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Connect a User

Authenticate a user, and connect their liabilities - all with a phone number and date of birth.

Overview

For nearly all of the APIs, you must first connect a user. A connected user in our system enables you to connect their debt, set them up for different features, subscribe them to recurring functionality and so on.

To support multiple business cases of our partners, we provide options for how to authenticate/connect a user. As you review your use case, please touch base with your Spinwheel point of contact to align on the best connection strategy.

Connect API - SMS

Connect a user via SMS

A flow diagram explaining how a user's debt can be connected using SMS as the authentication mechanism

User input requirements for Connect:

  • 📱 Mobile US based phone number
  • 📆 Date of birth
  1. Submit the user data and fire an SMS
  2. Verify the user via OTP Code
📱
Connect API - SMS
Open Recipe

Connect API - KBA

Connect a user via KBA as a primary use case, or as a fallback to an unverified user

A flow diagram showing how a user's debt can be connected using a KBA mechanism
  1. Submit the user data for KBA
  2. Verify the user via KBA Questions and Answers

Connect Pre-Verified (Phone) API

Check in with a Spinwheel representative to be sure this is the path for you

A flow diagram explaining how pre-verified users can connect their debt.
  1. Submit all Pre-verified (Phone) user data for creation
🦉
Connect API - Preverified
Open Recipe

Connect a User from Network Token

The Network Token is intended to provide you with an ability to interface with other Spinwheel partners as it relates to passing leads, reducing authentication friction, decreasing costs, and reducing redundant data pulls for a connected user.

To learn more about our debt APIs and full product suite, visit spinwheel.io.

Updated 25 days ago

What’s Next

Retrieve a User