Eligibility Check
Accessing merchant transaction data
Once live, you have access to anonymized, aggregated transaction data. This surface is read-only.
Daily anonymized transaction manifest. A daily snapshot of merchant transaction data, scoped to merchants in your approved segment. The endpoint returns a list of signed URLs pointing to .parquet files. Each parquet file contains one row per transaction with the following columns:
| Column | Description |
|---|---|
| id | Unique transaction ID |
| amount | Settled transaction amount (centavos) |
| masked_pan | Masked card PAN or payment method token |
| partner_mid | Merchant account ID — see note below |
| provider_transaction_id | Upstream payment provider reference |
| transaction_type | Payment method or transaction type |
| refund_amount | Refund amount applied against this transaction (centavos) |
partner_mid is the merchant's PayMongo account ID. This is the same value you supply as id when inviting accounts to an offer. Use partner_mid from your manifest analysis to identify and target specific merchants in the origination step.
curl https://api.paymongo.com/v1/capitals/lenders/anonymized-transactions/{date}/manifestReplace {date} with an ISO date (e.g. 2026-04-20). The manifest is available the day after the settlement date.
Monitoring loans and repayments (post-approval)
Once a lender approves an application and a loan is created, the lender can view the loan's outstanding amounts and repayment records. This includes outstanding principal, interest, and DST balances. Individual payer identities, card PANs, and customer-level PII are not exposed.
curl https://api.paymongo.com/v1/capitals/lenders/applicationscurl https://api.paymongo.com/v1/capitals/lenders/applications/{application_id} curl https://api.paymongo.com/v1/capitals/lenders/repaymentsData access is governed by PayMongo's Data Processing Addendum and the terms of your own partnership agreement. Misuse (profiling, marketing to merchants outside your program, sharing with third parties) is grounds for immediate suspension under the DPA, independent of any remedies available under your partnership agreement.
Updated about 4 hours ago