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POST
https://api.easycred.in
/
api
/
v1
/
partner
/
journey
/
initiate
Initiate Loan Journey
curl --request POST \
  --url https://api.easycred.in/api/v1/partner/journey/initiate \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'X-Nonce: <x-nonce>' \
  --header 'X-Signature: <x-signature>' \
  --header 'X-Timestamp: <x-timestamp>' \
  --data '
{
  "mobile": "9876543210",
  "customer": {
    "pan": "DJHPG8765E",
    "dob": "1990-05-01",
    "personalEmail": "jsmith@example.com",
    "pinCode": "560001",
    "termsAccepted": true,
    "firstName": "<string>",
    "lastName": "<string>",
    "officialEmail": "jsmith@example.com",
    "companyName": "<string>",
    "monthlyIncome": 123,
    "annualIncome": 123,
    "addressL1": "<string>",
    "addressL2": "<string>",
    "city": "<string>",
    "state": "<string>",
    "endUse": "<string>"
  }
}
'
{
  "success": true,
  "data": {
    "journeyId": "<string>",
    "nextAction": {
      "type": "<string>"
    },
    "hostedUrl": "<string>",
    "journeySession": "<string>"
  }
}

Authorizations

Authorization
string
header
required

API key of the form ec_(live|test). Scopes are listed per operation.

Headers

X-Signature
string
required

HMAC-SHA256 signature over method, path, timestamp, nonce and raw body.

X-Timestamp
string
required

Unix epoch seconds. Requests outside the tolerance window are rejected.

X-Nonce
string
required

Unique per-request nonce. Replays are rejected.

Body

application/json
channel
enum<string>
required
Available options:
API_HOSTED,
API_HEADLESS
productCode
enum<string>
required

Catalog code (ONLINE_*) or legacy alias. Instant PL (ONLINE_INSTANT) is NOT a journey product — use POST /api/v1/partner/instant-loans.

Available options:
ONLINE_PERSONAL,
ONLINE_GOLD,
PERSONAL_LOAN,
GOLD_LOAN
mobile
string
required
Pattern: ^[6-9]\d{9}$
Example:

"9876543210"

customer
object
required

Applicant details. Provide monthlyIncome OR annualIncome (at least one).

goldLoanDetails
object

Required when productCode is ONLINE_GOLD.

Response

Success

API_HOSTED returns a hostedUrl (single-use resume link to hand to the customer). API_HEADLESS returns a journeySession token. Authorize subsequent /action and /{journeyId} calls by passing it in the journey_session cookie OR the X-Journey-Session header — NOT in Authorization, which carries your API key.

success
boolean
required
data
object
required