vocabulary:
  name: Synchrony Financial API Vocabulary
  description: >-
    Vocabulary for Synchrony Financial's consumer credit and financial services APIs,
    covering credit authorization, preapproval, application processing, and payments.
  version: '1.0'
  created: '2026-05-03'
  terms:
    - term: Credit Authorization
      definition: >-
        The process of approving or declining a credit card transaction by checking
        available credit on the cardholder's Synchrony account.
      tags:
        - Authorization
        - Credit
        - Transaction

    - term: Preauthorization
      definition: >-
        A temporary hold placed on a customer's credit account for a specified amount
        without capturing the funds, used when the final transaction amount is unknown.
      tags:
        - Authorization
        - Hold
        - Transaction

    - term: Completion
      definition: >-
        The capture of funds against a previously placed preauthorization hold, using
        the original authorization code to finalize the transaction.
      tags:
        - Capture
        - Transaction
        - Completion

    - term: Reversal
      definition: >-
        The cancellation or voiding of a prior transaction before settlement occurs,
        releasing any held funds back to the customer's available credit.
      tags:
        - Void
        - Cancellation
        - Transaction

    - term: Quickscreen
      definition: >-
        Synchrony's proprietary soft-pull preapproval engine that uses name and address
        to return real-time credit decisions without impacting the customer's credit score.
      tags:
        - Preapproval
        - Credit Decision
        - Soft Pull

    - term: Payment Token
      definition: >-
        A tokenized representation of a credit account number used in place of the
        actual account number for secure transaction processing.
      tags:
        - Security
        - Tokenization
        - Payments

    - term: mApply
      definition: >-
        Synchrony's mobile credit application experience allowing customers to securely
        apply for credit on mobile devices and instantly access their approved credit line.
      tags:
        - Mobile
        - Credit Application
        - Digital

    - term: Credit Limit
      definition: >-
        The maximum amount of credit extended to a cardholder on their Synchrony account,
        set at time of application approval.
      tags:
        - Credit
        - Account Management
        - Finance

    - term: Merchant ID
      definition: >-
        The unique identifier assigned to a retailer or merchant by Synchrony Financial
        for processing credit transactions through the Synchrony network.
      tags:
        - Merchant
        - Identity
        - Partner

    - term: Channel
      definition: >-
        The transaction submission channel indicating whether the transaction originated
        from a web interface, mobile application, or point-of-sale terminal.
      tags:
        - Transaction
        - Channel
        - Digital Commerce

  dimensions:
    operational:
      - Purchase Authorization
      - Refund Processing
      - Preapproval Decisioning
      - Credit Application
      - Account Management
    capability:
      - Retail Credit Integration
      - Mobile Commerce
      - Point of Sale Credit
      - Buy Now Pay Later
      - Consumer Financing