Native API (Build Your Own)

How to get started with an Engine by MoneyLion Credit Cards Marketplace Native API Integration

Welcome to Engine by MoneyLion’s Credit Cards Marketplace API Integration Guide. This document provides all the necessary information for integrating with Engine’s platform, allowing you to search and match users with credit card offers from various partners.

Key Capabilities

• Retrieve credit card offers dynamically.

• Support both Invitation to Apply (ITA) and Personalized offers.

  • Invitation to Apply (ITA) Offers - ITA offers are credit card offers that are available to all users without any preliminary review of their creditworthiness. These offers do not require the submission of Personally Identifiable Information (PII) and can be retrieved via our API without any additional user data. These offers provide broad availability as self-selected offers, but do not guarantee a higher likelihood of approval for users and require click-through and applications on the issuer side to determine eligibility.

  • Personalized Offers - Personalized offers use a user's PII to determine their creditworthiness (soft credit checks, risk evaluations, etc), helping determine their likelihood of approval before they apply. Based on this assessment, users may receive Pre-Approved (excellent chance), Pre-Qualified (good chance), or Pre-Selected (moderate chance) offers. These offers provide a more personalized experience, increasing the likelihood of successful applications.

• Enable a seamless, compliant, and user-friendly experience.

This guide covers API authentication, request/response structures, and best practices for integrating with Engine’s platform.