Credits pre-approved

Notifications of new credit leads

With the leads credits topic you will be able to subscribe and start receiving notifications about new credit leads generated in your publications, it will allow you to recognize a new credit created in Meli at the moment of its creation.

Consult available credits for the seller's items

Now, the seller can consult all the credits available for his negotiations, with the possibility of paginating them with the offset parameter and with a maximum limit of 100 items per page. The data will be available within a maximum consultation period of 3 months.

To obtain test data, use the header 'x-sandbox: true'

Request:

curl -X GET -H 'Authorization: Bearer $ACCESS_TOKEN' https://api.mercadolibre.com/vis/loans/search?seller_id=$SELLER_ID&date_from=AAAA-MM-DDTHH:MM:SS&date_to=AAAA-MM-DDTHH:MM:SS

Example:

curl -X GET -H 'Authorization: Bearer $ACCESS_TOKEN' https://api.mercadolibre.com/vis/loans/search?seller_id=707775316&date_from=2020-12-10T00:00:00&date_to=2021-01-01T00:00:00

Response:

{
  "results": [{
    "id": "14b556e2-85dc-11eb-8436-2753cb1f9665",
    "item_id": "MLB5903538649",
    "down_payment_amount": 9012.0,
    "installments_number": 9,
    "installments_amount": 1001.0,
    "seller_id": 707775316,
    "buyer_id": 65979,
    "proposal_id": "40962",
    "date_created": "2020-12-19T14:00:59",
    "financial_entity_id": "VOTORANTIM",
    "expired": false
  }],
  "paging": {
    "offset": 0,
    "limit": 10,
    "total": 1
  },
  "date_from": "2020-12-10T00:00:00",
  "date_to": "2021-01-01T00:00:00"
}

Available parameters:
item_id
status: approved, rejected, in_analysis, all. If it is not added we will bring it approved by default.
financial_entity_id: MERCADO_CREDITO, VOTORANTIM, SANTANDER or SCOTIA.

Response fields

• ID: credit id.
• item_id: item id.
• down_payment_amount: credit entry amount.
• installments_number: number of installments.
• installments_amount: amount of the installment.
• seller_id: seller id.
• buyer_id: buyer id.
• proposal_id: only returns information when the financing entity makes it available.
• date_created: date of credit creation.
• financial_entity_id: id bank.
• expired: true or false.




Details of the available credit

Con el ID del crédito, puedes acceder a los detalles incluidos los datos de contacto del comprador.

With the credit ID, you can access the details including the buyer's contact details. 'x-sandbox: true'.

Request:

curl -X GET -H 'Authorization: Bearer $ACCESS_TOKEN' https://api.mercadolibre.com/vis/loans/$CREDIT_ID?seller_id=$SELLER_ID

Example:

curl -X GET -H 'Authorization: Bearer $ACCESS_TOKEN' https://api.mercadolibre.com/vis/loans/14b52fd8-85dc-11eb-8436-2753cb1f9665?seller_id=707775316

Response:

{
  "id": "14b52fd8-85dc-11eb-8436-2753cb1f9665",
  "item_id": "MLB3450596169",
  "down_payment_amount": 3575.0,
  "installments_number": 21,
  "installments_amount": 170.0,
  "seller_id": 707775316,
  "date_created": "2021-03-08T04:41:39",
  "financial_entity_id": "VOTORANTIM",
  "buyer": {
    "id": 7165,
    "full_name": "Natália Costa",
    "email": "Bernardo.Silva@example.com",
    "phone": "(46) 6501-4768"
  }
}

Response fields

• buyer.id: buyer's id.
• buyer.full_name: buyer's name.
• buyer.email: buyer's e-mail.
• buyer.phone: buyer's contact phone number.
• status: credit status.
• proposal_id: only returns information when the financing entity makes it available.




Possible errors

Errors in the search for credits:

Error_code	Tipe	Error message	Solution
401	Unauthorized	Unauthorized	Sin access token
400	Bad Request	"Value of seller_id parameter must match value obtained from auth token"	Access token does not belong to the seller
400	Bad Request	Invalid date_from format. It must follow ISO format	Invalid date format
400	Bad Request	Date range cannot exceed 3 months	Search period longer than 3 months
400	Bad Request	Invalid financial entity	Bank does not exist
400	Bad Request	item_id value must match M[A-Z]{2}[0-9]+$	item invalid





Errors in obtaining credit details:

Error_code	Tipe	Error message	Solution
401	Unauthorized	Unauthorized	No access token
400	Bad Request	Value of seller_id parameter must match value obtained from auth token	Access token does not belong to the seller.
400	Bad Request	id value must match [a-fA-F0-9]{8}-[a-fA-F0-9]{4}-[a-fA-F0-9]{4}-[a-fA-F0-9]{4}-[a-fA-F0-9]{12} like an uuid"	Invalid identifier
404	Not Found	Detail not found for credit with id	Credit does not exist
410	The resource is expired	Gone	Credit expired