Get all accounts for all customers

GET /customers/accounts

Returns all accounts from the perspective of each customer. For instance, if one account has two customers, these are reflected as two separate items in the response array. Similarly, if one customer has multiple accounts, each account is reflected as a separate item in the response array.

Query parameters

  • limit integer

    The maximum number of customer accounts to be returned. Defaults to 30.

    Minimum value is 0, maximum value is 100.

  • starting_after string

    Pass the value from the paging response body in your previous request. If not provided, the zero-indexed starting point will be used. Either starting_after or ending_before may be provided, but not both.

  • ending_before string

    Pass the value from the paging response body in your previous request. If not provided, the zero-indexed starting point will be used. Either starting_after or ending_before may be provided, but not both.

  • search_parameters string

    Currently, this API only supports searching by name_first or name_last. Based on the input search parameter, the top responses from our API search, up to or less than the provided limit will be returned.

Responses

  • • 200 object

    Array of Customers and their corresponding Accounts

    • results array[object | null] Required

      Passport information. required if country is not US

      Not more than 1000 elements.

      • address_line_one string Required

        Address line one.

      • address_line_two string

        Address line two.

      • address_city string Required

        Address city.

      • address_state string Required

        Address state.

      • address_zip string Required

        Five digit zipcode or nine digit 'ZIP+4'.

      • address_country_code string

        ISO 3166-1 alpha-2 country code for the customer.

        Values are US, GB, CA, AF, AX, AL, DZ, AS, AD, AO, AI, AQ, AG, AR, AM, AN, AW, AU, AT, AZ, BS, BH, BD, BB, BY, BE, BZ, BJ, BM, BT, BO, BA, BW, BV, BR, IO, BN, BG, BF, BI, KH, CM, CV, KY, CF, TD, CL, CN, CX, CC, CO, KM, CG, CD, CK, CR, CI, HR, CU, CY, CZ, DK, DJ, DM, DO, EC, EG, SV, GQ, ER, EE, ET, FK, FO, FJ, FI, FR, GF, PF, TF, GA, GM, GE, DE, GH, GI, GR, GL, GD, GP, GU, GT, GG, GN, GW, GY, HT, HM, VA, HN, HK, HU, IS, IN, ID, IR, IQ, IE, IM, IL, IT, JM, JP, JE, JO, KZ, KE, KI, KR, KW, KG, LA, LV, LB, LS, LR, LY, LI, LT, LU, MO, MK, MG, MW, MY, MV, ML, MT, MH, MQ, MR, MU, YT, MX, FM, MD, MC, MN, ME, MS, MA, MZ, MM, NA, NR, NP, NL, NC, NZ, NI, NE, NG, NU, NF, MP, NO, OM, PK, PW, PS, PA, PG, PY, PE, PH, PN, PL, PT, PR, QA, RE, RO, RU, RW, BL, SH, KN, LC, MF, PM, VC, WS, SM, ST, SA, SN, RS, SC, SL, SG, SK, SI, SB, SO, ZA, GS, ES, LK, SD, SR, SJ, SZ, SE, CH, SY, TW, TJ, TZ, TH, TL, TG, TK, TO, TT, TN, TR, TM, TC, TV, UG, UA, AE, UM, UY, UZ, VU, VE, VN, VG, VI, WF, EH, YE, ZM, or ZW.

      • name_prefix string

        Prefix to the customer's name.

      • name_first string

        Customer's first name.

      • name_middle string

        Customer's middle name.

      • name_last string

        Customer's last name.

      • name_suffix string

        Suffix to the customer's name.

      • passport object
        • number string Required

          Number on the passport

        • country string Required

          ISO 3166-1 Two letter code for the issuing country

      • customer_id string Required

        A Canopy-generated ID for the customer.

      • customer_type string

        The customer can be either a person or a business. This is used to explicitly set that and adjust behavior such as validation.

        Values are person or business.

      • verification_status string

        The verification status of this customer. The default is 'unverified'. Depending on the system's configuration verification with third parties will happen and the status will be updated based on the result.

        Values are unverified, verified, retry, or document.

      • title string

        Title of the customer if a person OR title of the admin if a business

      • phone_number string

        Customer's phone number in E.164 format

      • ssn string

        Social security number of the customer.

      • international_customer_id string

        Any country-specific unique identifier for the customer.

      • email string(email)

        The email address of this Customer

      • date_of_birth string(date)

        Customer's date of birth in ISO 8601 format

      • business_details object
        • business_legal_name string

          The legal name of the Business

        • doing_business_as string

          The DBA name of the Business

        • business_ein string

          EIN of the business, expected format in NN-NNNNNNN.

        • business_type string

          Type of business is used in determining the appropriate validation.

          Values are sole_proprietorship, llc, unincorporated_association, trust, corporation, corporation_public, non_profile, or partnership.

        • business_classification_id string

          UUID that references the business classification. This will eventually be supported by a reference api, however, for now refer to dwolla's specific UUID.

        • website string

          URL for the buesiness's website. This should be publicly resolvable

        • controller object | null

          Passport information. required if country is not US

          • address_line_one string Required

            Address line one.

          • address_line_two string

            Address line two.

          • address_city string Required

            Address city.

          • address_state string Required

            Address state.

          • address_zip string Required

            Five digit zipcode or nine digit 'ZIP+4'.

          • address_country_code string

            ISO 3166-1 alpha-2 country code for the customer.

            Values are US, GB, CA, AF, AX, AL, DZ, AS, AD, AO, AI, AQ, AG, AR, AM, AN, AW, AU, AT, AZ, BS, BH, BD, BB, BY, BE, BZ, BJ, BM, BT, BO, BA, BW, BV, BR, IO, BN, BG, BF, BI, KH, CM, CV, KY, CF, TD, CL, CN, CX, CC, CO, KM, CG, CD, CK, CR, CI, HR, CU, CY, CZ, DK, DJ, DM, DO, EC, EG, SV, GQ, ER, EE, ET, FK, FO, FJ, FI, FR, GF, PF, TF, GA, GM, GE, DE, GH, GI, GR, GL, GD, GP, GU, GT, GG, GN, GW, GY, HT, HM, VA, HN, HK, HU, IS, IN, ID, IR, IQ, IE, IM, IL, IT, JM, JP, JE, JO, KZ, KE, KI, KR, KW, KG, LA, LV, LB, LS, LR, LY, LI, LT, LU, MO, MK, MG, MW, MY, MV, ML, MT, MH, MQ, MR, MU, YT, MX, FM, MD, MC, MN, ME, MS, MA, MZ, MM, NA, NR, NP, NL, NC, NZ, NI, NE, NG, NU, NF, MP, NO, OM, PK, PW, PS, PA, PG, PY, PE, PH, PN, PL, PT, PR, QA, RE, RO, RU, RW, BL, SH, KN, LC, MF, PM, VC, WS, SM, ST, SA, SN, RS, SC, SL, SG, SK, SI, SB, SO, ZA, GS, ES, LK, SD, SR, SJ, SZ, SE, CH, SY, TW, TJ, TZ, TH, TL, TG, TK, TO, TT, TN, TR, TM, TC, TV, UG, UA, AE, UM, UY, UZ, VU, VE, VN, VG, VI, WF, EH, YE, ZM, or ZW.

          • name_prefix string

            Prefix to the customer's name.

          • name_first string

            Customer's first name.

          • name_middle string

            Customer's middle name.

          • name_last string

            Customer's last name.

          • name_suffix string

            Suffix to the customer's name.

          • passport object
            • number string Required

              Number on the passport

            • country string Required

              ISO 3166-1 Two letter code for the issuing country

          • title string

            Title of the customer if a person OR title of the admin if a business

          • phone_number string

            Customer's phone number in E.164 format.

          • ssn string

            Social security number of the customer.

      • customer_account_role string

        The role of the customer for the account.

        Default value is PRIMARY.

      • customer_account_external_id string

        A unique number for the customer on the account. For instance, a credit card number. If none is provided, a Canopy-generated ID can be used.

      • account object
        • account_id string Required

          This is the ID used to identify the account in your system. For most use-cases, we strongly recommend using the ID from the system the account was originally created in -- for most use-cases, this is created as part of the origination system that approves a borrower. This will be the account that is used to refer to the borrower for all subsequent requests. Note: both strings and integers are accepted.

        • created_at string(date-time)

          The Date-Time which the account was created in the API.

        • effective_at string(date-time)

          The Date-Time that this account became/becomes active.

        • account_overview object
          • account_status string Required

            The Status of the Account. Active upon account creation.

            Values are ACTIVE, SUSPENDED, or CLOSED. Default value is ACTIVE.

          • account_status_subtype string | null

            The subtype of the Status of the Account. Null upon account creation.

            Values are , INACTIVITY, INELIGIBLE, DELINQUENT, CHARGE_OFF, GRANTOR_REQUEST, BANKRUPTCY, PAID_OFF, SURPLUS_BALANCE, CUSTOMER_REQUEST_PENDING_PAYOFF, GRANTOR_REQUEST_PENDING_PAYOFF, DECEASED, RISK_REVIEW, FRAUD, CUSTOMER_REQUEST, RISK, HARDSHIP/EXEMPTIONS, or SETTLEMENT. Default value is empty.

          • is_active_scra boolean

            Denotes whether an account has active SCRA benefits

        • account_product object

          The product associated with the account.

          • product_id string Required

            The Canopy-generated ID for the product.

          • product_overview object
            • product_name string Required

              Name of Product, i.e. Express Card.

            • product_color string

              A color to be associated with the product for UI purposes.

              Default value is #4867FF.

            • product_short_description string | null

              Short description of the Product - max of 30 characters.

            • product_long_description string | null Required

              Description of the Product.

            • product_time_zone string

              Timezone denoted as an Olson-style timezone defining the timezone for the product. All times in any response data for accounts using this product will be denominated in this timezone. Shifts due to daylight savings will be accounted for where relevant, and all output timestamps will be denoted as UTC offsets normalized based on this value.

              Default value is America/New_York.

            • product_type string Required

              The Type of Product. If not included, defaults to REVOLVING

          • product_lifecycle object
            • late_fee_impl_cents integer Required

              The fee charged for late payments on the account.

              Default value is 0.

            • default_product_late_fee_cents integer

              Default late fee described by the account's product. This value will be overridden by 'late_fee_impl_cents` for determining fee amounts

            • payment_reversal_fee_impl_cents integer Required

              The fee charged for payment reversals on the account.

              Default value is 0.

            • default_product_payment_reversal_fee_cents integer

              Default payment reversal fee described by the account's product. This value will be overridden by payment_reversal_fee_impl_cents for determining fee amounts.

            • origination_fee_impl_cents integer

              The fee charged at the time of account origination

              Default value is 0.

            • annual_fee_impl_cents integer

              An annual fee to be charged yearly from the date of account creation. It will reflect on the subsequent statement once incurred.

              Default value is 0.

            • monthly_fee_impl_cents integer

              A monthly fee to be charged monthly from the date of account creation. It will reflect on the subsequent statement once incurred.

              Default value is 0.

            • loan_end_date string(date-time) | null

              If applicable, the account's loan repayment date.

          • promo_overview object
            • promo_purchase_window_inclusive_start string(date-time) | null

              If applicable, the start date for a purchase window for the account

            • promo_purchase_window_exclusive_end string(date-time) | null

              If applicable, the end date for a purchase window for the account

            • promo_inclusive_start string(date-time) | null

              If applicable, the start date for a promotional period for the account.

            • promo_exclusive_end string(date-time) | null

              If applicable, the start date for a promotional period for the account.

            • promo_impl_interest_rate_percent number

              The percentage interest applied to the account during the promotional period (i.e. 6.2%)

              Default value is 0.

            • default_product_promo_interest_rate number

              Default interest rate described by the account's product (i.e. 6.2%). This value will be overridden by promo_impl_interest_rate_percent for determining interest rate.

            • promo_len integer

              Defaults to 0. The number of billing cycles from account origination during which accounts on this product are on a promotional period.

            • default_product_promo_len number

              Default promotional length described by the account's product. This will be overridden by promo_len for determining length of the promotional period.

          • post_promo_overview object
            • post_promo_inclusive_start string(date-time) | null

              If applicable, the start date for a promotional period for the account.

            • post_promo_exclusive_end string(date-time) | null

              If applicable, the start date for a promotional period for the account.

            • post_promo_impl_interest_rate_percent number

              The percentage interest applied to the account during the post-promotional period (i.e. 6.2%)

              Default value is 0.

            • default_product_post_promo_interest_rate number

              Default interest rate described by the account's product (i.e. 6.2%). This value will be overridden by post_promo_impl_interest_rate_percent for determining interest rate for the account.

              Default value is 0.

            • post_promo_len integer

              If applicable, post-promotional amortization length in cycles.

              Default value is 0.

            • default_product_post_promo_len integer

              Default post promotional amortization length in cycles described by this account's product. This value will be overridden by post_promo_len to determine the post promotional length for this account.

          • product_duration_information object
            • promo_len integer

              The number of billing cycles from account origination during which accounts on this product are on a promotional period.

              Default value is 0.

            • promo_purchase_window_len integer

              If applicable, the number of billing cycles from account origination under which this product falls under a purchas window period.

              Default value is 0.

        • external_fields array[object]

          An Array of External Fields. These should be used to connect accounts created in Canopy to Users in your system and any connected external systems.

          Not more than 1000 elements.

          • key string

            key: i.e. Name of the External Party

          • value string

            value: i.e. External Account ID

        • min_pay_due_cents object
          • statement_min_pay_cents integer Required

            Total amount due for the billing cycle, summing cycle principal, interest, deferred interest, and fees outstanding.

            Default value is 0.

          • min_pay_cents integer

            Real time total amount due including payments made since the start of the billing cycle, summing cycle principal, interest, deferred interest, and fees outstanding.

            Default value is 0.

          • min_pay_due_at string(date-time)

            The Date-Time the payment for this billing cycle is due.

        • additional_min_pay_details object
          • min_pay_fees_cents integer

            Total fees due for the billing cycle accounting for payments since the billing cycle start.

            Default value is 0.

          • current_min_pay_cents integer | null

            Portion of the real-time minimum payment that comes from current cycle balances.

          • unpaid_min_pay_cents integer

            Portion of the real-time minimum payment that comes from unpaid balances.

            Default value is 0.

        • additional_statement_min_pay_details object
        • payment_processor_config object
          • ach object

            ACH processing configuration.

            • payment_processor_name string Required

              Indicates the active payment processor whose configuration will be used for ACH/Debit card payments made from the account.

              Values are NONE, REPAY, DWOLLA, MODERN_TREASURY, or CANOPY_NACHA. Default value is NONE.

            • repay_config object | null
              • ach_token string | null

                The tokenized ACH details.

              • last_four string | null

                The last four digits of the account number

            • dwolla_config object | null
              • ach_token string | null

                The tokenized ACH details.

              • last_four string | null

                The last four digits of the account number

            • modern_treasury_config object | null
              • ach_token string | null

                The tokenized ACH details.

              • last_four string | null

                The last four digits of the account number

            • canopy_nacha_config object | null

              Canopy will create a NACHA file for each borrower ACH payment to be sent to your bank for ACH execution.

              • bank_routing_number string Required

                Routing number is a nine-digit code based on the U.S. Bank location where your account was opened.

              • bank_account_number string Required

                Account number is an eight to ten digit number that identifies a specific account.

              • bank_account_type string

                The type of bank account being used by the borrower.

                Values are CHECKING, SAVINGS, or GL.

          • debit_card object

            Debit processing configuration.

          • credit_card object

            Credit processing configuration.

            • payment_processor_name string Required

              Indicates the active payment processor whose configuration will be used for Credit card payments made from the account.

              Values are NONE or CHECKOUT. Default value is NONE.

            • checkout_config object | null
              • source_id string

                A Checkout.com payment source id or customer id.

              • card_token string

                The tokenized card number.

              • last_four string | null

                The last 4 digits of the card number.

              • expires_on string | null

                Expiration time for the card token.

          • autopay_enabled boolean

            Indicates whether autopay is enabled for this account. Currently, autopay is triggered 1 day prior to a payment due date. If default_payment_processor is set to NONE, autopay will not be triggered for account regardless of this field's value.

            Default value is false.

          • default_payment_processor_method string

            Configures the payment processor to be used for manual or autopay payments. This cannot be set to a value different from NONE if no valid ACH or Debit Card configs are provided.

            Values are ACH, DEBIT_CARD, CREDIT_CARD, or NONE. Default value is NONE.

        • disbursements_config object
          • disbursement_source_payout_entity_id string

            The payout_entity_id for this payout entity (typically a lender).

          • disbursement_split_percentages object

            Provide a disbursement breakdown if draw downs from a borrower are meant to be distributed across multiple payout entities (lenders, merchants). Borrower payout breakdown. These numbers must add up to 100%. Borrower payout breakdowns will get reflected in daily reconciliation reports.

            • principal array[object]
              • payout_entity_id string

                The payout_entity_id for this payout entity.

              • split_percent number

                The percentage of borrower payouts towards principal to be allocated to this payout entity. Sum of splits for a borrower must = 100%.

        • payouts_config object
          • payout_split_percentages object
            • principal array[object] Required
              • payout_entity_id string Required

                The payout_entity_id of the payout_entity.

              • split_percent number Required

                The percentage of borrower payouts/disbursements to be allocated to this associated entity. Sum of splits for a borrower must = 100%. No decimals allowed.

            • interest array[object] Required
              • payout_entity_id string Required

                The payout_entity_id of the payout_entity.

              • split_percent number Required

                The percentage of borrower payouts/disbursements to be allocated to this associated entity. Sum of splits for a borrower must = 100%. No decimals allowed.

            • fee array[object] Required
              • payout_entity_id string Required

                The payout_entity_id of the payout_entity.

              • split_percent number Required

                The percentage of borrower payouts/disbursements to be allocated to this associated entity. Sum of splits for a borrower must = 100%. No decimals allowed.

        • issuer_processor_details object | null
          • lithic object
            • account_token string(uuid)

              The external unique identifier of the Lithic account against which charges are made.

        • cycle_type object
          • first_cycle_interval string

            Interval for a first cycle for this account.

          • late_fee_grace string

            The amount of time after a payment is late after which you would like for a late fee to be incurred. If not provided, defaults to product's fee policy's late fee grace value

        • discounts object
        • summary object
          • total_balance_cents integer

            The total balance (in cents) associated with the account. This balance is comprised of the sum of the following six balance items.

          • principal_cents integer

            The total principal balance (in cents) associated with the account.

          • interest_balance_cents integer

            The total interest balance (in cents) associated with the account.

          • interest_accrual_interval string

            The interval at which interest accrues on the account. Ex: '1 day', '1 week', '2 weeks', '1 month' .Defaults to the product interest_accrual_interval if not specified

          • am_interest_balance_cents integer

            The total AM interest balance (in cents) associated with the account.

            Default value is 0.

          • deferred_interest_balance_cents integer

            The total deferred interest balance (in cents) associated with the account.

            Default value is 0.

          • am_deferred_interest_balance_cents integer

            The total AM deferred interest balance (in cents) associated with the account.

            Default value is 0.

          • fees_balance_cents integer

            The total fees balance (in cents) associated with the account.

            Default value is 0.

          • total_paid_to_date_cents integer

            The total sum of payments made to date (in cents) associated with the account.

          • total_interest_paid_to_date_cents integer

            The total sum of interest allocations for payments made to date (in cents) associated with the account.

          • credit_limit_cents integer Required

            Total Amount (in cents) that this account can borrow.

          • max_approved_credit_limit_cents integer

            Total Amount (in cents) that this account can borrow.

            Default value is 0.

          • interest_rate_percent number

            The percentage interest applied to the account (i.e. 6.2 means 6.2%)

          • available_credit_cents integer

            The total available credit balance (in cents) for the account.

            Default value is 0.

          • open_to_buy_cents integer

            If applicable, the total amount of available funds for continued purchase following a purchase window pattern, where payments made do not replenish amount available for purchase.

            Default value is 0.

          • total_payoff_cents integer

            The total amount needed to pay off the loan at this exact moment.

            Default value is 0.

          • late_fee_cap_percent number

            Any number as a percentage (e.g. 5=> 5%). This is the maximum late fee that can be charged in this account: as determined by late_fee_cap_percent * minimum payment.

          • payment_reversal_fee_cap_percent number

            Any number as a percentage (e.g. 5=> 5%). This is the maximum reversal fee that can be charged in this account, as determined by payment_reversal_fee_cap_percent * account principal as if the payment never occurred (as opposed to after the payment but before it's reversed)

        • associated_entities object | null

          (to be depricated) -- use payout_entities instead to provide more granular detail.

        • plaid_config object

          Plaid configurations.

          • plaid_access_token object
            • valid_config boolean Required

              Indicates whether Canopy has a valid Plaid access token.

          • plaid_account_id object
            • valid_config boolean Required

              Indicates whether Canopy has a valid Plaid account ID.

          • check_balance_enabled boolean

            Indicates whether the balance check functionality is enabled with along side the payment processing. If set to true, the payment processing is enabled and the plaid access token and plaid account ID are valid, actions such as notifications etc. will be triggered.

            Default value is false.

        • payout_entities array[object] | null

          An array of payout entities who have been assigned to the account

          Not more than 1000 elements.

          • payout_entity_id string Required

            The ID to be associated with the payout entity for future requests. If not provided on payout entity creation, Canopy will generate this field.

          • payout_entity_type string

            Type of associated entity

            Values are merchant, lender, sponsor, organization, or clearing.

          • payout_entity_name string

            Entity's name.

          • external_fields array[object]

            An Array of External Fields. These should be used to connect entities created in Canopy to data in your system and any connected external systems.

            Not more than 1000 elements.

            • key string

              key: i.e. Name of the External Party

            • value string

              value: i.e. External Account ID

          • parent_payout_entity_id string | null

            A Canopy-generated ID for the parent of this associated entity to establish a parent-child relationship.

          • bank_account_number string

            Account number of the bank account for payment distributions.

          • bank_routing_number string

            Routing number of the bank account for payment distributions.

          • bank_account_type string

            The type of bank account being stored for the payout entity.

            Values are CHECKING, SAVINGS, or GL.

        • cards array[object] | null

          Card data. Field names match the ones in Lithic's card schema

          • spend_limit integer | null

            Spending limit of card (in cents). If not provided, spending is still subject to the spend limit set at the issuer processor account (if any).

            Minimum value is 1.

          • lithic object
            • token string(uuid)

              Unique external identifier for the card

            • card_program_token string(uuid)

              Token belonging to the card program under which to create the card.

            • last_four string

              Last four digits of the card

            • type string

              The type of card being returned

              Values are UNLOCKED, MERCHANT_LOCKED, or SINGLE_USE.

            • state string

              The current state of the card

              Values are OPEN, PAUSED, or CLOSED.

            • memo string

              Friendly name to identify the card

    • paging object

      Pagination Information.

      • starting_after string

        Use this to drive your next request if you want the next page of results

      • ending_before string

        Use this to drive your next request if you want the previous page of results

      • has_more boolean

        Indicates whether there are additional values beyond the ending index of the paginated results.

  • • 401

    Unauthorized.

  • • 403

    Forbidden.

  • • 404

    Unable to get customers

  • • 429

    Too many requests.

  • • default

    Unexpected Error.

GET /customers/accounts 
curl \
 -X GET https://sandbox-api.canopyservicing.com/customers/accounts \
 -H "Authorization: Bearer $ACCESS_TOKEN"
Response example (200) 
{
  "results": [
    {
      "address_line_one": "12 Strawberry Road",
      "address_line_two": "Suite 101",
      "address_city": "Atlanta",
      "address_state": "GA",
      "address_zip": "99999-1000",
      "address_country_code": "US",
      "name_prefix": "Dr.",
      "name_first": "Miriam",
      "name_middle": "Louise",
      "name_last": "Trevino",
      "name_suffix": "Jr",
      "passport": {
        "number": "string",
        "country": "JP"
      },
      "customer_id": "31mNprzLd2bKl6koVna68ARM",
      "customer_type": "person",
      "verification_status": "verified",
      "title": "CFO",
      "phone_number": "+14105556789",
      "ssn": "888888888",
      "international_customer_id": "9999999999",
      "email": "marissa@protonmail.com",
      "date_of_birth": "1985-06-20",
      "business_details": {
        "business_legal_name": "Umbrella Corporation",
        "doing_business_as": "Umbrella",
        "business_ein": "888-888888",
        "business_type": "llc",
        "business_classification_id": "794D9D5E-B547-4B3B-8289-76484C1AFC5F",
        "website": "https://example.com",
        "controller": {
          "address_line_one": "12 Strawberry Road",
          "address_line_two": "Suite 101",
          "address_city": "Atlanta",
          "address_state": "GA",
          "address_zip": "99999-1000",
          "address_country_code": "US",
          "name_prefix": "Dr.",
          "name_first": "Miriam",
          "name_middle": "Louise",
          "name_last": "Trevino",
          "name_suffix": "Jr",
          "passport": {
            "number": "string",
            "country": "JP"
          },
          "title": "CFO",
          "phone_number": "+14105556789",
          "ssn": "888888888"
        }
      },
      "customer_account_role": "PRIMARY",
      "customer_account_external_id": "4465220133024156",
      "account": {
        "account_id": "31mNprzLd2bKl6koVna68ARM",
        "created_at": "2017-06-20T09:12:14+00:00",
        "effective_at": "2018-03-20T09:12:28+00:00",
        "account_overview": {
          "account_status": "SUSPENDED",
          "account_status_subtype": "BANKRUPTCY",
          "is_active_scra": "false"
        },
        "account_product": {
          "product_id": "prod_4p1sc",
          "product_overview": {
            "product_name": "Blue Cash Express",
            "product_color": "#0000FF",
            "product_short_description": "Consumer credit card",
            "product_long_description": "Student credit card.",
            "product_time_zone": "America/Chicago",
            "product_type": "REVOLVING"
          },
          "product_lifecycle": {
            "late_fee_impl_cents": 2900,
            "default_product_late_fee_cents": 2900,
            "payment_reversal_fee_impl_cents": 2900,
            "default_product_payment_reversal_fee_cents": 2900,
            "origination_fee_impl_cents": 2000,
            "annual_fee_impl_cents": 1000,
            "monthly_fee_impl_cents": 500,
            "loan_end_date": "2013-01-13T05:25:13.813+00:00"
          },
          "promo_overview": {
            "promo_purchase_window_inclusive_start": "2013-01-13T05:25:13.813+00:00",
            "promo_purchase_window_exclusive_end": "2013-01-13T05:25:13.813+00:00",
            "promo_inclusive_start": "2013-01-13T05:25:13.813+00:00",
            "promo_exclusive_end": "2013-01-13T05:25:13.813+00:00",
            "promo_impl_interest_rate_percent": 6.2,
            "default_product_promo_interest_rate": 6.2,
            "promo_len": 6,
            "default_product_promo_len": 6
          },
          "post_promo_overview": {
            "post_promo_inclusive_start": "2013-01-13T05:25:13.813+00:00",
            "post_promo_exclusive_end": "2013-01-13T05:25:13.813+00:00",
            "post_promo_impl_interest_rate_percent": 6.2,
            "default_product_post_promo_interest_rate": 6.2,
            "post_promo_len": 48,
            "default_product_post_promo_len": 48
          },
          "product_duration_information": {
            "promo_len": 6,
            "promo_purchase_window_len": 5
          }
        },
        "external_fields": [
          {
            "key": "Umbrella Corporation",
            "value": "22445702-a389-431f-927d-07b8d0750787"
          }
        ],
        "min_pay_due_cents": {
          "statement_min_pay_cents": 160000,
          "min_pay_cents": 160000,
          "min_pay_due_at": "2019-10-18T23:04:48.321+00:00"
        },
        "additional_min_pay_details": {
          "min_pay_fees_cents": 20000,
          "current_min_pay_cents": 400000,
          "unpaid_min_pay_cents": 400000
        },
        "additional_statement_min_pay_details": {
          "statement_min_pay_charges_principal_cents": 100000,
          "statement_min_pay_interest_cents": 30000,
          "statement_min_pay_am_interest_cents": 200,
          "statement_min_pay_deferred_cents": 10000,
          "statement_min_pay_am_deferred_interest_cents": 200,
          "statement_min_pay_fees_cents": 20000,
          "statement_payments_cents": 20000,
          "previous_statement_min_pay_cents": 400000,
          "statement_current_min_pay_cents": 400000,
          "statement_unpaid_min_pay_cents": 400000
        },
        "payment_processor_config": {
          "ach": {
            "payment_processor_name": "REPAY",
            "repay_config": {
              "ach_token": "string",
              "last_four": "string"
            },
            "dwolla_config": {
              "ach_token": "string",
              "last_four": "string"
            },
            "modern_treasury_config": {
              "ach_token": "string",
              "last_four": "string"
            },
            "canopy_nacha_config": {
              "bank_routing_number": "999999992",
              "bank_account_number": "987654321",
              "bank_account_type": "CHECKING"
            }
          },
          "debit_card": {
            "payment_processor_name": "REPAY",
            "repay_config": {
              "card_token": "string",
              "last_four": "string"
            },
            "authorize_net_config": {
              "customer_profile_id": "527262",
              "customer_payment_profile_ids": [
                "86"
              ]
            }
          },
          "credit_card": {
            "payment_processor_name": "CHECKOUT",
            "checkout_config": {
              "source_id": "cus_6artgoevd77u7ojah2wled32s",
              "card_token": "string",
              "last_four": "string",
              "expires_on": "string"
            }
          },
          "autopay_enabled": true,
          "default_payment_processor_method": "ACH"
        },
        "disbursements_config": {
          "disbursement_source_payout_entity_id": 1009,
          "disbursement_split_percentages": {
            "principal": [
              {
                "payout_entity_id": 1009,
                "split_percent": 25
              }
            ]
          }
        },
        "payouts_config": {
          "payout_split_percentages": {
            "principal": [
              {
                "payout_entity_id": 1009,
                "split_percent": 25
              }
            ],
            "interest": [
              {
                "payout_entity_id": 1009,
                "split_percent": 25
              }
            ],
            "fee": [
              {
                "payout_entity_id": 1009,
                "split_percent": 25
              }
            ]
          }
        },
        "issuer_processor_details": {
          "lithic": {
            "account_token": "349e2031-20de-40c6-87a3-214895077522"
          }
        },
        "cycle_type": {
          "first_cycle_interval": "11 days",
          "late_fee_grace": "2 days"
        },
        "discounts": {
          "prepayment_discount_config": {
            "loan_discount_cents": 800000,
            "loan_discount_at": "2018-03-20T09:12:28+00:00"
          }
        },
        "summary": {
          "total_balance_cents": 300000,
          "principal_cents": 200000,
          "interest_balance_cents": 60000,
          "interest_accrual_interval": "1 day",
          "am_interest_balance_cents": 0,
          "deferred_interest_balance_cents": 40000,
          "am_deferred_interest_balance_cents": 0,
          "fees_balance_cents": 0,
          "total_paid_to_date_cents": 40000,
          "total_interest_paid_to_date_cents": 10000,
          "credit_limit_cents": 400000,
          "max_approved_credit_limit_cents": 400000,
          "interest_rate_percent": 3,
          "available_credit_cents": 100000,
          "open_to_buy_cents": 5000,
          "total_payoff_cents": 900000,
          "late_fee_cap_percent": 12.5,
          "payment_reversal_fee_cap_percent": 6.2
        },
        "associated_entities": {
          "merchant_name": "Acme Corporation",
          "lender_name": "Globex Lending Corp"
        },
        "plaid_config": {
          "plaid_access_token": {
            "valid_config": true
          },
          "plaid_account_id": {
            "valid_config": true
          },
          "check_balance_enabled": true
        },
        "payout_entities": [
          {
            "payout_entity_id": "0x1234",
            "payout_entity_type": "lender",
            "payout_entity_name": "Wonka Industries",
            "external_fields": [
              {
                "key": "Umbrella Corporation",
                "value": "22445702-a389-431f-927d-07b8d0750787"
              }
            ],
            "parent_payout_entity_id": "31mNprzLd2bKl6koVna68ARM",
            "bank_account_number": "1001001234",
            "bank_routing_number": "012345678",
            "bank_account_type": "CHECKING"
          }
        ],
        "cards": [
          {
            "spend_limit": 8000000,
            "lithic": {
              "token": "adccd28d-532e-480b-a063-a46a77a15570",
              "card_program_token": "a5e38341-cc95-4a9b-a21c-751aeca67e9c",
              "last_four": "0339",
              "type": "UNLOCKED",
              "state": "OPEN",
              "memo": "Conference Event Card"
            }
          }
        ]
      }
    }
  ],
  "paging": {
    "starting_after": "31mNprzLd2bKl6koVna68ARM",
    "ending_before": "31mNprzLd2bKl6koVna68ARM",
    "has_more": false
  }
}