Debit-to-Credit Score

Okra's Debit-to-Credit score compares how much your customers owe with how much they have. It typically includes monthly debt payments such as rent, mortgage, phone top-ups, auto payments, and other debt.

Calculate Debit-to-Credit Score

curl -X POST https://api.okra.ng/v2/products/dtc-score/calculate
-H 'Content-Type: application/json'
-d '{
  		"customer": "xxxxxxxxxxxxxxxx"
	}'

const okra_client = require('okra-node');
okra_client.getCustomerDTI(accessToken, {customer_id:"xxxxxxxxxxxxxxxx"}, (err, results) => {
    // Handle err
    const products = results.products;
    });

{
    "status": "success",
    "message": "DTI successfully fetched",
    "data": {
        "dti": {
            "dti": 72
        }
    }
}

📘
Need a More Detailed Earning or Spending History?
Your customer's Debit-to-Credit (DTC) score can be used alongside our more robust Spending Patterns or Income & Revenue products to gain more insight into the important financial health factors that may be considered when determining if you will grant access to your goods or services.

Fetch Total Debits and Credits

curl -X POST https://api.okra.ng/v2/products/total-debits-credits
-H 'Content-Type: application/json' 
-H 'Authorization: Bearer <AccessToken>'
-d '{
  		"account": "xxxxxxxxxxxxxxxx"
	}'

const okra_client = require('okra-node');
okra_client.getTotalDebitCredits(accessToken, {
    account: "xxxxxxxxxxxxxxxx"
}, (err, results) => {
        // Handle err
    const total = results.result;
    });

"status": "success",
    "message": "Record transactions credit & debit successfully retrieved",
    "data": {
        "result": {
            "credit": 19293.83,
            "debit": 28383.39
        }
    }
}