Check financing capacity

Check the client's credit account right before you fund a payment.

1. Confirm the client is active

GET /clients/{clientId} must return status ACTIVE.

2. Find the credit account

Call GET /clients/{clientId}/credit-accounts and pick the account whose currency and paymentRails match the payment. Rail codes are listed by GET /settings/payment-rails.

3. Check the balance

The account must be ACTIVE and its availableBalance must cover the amount you want to fund.

• creditLimit is the maximum for this account.
• availableBalance is what is left to fund now.
• balance is money received from the client and not yet used for repayment.

4. Fund the payment

The check does not reserve capacity, so fund the payment right after it.