Billing Lifecycle and Data Availability
Financial institutions determine which data fields are returned for Updates based on the cardholder’s billing lifecycle stage. The four common cardholder states:- Bill Created: A new statement has been generated. All billing fields are available.
- Bill Due: A payment is owed. Balance, minimum payment, and due date are present, but no last payment information has been reported yet.
- Bill Paid: A payment has been made. Last payment amount and date are available, but the next due date has not yet been generated.
- Dormant: The account is open but shows minimal activity. Typically only balance (and sometimes available credit) is returned.
| Field | Created | Due | Paid | Dormant |
|---|---|---|---|---|
| available_credit | ✓ | ✓ | ✓ | ✓ |
| balance | ✓ | ✓ | ✓ | ✓ |
| last_payment_amount | ✓ | ✓ | ||
| last_payment_date | ✓ | ✓ | ||
| next_payment_minimum_amount | ✓ | ✓ | ✓ | |
| next_payment_due_date | ✓ | ✓ |