/lending/v1/products

Crear producto

El endpoint lending/v1/products te permite crear un producto.

En este momento podrás definir las fechas de corte y vencimiento, los límites y disponibles, las tasas y comisiones, cómo se compone el pago mínimo y más.

  • Los productos se operan en una sola versión de la API. Si ya operás en v2, o si todavía no creaste productos y el primero es de México, usá lending/v2/products: en esos casos este endpoint responde 400.
  • El pricing inicial rige desde la fecha actual del país, así que pricing.start_date se ignora. Para programar un cambio posterior, usá POST lending/v1/products/{product_id}/pricing.

Parámetros disponibles

Variante:

Este endpoint acepta múltiples tipos de body. Seleccioná una variante para ver sus parámetros y ejemplo.

Cuerpo de solicitud
application/json
namestring
typeenum
statusenum
countryenum
start_datestringdate
end_datestringdate
grace_period_daysobject2 propiedades
credit_cardobject8 propiedades
pricingobject2 propiedades
available_balance_settingsenum
statementobject2 propiedades
refinancingobject2 propiedades
cancellationobject2 propiedades

Autenticación

🔒BearerAuthhttp

Detalle de respuestas

401
El token falta o es inválido. La respuesta no tiene cuerpo.
403
Sin cuerpo. El token es válido pero no tiene el scope que requiere el endpoint.

Ejemplo de solicitud
{
  "name": "Cartão Black",
  "type": "CREDIT_CARD",
  "status": "ACTIVE",
  "country": "BRA",
  "start_date": "2026-11-01",
  "end_date": "2030-12-31",
  "grace_period_days": {
    "pausing": 5,
    "interest_accrual": 10
  },
  "credit_card": {
    "max_allowed_installments": 12,
    "installments": [
      {
        "type": "MAX_ALLOWED",
        "value": 12
      }
    ],
    "limits": {
      "type": "PER_OPERATION",
      "single_payment": {
        "min": "1000.00",
        "max": "50000.00"
      },
      "installments": {
        "min": "1000.00",
        "max": "50000.00"
      },
      "cash_advance": {
        "min": "100.00",
        "max": "5000.00"
      },
      "financing": {
        "min": "1000.00",
        "max": "50000.00"
      }
    },
    "billing_cycle_config": {
      "allowed_due_dates": [
        5,
        10,
        15,
        20,
        25
      ],
      "minimum_days_between_closing_and_due_dates": 10,
      "minimum_days_until_first_closing_date": 15
    },
    "minimum_payment": 100,
    "minimum_payment_composition": {
      "revolving": 100,
      "cash_advances": 100,
      "financing": 100,
      "annuities": 100,
      "purchases": 15
    },
    "affinity_group_id": "afg-2HMvSzWjc5La6WDTlgFweXAmPle"
  },
  "pricing": {
    "rates": {
      "financing": "12.50",
      "late_fee": "2.00",
      "cash_advance": "15.00",
      "revolving": "14.90"
    },
    "fees": [
      {
        "name": "annual_fee",
        "amount": "250.00",
        "frequency": "YEARLY",
        "type": "FLAT"
      },
      {
        "name": "cash_advance_fee",
        "amount": "15.00",
        "frequency": "PER_OPERATION",
        "operation": "CASH_ADVANCE",
        "type": "FLAT"
      },
      {
        "name": "late_payment_fee",
        "amount": "2.00",
        "frequency": "USER_IN_ARREARS",
        "type": "RATE"
      }
    ]
  },
  "available_balance_settings": "EXTENDED",
  "statement": {
    "generate_pdf": true,
    "include_annual_legend": true
  },
  "refinancing": {
    "mandatory": {
      "enabled": true,
      "settings": {
        "type": "INCLUDE_CURRENT_DEBT",
        "installments": 12
      }
    },
    "manual": {
      "enabled": true,
      "type": "STACKING",
      "number_of_parallel_refinancing_to_apply": 2,
      "options": [
        {
          "quantity": 6,
          "rate": "1.50"
        },
        {
          "quantity": 12,
          "rate": "2.00"
        }
      ],
      "minimum_value_to_apply": "500.00"
    }
  },
  "cancellation": {
    "enabled": true,
    "delinquency_days_amount": 90
  }
}
Ejemplo de código
curl -X POST "https://api.pomelo.la/lending/v1/products" \
  -H "Content-Type: application/json" \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -d '{
  "name": "Cartão Black",
  "type": "CREDIT_CARD",
  "status": "ACTIVE",
  "country": "BRA",
  "start_date": "2026-11-01",
  "end_date": "2030-12-31",
  "grace_period_days": {
    "pausing": 5,
    "interest_accrual": 10
  },
  "credit_card": {
    "max_allowed_installments": 12,
    "installments": [
      {
        "type": "MAX_ALLOWED",
        "value": 12
      }
    ],
    "limits": {
      "type": "PER_OPERATION",
      "single_payment": {
        "min": "1000.00",
        "max": "50000.00"
      },
      "installments": {
        "min": "1000.00",
        "max": "50000.00"
      },
      "cash_advance": {
        "min": "100.00",
        "max": "5000.00"
      },
      "financing": {
        "min": "1000.00",
        "max": "50000.00"
      }
    },
    "billing_cycle_config": {
      "allowed_due_dates": [
        5,
        10,
        15,
        20,
        25
      ],
      "minimum_days_between_closing_and_due_dates": 10,
      "minimum_days_until_first_closing_date": 15
    },
    "minimum_payment": 100,
    "minimum_payment_composition": {
      "revolving": 100,
      "cash_advances": 100,
      "financing": 100,
      "annuities": 100,
      "purchases": 15
    },
    "affinity_group_id": "afg-2HMvSzWjc5La6WDTlgFweXAmPle"
  },
  "pricing": {
    "rates": {
      "financing": "12.50",
      "late_fee": "2.00",
      "cash_advance": "15.00",
      "revolving": "14.90"
    },
    "fees": [
      {
        "name": "annual_fee",
        "amount": "250.00",
        "frequency": "YEARLY",
        "type": "FLAT"
      },
      {
        "name": "cash_advance_fee",
        "amount": "15.00",
        "frequency": "PER_OPERATION",
        "operation": "CASH_ADVANCE",
        "type": "FLAT"
      },
      {
        "name": "late_payment_fee",
        "amount": "2.00",
        "frequency": "USER_IN_ARREARS",
        "type": "RATE"
      }
    ]
  },
  "available_balance_settings": "EXTENDED",
  "statement": {
    "generate_pdf": true,
    "include_annual_legend": true
  },
  "refinancing": {
    "mandatory": {
      "enabled": true,
      "settings": {
        "type": "INCLUDE_CURRENT_DEBT",
        "installments": 12
      }
    },
    "manual": {
      "enabled": true,
      "type": "STACKING",
      "number_of_parallel_refinancing_to_apply": 2,
      "options": [
        {
          "quantity": 6,
          "rate": "1.50"
        },
        {
          "quantity": 12,
          "rate": "2.00"
        }
      ],
      "minimum_value_to_apply": "500.00"
    }
  },
  "cancellation": {
    "enabled": true,
    "delinquency_days_amount": 90
  }
}'
Ejemplo de respuesta (201)Creado
{
  "data": {
    "id": "lpr-2HMvSzWjc5La6WDTlgFweXAmPle",
    "type": "CREDIT_CARD",
    "name": "Cartão Black",
    "status": "ACTIVE",
    "country": "BRA",
    "start_date": "2026-11-01",
    "end_date": "2030-12-31",
    "grace_period_days": {
      "pausing": 5,
      "interest_accrual": 10
    },
    "credit_card": {
      "max_allowed_installments": 12,
      "installments": [
        {
          "type": "MAX_ALLOWED",
          "value": 12
        }
      ],
      "limits": {
        "type": "PER_OPERATION",
        "single_payment": {
          "min": "1000.00",
          "max": "50000.00"
        },
        "installments": {
          "min": "1000.00",
          "max": "50000.00"
        },
        "cash_advance": {
          "min": "100.00",
          "max": "5000.00"
        },
        "financing": {
          "min": "1000.00",
          "max": "50000.00"
        }
      },
      "collateral": [],
      "billing_cycle_config": {
        "allowed_due_dates": [
          5,
          10,
          15,
          20,
          25
        ],
        "minimum_days_between_closing_and_due_dates": 10,
        "minimum_days_until_first_closing_date": 15
      },
      "minimum_payment": 100,
      "minimum_payment_composition": {
        "revolving": 100,
        "cash_advances": 100,
        "financing": 100,
        "annuities": 100,
        "purchases": 15
      },
      "affinity_group_id": "afg-2HMvSzWjc5La6WDTlgFweXAmPle"
    },
    "pricing": {
      "start_date": "2026-10-03",
      "rates": {
        "financing": "12.50",
        "late_fee": "2.00",
        "cash_advance": "15.00",
        "revolving": "14.90"
      },
      "fees": [
        {
          "name": "annual_fee",
          "amount": "250.00",
          "frequency": "YEARLY",
          "type": "FLAT"
        },
        {
          "name": "cash_advance_fee",
          "amount": "15.00",
          "frequency": "PER_OPERATION",
          "operation": "CASH_ADVANCE",
          "type": "FLAT"
        }
      ]
    },
    "available_balance_settings": "EXTENDED",
    "statement": {
      "generate_pdf": true,
      "include_annual_legend": true
    },
    "refinancing": {
      "mandatory": {
        "enabled": true,
        "settings": {
          "type": "INCLUDE_CURRENT_DEBT",
          "installments": 12
        }
      }
    },
    "cancellation": {
      "enabled": true,
      "delinquency_days_amount": 90
    }
  }
}

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