Create loan products
/loan-productsCreate a loan product against a facility.
Permissions
loanProducts:createRequires the `create` action on `loanProducts` for the supplied runtime context
Request body
This body is a tagged shape: type is always "LprodCmdCreate". Send it; more variants can be added, and a caller that switches on it keeps working when they are.
typetype = "LprodCmdCreate"loanFacilityIdLfacIdrequiredIdentifier of a loan facility.
Example lfac_9f2Kd8QpLzXw
descriptionstringrequiredcurrencyIsoCurrencyrequiredAFNDZDARSAMDAWGAUDAZNBSDBHDTHB+156 moreShow fewer
PAB, BBD, BYR, BZD, BMD, VEF, BOB, BRL, BND, BGN, BIF, CAD, CVE, KYD, XOF, XAF, XPF, CLP, COP, KMF, CDF, BAM, NIO, CRC, HRK, CUP, CZK, GMD, DKK, MKD, DJF, STD, DOP, VND, XCD, EGP, SVC, ETB, EUR, FKP, FJD, HUF, GHS, GIP, HTG, PYG, GNF, GYD, HKD, UAH, ISK, INR, IRR, IQD, JMD, JOD, KES, PGK, LAK, KWD, MWK, AOA, MMK, GEL, LBP, ALL, HNL, SLL, LRD, LYD, SZL, LSL, MGA, MYR, MUR, MXN, MXV, MDL, MAD, MZN, BOV, NGN, ERN, NAD, NPR, ANG, ILS, TWD, NZD, BTN, KPW, NOK, PEN, MRU, PKR, MOP, TOP, CUC, UYU, PHP, GBP, BWP, QAR, GTQ, ZAR, OMR, KHR, RON, MVR, IDR, RUB, RWF, SHP, SAR, RSD, SCR, SGD, SBD, KGS, SOS, TJS, SSP, LKR, SDG, SRD, SEK, CHF, SYP, BDT, WST, TZS, KZT, TTD, MNT, TND, TRY, TMT, AED, UGX, COU, CLF, UYI, USD, USN, USS, UZS, VUV, CHE, CHW, KRW, YER, JPY, CNY, ZMW, ZWL, PLN
typeFunds a merchant's settlement in real time, charging a rate on the payments it settles.
variableFeenumberrequiredCharged on payments that use the real-time settlement service, as a decimal.
Example 12.5
A revolving trading account a customer draws against and repays on statement.
allowCreditBasedRepaymentsbooleanrequiredWhether credit may be used to pay this loan off.
Example true
typeA statement each day. Carries no issue day, because every day is one.
A statement each day. Carries no issue day, because every day is one.
A statement every second week, issued on this day of the week.
issueDayOfWeekLprodDayOfWeekrequiredMondayTuesdayWednesdayThursdayFridayUnknownA statement each month, issued on this day of the month.
issueDayOfMonthinteger (int32)requiredExample 6
A statement each week, issued on this day of the week.
issueDayOfWeekLprodDayOfWeekrequiredMondayTuesdayWednesdayThursdayFridayUnknowndefaultGraceDaysinteger (int32)requiredDays between a statement being issued and falling due.
Example 1250
The fees charged to a customer on this product.
typeenumrequiredLprodCustomerFeesAttributescurrencyIsoCurrencyrequiredAFNDZDARSAMDAWGAUDAZNBSDBHDTHB+156 moreShow fewer
PAB, BBD, BYR, BZD, BMD, VEF, BOB, BRL, BND, BGN, BIF, CAD, CVE, KYD, XOF, XAF, XPF, CLP, COP, KMF, CDF, BAM, NIO, CRC, HRK, CUP, CZK, GMD, DKK, MKD, DJF, STD, DOP, VND, XCD, EGP, SVC, ETB, EUR, FKP, FJD, HUF, GHS, GIP, HTG, PYG, GNF, GYD, HKD, UAH, ISK, INR, IRR, IQD, JMD, JOD, KES, PGK, LAK, KWD, MWK, AOA, MMK, GEL, LBP, ALL, HNL, SLL, LRD, LYD, SZL, LSL, MGA, MYR, MUR, MXN, MXV, MDL, MAD, MZN, BOV, NGN, ERN, NAD, NPR, ANG, ILS, TWD, NZD, BTN, KPW, NOK, PEN, MRU, PKR, MOP, TOP, CUC, UYU, PHP, GBP, BWP, QAR, GTQ, ZAR, OMR, KHR, RON, MVR, IDR, RUB, RWF, SHP, SAR, RSD, SCR, SGD, SBD, KGS, SOS, TJS, SSP, LKR, SDG, SRD, SEK, CHF, SYP, BDT, WST, TZS, KZT, TTD, MNT, TND, TRY, TMT, AED, UGX, COU, CLF, UYI, USD, USN, USS, UZS, VUV, CHE, CHW, KRW, YER, JPY, CNY, ZMW, ZWL, PLN
annualFixedFeeMinorUnitsrequiredCharged to the account annually.
Example 1250
implementationFixedFeeMinorUnitsCharged once, when the loan is established.
Example 1250
extendedPaymentTermsVariableFeenumberCharged on each statement for extended payment terms, on the charges since the last one, as a decimal, 0.01 is 1%.
Example 12.5
Charged on each statement for every earlier statement left overdue. Absent, a loan update keeps the late fee the loan has and a new loan takes its product's; a monthlyRate and minimumFee of 0 charge no late fee.
typeenumrequiredLprodLatePaymentFeeAttributesmonthlyRatenumberrequiredThe monthly rate, as a decimal, 0.02 is 2% a month.
Example 0.9412
minimumFeeMinorUnitsrequiredThe least fee charged for an overdue statement on a statement run.
Example 1250
graceDaysinteger (int32)requiredDays after a statement falls due it may be paid without a late fee.
Example 1250
customerTransactionVariableFeenumberCharged on each statement for its payment terms, on the charges since the last one, as a decimal up to 0.1, 0.01 is 1%. Absent, a loan update keeps the fee the loan has and a new loan takes its product's; 0 charges no fee.
Example 12.5
originationVariableFeenumberrequiredCharged on origination, as a decimal.
Example 12.5
The limits loans on this product are written within.
typeenumrequiredLprodLimitsAttributescurrencyIsoCurrencyrequiredAFNDZDARSAMDAWGAUDAZNBSDBHDTHB+156 moreShow fewer
PAB, BBD, BYR, BZD, BMD, VEF, BOB, BRL, BND, BGN, BIF, CAD, CVE, KYD, XOF, XAF, XPF, CLP, COP, KMF, CDF, BAM, NIO, CRC, HRK, CUP, CZK, GMD, DKK, MKD, DJF, STD, DOP, VND, XCD, EGP, SVC, ETB, EUR, FKP, FJD, HUF, GHS, GIP, HTG, PYG, GNF, GYD, HKD, UAH, ISK, INR, IRR, IQD, JMD, JOD, KES, PGK, LAK, KWD, MWK, AOA, MMK, GEL, LBP, ALL, HNL, SLL, LRD, LYD, SZL, LSL, MGA, MYR, MUR, MXN, MXV, MDL, MAD, MZN, BOV, NGN, ERN, NAD, NPR, ANG, ILS, TWD, NZD, BTN, KPW, NOK, PEN, MRU, PKR, MOP, TOP, CUC, UYU, PHP, GBP, BWP, QAR, GTQ, ZAR, OMR, KHR, RON, MVR, IDR, RUB, RWF, SHP, SAR, RSD, SCR, SGD, SBD, KGS, SOS, TJS, SSP, LKR, SDG, SRD, SEK, CHF, SYP, BDT, WST, TZS, KZT, TTD, MNT, TND, TRY, TMT, AED, UGX, COU, CLF, UYI, USD, USN, USS, UZS, VUV, CHE, CHW, KRW, YER, JPY, CNY, ZMW, ZWL, PLN
minLoanLimitMinorUnitsSmallest limit a loan on this product may carry.
Example 500000
maxLoanLimitMinorUnitsLargest limit a loan on this product may carry.
Example 500000
curl -X POST https://api.tst.au.apgpay.dev/loan-products \
-H "Authorization: Bearer $API_KEY" \
-H "Content-Type: application/json" \
-d '{
"type": "LprodCmdCreate",
"loanFacilityId": "lfac_9f2Kd8QpLzXw",
"description": "string",
"currency": "AUD",
"specification": {
"type": "LprodSpecRealtimeSettlement",
"variableFee": 12.5
}
}'Responses
The response is a tagged shape: type is always "LprodCreateRspAttributes". Switch on it; subtypes can be added, and a client that already reads it will not break.
typetype = "LprodCreateRspAttributes"The resource that was created.
typeenumrequiredLprodViewAttributesloanProductIdLprodIdrequiredIdentifier of a loan product.
Example lprod_9f2Kd8QpLzXw
loanFacilityIdLfacIdrequiredIdentifier of a loan facility.
Example lfac_9f2Kd8QpLzXw
enterpriseIdEntIdrequiredThe enterprise that owns this product.
Example ent_9f2Kd8QpLzXw
descriptionstringrequiredcurrencyIsoCurrencyrequiredAFNDZDARSAMDAWGAUDAZNBSDBHDTHB+156 moreShow fewer
PAB, BBD, BYR, BZD, BMD, VEF, BOB, BRL, BND, BGN, BIF, CAD, CVE, KYD, XOF, XAF, XPF, CLP, COP, KMF, CDF, BAM, NIO, CRC, HRK, CUP, CZK, GMD, DKK, MKD, DJF, STD, DOP, VND, XCD, EGP, SVC, ETB, EUR, FKP, FJD, HUF, GHS, GIP, HTG, PYG, GNF, GYD, HKD, UAH, ISK, INR, IRR, IQD, JMD, JOD, KES, PGK, LAK, KWD, MWK, AOA, MMK, GEL, LBP, ALL, HNL, SLL, LRD, LYD, SZL, LSL, MGA, MYR, MUR, MXN, MXV, MDL, MAD, MZN, BOV, NGN, ERN, NAD, NPR, ANG, ILS, TWD, NZD, BTN, KPW, NOK, PEN, MRU, PKR, MOP, TOP, CUC, UYU, PHP, GBP, BWP, QAR, GTQ, ZAR, OMR, KHR, RON, MVR, IDR, RUB, RWF, SHP, SAR, RSD, SCR, SGD, SBD, KGS, SOS, TJS, SSP, LKR, SDG, SRD, SEK, CHF, SYP, BDT, WST, TZS, KZT, TTD, MNT, TND, TRY, TMT, AED, UGX, COU, CLF, UYI, USD, USN, USS, UZS, VUV, CHE, CHW, KRW, YER, JPY, CNY, ZMW, ZWL, PLN
statusLprodStatusrequiredEnabledDisabledUnknownproductTypeLprodTyperequiredWhich kind of product this is. The same distinction specification carries, as a value you can filter on.
RealtimeSettlementTradingAccountUnknowntypeFunds a merchant's settlement in real time, charging a rate on the payments it settles.
variableFeenumberrequiredCharged on payments that use the real-time settlement service, as a decimal.
Example 12.5
A revolving trading account a customer draws against and repays on statement.
allowCreditBasedRepaymentsbooleanrequiredWhether credit may be used to pay this loan off.
Example true
typeA statement each day. Carries no issue day, because every day is one.
A statement each day. Carries no issue day, because every day is one.
A statement every second week, issued on this day of the week.
issueDayOfWeekLprodDayOfWeekrequiredMondayTuesdayWednesdayThursdayFridayUnknownA statement each month, issued on this day of the month.
issueDayOfMonthinteger (int32)requiredExample 6
A statement each week, issued on this day of the week.
issueDayOfWeekLprodDayOfWeekrequiredMondayTuesdayWednesdayThursdayFridayUnknowndefaultGraceDaysinteger (int32)requiredDays between a statement being issued and falling due.
Example 1250
The fees charged to a customer on this product.
typeenumrequiredLprodCustomerFeesAttributescurrencyIsoCurrencyrequiredAFNDZDARSAMDAWGAUDAZNBSDBHDTHB+156 moreShow fewer
PAB, BBD, BYR, BZD, BMD, VEF, BOB, BRL, BND, BGN, BIF, CAD, CVE, KYD, XOF, XAF, XPF, CLP, COP, KMF, CDF, BAM, NIO, CRC, HRK, CUP, CZK, GMD, DKK, MKD, DJF, STD, DOP, VND, XCD, EGP, SVC, ETB, EUR, FKP, FJD, HUF, GHS, GIP, HTG, PYG, GNF, GYD, HKD, UAH, ISK, INR, IRR, IQD, JMD, JOD, KES, PGK, LAK, KWD, MWK, AOA, MMK, GEL, LBP, ALL, HNL, SLL, LRD, LYD, SZL, LSL, MGA, MYR, MUR, MXN, MXV, MDL, MAD, MZN, BOV, NGN, ERN, NAD, NPR, ANG, ILS, TWD, NZD, BTN, KPW, NOK, PEN, MRU, PKR, MOP, TOP, CUC, UYU, PHP, GBP, BWP, QAR, GTQ, ZAR, OMR, KHR, RON, MVR, IDR, RUB, RWF, SHP, SAR, RSD, SCR, SGD, SBD, KGS, SOS, TJS, SSP, LKR, SDG, SRD, SEK, CHF, SYP, BDT, WST, TZS, KZT, TTD, MNT, TND, TRY, TMT, AED, UGX, COU, CLF, UYI, USD, USN, USS, UZS, VUV, CHE, CHW, KRW, YER, JPY, CNY, ZMW, ZWL, PLN
annualFixedFeeMinorUnitsrequiredCharged to the account annually.
Example 1250
implementationFixedFeeMinorUnitsCharged once, when the loan is established.
Example 1250
extendedPaymentTermsVariableFeenumberCharged on each statement for extended payment terms, on the charges since the last one, as a decimal, 0.01 is 1%.
Example 12.5
Charged on each statement for every earlier statement left overdue. Absent, a loan update keeps the late fee the loan has and a new loan takes its product's; a monthlyRate and minimumFee of 0 charge no late fee.
typeenumrequiredLprodLatePaymentFeeAttributesmonthlyRatenumberrequiredThe monthly rate, as a decimal, 0.02 is 2% a month.
Example 0.9412
minimumFeeMinorUnitsrequiredThe least fee charged for an overdue statement on a statement run.
Example 1250
graceDaysinteger (int32)requiredDays after a statement falls due it may be paid without a late fee.
Example 1250
customerTransactionVariableFeenumberCharged on each statement for its payment terms, on the charges since the last one, as a decimal up to 0.1, 0.01 is 1%. Absent, a loan update keeps the fee the loan has and a new loan takes its product's; 0 charges no fee.
Example 12.5
originationVariableFeenumberrequiredCharged on origination, as a decimal.
Example 12.5
The limits loans on this product are written within.
typeenumrequiredLprodLimitsAttributescurrencyIsoCurrencyrequiredAFNDZDARSAMDAWGAUDAZNBSDBHDTHB+156 moreShow fewer
PAB, BBD, BYR, BZD, BMD, VEF, BOB, BRL, BND, BGN, BIF, CAD, CVE, KYD, XOF, XAF, XPF, CLP, COP, KMF, CDF, BAM, NIO, CRC, HRK, CUP, CZK, GMD, DKK, MKD, DJF, STD, DOP, VND, XCD, EGP, SVC, ETB, EUR, FKP, FJD, HUF, GHS, GIP, HTG, PYG, GNF, GYD, HKD, UAH, ISK, INR, IRR, IQD, JMD, JOD, KES, PGK, LAK, KWD, MWK, AOA, MMK, GEL, LBP, ALL, HNL, SLL, LRD, LYD, SZL, LSL, MGA, MYR, MUR, MXN, MXV, MDL, MAD, MZN, BOV, NGN, ERN, NAD, NPR, ANG, ILS, TWD, NZD, BTN, KPW, NOK, PEN, MRU, PKR, MOP, TOP, CUC, UYU, PHP, GBP, BWP, QAR, GTQ, ZAR, OMR, KHR, RON, MVR, IDR, RUB, RWF, SHP, SAR, RSD, SCR, SGD, SBD, KGS, SOS, TJS, SSP, LKR, SDG, SRD, SEK, CHF, SYP, BDT, WST, TZS, KZT, TTD, MNT, TND, TRY, TMT, AED, UGX, COU, CLF, UYI, USD, USN, USS, UZS, VUV, CHE, CHW, KRW, YER, JPY, CNY, ZMW, ZWL, PLN
minLoanLimitMinorUnitsSmallest limit a loan on this product may carry.
Example 500000
maxLoanLimitMinorUnitsLargest limit a loan on this product may carry.
Example 500000
createdAtstring (date-time)requiredExample 2026-08-19T04:21:07Z
updatedAtstring (date-time)requiredExample 2026-08-19T04:21:07Z
{
"type": "LprodCreateRspAttributes",
"created": {
"type": "LprodViewAttributes",
"loanProductId": "lprod_9f2Kd8QpLzXw",
"loanFacilityId": "lfac_9f2Kd8QpLzXw",
"enterpriseId": "ent_9f2Kd8QpLzXw",
"description": "string",
"currency": "AUD",
"status": "Enabled",
"productType": "RealtimeSettlement",
"specification": {
"type": "LprodSpecRealtimeSettlement",
"variableFee": 12.5
},
"createdAt": "2026-08-19T04:21:07Z",
"updatedAt": "2026-08-19T04:21:07Z"
}
}Error responses
statusCodeinteger (int32)requiredHTTP status code for this error
errorCodestringrequiredAn APG Pay code providing a brief explanation of the underlying error. Use this if you wish to provide custom behaviour based on the error type.
messagestringrequiredHuman readable description of the error
tracerstringAn unique identifier for the request. Provide this to the support team if you wish to query a particular error.
detailstringOptional additional details for the error.
errorTypeDescriptionstringA description of the category of errors for the given statusCode.
metadataobjectOptional key value list of metadata
{
"statusCode": 100,
"errorCode": "string",
"message": "string",
"tracer": "string",
"detail": "string",
"errorTypeDescription": "string"
}statusCodeinteger (int32)requiredHTTP status code for this error
errorCodestringrequiredAn APG Pay code providing a brief explanation of the underlying error. Use this if you wish to provide custom behaviour based on the error type.
messagestringrequiredHuman readable description of the error
tracerstringAn unique identifier for the request. Provide this to the support team if you wish to query a particular error.
detailstringOptional additional details for the error.
errorTypeDescriptionstringA description of the category of errors for the given statusCode.
metadataobjectOptional key value list of metadata
{
"statusCode": 100,
"errorCode": "string",
"message": "string",
"tracer": "string",
"detail": "string",
"errorTypeDescription": "string"
}statusCodeinteger (int32)requiredHTTP status code for this error
errorCodestringrequiredAn APG Pay code providing a brief explanation of the underlying error. Use this if you wish to provide custom behaviour based on the error type.
messagestringrequiredHuman readable description of the error
tracerstringAn unique identifier for the request. Provide this to the support team if you wish to query a particular error.
detailstringOptional additional details for the error.
errorTypeDescriptionstringA description of the category of errors for the given statusCode.
metadataobjectOptional key value list of metadata
{
"statusCode": 100,
"errorCode": "string",
"message": "string",
"tracer": "string",
"detail": "string",
"errorTypeDescription": "string"
}statusCodeinteger (int32)requiredHTTP status code for this error
errorCodestringrequiredAn APG Pay code providing a brief explanation of the underlying error. Use this if you wish to provide custom behaviour based on the error type.
messagestringrequiredHuman readable description of the error
tracerstringAn unique identifier for the request. Provide this to the support team if you wish to query a particular error.
detailstringOptional additional details for the error.
errorTypeDescriptionstringA description of the category of errors for the given statusCode.
metadataobjectOptional key value list of metadata
{
"statusCode": 100,
"errorCode": "string",
"message": "string",
"tracer": "string",
"detail": "string",
"errorTypeDescription": "string"
}statusCodeinteger (int32)requiredHTTP status code for this error
errorCodestringrequiredAn APG Pay code providing a brief explanation of the underlying error. Use this if you wish to provide custom behaviour based on the error type.
messagestringrequiredHuman readable description of the error
tracerstringAn unique identifier for the request. Provide this to the support team if you wish to query a particular error.
detailstringOptional additional details for the error.
errorTypeDescriptionstringA description of the category of errors for the given statusCode.
metadataobjectOptional key value list of metadata
{
"statusCode": 100,
"errorCode": "string",
"message": "string",
"tracer": "string",
"detail": "string",
"errorTypeDescription": "string"
}statusCodeinteger (int32)requiredHTTP status code for this error
errorCodestringrequiredAn APG Pay code providing a brief explanation of the underlying error. Use this if you wish to provide custom behaviour based on the error type.
messagestringrequiredHuman readable description of the error
tracerstringAn unique identifier for the request. Provide this to the support team if you wish to query a particular error.
detailstringOptional additional details for the error.
errorTypeDescriptionstringA description of the category of errors for the given statusCode.
metadataobjectOptional key value list of metadata
{
"statusCode": 100,
"errorCode": "string",
"message": "string",
"tracer": "string",
"detail": "string",
"errorTypeDescription": "string"
}statusCodeinteger (int32)requiredHTTP status code for this error
errorCodestringrequiredAn APG Pay code providing a brief explanation of the underlying error. Use this if you wish to provide custom behaviour based on the error type.
messagestringrequiredHuman readable description of the error
tracerstringAn unique identifier for the request. Provide this to the support team if you wish to query a particular error.
detailstringOptional additional details for the error.
errorTypeDescriptionstringA description of the category of errors for the given statusCode.
metadataobjectOptional key value list of metadata
{
"statusCode": 100,
"errorCode": "string",
"message": "string",
"tracer": "string",
"detail": "string",
"errorTypeDescription": "string"
}statusCodeinteger (int32)requiredHTTP status code for this error
errorCodestringrequiredAn APG Pay code providing a brief explanation of the underlying error. Use this if you wish to provide custom behaviour based on the error type.
messagestringrequiredHuman readable description of the error
tracerstringAn unique identifier for the request. Provide this to the support team if you wish to query a particular error.
detailstringOptional additional details for the error.
errorTypeDescriptionstringA description of the category of errors for the given statusCode.
metadataobjectOptional key value list of metadata
{
"statusCode": 100,
"errorCode": "string",
"message": "string",
"tracer": "string",
"detail": "string",
"errorTypeDescription": "string"
}statusCodeinteger (int32)requiredHTTP status code for this error
errorCodestringrequiredAn APG Pay code providing a brief explanation of the underlying error. Use this if you wish to provide custom behaviour based on the error type.
messagestringrequiredHuman readable description of the error
tracerstringAn unique identifier for the request. Provide this to the support team if you wish to query a particular error.
detailstringOptional additional details for the error.
errorTypeDescriptionstringA description of the category of errors for the given statusCode.
metadataobjectOptional key value list of metadata
{
"statusCode": 100,
"errorCode": "string",
"message": "string",
"tracer": "string",
"detail": "string",
"errorTypeDescription": "string"
}statusCodeinteger (int32)requiredHTTP status code for this error
errorCodestringrequiredAn APG Pay code providing a brief explanation of the underlying error. Use this if you wish to provide custom behaviour based on the error type.
messagestringrequiredHuman readable description of the error
tracerstringAn unique identifier for the request. Provide this to the support team if you wish to query a particular error.
detailstringOptional additional details for the error.
errorTypeDescriptionstringA description of the category of errors for the given statusCode.
metadataobjectOptional key value list of metadata
{
"statusCode": 100,
"errorCode": "string",
"message": "string",
"tracer": "string",
"detail": "string",
"errorTypeDescription": "string"
}statusCodeinteger (int32)requiredHTTP status code for this error
errorCodestringrequiredAn APG Pay code providing a brief explanation of the underlying error. Use this if you wish to provide custom behaviour based on the error type.
messagestringrequiredHuman readable description of the error
tracerstringAn unique identifier for the request. Provide this to the support team if you wish to query a particular error.
detailstringOptional additional details for the error.
errorTypeDescriptionstringA description of the category of errors for the given statusCode.
metadataobjectOptional key value list of metadata
{
"statusCode": 100,
"errorCode": "string",
"message": "string",
"tracer": "string",
"detail": "string",
"errorTypeDescription": "string"
}statusCodeinteger (int32)requiredHTTP status code for this error
errorCodestringrequiredAn APG Pay code providing a brief explanation of the underlying error. Use this if you wish to provide custom behaviour based on the error type.
messagestringrequiredHuman readable description of the error
tracerstringAn unique identifier for the request. Provide this to the support team if you wish to query a particular error.
detailstringOptional additional details for the error.
errorTypeDescriptionstringA description of the category of errors for the given statusCode.
metadataobjectOptional key value list of metadata
{
"statusCode": 100,
"errorCode": "string",
"message": "string",
"tracer": "string",
"detail": "string",
"errorTypeDescription": "string"
}