Submit single merchant data

POST

https://api.opensylo.com/api/marketplace/data/merchant

Submits performance data for a single merchant. OpenSylo calculates a credit
score synchronously and returns it in the response.

When monthlySalesHistory is provided (exactly 6 months, oldest to newest),
a loanEligibility result is also returned with the maximum eligible loan amount.

Security: The merchant is identified from the OAuth token. The
merchantIdentity.merchantId in the request body is stored as the
marketplace's internal platform merchant ID for reference.

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

🟢200OK

application/json

Merchant data processed and credit score calculated.

Bodyapplication/json

🟠400Bad Request

🟠401Unauthorized

Request Example

Shell

JavaScript

Java

Swift

curl --location 'https://api.opensylo.com/api/marketplace/data/merchant' \
--header 'Authorization: Bearer <token>' \
--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

{
    "success": true,
    "message": "Merchant data processed successfully",
    "transactionId": "txn_a1b2c3d4-e5f6-7890-abcd-ef1234567890",
    "creditScore": {
        "totalScore": 72.5,
        "riskTier": "B",
        "maxLendingCap": 2500000,
        "eligiblePercentage": 75,
        "scoreBreakdown": {
            "salesPerformance": 18.5,
            "revenueConsistency": 12,
            "fulfillmentOps": 14.5,
            "payoutCashFlow": 10,
            "stabilityTenure": 9.5,
            "riskBehavior": 8
        },
        "lendingImplication": "Moderate risk. Eligible for standard lending products.",
        "calculatedAt": "2026-04-07T10:30:00.000Z",
        "riskFlags": [],
        "recommendations": "Consider increasing fulfillment rate for better terms."
    },
    "processedAt": "2026-04-07T10:30:00.000Z",
    "nextRefreshDate": "2026-05-07T10:30:00.000Z",
    "loanEligibility": {
        "avgMonthlyGmv": 4500000,
        "avgMonthlyOrders": 320,
        "aov": 14062.5,
        "gmvTrendPercent": 8.5,
        "gmvVolatilityCov": 0.15,
        "monthlyRepaymentCapacity": 450000,
        "totalRepaymentCapacity": 2700000,
        "maxEligibleLoan": 2250000,
        "totalRepaymentForMaxLoan": 2700000,
        "monthlyRepaymentForMaxLoan": 450000,
        "policyParameters": {
            "repaymentRate": 0.1,
            "tenorMonths": 6,
            "monthlyInterestRate": 0.025
        },
        "calculatedAt": "2026-04-07T10:30:00.000Z"
    }
}

Modified at 2026-06-10 14:59:29

Discover OAuth capabilities

Submit bulk merchant data