openapi: 3.1.0
info:
  title: Synchrony Financial Credit Authorization Applications Preapprovals API
  description: The Synchrony Financial Credit Authorization API allows merchants and retailers to perform credit card transactions including purchases, preauthorizations, completions, payments, refunds, and reversals. The API supports transactions via payment tokens or full account numbers across web, mobile, and point-of-sale channels.
  version: '1.0'
  contact:
    url: https://developer.syf.com/
servers:
- url: https://api.syf.com
  description: Production
- url: https://sandbox.api.syf.com
  description: Sandbox
security:
- bearerAuth: []
tags:
- name: Preapprovals
  description: Soft-pull preapproval operations.
paths:
  /v1/credit/preapproval:
    post:
      operationId: submitPreapproval
      summary: Submit Preapproval Request
      description: Submits a soft-pull preapproval check using the customer's name and address. Returns a real-time preapproval decision without impacting the customer's credit score.
      tags:
      - Preapprovals
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/PreapprovalRequest'
      responses:
        '200':
          description: Preapproval decision returned
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PreapprovalResponse'
        '400':
          description: Bad request
        '401':
          description: Unauthorized
components:
  schemas:
    PreapprovalResponse:
      type: object
      properties:
        offerId:
          type: string
          description: Unique offer identifier for conversion to application.
        decision:
          type: string
          enum:
          - preapproved
          - not_preapproved
        creditLimit:
          type: number
          format: float
          description: Estimated credit limit if preapproved.
        expiresAt:
          type: string
          format: date-time
        message:
          type: string
    PreapprovalRequest:
      type: object
      required:
      - merchantId
      - firstName
      - lastName
      - address
      properties:
        merchantId:
          type: string
          description: The merchant's Synchrony identifier.
        firstName:
          type: string
        lastName:
          type: string
        address:
          $ref: '#/components/schemas/Address'
        channel:
          type: string
          enum:
          - web
          - mobile
          - pos
    Address:
      type: object
      properties:
        street:
          type: string
        city:
          type: string
        state:
          type: string
        zipCode:
          type: string
        country:
          type: string
          default: US
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer