curl --request POST \
--url https://vvdufluovypptsnkihyv.supabase.co/functions/v1/payments \
--header 'Content-Type: application/json' \
--header 'x-api-key: <api-key>' \
--data '
{
"tradeline_id": "660e8400-e29b-41d4-a716-446655440001",
"payment_date": "2026-02-01",
"period_start": "2026-02-01",
"period_end": "2026-02-28",
"amount_due": 150000,
"amount_paid": 150000,
"payment_status": "on_time",
"external_payment_id": "sp-txn-abc123"
}
'import requests
url = "https://vvdufluovypptsnkihyv.supabase.co/functions/v1/payments"
payload = {
"tradeline_id": "660e8400-e29b-41d4-a716-446655440001",
"payment_date": "2026-02-01",
"period_start": "2026-02-01",
"period_end": "2026-02-28",
"amount_due": 150000,
"amount_paid": 150000,
"payment_status": "on_time",
"external_payment_id": "sp-txn-abc123"
}
headers = {
"x-api-key": "<api-key>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {'x-api-key': '<api-key>', 'Content-Type': 'application/json'},
body: JSON.stringify({
tradeline_id: '660e8400-e29b-41d4-a716-446655440001',
payment_date: '2026-02-01',
period_start: '2026-02-01',
period_end: '2026-02-28',
amount_due: 150000,
amount_paid: 150000,
payment_status: 'on_time',
external_payment_id: 'sp-txn-abc123'
})
};
fetch('https://vvdufluovypptsnkihyv.supabase.co/functions/v1/payments', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://vvdufluovypptsnkihyv.supabase.co/functions/v1/payments",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'tradeline_id' => '660e8400-e29b-41d4-a716-446655440001',
'payment_date' => '2026-02-01',
'period_start' => '2026-02-01',
'period_end' => '2026-02-28',
'amount_due' => 150000,
'amount_paid' => 150000,
'payment_status' => 'on_time',
'external_payment_id' => 'sp-txn-abc123'
]),
CURLOPT_HTTPHEADER => [
"Content-Type: application/json",
"x-api-key: <api-key>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://vvdufluovypptsnkihyv.supabase.co/functions/v1/payments"
payload := strings.NewReader("{\n \"tradeline_id\": \"660e8400-e29b-41d4-a716-446655440001\",\n \"payment_date\": \"2026-02-01\",\n \"period_start\": \"2026-02-01\",\n \"period_end\": \"2026-02-28\",\n \"amount_due\": 150000,\n \"amount_paid\": 150000,\n \"payment_status\": \"on_time\",\n \"external_payment_id\": \"sp-txn-abc123\"\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("x-api-key", "<api-key>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://vvdufluovypptsnkihyv.supabase.co/functions/v1/payments")
.header("x-api-key", "<api-key>")
.header("Content-Type", "application/json")
.body("{\n \"tradeline_id\": \"660e8400-e29b-41d4-a716-446655440001\",\n \"payment_date\": \"2026-02-01\",\n \"period_start\": \"2026-02-01\",\n \"period_end\": \"2026-02-28\",\n \"amount_due\": 150000,\n \"amount_paid\": 150000,\n \"payment_status\": \"on_time\",\n \"external_payment_id\": \"sp-txn-abc123\"\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://vvdufluovypptsnkihyv.supabase.co/functions/v1/payments")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["x-api-key"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"tradeline_id\": \"660e8400-e29b-41d4-a716-446655440001\",\n \"payment_date\": \"2026-02-01\",\n \"period_start\": \"2026-02-01\",\n \"period_end\": \"2026-02-28\",\n \"amount_due\": 150000,\n \"amount_paid\": 150000,\n \"payment_status\": \"on_time\",\n \"external_payment_id\": \"sp-txn-abc123\"\n}"
response = http.request(request)
puts response.read_body{
"id": "770e8400-e29b-41d4-a716-446655440002",
"tradeline_id": "660e8400-e29b-41d4-a716-446655440001",
"payment_date": "2026-02-01",
"period_start": "2026-02-01",
"period_end": "2026-02-28",
"amount_due": 150000,
"amount_paid": 150000,
"payment_status": "on_time",
"reported": false,
"reported_at": null,
"external_payment_id": "sp-txn-abc123",
"created_at": "2026-02-16T06:17:02.898Z",
"tradeline_status": {
"account_status": "current",
"current_balance": 0,
"amount_past_due": 0,
"payment_history": "0"
}
}{
"error": {
"code": "VALIDATION_ERROR",
"message": "payment_amount must be a positive integer (cents)",
"field": "payment_amount",
"request_id": "4e9024e3-125d-4d08-a392-4fa34f6bda44"
}
}{
"error": {
"code": "AUTHENTICATION_ERROR",
"message": "Missing x-api-key header",
"request_id": "4e9024e3-125d-4d08-a392-4fa34f6bda44"
}
}{
"error": {
"code": "NOT_FOUND",
"message": "Consumer not found",
"request_id": "4e9024e3-125d-4d08-a392-4fa34f6bda44"
}
}{
"error": {
"code": "CONFLICT",
"message": "A consumer with this email or external_id already exists for this partner",
"request_id": "4e9024e3-125d-4d08-a392-4fa34f6bda44"
}
}{
"error": {
"code": "INTERNAL_ERROR",
"message": "An unexpected error occurred",
"request_id": "4e9024e3-125d-4d08-a392-4fa34f6bda44"
}
}Report Payment
Submit a payment against an active tradeline. This automatically updates
the tradeline’s account_status, current_balance, amount_past_due,
highest_balance, payment_history (24-month rolling string), and
date_of_first_delinquency.
The response includes the payment record plus a tradeline_status snapshot
showing the updated tradeline fields.
Duplicate payments for the same (tradeline_id, period_start) return 409.
curl --request POST \
--url https://vvdufluovypptsnkihyv.supabase.co/functions/v1/payments \
--header 'Content-Type: application/json' \
--header 'x-api-key: <api-key>' \
--data '
{
"tradeline_id": "660e8400-e29b-41d4-a716-446655440001",
"payment_date": "2026-02-01",
"period_start": "2026-02-01",
"period_end": "2026-02-28",
"amount_due": 150000,
"amount_paid": 150000,
"payment_status": "on_time",
"external_payment_id": "sp-txn-abc123"
}
'import requests
url = "https://vvdufluovypptsnkihyv.supabase.co/functions/v1/payments"
payload = {
"tradeline_id": "660e8400-e29b-41d4-a716-446655440001",
"payment_date": "2026-02-01",
"period_start": "2026-02-01",
"period_end": "2026-02-28",
"amount_due": 150000,
"amount_paid": 150000,
"payment_status": "on_time",
"external_payment_id": "sp-txn-abc123"
}
headers = {
"x-api-key": "<api-key>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {'x-api-key': '<api-key>', 'Content-Type': 'application/json'},
body: JSON.stringify({
tradeline_id: '660e8400-e29b-41d4-a716-446655440001',
payment_date: '2026-02-01',
period_start: '2026-02-01',
period_end: '2026-02-28',
amount_due: 150000,
amount_paid: 150000,
payment_status: 'on_time',
external_payment_id: 'sp-txn-abc123'
})
};
fetch('https://vvdufluovypptsnkihyv.supabase.co/functions/v1/payments', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://vvdufluovypptsnkihyv.supabase.co/functions/v1/payments",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'tradeline_id' => '660e8400-e29b-41d4-a716-446655440001',
'payment_date' => '2026-02-01',
'period_start' => '2026-02-01',
'period_end' => '2026-02-28',
'amount_due' => 150000,
'amount_paid' => 150000,
'payment_status' => 'on_time',
'external_payment_id' => 'sp-txn-abc123'
]),
CURLOPT_HTTPHEADER => [
"Content-Type: application/json",
"x-api-key: <api-key>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://vvdufluovypptsnkihyv.supabase.co/functions/v1/payments"
payload := strings.NewReader("{\n \"tradeline_id\": \"660e8400-e29b-41d4-a716-446655440001\",\n \"payment_date\": \"2026-02-01\",\n \"period_start\": \"2026-02-01\",\n \"period_end\": \"2026-02-28\",\n \"amount_due\": 150000,\n \"amount_paid\": 150000,\n \"payment_status\": \"on_time\",\n \"external_payment_id\": \"sp-txn-abc123\"\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("x-api-key", "<api-key>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://vvdufluovypptsnkihyv.supabase.co/functions/v1/payments")
.header("x-api-key", "<api-key>")
.header("Content-Type", "application/json")
.body("{\n \"tradeline_id\": \"660e8400-e29b-41d4-a716-446655440001\",\n \"payment_date\": \"2026-02-01\",\n \"period_start\": \"2026-02-01\",\n \"period_end\": \"2026-02-28\",\n \"amount_due\": 150000,\n \"amount_paid\": 150000,\n \"payment_status\": \"on_time\",\n \"external_payment_id\": \"sp-txn-abc123\"\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://vvdufluovypptsnkihyv.supabase.co/functions/v1/payments")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["x-api-key"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"tradeline_id\": \"660e8400-e29b-41d4-a716-446655440001\",\n \"payment_date\": \"2026-02-01\",\n \"period_start\": \"2026-02-01\",\n \"period_end\": \"2026-02-28\",\n \"amount_due\": 150000,\n \"amount_paid\": 150000,\n \"payment_status\": \"on_time\",\n \"external_payment_id\": \"sp-txn-abc123\"\n}"
response = http.request(request)
puts response.read_body{
"id": "770e8400-e29b-41d4-a716-446655440002",
"tradeline_id": "660e8400-e29b-41d4-a716-446655440001",
"payment_date": "2026-02-01",
"period_start": "2026-02-01",
"period_end": "2026-02-28",
"amount_due": 150000,
"amount_paid": 150000,
"payment_status": "on_time",
"reported": false,
"reported_at": null,
"external_payment_id": "sp-txn-abc123",
"created_at": "2026-02-16T06:17:02.898Z",
"tradeline_status": {
"account_status": "current",
"current_balance": 0,
"amount_past_due": 0,
"payment_history": "0"
}
}{
"error": {
"code": "VALIDATION_ERROR",
"message": "payment_amount must be a positive integer (cents)",
"field": "payment_amount",
"request_id": "4e9024e3-125d-4d08-a392-4fa34f6bda44"
}
}{
"error": {
"code": "AUTHENTICATION_ERROR",
"message": "Missing x-api-key header",
"request_id": "4e9024e3-125d-4d08-a392-4fa34f6bda44"
}
}{
"error": {
"code": "NOT_FOUND",
"message": "Consumer not found",
"request_id": "4e9024e3-125d-4d08-a392-4fa34f6bda44"
}
}{
"error": {
"code": "CONFLICT",
"message": "A consumer with this email or external_id already exists for this partner",
"request_id": "4e9024e3-125d-4d08-a392-4fa34f6bda44"
}
}{
"error": {
"code": "INTERNAL_ERROR",
"message": "An unexpected error occurred",
"request_id": "4e9024e3-125d-4d08-a392-4fa34f6bda44"
}
}Authorizations
API key in the format sk_live_<token> (production) or sk_test_<token> (sandbox).
Contact Cove to obtain your API key.
Body
In cents
x >= 0In cents
x >= 0Status of a reported payment
on_time, late_30, late_60, late_90, late_120, late_150, late_180_plus, missed, partial Your internal transaction ID
255Response
Payment recorded with updated tradeline status
Payment record with updated tradeline status snapshot
In cents
In cents
Status of a reported payment
on_time, late_30, late_60, late_90, late_120, late_150, late_180_plus, missed, partial Whether included in a Metro 2 submission
Show child attributes
Show child attributes