Create or update underwriting details

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.

Request

POST

/accounts/{accountID}/underwriting

Example Requests

cURL

curl -X POST "https://api.moov.io/accounts/{accountID}/underwriting" \
  -H "Authorization: Bearer {token}" \
  -H "X-Moov-Version: v2026.04.00"

Go

mc, _ := moov.NewClient()

var accountID string

create := moov.UpdateUnderwriting{
  AverageTransactionSize:          1_000,
  MaxTransactionSize:              500,
  AverageMonthlyTransactionVolume: 10_000,
  VolumeByCustomerType: moov.VolumeByCustomerType{
    BusinessToBusinessPercentage: 50,
    ConsumerToBusinessPercentage: 50,
  },
  CardVolumeDistribution: moov.CardVolumeDistribution{
    EcommercePercentage:     50,
    CardPresentPercentage:   50,
    MailOrPhonePercentage:   0,
    DebtRepaymentPercentage: 0,
  },
  Fulfillment: moov.Fulfillment{
    HasPhysicalGoods:     true,
    IsShippingProduct:    true,
    ShipmentDurationDays: 3,
    ReturnPolicy:         moov.WITHIN_THIRTY_DAYS,
  },
}

mc.UpsertUnderwriting(ctx, accountID, create)

TypeScript

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

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

async function run() {
  const result = await moov.underwriting.save({
    accountID: "ffe3ca1b-de3f-4305-8d8c-cfd28f279cad",
    upsertUnderwriting: {},
  });

console.log(result);
}

run();

PHP

declare(strict_types=1);

require 'vendor/autoload.php';

use Moov\/MoovPhp;
use Moov\MoovPhp\Models\Components;

$sdk = MoovPhp\Moov::builder()
    ->setSecurity(
        new Components\Security(
            username: '',
            password: '',
        )
    )
    ->build();

$upsertUnderwriting = new Components\UpsertUnderwriting();

$response = $sdk->underwriting->save(
    accountID: 'ffe3ca1b-de3f-4305-8d8c-cfd28f279cad',
    upsertUnderwriting: $upsertUnderwriting
);

if ($response->underwriting !== null) {
    // handle response
}

Java

package hello.world;

import io.moov.sdk.Moov;
import io.moov.sdk.models.components.Security;
import io.moov.sdk.models.components.UpsertUnderwriting;
import io.moov.sdk.models.errors.GenericError;
import io.moov.sdk.models.errors.UpsertUnderwritingError;
import io.moov.sdk.models.operations.SaveUnderwritingResponse;
import java.lang.Exception;

public class Application {
    public static void main(String[] args) throws GenericError, UpsertUnderwritingError, Exception {

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

SaveUnderwritingResponse res = sdk.underwriting().save()
                .accountID("ffe3ca1b-de3f-4305-8d8c-cfd28f279cad")
                .upsertUnderwriting(UpsertUnderwriting.builder()
                    .build())
                .call();

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

Python

from moovio_sdk import Moov
from moovio_sdk.models import components

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

res = moov.underwriting.save(account_id="ffe3ca1b-de3f-4305-8d8c-cfd28f279cad")

# Handle response
    print(res)

Ruby

require 'moov_ruby'

Models = ::Moov::Models
s = ::Moov::Client.new(
  security: Models::Components::Security.new(
    username: '',
    password: ''
  )
)
res = s.underwriting.save(account_id: 'ffe3ca1b-de3f-4305-8d8c-cfd28f279cad', upsert_underwriting: Models::Components::UpsertUnderwriting.new)

unless res.underwriting.nil?
  # handle response
end

C#

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

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

var res = await sdk.Underwriting.SaveAsync(
    accountID: "ffe3ca1b-de3f-4305-8d8c-cfd28f279cad",
    body: new UpsertUnderwriting() {}
);

// handle response

Example Response

Describes underwriting values (in USD) used for card payment acceptance.

{
  "averageTransactionSize": 0,
  "maxTransactionSize": 0,
  "averageMonthlyTransactionVolume": 0,
  "status": "approved",
  "volumeByCustomerType": {
    "businessToBusinessPercentage": 0,
    "consumerToBusinessPercentage": 0
  },
  "cardVolumeDistribution": {
    "ecommercePercentage": 0,
    "cardPresentPercentage": 0,
    "mailOrPhonePercentage": 0,
    "debtRepaymentPercentage": 0
  },
  "fulfillment": {
    "hasPhysicalGoods": true,
    "isShippingProduct": true,
    "shipmentDurationDays": 0,
    "returnPolicy": "none"
  },
  "geographicReach": "international-only",
  "businessPresence": "commercial-office",
  "pendingLitigation": "bankruptcy-or-insolvency",
  "volumeShareByCustomerType": {
    "business": 0,
    "consumer": 0,
    "p2p": 0
  },
  "collectFunds": {
    "ach": {
      "estimatedActivity": {
        "averageTransactionAmount": 0,
        "maximumTransactionAmount": 0,
        "monthlyVolumeRange": "under-10k"
      }
    },
    "cardPayments": {
      "cardAcceptanceMethods": {
        "inPersonPercentage": 0,
        "mailOrPhonePercentage": 0,
        "onlinePercentage": 0
      },
      "currentlyAcceptsCards": true,
      "estimatedActivity": {
        "averageTransactionAmount": 0,
        "maximumTransactionAmount": 0,
        "monthlyVolumeRange": "under-10k"
      },
      "fulfillment": {
        "method": "bill-or-debt-payment",
        "timeframe": "immediate"
      },
      "refundPolicy": "conditional-refund"
    }
  },
  "moneyTransfer": {
    "pullFromCard": {
      "estimatedActivity": {
        "averageTransactionAmount": 0,
        "maximumTransactionAmount": 0,
        "monthlyVolumeRange": "under-10k"
      }
    },
    "pushToCard": {
      "estimatedActivity": {
        "averageTransactionAmount": 0,
        "maximumTransactionAmount": 0,
        "monthlyVolumeRange": "under-10k"
      }
    }
  },
  "sendFunds": {
    "ach": {
      "estimatedActivity": {
        "averageTransactionAmount": 0,
        "maximumTransactionAmount": 0,
        "monthlyVolumeRange": "under-10k"
      }
    },
    "pushToCard": {
      "estimatedActivity": {
        "averageTransactionAmount": 0,
        "maximumTransactionAmount": 0,
        "monthlyVolumeRange": "under-10k"
      }
    },
    "rtp": {
      "estimatedActivity": {
        "averageTransactionAmount": 0,
        "maximumTransactionAmount": 0,
        "monthlyVolumeRange": "under-10k"
      }
    },
    "instantBank": {
      "estimatedActivity": {
        "averageTransactionAmount": 0,
        "maximumTransactionAmount": 0,
        "monthlyVolumeRange": "under-10k"
      }
    }
  }
}