Quickstart

1. Get a key

Sign in after your institution or developer account is approved. Create a sandbox key in API Access. Sandbox keys start with pk_test_. Production keys start with pk_live_ and are issued only after the live environment is enabled for your institution.

2. Send a score request

The record must already exist, with transaction data ingested and consent in place for live traffic. You look up by PACIN entity id (or use customer lookup with a national ID or phone — see the API reference).

curl -X POST https://app.pacinnetwork.com/api/v1/score \
  -H "Authorization: Bearer $PACIN_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "entity_id": "pac_KE_0001"
  }'

3. Read the result

{
  "score_id": "scr_01JXXXXXXXXXXXXXXXXXXX",
  "entity_id": "pac_KE_0001",
  "score": 812,
  "score_range": { "min": 0, "max": 1000 },
  "risk_band": "very_low",
  "narrative": "Income has been regular. Cash flow varies a little. There is a usable buffer.",
  "environment": "sandbox"
}

score is 0–1000. Higher is stronger on the data PACIN has seen. narrative is a short explanation for the credit file. If history is too thin, score and risk_band are returned as null.

Next: Authentication · Consent · API reference