My EMI Pay
  1. Applications
  • My-EMI Lending API
  • System
    • Health check
      GET
  • Products
    • List published loan products
      GET
  • Auth
    • Request OTP
      POST
    • Resend OTP
      POST
    • Refresh tokens
      POST
    • Verify OTP
      POST
    • Select a family account after OTP
      POST
    • Add a family member on this phone
      POST
    • Logout
      POST
    • List family profiles on this phone
      GET
    • Send email verification link
      POST
    • Email verification status
      GET
    • Confirm email verification (Bearer)
      GET
    • Confirm email verification token (Bearer)
      POST
    • iOS Universal Links association
      GET
    • Android App Links association
      GET
  • Profile
    • Get customer profile
      GET
    • Update customer profile
      POST
  • Application journey
    • HTML origination document pack
    • Start bank statement consent
    • Poll bank statement consent
    • Application journey
    • Start PAN KYC via DigiLocker
    • PAN KYC status
    • Start Aadhaar KYC via DigiLocker
    • Aadhaar KYC status
    • Edit Aadhaar communication address
    • Verify bank account (KYC)
    • Start eSign
    • eSign status
    • Complete PAN KYC (poll DigiLocker)
    • Complete Aadhaar KYC (poll DigiLocker)
    • Start mock e-NACH
    • Pull bureau report
    • Mock e-NACH status
    • Bureau report
    • Loan eligibility
  • Webhooks
    • Resolve or fail bureau claim
    • Resolve or fail KYC claim
    • Resolve or fail eSign claim
    • Resolve or fail income claim
  • Ops
    • Confirm queued payouts
    • Wake steps that are waiting on a clock
    • Retry one failed payout row
  • Other
    • List published originators
    • HTML origination pack for one originator
  • Application
    • Get current application screen
    • Begin verification
    • Verify PAN
    • Acknowledge credit score
    • Accept offer
    • Create loan
    • Request payout
  • Applications
    • Get current application screen
      GET
    • Begin verification
      POST
    • Verify PAN
      POST
    • Acknowledge credit score
      POST
    • Accept offer
      POST
    • Create loan
      POST
    • Request payout
      POST
  1. Applications

Acknowledge credit score

POST
https://api-dev.myemipay.com/applications/acknowledge-credit-score
Last modified:2026-09-27 17:56:10
Acknowledge credit score
Description: records that the customer saw the score and runs the CIBIL eligibility gate (default floor 670). Score below the floor → 422 ineligible, application rejected, no Aadhaar. This does not sanction an amount.
Usage: after bureau facts are on the screen (verify-pan or GET /application/bureau). Customer taps Continue.
Details: no body. Score at or above the CIBIL floor (default 670) → screen youCanNow advances to Aadhaar. Below the floor → ineligible. Duplicate → credit_score_already_acknowledged. Too early → credit_score_not_ready.
Next: if eligible, POST /application/kyc/aadhaar/start. After Aadhaar, poll journey / eligibility — under_verification for ~10s, then the offer.
Auth: Authorization: Bearer {{accessToken}}
Errors: 401 unauthorized | session_expired · 403 Forbidden · 404 Application not found · 409 step_not_ready or credit_score_already_acknowledged · 422 credit_score_not_ready | credit_score_ack_unavailable | ineligible

Request

Header Params

Responses

🟢200Acknowledged
application/json
Bodyapplication/json

🟠401Unauthorized
🟠409Already acknowledged
🟠422Score not ready
Request Request Example
Shell
JavaScript
Java
Swift
curl --location --request POST 'https://api-dev.myemipay.com/applications/acknowledge-credit-score' \
--header 'Authorization: Bearer '
Response Response Example
200 - Acknowledged
{
  "application": {
    "id": "app_1735123456789",
    "reference": "PME-A1B2C3D4"
  },
  "status": "verifying",
  "message": "We are preparing your loan offer.",
  "youCanNow": [],
  "revision": "4"
}
Modified at 2026-09-27 17:56:10
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