUnderwritingError;
import io.moov.sdk.models.operations.UpsertUnderwritingResponse;
import java.lang.Exception;

public class Application {

public static void main(String[] args) throws GenericError, UpdateUnderwritingError, Exception {

Moov sdk = Moov.builder()
                .security(Security.builder()
                    .username("")
                    .password("")
                    .build())
            .build();

UpsertUnderwritingResponse res = sdk.underwriting().upsert()
                .accountID("371bf394-45df-4ba8-a615-ad5483b1f963")
                .updateUnderwriting(UpdateUnderwriting.builder()
                    .averageTransactionSize(622191L)
                    .maxTransactionSize(123692L)
                    .averageMonthlyTransactionVolume(438164L)
                    .volumeByCustomerType(VolumeByCustomerType.builder()
                        .businessToBusinessPercentage(671399)
                        .consumerToBusinessPercentage(482010)
                        .build())
                    .cardVolumeDistribution(CardVolumeDistribution.builder()
                        .ecommercePercentage(47450)
                        .cardPresentPercentage(146275)
                        .mailOrPhonePercentage(309315)
                        .debtRepaymentPercentage(990303)
                        .build())
                    .fulfillment(FulfillmentDetails.builder()
                        .hasPhysicalGoods(true)
                        .isShippingProduct(true)
                        .shipmentDurationDays(388451L)
                        .returnPolicy(ReturnPolicyType.OTHER)
                        .build())
                    .build())
                .call();

if (res.underwriting().isPresent()) {
            System.out.println(res.underwriting().get());
        }
    }
}

Ask

from moovio_sdk import Moov
from moovio_sdk.models import components

with Moov(
    security=components.Security(
        username="",
        password="",
    ),
) as moov:

res = moov.underwriting.upsert(account_id="371bf394-45df-4ba8-a615-ad5483b1f963", average_transaction_size=622191, max_transaction_size=123692, average_monthly_transaction_volume=438164, volume_by_customer_type={
        "business_to_business_percentage": 671399,
        "consumer_to_business_percentage": 482010,
    }, card_volume_distribution={
        "ecommerce_percentage": 47450,
        "card_present_percentage": 146275,
        "mail_or_phone_percentage": 309315,
        "debt_repayment_percentage": 990303,
    }, fulfillment={
        "has_physical_goods": True,
        "is_shipping_product": True,
        "shipment_duration_days": 388451,
        "return_policy": components.ReturnPolicyType.OTHER,
    })

# Handle response
    print(res)

Ask

require 'moov_ruby'

Models = ::Moov::Models
s = ::Moov::Client.new(
  security: Models::Components::Security.new(
    username: '',
    password: ''
  )
)
res = s.underwriting.upsert(account_id: '371bf394-45df-4ba8-a615-ad5483b1f963', update_underwriting: Models::Components::UpdateUnderwriting.new(
  average_transaction_size: 622_191,
  max_transaction_size: 123_692,
  average_monthly_transaction_volume: 438_164,
  volume_by_customer_type: Models::Components::VolumeByCustomerType.new(
    business_to_business_percentage: 671_399,
    consumer_to_business_percentage: 482_010
  ),
  card_volume_distribution: Models::Components::CardVolumeDistribution.new(
    ecommerce_percentage: 47_450,
    card_present_percentage: 146_275,
    mail_or_phone_percentage: 309_315,
    debt_repayment_percentage: 990_303
  ),
  fulfillment: Models::Components::FulfillmentDetails.new(
    has_physical_goods: true,
    is_shipping_product: true,
    shipment_duration_days: 388_451,
    return_policy: Models::Components::ReturnPolicyType::OTHER
  )
))

unless res.underwriting.nil?
  # handle response
end

Ask

using Moov.Sdk;
using Moov.Sdk.Models.Components;

var sdk = new MoovClient(security: new Security() {
    Username = "",
    Password = "",
});

var res = await sdk.Underwriting.UpsertAsync(
    accountID: "371bf394-45df-4ba8-a615-ad5483b1f963",
    body: new UpdateUnderwriting() {
        AverageTransactionSize = 622191,
        MaxTransactionSize = 123692,
        AverageMonthlyTransactionVolume = 438164,
        VolumeByCustomerType = new VolumeByCustomerType() {
            BusinessToBusinessPercentage = 671399,
            ConsumerToBusinessPercentage = 482010,
        },
        CardVolumeDistribution = new CardVolumeDistribution() {
            EcommercePercentage = 47450,
            CardPresentPercentage = 146275,
            MailOrPhonePercentage = 309315,
            DebtRepaymentPercentage = 990303,
        },
        Fulfillment = new FulfillmentDetails() {
            HasPhysicalGoods = true,
            IsShippingProduct = true,
            ShipmentDurationDays = 388451,
            ReturnPolicy = ReturnPolicyType.Other,
        },
    }
);

// handle response

The request completed successfully.