Mega API
This API is used to deliver data responses for multiple products. It can deliver JSON containing the data from the APIs below:
Credit History Aggregated
Authentication
Obtain a token via the Authentication procedure.
Request Data
Introduction
This endpoint facilitates the generation of a borrower's full data available by their phone number.
Note:
To utilize this endpoint, an access token is required. The procedure for obtaining one is detailed in the preceding section.
Request Data Flow
GET API URL
https://sandbox-app.lenderlink.ph/api/v1/person/mega-reportAuthorization
Use the generated token as Bearer access token and include it into the request.
Token
eyJ0eXAiOiJKasd10sJhbGciOiJSUzI1NiJ9.eyJhdWQiOiI5YTc4MzVm...
Query Params
Parameter
Type
Mandatory
Description
requestId
String
Yes
Unique identification code generated by the client
firstName
String
Yes
First Name
lastName
String
Yes
Last Name
dateOfBirth
Date
Yes
Date of Birth - YYYY-MM-DD
cellphoneNumber
String
Yes
Borrower's phone number, the format is 63XXXXXXXXXX.
String
No
Borrower's email address
idNumber
String
No
Borrower's ID document number. ID, Driver license, etc
productIds
String
Yes
The list of products that you are requesting data from. "FR", "PT", "TS", "LR", "CHA", "LAC"
1. No match:
{
"requestId": "X123-AB45",
"productIds": [],
"response": {}
}
2. Match
1
You can use this interactive tool https://dimohh.github.io/json/ to check what will the be the exact JSON you will receive if you include or exclude productIds.
2
JSON structure
{
"requestId": "X123-AB45",
"productIds": [
"FR",
"PT",
"TS",
"LR",
"CHA",
"LAC"
],
"response": {
"FR": {
"data": [
{
"recordID": "123456789",
"kycSurname": "Doe",
"kycFirstName": "John",
"kycMiddleName": "Smith",
"kycDateOfBirth": "1990-01-01",
"kycIdNumber": "ABC123456",
"kycIdType": 4,
"kycMobileNumber": "63XXXXXXXXXX",
"kycEmailAddress": "[email protected]",
"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",
"loanInfoCloseDate": "2023-12-28",
"contributorId": "12d3ae45-678d-9ae1-2345-6e789e3xx000"
}
],
"summary": {
"numApp": 1,
"numAcc": 1,
"wasDpd30Ever": 1,
"wasDpd90Ever": 0,
"wasDpd30Last3Months": 0,
"wasDpd90Last3Months": 0,
"wasDpd30LastYear": 0,
"wasDpd90LastYear": 0
}
},
"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
]
]
}
},
"LR": {
"msisdn": "63XXXXXXXXXX",
"numApp": 1,
"numAcc": 1,
"wasDpd30Ever": 1,
"wasDpd90Ever": 0,
"wasDpd30Last3Months": 0,
"wasDpd90Last3Months": 0,
"wasDpd30LastYear": 0,
"wasDpd90LastYear": 0
},
"CHA": {
"document": null,
"phone": {
"wasAgr": 1,
"dpd30Ntb": 0,
"dpd90Ntb": 0,
"mmDocByPhone": null,
"mmAccByPhone": null,
"mmBdByPhone": null,
"sumApps1m": 0,
"sumApps3d": 0,
"uniqueAddDob": 1,
"uniqueAddAccount": 1,
"uniqueAddDoc": 1,
"diffDaysFapp": 2158,
"diffDaysLapp": 2060,
"hasApp": 1,
"wasDpd10LastYear": null,
"wasDpd10Last3Months": null,
"uniqueAddDocType": null,
"uniqueAddDobYear": 1,
"uniqueAddBank": null,
"uniqueAddEmail": 1,
"uniqueAddGuarantor": 1,
"uniqueAddType": 1,
"uniqueAddChannel": null,
"wasDpd10Ever": 1,
"suspiciousFlag": 0,
"indexCredibility": 4,
"getLoanLast3Month": 0,
"getLoanLastMonth": 0,
"getLoanLastYear": 0,
"uniqueAddAcquisitionChannels": 1,
"uniqueAddDocTypes": 1,
"uniqueAddWallet": 0,
"wasDpd10LastMonth": null,
"wasDpd30Ever": 1,
"wasDpd30Last3Months": null,
"wasDpd30LastMonth": null,
"wasDpd30LastYear": null,
"wasDpd90Ever": 0,
"wasDpd90Last3Months": null,
"wasDpd90LastMonth": null,
"wasDpd90LastYear": null
},
"email": null,
"phoneAsWallet": null,
"phoneAsGuarantor": null
},
"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,
"reqBank14": 0,
"reqDigiBnpl14": 0,
"reqTotal21": 0,
"unqEntities21": 0,
"reqOthers21": 0,
"reqBnpl21": 0,
"reqPos21": 0,
"reqDigiLoan21": 0,
"reqDigiBank21": 0,
"reqCashLoan21": 0,
"reqAuto21": 0,
"reqBank21": 0,
"reqDigiBnpl21": 0,
"reqTotal28": 0,
"unqEntities28": 0,
"reqOthers28": 0,
"reqBnpl28": 0,
"reqPos28": 0,
"reqDigiLoan28": 0,
"reqDigiBank28": 0,
"reqCashLoan28": 0,
"reqAuto28": 0,
"reqBank28": 0,
"reqDigiBnpl28": 0,
"reqTotal35": 0,
"unqEntities35": 0,
"reqOthers35": 0,
"reqBnpl35": 0,
"reqPos35": 0,
"reqDigiLoan35": 0,
"reqDigiBank35": 0,
"reqCashLoan35": 0,
"reqAuto35": 0,
"reqBank35": 0,
"reqDigiBnpl35": 0,
"reqTotal45": 0,
"unqEntities45": 0,
"reqOthers45": 0,
"reqBnpl45": 0,
"reqPos45": 0,
"reqDigiLoan45": 0,
"reqDigiBank45": 0,
"reqCashLoan45": 0,
"reqAuto45": 0,
"reqBank45": 0,
"reqDigiBnpl45": 0,
"reqTotal60": 0,
"unqEntities60": 0,
"reqOthers60": 0,
"reqBnpl60": 0,
"reqPos60": 0,
"reqDigiLoan60": 0,
"reqDigiBank60": 0,
"reqCashLoan60": 0,
"reqAuto60": 0,
"reqBank60": 0,
"reqDigiBnpl60": 0,
"reqTotal90": 0,
"unqEntities90": 0,
"reqOthers90": 0,
"reqBnpl90": 0,
"reqPos90": 0,
"reqDigiLoan90": 0,
"reqDigiBank90": 0,
"reqCashLoan90": 0,
"reqAuto90": 0,
"reqBank90": 0,
"reqDigiBnpl90": 0,
"reqTotal180": 0,
"unqEntities180": 0,
"reqOthers180": 0,
"reqBnpl180": 0,
"reqPos180": 0,
"reqDigiLoan180": 0,
"reqDigiBank180": 0,
"reqCashLoan180": 0,
"reqAuto180": 0,
"reqBank180": 0,
"reqDigiBnpl180": 0,
"reqTotal360": 0,
"unqEntities360": 0,
"reqOthers360": 0,
"reqBnpl360": 0,
"reqPos360": 0,
"reqDigiLoan360": 0,
"reqDigiBank360": 0,
"reqCashLoan360": 0,
"reqAuto360": 0,
"reqBank360": 0,
"reqDigiBnpl360": 0,
"reqTotal540": 0,
"unqEntities540": 0,
"reqOthers540": 0,
"reqBnpl540": 0,
"reqPos540": 0,
"reqDigiLoan540": 0,
"reqDigiBank540": 0,
"reqCashLoan540": 0,
"reqAuto540": 0,
"reqBank540": 0,
"reqDigiBnpl540": 0,
"reqTotal720": 1,
"unqEntities720": 1,
"reqOthers720": 1,
"reqBnpl720": 0,
"reqPos720": 0,
"reqDigiLoan720": 1,
"reqDigiBank720": 0,
"reqCashLoan720": 0,
"reqAuto720": 0,
"reqBank720": 0,
"reqDigiBnpl720": 0,
"reqTotalAll": 33,
"unqEntitiesTotalAll": 6,
"reqOthersTotalAll": 33
}
}
}
}
}
}
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