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Query Consumer Credit Issuing data Private preview

Access Consumer Credit Issuing data in Sigma and Stripe Data Pipeline.

Most Consumer Credit Issuing data is available through Sigma for querying in the Stripe Dashboard, or Stripe Data Pipeline for integrating with your data warehouse. The latest schema is available in the Dashboard when subscribed to Sigma.

Issuing funding obligations

Table name : issuing _ funding _ obligations
API reference : Funding Obligations

An Issuing FundingObligation represents how much money a platform owes to Stripe, and the status of repayment. To track what a consumer owes to the platform, use the Credit Statement instead.

Column	Type	Description
`id`	Primary key	Unique identifier for the object. For example, `ifo_123`.
`amount_outstanding`	Bigint	The amount still unpaid of the `amount_total` for this obligation, in the smallest currency unit.
`amount_paid`	Bigint	The amount paid towards this obligation, in the smallest currency unit.
`amount_paid_from_reserve`	Bigint	The amount paid towards this obligation from the platform’s `issuing_credit_reserved` balance.
`amount_total`	Bigint	The total owed amount, in the smallest currency unit.
`balance_type`	Varchar	The balance type owed by this obligation. One of `issuing` or `issuing_credit_reserved`.
`batch_timestamp`	Timestamp	The time at which updates to the object were processed through Stripe Data Pipeline. Sigma doesn’t include these. They’re only available for core API tables exported through Stripe Data Pipeline.
`created`	Timestamp	Time at which the object was created, in seconds since the Unix epoch.
`credit_period_ends_at`	Bigint	For connected accounts, when the window of cleared transactions contributing to this obligation ends. Not meaningful for platform-level FundingObligations, and not visible for reserve FundingObligations.
`credit_period_starts_at`	Bigint	For connected accounts, when the window of cleared transactions contributing to this obligation starts. Not meaningful for platform-level FundingObligations, and not visible for reserve FundingObligations.
`currency`	Varchar	Three-letter ISO currency code, in lowercase.
`due_at`	Bigint	When payment is due. After this time passes, the FundingObligation status becomes `past_due`.
`finalized_at`	Bigint	When the `amount_total` on this FundingObligation was finalized.
`grace_period_ends_at`	Bigint	When the grace period for fulfilling this obligation ends. After this time passes and the obligation isn’t paid, authorizations start to decline.
`livemode`	Varchar	`true` if the object exists in live mode, `false` if in test mode.
`merchant`	Varchar	Unique identifier for the user.
`owed_to`	Varchar	The party to whom the merchant is responsible for paying the owed amount. For platforms, this is `stripe`.
`paid_at`	Bigint	When this obligation was fully paid off.
`status`	Varchar	One of `charged_off`, `needs_refund`, `paid`, `past_due`, `pending`, `unpaid`.
`transaction_period_ends_at`	Bigint	When the window of cleared transactions contributing to this obligation ends. Not visible for reserve FundingObligations.
`transaction_period_starts_at`	Bigint	When the window of cleared transactions contributing to this obligation starts. Not visible for reserve FundingObligations.

Connected accounts

Table name : connected _ accounts
API reference : Accounts

The connected account represents the platform’s consumer. The table contains columns for most fields available in the Account object.

Credit policies

Table name : connected _ account _ issuing _ credit _ policies
API reference : Credit Policy

The Issuing CreditPolicy represents the rules around how much credit a cardholder can spend and how often they need to pay for that spend.

Column	Type	Description
`id`	Primary key	Unique identifier for the object. For example, `icpo_123`.
`created`	Timestamp	Time at which the object was created, in seconds since the Unix epoch.
`credit_limit_amount`	Bigint	The spending limit for this credit policy, in the smallest currency unit.
`credit_limit_currency`	Varchar	The currency of `credit_limit_amount`.
`credit_period_ends_on_days`	List<Bigint>	When using a monthly or part-monthly `credit_period_interval`, which day(s) of the month credit periods end.
`credit_period_interval`	Varchar	The unit for determining the duration of the credit period. One of `day`, `minute`, `month`, `partial_month`, `week`.
`credit_period_interval_count`	Bigint	The number of units specified by `credit_period_interval`.
`days_until_due`	Bigint	The number of days after the end of the credit period before the FundingObligation transitions to `past_due`.
`last_effective_attributes_credit_limit_amount_amount`	Bigint	The credit limit that was in effect until `last_effective_attributes_effective_until`.
`last_effective_attributes_credit_limit_amount_currency`	Varchar	The ISO currency of `last_effective_attributes_credit_limit_amount_amount`.
`last_effective_attributes_effective_until`	Timestamp	The timestamp when the attributes in `last_effective_attributes` were set.
`last_effective_attributes_credit_period_ends_on_days`	List<Bigint>	The value for `credit_period_ends_on_days` that was in effect until `last_effective_attributes_effective_until`.
`last_effective_attributes_credit_period_interval`	Varchar	The value for `credit_period_interval` that was in effect until `last_effective_attributes_effective_until`. One of `day`, `minute`, `month`, `partial_month`, `week`.
`last_effective_attributes_credit_period_interval_count`	Bigint	The value for `credit_period_interval_count` that was in effect until `last_effective_attributes_effective_until`.
`status`	Varchar	One of `active`, `inactive`, `suspended`, or `permanently_closed`.
`upcoming_attributes_credit_limit_amount_amount`	Bigint	The credit limit that will take effect on `upcoming_attributes_effective_at`.
`upcoming_attributes_credit_limit_amount_currency`	Varchar	The ISO currency of `upcoming_attributes_credit_limit_amount_amount`.
`upcoming_attributes_effective_at`	Timestamp	When the upcoming attributes will start affecting spend and credit period duration. Must end in `00` because Stripe requires all changes to take effect at 00:00 UTC.
`upcoming_attributes_credit_period_ends_on_days`	List<Bigint>	The value for `credit_period_ends_on_days` that will take effect at `upcoming_attributes_effective_at`.
`upcoming_attributes_credit_period_interval`	Varchar	The value for `credit_period_interval` that will take effect at `upcoming_attributes_effective_at`. One of `day`, `minute`, `month`, `partial_month`, `week`.
`upcoming_attributes_credit_period_interval_count`	Bigint	The value for `credit_period_interval_count` that will take effect at `upcoming_attributes_effective_at`.

Credit policy archive

Table name : connected _ account _ issuing _ credit _ policy _ archive
API reference : not applicable

The credit policy archive contains a full historical record of all states a credit policy has taken.

Column	Type	Description
`id`	Primary key	Unique identifier for the object. For example, `icpo_123`.
`created`	Timestamp	Time at which the object was created, in seconds since the Unix epoch.
`credit_policy_id`	Foreign key	The credit policy this archive record relates to.
`credit_limit_amount`	Bigint	The spending limit for this credit policy, in the smallest currency unit.
`credit_limit_currency`	Varchar	The currency of `credit_limit_amount`.
`credit_period_ends_on_days`	List<Bigint>	When using a monthly or part-monthly `credit_period_interval`, which days of the month credit periods end.
`credit_period_interval`	Varchar	The unit for determining the duration of the credit period. One of `day`, `minute`, `month`, `partial_month`, `week`.
`credit_period_interval_count`	Bigint	The number of units specified by `credit_period_interval`.
`days_until_due`	Bigint	The number of days after the end of the credit period before the FundingObligation transitions to `past_due`.
`last_effective_attributes_credit_limit_amount_amount`	Bigint	The credit limit that was in effect until `last_effective_attributes_effective_until`.
`last_effective_attributes_credit_limit_amount_currency`	Varchar	The ISO currency of `last_effective_attributes_credit_limit_amount_amount`.
`last_effective_attributes_effective_until`	Timestamp	The timestamp when the attributes in `last_effective_attributes` were set.
`last_effective_attributes_credit_period_ends_on_days`	List<Bigint>	The value for `credit_period_ends_on_days` that was in effect until `last_effective_attributes_effective_until`.
`last_effective_attributes_credit_period_interval`	Varchar	The value for `credit_period_interval` that was in effect until `last_effective_attributes_effective_until`. One of `day`, `minute`, `month`, `partial_month`, `week`.
`last_effective_attributes_credit_period_interval_count`	Bigint	The value for `credit_period_interval_count` that was in effect until `last_effective_attributes_effective_until`.
`status`	Varchar	One of `active`, `inactive`, `suspended`, or `permanently_closed`.
`upcoming_attributes_credit_limit_amount_amount`	Bigint	The credit limit that will take effect on `upcoming_attributes_effective_at`.
`upcoming_attributes_credit_limit_amount_currency`	Varchar	The ISO currency of `upcoming_attributes_credit_limit_amount_amount`.
`upcoming_attributes_effective_at`	Timestamp	When the upcoming attributes will start affecting spend and credit period duration. Must end in `00` because Stripe requires all changes to take effect at 00:00 UTC.
`upcoming_attributes_credit_period_ends_on_days`	List<Bigint>	The value for `credit_period_ends_on_days` that will take effect at `upcoming_attributes_effective_at`.
`upcoming_attributes_credit_period_interval`	Varchar	The value for `credit_period_interval` that will take effect at `upcoming_attributes_effective_at`. One of `day`, `minute`, `month`, `partial_month`, `week`.
`upcoming_attributes_credit_period_interval_count`	Bigint	The value for `credit_period_interval_count` that will take effect at `upcoming_attributes_effective_at`.

Credit ledger entries

Table name : connected _ account _ issuing _ credit _ ledger _ entries
API reference : List transactions

Individual entries within a consumer’s credit ledger.

Column	Type	Description
`id`	Primary key	Unique identifier for the object. For example, `icle_123`.
`created`	Timestamp	Time at which the object was created, in seconds since the Unix epoch.
`amount`	Bigint	Amount in the smallest currency unit.
`currency`	Varchar	Three-letter ISO currency code for the amount.
`source_id`	Foreign key	The ID of the object responsible for the ledger entry.
`source_type`	Varchar	One of `issuing_authorization`, `issuing_credit_ledger_adjustment`, `issuing_credit_repayment`, `issuing_dispute`, `issuing_transaction`.

Credit ledger adjustments

Table name : connected _ account _ issuing _ credit _ ledger _ adjustments
API reference : Issue rewards

A one-off adjustment made to a consumer’s credit ledger.

Column	Type	Description
`id`	Primary key	Unique identifier for the object. For example, `icla_123`.
`created`	Timestamp	Time at which the object was created, in seconds since the Unix epoch.
`amount`	Bigint	Amount in the smallest currency unit.
`currency`	Varchar	Three-letter ISO currency code for the amount.
`reason`	Varchar	One of `excess_payment_credit`, `funding_obligation_payment`, `out_of_pocket_expense_by_account`, `out_of_policy_account_repayment`, `platform_issued_credit_memo`, `platform_issued_debit_memo`.
`reason_description`	Varchar	A description of why the adjustment was made.

Credit repayments

Table name : connected _ account _ issuing _ credit _ repayments
API reference : Credit Repayments

An Issuing Credit Repayment represents a payment collected by the platform to repay a balance owed by a credit cardholder connected account.

Column	Type	Description
`id`	Primary key	Unique identifier for the object. For example, `icr_123`.
`created`	Timestamp	Time at which the object was created, in seconds since the Unix epoch.
`amount`	Bigint	Amount in the smallest currency unit.
`currency`	Varchar	Three-letter ISO currency code for the amount.
`allocation_fees`	Bigint	The portion of `amount` applied to fees.
`allocation_interest`	Bigint	The portion of `amount` applied to interest.
`allocation_principal`	Bigint	The portion of `amount` applied to the principal.
`balance_transaction_id`	Foreign key	ID of the balance transaction describing the impact of this repayment on the account balance.
`failure_balance_transaction_id`	Foreign key	ID of the balance transaction describing the reversal of the balance due to repayment failure.
`credit_statement_descriptor`	Varchar	Statement descriptor shown on the cardholder’s credit statement for this repayment.
`status`	Varchar	One of `created`, `canceled`, `failed`, `processing`, `succeeded`.
`status_transitions_canceled_at`	Timestamp	The time the repayment was canceled.
`status_transitions_failed_at`	Timestamp	The time the repayment failed.
`status_transitions_processing_at`	Timestamp	The time the repayment started processing.
`status_transitions_succeeded_at`	Timestamp	The time the repayment succeeded.
`status_transitions_reversed_at`	Timestamp	The time the repayment was reversed.

Credit underwriting records

Table name : connected _ account _ issuing _ credit _ underwriting _ records
API reference : Credit Underwriting Record

A CreditUnderwritingRecord is created every time a consumer submits a credit application or the platform takes a proactive credit decision on an existing account.

Column	Type	Description
`id`	Primary key	Unique identifier for the object. For example, `cur_123`.
`created`	Timestamp	Time at which the object was created, in seconds since the Unix epoch.
`application_purpose`	Varchar	Scope of demand made by the applicant. One of `bankruptcy`, `credit_limit_increase`, `credit_line_opening`, `hardship`, `probate`, `us_servicemembers_civil_relief_act`.
`application_submitted_at`	Timestamp	Date when the applicant submitted their application.
`application_application_method`	Varchar	The channel through which the applicant submitted their application. One of `online`, `in_person`, `phone`, `mail`.
`created_from`	Varchar	One of `application`, `proactive_review`.
`credit_user_name`	Varchar	Full name of the applicant or account holder.
`credit_user_email`	Varchar	Email of the applicant or account holder.
`decided_at`	Timestamp	Date when a decision was made.
`decision_application_rejected_reasons`	Varchar	List of up to four reasons why the application was rejected, in order of importance.
`decision_application_rejected_reason_other_explanation`	Varchar	Details about `reasons.other` when present.
`decision_credit_limit_approved_amount_amount`	Bigint	The approved credit amount.
`decision_credit_limit_approved_amount_currency`	Varchar	The ISO currency of `decision_credit_limit_approved_amount_amount`.
`decision_credit_limit_decreased_reasons`	List<Varchar>	List of up to four reasons why the existing credit was decreased, in order of importance.
`decision_credit_limit_decreased_amount_amount`	Bigint	Credit amount approved after the decrease.
`decision_credit_limit_decreased_amount_currency`	Varchar	The ISO currency of `decision_credit_limit_decreased_amount_amount`.
`decision_credit_line_closed_reasons`	List<Varchar>	List of up to four reasons why the account was closed, in order of importance.
`decision_type`	Varchar	One of `credit_limit_approved`, `application_rejected`, `credit_limit_decreased`, `additional_information_requested`, `withdrawn_by_applicant`, `credit_line_closed`, `no_changes`.
`decision_deadline`	Timestamp	For application-initiated underwriting, a decision must be taken within 30 days of submission.
`regulatory_reporting_file`	Varchar	File containing regulatory reporting data for the decision, if applicable.
`underwriting_exception_reason`	Varchar	If an exception to the usual underwriting criteria was made, the reason must be provided here. Grant exceptions only in rare circumstances, in consultation with Stripe Compliance.

Credit statements

Table name : connected _ account _ issuing _ credit _ statement
API reference : Credit Statement

The Issuing Credit Statement represents a snapshot at the end of a consumer’s credit statement period.

Column	Type	Description
`id`	Primary key	Unique identifier for the object. For example, `icrdstm_123`.
`created`	Timestamp	Time at which the object was created, in seconds since the Unix epoch.
`opening_statement_balance`	Bigint	Opening balance of the credit statement.
`closing_statement_balance`	Bigint	Closing balance of the credit statement.
`credit_period_ends_at`	Bigint	Credit period end date, as a UTC midnight timestamp.
`credit_period_starts_at`	Bigint	Credit period start date, as a UTC midnight timestamp.
`currency`	Varchar	The ISO currency of `opening_statement_balance` and `closing_statement_balance`.
`statement_due_at`	Bigint	Credit statement due date, as a UTC midnight timestamp.
`statement_minimum_payment`	Bigint	Minimum required payment for the credit statement.
`statement_pdf`	Varchar	File API URL for the generated statement PDF.
`status`	Varchar	One of `finalized`, `pending`, `processing`, `unknown`.