# Create or update underwriting details    beta

Create or update the account's underwriting.

Read our [underwriting guide](https://docs.moov.io/guides/accounts/requirements/underwriting/) to learn more.

To access this endpoint using an [access token](https://docs.moov.io/api/authentication/access-tokens/)
you'll need to specify the `/accounts/{accountID}/profile.write` scope.

## POST

/accounts/{accountID}/underwriting

## Ask

```shell
curl -X POST "https://api.moov.io/accounts/{accountID}/underwriting" \
  -H "Authorization: Bearer {token}" \
  -H "X-Moov-Version: v2026.07.00"
```

## Ask

```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)
```

## Ask

```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();
```

## Ask

```php
declare(strict_types=1);

require 'vendor/autoload.php';

use Moov\