Submit single merchant data

POST

/marketplace/data/merchant

Submit merchant performance data for credit scoring. The merchant ID is enforced from the OAuth token — you can only submit data for the merchant who consented. Returns the calculated credit score.

Required scope: data.share.sales

Request

Authorization

Bearer Token

Provide your bearer token in the

Authorization

header when making requests to protected resources.

Example:

Authorization: Bearer ********************

Body Params application/jsonRequired

Examples

Responses

🟢200

application/json

Data processed, credit score returned

Body

🟠400

🟠401

Request Example

Shell

JavaScript

Java

Swift

curl --location --request POST 'https://api.opensylo.com/marketplace/data/merchant' \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data-raw '{
    "merchantIdentity": {
        "merchantId": "your_internal_merchant_id",
        "businessName": "Yakoyo Foods Ltd",
        "businessType": "REGISTERED_BUSINESS",
        "marketplaceOnboardingDate": "2023-06-15T00:00:00.000Z",
        "verificationStatus": true,
        "location": "Lagos, Nigeria",
        "country": "Nigeria",
        "category": "food_beverages"
    },
    "salesPerformance": {
        "gmv30Days": 2500000,
        "gmv90Days": 8200000,
        "gmv180Days": 18500000,
        "avgMonthlySales": 3100000,
        "orderCount": 456,
        "avgOrderValue": 6800,
        "salesGrowthRate": 15.5
    },
    "revenueConsistency": {
        "monthlySalesVariance": 12.5,
        "zeroSalesMonths": 0,
        "longestSalesStreak": 18,
        "revenueConcentration": 35.2
    },
    "fulfillmentMetrics": {
        "fulfillmentRate": 97.8,
        "cancellationRate": 2.1,
        "refundRate": 1.5,
        "refundAmount": 45000,
        "disputeRate": 0.8,
        "lateDeliveryRate": 3.2
    },
    "payoutCashFlow": {
        "payoutFrequency": "WEEKLY",
        "avgPayoutValue": 775000,
        "failedPayouts": 0,
        "walletBalanceUsage": 125000,
        "settlementDelays": 0
    },
    "platformDependency": {
        "topProductGmvPercentage": 28.5,
        "topCustomerPercentage": 12.3
    },
    "historicalCredit": {
        "previousAdvances": 2,
        "repaymentRate": 100,
        "daysPastDue": 0,
        "hasDefaults": false,
        "earlyRepayments": 1
    },
    "behavioralRisk": {
        "accountSuspensions": 0,
        "policyViolationsSeverity": null,
        "hasFraudFlags": false,
        "hasSuddenGmvSpikes": false,
        "hasLinkedAccounts": false
    },
    "marketplaceId": "your_marketplace_id",
    "dataTimestamp": "2026-01-29T08:00:00.000Z",
    "correlationId": "corr_abc123"
}'

Response Example

200 - Success

{
    "success": true,
    "message": "Merchant data processed successfully",
    "transactionId": "txn_xyz789",
    "creditScore": {
        "totalScore": 78,
        "riskTier": "B",
        "maxLendingCap": 930000,
        "eligiblePercentage": 30,
        "scoreBreakdown": {
            "salesPerformance": 28,
            "revenueConsistency": 13,
            "fulfillmentOps": 14,
            "payoutCashFlow": 15,
            "stabilityTenure": 8,
            "riskBehavior": 0
        },
        "lendingImplication": "Standard cap",
        "calculatedAt": "2026-01-29T08:15:30.000Z",
        "recommendations": "Good credit profile. Standard lending terms apply."
    },
    "processedAt": "2026-01-29T08:15:30.000Z",
    "nextRefreshDate": "2026-01-30T02:00:00.000Z"
}

Modified at 2026-01-29 23:19:05

OAuth discovery / client metadata

Submit bulk merchant data