> For the complete documentation index, see [llms.txt](https://docs.lenderlink.ph/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.lenderlink.ph/product-guides/api-integration-guides/mega-api.md). # Mega API {% hint style="success" %} #### For fast and easy development please use our specially designed GitHub repository for coding LLMs {% endhint %} This API is used to deliver data responses for multiple products. It can deliver JSON containing the data from the APIs below: * [Full Response Consumer API Integration guide](/product-guides/api-integration-guides/full-response-consumer-api-integration-guide.md) * [Telco Score API](/product-guides/api-integration-guides/telco-score-api.md) * [Loan Applications Check API](/product-guides/api-integration-guides/loan-applications-check-api.md) * [Payment Transaction Data API](/product-guides/api-integration-guides/payment-transaction-data-api.md) * [Gen-1 LenderLink Network Score](/product-guides/lenderlink-network-score/gen-1-lenderlink-network-score.md) * [Gen-2 LenderLink Network Score](/product-guides/lenderlink-network-score/gen-2-lenderlink-network-score.md) ## Authentication Obtain a token via the [Authentication](/product-guides/api-integration-guides/authentication.md) procedure. ## Request Data ### Introduction This endpoint facilitates the generation of a borrower's full data available by their phone number. {% hint style="warning" %} Note: To utilize this endpoint, an access token is required. The procedure for obtaining one is detailed in the preceding section. {% endhint %} ### **Request Data Flow** #### **Option 1** POST API ``` https://sandbox-app.lenderlink.ph/api/v1/person/mega-report ``` Accepts a **raw JSON request body**.\ \ Clients must send `Content-Type: application/json` Authorization Use the generated token as Bearer access token and include it into the request. | Token | `eyJ0eXAiOiJKasd10sJhbGciOiJSUzI1NiJ9.eyJhdWQiOiI5YTc4MzVm...` | | ----- | -------------------------------------------------------------- | #### Request body (JSON) ```json { "requestId": "test-02f2-4933-88f3-a73c94e83487", "firstName": "John", "lastName": "Doe", "dateOfBirth": "1990-01-01", "idNumber": "ABC123456", "email": "john.doe@example.com", "cellphoneNumber": "63XXXXXXXXXX", "productIds": "FR,PT,CHA,TS" } ``` #### Live examples (Full Response) that can be tested on our sandbox. ```json { "requestId": "test-09ab-4933-88f3-a73c94e83401", "firstName": "John", "lastName": "Doe", "dateOfBirth": "1990-01-01", "idNumber": "ABC123456", "email": "john.doe@example.com", "cellphoneNumber": "639171230001", "productIds": "FR" }, { "requestId": "test-10bc-4933-88f3-a73c94e83402", "firstName": "Jane", "lastName": "Smith", "dateOfBirth": "1985-07-15", "idNumber": "XYZ987654", "email": "jane.smith@example.com", "cellphoneNumber": "639171230002", "productIds": "FR" }, { "requestId": "test-11cd-4933-88f3-a73c94e83403", "firstName": "Michael", "lastName": "Johnson", "dateOfBirth": "1978-12-30", "idNumber": "LMN456789", "email": "michael.johnson@example.com", "cellphoneNumber": "639171230003", "productIds": "FR" }, { "requestId": "test-12de-4933-88f3-a73c94e83404", "firstName": "Maria", "lastName": "Garcia", "dateOfBirth": "1992-04-20", "idNumber": "PQR123456", "email": "maria.garcia@example.com", "cellphoneNumber": "639171230004", "productIds": "FR" }, { "requestId": "test-13ef-4933-88f3-a73c94e83405", "firstName": "Wei", "lastName": "Chen", "dateOfBirth": "1980-10-05", "idNumber": "JKL789012", "email": "wei.chen@example.com", "cellphoneNumber": "639171230005", "productIds": "FR" }, { "requestId": "test-14f0-4933-88f3-a73c94e83406", "firstName": "Soo", "lastName": "Lee", "dateOfBirth": "1995-02-18", "idNumber": "QRS567890", "email": "soo.jin.lee@example.com", "cellphoneNumber": "639171230006", "productIds": "FR" }, { "requestId": "test-33a1-4933-88f3-a73c94e83407", "firstName": "Rojas", "lastName": "Smith", "dateOfBirth": "1990-07-01", "idNumber": "ABC123456", "email": "fernando@example.com", "cellphoneNumber": "639385208771", "productIds": "FR" }, { "requestId": "test-a1b2-4c3d-91e5-f67890123401", "firstName": "Ramon", "lastName": "Santos", "dateOfBirth": "1988-03-14", "idNumber": "PHL20230001", "email": "ramon.santos@gmail.com", "cellphoneNumber": "639171230007", "productIds": "FR" }, { "requestId": "test-b2c3-5d4e-82f6-a78901234502", "firstName": "Ana", "lastName": "Reyes", "dateOfBirth": "1993-11-22", "idNumber": "PHL20230002", "email": "ana.reyes@yahoo.com", "cellphoneNumber": "639171230008", "productIds": "FR" }, { "requestId": "test-c3d4-6e5f-73a7-b89012345603", "firstName": "Carlos", "lastName": "Torres", "dateOfBirth": "1975-08-09", "idNumber": "PHL20230003", "email": "carlos.torres@outlook.com", "cellphoneNumber": "639171230009", "productIds": "FR" }, { "requestId": "test-d4e5-7f6a-64b8-c90123456704", "firstName": "Lisa", "lastName": "Fernandez", "dateOfBirth": "1997-05-30", "idNumber": "PHL20230004", "email": "lisa.fernandez@email.com", "cellphoneNumber": "639171230010", "productIds": "FR" } { "requestId": "test-e5f6-8a7b-55c9-d01234567805", "firstName": "Pedro", "lastName": "Ramos", "dateOfBirth": "1986-09-17", "idNumber": "PHN20240011", "email": "pedro.ramos@gmail.com", "cellphoneNumber": "639171230011", "productIds": "FR" } ``` #### Option 2 GET API URL ``` https://sandbox-app.lenderlink.ph/api/v1/person/mega-report ``` Authorization Use the generated token as Bearer access token and include it into the request. | Token | `eyJ0eXAiOiJKasd10sJhbGciOiJSUzI1NiJ9.eyJhdWQiOiI5YTc4MzVm...` | | ----- | -------------------------------------------------------------- | * **Query Params**
ParameterTypeMandatoryDescription
requestIdStringYesUnique identification code generated by the client
firstNameStringYesFirst Name
lastNameStringYesLast Name
dateOfBirthDateYesDate of Birth - YYYY-MM-DD
cellphoneNumberStringYesBorrower's phone number, the format is 63XXXXXXXXXX.
emailStringNoBorrower's email address
idNumberStringNoBorrower's ID document number. ID, Driver license, etc
productIdsStringYesThe list of products that you are requesting data from. "FR", "PT", "TS", "LAC"
### 1. No match: ```json { "requestId": "X123-AB45", "productIds": [], "response": {} } ``` ### 2. Match {% stepper %} {% step %} ### You can use this interactive tool [https://dimohh.github.io/json/](https://dimohh.github.io/json/) to check what will the be the exact JSON you will receive if you include or exclude productIds. {% endstep %} {% step %} ### JSON structure ```json { "requestId": "X123-AB45", "productIds": [ "FR", "PT", "TS", "LAC" ], "response": { "FR": { "data": [ { "recordID": "123456789", "kycSurname": "Doe", "kycFirstName": "John", "kycMiddleName": "Smith", "kycDateOfBirth": "1990-01-01", "kycIdNumber": "ABC123456", "kycIdType": 4, "kycMobileNumber": "63XXXXXXXXXX", "kycEmailAddress": "john.doe@example.com", "kycAddress": "123 Main St, Anytown, USA", "loanInfoLoanType": 1, "loanInfoApplicationDate": "2022-01-01", "loanInfoOpenDate": "2022-01-01", "loanInfoLoanTerm": 5, "loanInfoOpenBalance": 10000, "loanInfoOutstandingBalance": 8000, "loanInfoNextDueDate": "2024-05-01", "loanInfoLastPaymentAmount": 200, "loanInfoLastPaymentDate": "2024-04-01", "loanInfoStatusCode": "Active", "loanInfoInstallmentAmount": 500, "loanInfoOverdueAmount": 100, "loanInfoRepaymentFrequency": 1, "loanInfoRepaymentHistory": "00000", "loanInfoRepaymentFullHistory": [ { "dueDate": "2022-02-01", "paymentDate": "2022-02-01", "paymentAmount": 500.00 }, { "dueDate": "2022-03-01", "paymentDate": "2022-03-01", "paymentAmount": 500.00 }, { "dueDate": "2022-04-01", "paymentDate": "2022-04-01", "paymentAmount": 500.00 }, { "dueDate": "2022-05-01", "paymentDate": "2022-05-01", "paymentAmount": 500.00 }, { "dueDate": "2022-06-01", "paymentDate": "2022-06-01", "paymentAmount": 500.00 } ], "loanInfoCloseDate": "2023-12-28", "loanInfoLenderType": "fintech", "contributorId": "12d3ae45-678d-9ae1-2345-6e789e3xx000", "matchedKeys": [ "cellphoneNumber", "email", "firstName-lastName-dateOfBirth", "idNumber" ], "matchedKeyCount": 4 } ], "summary": { "numApp": 1, "numAcc": 1, "numReqSameDay": 3, "wasDpd30Ever": 1, "wasDpd90Ever": 0, "wasDpd30Last3Months": 0, "wasDpd90Last3Months": 0, "wasDpd30LastYear": 0, "wasDpd90LastYear": 0, "numActiveLoan": 1, "numClosedLoans": 2, "numCollectionLoans": 0, "numDelayedLoans": 0, "numIncompleteLoans": 0, "numNotDisbLoans": 0, "numRejectedLoans": 2, "numWrittenoffLoans": 0, "minOpenBalance": 500, "maxOpenBalance": 3000, "sumOpenBalance": 4500, "avgOpenBalance": 1500, "minOutstanding": 3360, "maxOutstanding": 3360, "sumOutstanding": 3360, "avgOutstanding": 3360, "minLastPayment": 0, "maxLastPayment": 1000, "sumLastPayment": 1674, "avgLastPayment": 837, "minInstallment": 0, "maxInstallment": 3360, "sumInstallment": 4360, "avgInstallment": 1453.33, "minOverdue": 0, "maxOverdue": 0, "sumOverdue": 0, "avgOverdue": 0, "minLoanTerm": 0, "maxLoanTerm": 1, "avgLoanTerm": 1, "avgOpenBalancePerLoan": 1500, "avgOutstandingPerLoan": 1120, "ratioDisbAppl": 0.6, "ratioOutstandingOpenbalance": 0.75, "ratioOverdueInstallment": 0, "avgUtilizationRate": 2.24, "maxUtilizationRate": 1.12, "paymentToOutstandingRatio": 0.5, "avgPaymentToInstallmentRatio": 0.58, "highOutstandingFlag": 0, "veryHighOutstandingFlag": 0, "overdueFlag": 0, "highOverdueFlag": 0, "openRange": 2500, "balanceVolatilityProxy": 1.67, "outstandingRange": 0, "outstandingVolatilityProxy": 0, "installmentRange": 3360, "installmentVolatilityProxy": 2.31, "outstandingToOpenTrendProxy": 0, "overdueTrendProxy": 0, "loanTermTrendProxy": 0, "avgApplDays": 8, "daysSinceLastApplication": 1, "daysSinceLastReject": 1, "numRecordsLast10Days": 4, "numRecordsLast30Days": 4, "numRecordsLast60Days": 5, "numRecordsLast90Days": 5, "numRecordsLast180Days": 5, "maxRecWeek": 2, "minDaysApp": 1, "maxDaysApp": 32, "isFrequentApplicant": 1, "isMediumFreqApplicant": 0, "isInfrequentApplicant": 0, "applicationFrequencyTrend": 0.13, "numDistContr": 3, "shareBiggestContr": 0.4, "numDistIdNum": 1, "numDistIdType": 1, "numDistPhones": 1, "numDistEmail": 1, "numDistNames": 2, "closedRate": 0.4, "activeRate": 0.2, "delayedRate": 0, "collectionRate": 0, "writtenoffRate": 0, "rejectRate": 0.4, "notDisbRate": 0, "incompleteRate": 0, "noHistPerf": 0, "hasBadHistory": 0, "hasCleanClosedHistory": 1, "badToGoodRatio": 0, "age": 28, "numDistLoanType": 2, "numPaydayLoans": 2, "numPosLoans": 0, "numCashLoans": 0, "numRevLoans": 1, "numCCLoans": 0, "numAutoLoans": 0, "numMotoLoans": 0, "numHomeLoans": 0 }, "scores": { "CS": { "score": 540, "band": 9 } } }, "PT": { "transactionCount": 4, "minAmount": 1985, "maxAmount": 6656, "aveAmount": 3531.5, "sumAmount": 14126, "stdDev": 1839.28, "refDates": [ "2025-03-19", "2025-04-30", "2025-05-10", "2025-05-18" ], "refDateDetails": [ { "refDate": "2025-03-19", "count": 1, "total": 6656 }, { "refDate": "2025-05-18", "count": 1, "total": 2485 }, { "refDate": "2025-04-30", "count": 1, "total": 1985 }, { "refDate": "2025-05-10", "count": 1, "total": 3000 } ], "categories": [ "Loans" ], "procIds": [ "GCSH" ], "within1to30Days": [], "within31to60Days": [], "beyond61Days": [ { "category": "Loans", "transactionCount": 4, "minAmount": 1985, "maxAmount": 6656, "sumAmount": 14126, "stdDev": 1839.28 } ], "matchKey": "cellphoneNumber" }, "TS": { "transactionId": "f2279c3df6eb4368a8ec31c0ca561c8a", "code": "0000", "result": "ok", "scores": { "G": [ ["score", 337], ["band", 1] ] } }, "LAC": { "result": "ok", "code": "0000", "transactionId": "c14432247a694546bdd11abf156c2161", "scores": { "CVSCR2": { "cvScore": { "score": 501, "band": 3 }, "cvTotals": { "reqTotal1": 0, "unqEntities1": 0, "reqOthers1": 0, "reqBnpl1": 0, "reqPos1": 0, "reqDigiLoan1": 0, "reqDigiBank1": 0, "reqCashLoan1": 0, "reqAuto1": 0, "reqBank1": 0, "reqDigiBnpl1": 0, "reqTotal7": 0, "unqEntities7": 0, "reqOthers7": 0, "reqBnpl7": 0, "reqPos7": 0, "reqDigiLoan7": 0, "reqDigiBank7": 0, "reqCashLoan7": 0, "reqAuto7": 0, "reqBank7": 0, "reqDigiBnpl7": 0, "reqTotal14": 0, "unqEntities14": 0, "reqOthers14": 0, "reqBnpl14": 0, "reqPos14": 0, "reqDigiLoan14": 0, "reqDigiBank14": 0, "reqCashLoan14": 0, "reqAuto14": 0, 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