Create Preauth Signals

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Body

​

Returns

curl https://production.methodfi.com/preauth \
  -X POST \
  -H "Method-Version: 2026-03-30" \
  -H "Authorization: Bearer sk_WyZEWVfTcH7GqmPzUPk65Vjc" \
  -H "Content-Type: application/json" \
  -d '{
    "account_id": "acc_4m9amk4KFiaQX",
    "purchase": {
      "amount": 9999,
      "mcc": "4511",
      "ip_address": "203.0.113.42",
      "txn_time": "2026-05-28T14:00:00Z"
    }
  }'

{
  "id": "preauth_qV7kRaFm4JNxw",
  "account_id": "acc_4m9amk4KFiaQX",
  "status": "completed",
  "verified_ownership": "match",
  "card_standing": "active",
  "success_likelihood": 0.82,
  "optimal_retry_date": "2026-05-28",
  "error": null,
  "metadata": null,
  "created_at": "2026-05-28T14:00:00.000Z",
  "updated_at": "2026-05-28T14:00:00.180Z"
}

​

Errors

• An unknown account_id returns 404.
• An Account that is not a liability-backed credit card returns 400 with PREAUTH_ACCOUNT_NOT_SUPPORTED.
• An Account with withdrawn consent returns 400 with PREAUTH_ACCOUNT_CONSENT_WITHDRAWN.
• A disabled Account returns 400 with PREAUTH_ACCOUNT_DISABLED.
• If the Account’s underlying liability cannot be found while processing a valid request, the assessment returns status: "failed" with error.sub_type: "PREAUTH_FAILED_LIABILITY_NOT_FOUND".