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Step 1: Set your API key

All requests require the x-api-key header. Use sk_test_* keys during development. 
x-api-key: sk_test_your_api_key_here
Sandbox keys (sk_test_*) create real data but Metro 2 files never reach bureaus. Use them freely during development.

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Step 2: Create a consumer

Register the individual whose payments you’ll report. 
curl -X POST https://vvdufluovypptsnkihyv.supabase.co/functions/v1/consumers \
  -H "x-api-key: sk_test_your_api_key_here" \
  -H "Content-Type: application/json" \
  -d '{
    "first_name": "Jane",
    "last_name": "Doe",
    "date_of_birth": "1990-05-15",
    "ssn": "123-45-6789",
    "phone": "+15551234567",
    "email": "jane.doe@example.com",
    "address": {
      "street": "123 Main St",
      "city": "Austin",
      "state": "TX",
      "postal_code": "73301",
      "country": "US"
    },
    "external_id": "sp-user-001"
  }'
Response (201)
{
  "id": "d1ba6184-b708-4e76-91fc-85dd6443c890",
  "first_name": "Jane",
  "last_name": "Doe",
  "middle_name": null,
  "date_of_birth": "1990-05-15",
  "phone": "+15551234567",
  "email": "jane.doe@example.com",
  "address": {
    "street": "123 Main St",
    "city": "Austin",
    "state": "TX",
    "postal_code": "73301",
    "country": "US"
  },
  "external_id": "sp-user-001",
  "created_at": "2026-02-16T06:16:47.385307+00:00",
  "updated_at": "2026-02-16T06:16:47.385307+00:00"
}
The SSN is encrypted at rest and never returned in any API response. Save the id for creating tradelines.

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Step 3: Create a tradeline

A tradeline represents an ongoing payment obligation being reported to credit bureaus. 
curl -X POST https://vvdufluovypptsnkihyv.supabase.co/functions/v1/tradelines \
  -H "x-api-key: sk_test_your_api_key_here" \
  -H "Content-Type: application/json" \
  -d '{
    "consumer_id": "d1ba6184-b708-4e76-91fc-85dd6443c890",
    "payment_type": "child_support",
    "payment_type_label": "Monthly Child Support",
    "account_opened_date": "2025-01-01",
    "payment_amount": 150000,
    "payment_frequency": "monthly",
    "ecoa_code": "individual",
    "metro2_account_type": "installment",
    "report_to_bureaus": ["equifax", "transunion", "experian"]
  }'
Response (201)
{
  "id": "9c843590-8552-4490-a50c-f0cc413d8b69",
  "consumer_id": "d1ba6184-b708-4e76-91fc-85dd6443c890",
  "partner_id": "b3937f42-ca94-469d-a318-75fd149b3dfe",
  "payment_type": "child_support",
  "payment_type_label": "Monthly Child Support",
  "account_status": "current",
  "current_balance": 0,
  "amount_past_due": 0,
  "payment_history": "",
  "is_active": true,
  "created_at": "2026-02-16T06:16:56.200531+00:00",
  "updated_at": "2026-02-16T06:16:56.200531+00:00"
}
payment_amount is in cents. $1,500.00 = 150000. Save the tradeline id for payment reporting.

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Step 4: Report a payment

Each month, report payments against the tradeline. The API automatically updates the tradeline’s status, balance, and payment history. 
curl -X POST https://vvdufluovypptsnkihyv.supabase.co/functions/v1/payments \
  -H "x-api-key: sk_test_your_api_key_here" \
  -H "Content-Type: application/json" \
  -d '{
    "tradeline_id": "9c843590-8552-4490-a50c-f0cc413d8b69",
    "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"
  }'
Response (201)
{
  "id": "1bedd1b0-aadd-4d0e-8d23-68b2f9d30efb",
  "tradeline_id": "9c843590-8552-4490-a50c-f0cc413d8b69",
  "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": null,
  "created_at": "2026-02-16T06:17:02.898846+00:00",
  "tradeline_status": {
    "account_status": "current",
    "current_balance": 0,
    "amount_past_due": 0,
    "payment_history": "0"
  }
}
The tradeline_status shows the auto-updated fields. The payment_history value "0" means “current” for this month.

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What’s next?

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Enum reference

All payment types, status codes, and Metro 2 mappings.

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