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Version: 1.0.11

Risk Evaluation API

The banca.me risk evaluation API provides endpoints for creating and retrieving pre-loan requests (leads) and their risk evaluation. This API is designed for partners who want to integrate banca.me's risk evaluation and loan processing capabilities into their applications.

Features​

  • Get or create a lead by RUT and send the customer to continue the application at banca.me
  • List every lead of a RUT that belongs to your partner
  • Risk evaluation results (pre-approvals, risk parameters and reports) for partners with the evaluation module

Base URL​

The base URL for production API requests is:

https://api.banca.me

For integration and testing use https://beta.api.banca.me (development) or https://automation.api.banca.me (automation). See Environments.

Authentication​

Send your API token as Authorization: Bearer <token>. See Authentication.

  • A missing or malformed token returns 401.
  • A well-formed token that is not your partner's current API token returns 400.
  • A token whose partner is inactive returns 403.

Error Handling​

The API uses standard HTTP status codes. Codes you can receive:

  • 400: Bad Request
  • 401: Unauthorized
  • 403: Forbidden
  • 404: Not Found
  • 409: Conflict
  • 413: The customer has a signed loan request pending approval
  • 422: Unprocessable Entity
  • 500: Internal Server Error
  • 503: Service Unavailable — failures of banca.me or of its data providers are usually reported as 503

Error bodies are JSON with this shape:

{
  "data": {
    "status": 422,
    "url": "/partner/pre-loan-request",
    "ip": "203.0.113.10",
    "partnerId": "5b0e7c41-2d93-4f8a-a1c6-9e47d2b80f35",
    "message": "ERR_MISSING_BASIC_V2_DATA"
  }
}

Only 422 and 500 responses carry an error code, in message. Every other status carries no code, so branch on the HTTP status. See Errors.

Data formats​

The API accepts and returns data in the following formats:

  • Request: application/x-www-form-urlencoded or application/json
  • Response: application/json

Best practices​

  1. Error Handling:
  • Always implement proper error handling
  • Check HTTP status codes
  • Implement retry logic for temporary failures (503)
  1. Data Validation:
  • Validate the RUT check digit and the phone format (+56 XXXXXXXXX) before sending
  • Check response data integrity
  • Handle missing or null values gracefully

Authentication​

Partner API token provided by banca.me

Security Scheme Type:

http

HTTP Authorization Scheme:

bearer

Bearer format:

JWT