Submit sales data for credit scoring

POST

https://api.opensylo.com/api/v1/marketplace-api/merchants/{ref}/sales-data

Secret-key variant of the data-ingestion endpoint -- same payload as
POST /api/marketplace/data/merchant, but asynchronous: the
response acknowledges receipt and scoring completes in the background
(typically within ~5 minutes). Poll GET /merchants/{ref} for a
populated creditScore.

The first successful ingestion transitions the marketplace connection
from PENDING to ACTIVE. A credit score is a prerequisite for
funding-request fulfillment.

Request

Authorization

API Key

Add parameter in header

X-OpenSylo-Secret-Key

Example:

X-OpenSylo-Secret-Key: ********************

Path Params

Body Params application/jsonRequired

Examples

Responses

🟢200OK

application/json

Data accepted for asynchronous scoring.

Bodyapplication/json

🟠404Record Not Found

Request Example

Shell

JavaScript

Java

Swift

curl --location 'https://api.opensylo.com/api/v1/marketplace-api/merchants/mkt_merchant_8421/sales-data' \
--header 'X-OpenSylo-Secret-Key: <api-key>' \
--header 'Content-Type: application/json' \
--data '{
    "merchantIdentity": {
        "merchantId": "PLT_MERCH_001",
        "businessName": "Adebayo Electronics Limited",
        "businessType": "INDIVIDUAL",
        "marketplaceOnboardingDate": "2023-06-15T00:00:00.000Z",
        "verificationStatus": true,
        "location": "Lagos, Nigeria",
        "country": "NG",
        "category": "Electronics & Gadgets"
    },
    "salesPerformance": {
        "gmv30Days": 4500000,
        "gmv90Days": 12500000,
        "gmv180Days": 24000000,
        "avgMonthlySales": 4000000,
        "orderCount": 320,
        "avgOrderValue": 14062.5,
        "salesGrowthRate": 8.5
    },
    "revenueConsistency": {
        "monthlySalesVariance": 0.15,
        "zeroSalesMonths": 0,
        "longestSalesStreak": 12,
        "revenueConcentration": 25
    },
    "fulfillmentMetrics": {
        "fulfillmentRate": 96.5,
        "cancellationRate": 2.1,
        "refundRate": 1.8,
        "refundAmount": 432000,
        "disputeRate": 0.5,
        "lateDeliveryRate": 3.2
    },
    "payoutCashFlow": {
        "payoutFrequency": "DAILY",
        "avgPayoutValue": 1125000,
        "failedPayouts": 0,
        "walletBalanceUsage": 50000,
        "settlementDelays": 0
    },
    "platformDependency": {
        "topProductGmvPercentage": 15,
        "topCustomerPercentage": 8
    },
    "historicalCredit": {
        "previousAdvances": 2,
        "repaymentRate": 100,
        "daysPastDue": 0,
        "hasDefaults": false,
        "earlyRepayments": 1
    },
    "behavioralRisk": {
        "accountSuspensions": 0,
        "policyViolationsSeverity": null,
        "hasFraudFlags": false,
        "hasSuddenGmvSpikes": false,
        "hasLinkedAccounts": false
    },
    "monthlySalesHistory": [
        {
            "gmv": 4200000,
            "orderCount": 310,
            "monthLabel": "2025-11"
        },
        {
            "gmv": 4200000,
            "orderCount": 310,
            "monthLabel": "2025-11"
        },
        {
            "gmv": 4200000,
            "orderCount": 310,
            "monthLabel": "2025-11"
        },
        {
            "gmv": 4200000,
            "orderCount": 310,
            "monthLabel": "2025-11"
        },
        {
            "gmv": 4200000,
            "orderCount": 310,
            "monthLabel": "2025-11"
        },
        {
            "gmv": 4200000,
            "orderCount": 310,
            "monthLabel": "2025-11"
        }
    ],
    "marketplaceId": "mkt_live_abc123def456",
    "dataTimestamp": "2026-04-07T10:00:00.000Z",
    "correlationId": "corr_20260407_batch_001"
}'

Response Example

200 - Success Example

{
    "accepted": true,
    "status": "processing",
    "merchantId": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
    "thirdPartyCustomerId": "mkt_merchant_8421",
    "submittedAt": "2026-06-10T10:00:00.123Z"
}

Modified at 2026-06-10 14:59:36

Submit KYC for review

Create a funding request