# Carbon Business API

> Carbon Business API documentation provides all the necessary information to integrate with our platform, including guides, API references, and endpoint examples.

## Docs

- [Create Account](https://docs.getcarbon.co/api-reference/accounts/create-account.md): Create a new virtual account for a customer/collection.
- [Fetch Balance](https://docs.getcarbon.co/api-reference/accounts/fetch-balance.md): Retrieve the balance of a specific account.
- [Flush Account](https://docs.getcarbon.co/api-reference/accounts/flush-account.md): Flush the balance of an account to another account.
- [Get Account](https://docs.getcarbon.co/api-reference/accounts/get-account.md): Retrieve details of a specific account by account number.
- [Fetch Accounts](https://docs.getcarbon.co/api-reference/accounts/get-accounts.md): Retrieve a list of accounts with pagination and optional filtering.
- [Get Transfer Limits](https://docs.getcarbon.co/api-reference/accounts/get-transfer-limits.md): Retrieve the current transfer limits configured for a specific account.
- [Update Transfer Limits](https://docs.getcarbon.co/api-reference/accounts/update-transfer-limits.md): Update the transfer limits for a specific account.
- [Get Banks](https://docs.getcarbon.co/api-reference/banks/get-banks.md): Retrieve a list of banks and financial institutions
- [Resolve Account](https://docs.getcarbon.co/api-reference/banks/resolve-account.md): Resolve account details using the bank code and account number
- [Uptime Monitoring](https://docs.getcarbon.co/api-reference/banks/uptime.md): Retrieve uptime information for banks.
- [Create Customer](https://docs.getcarbon.co/api-reference/customers/create-customer.md): Create a new customer with detailed information.
- [Fetch Customer](https://docs.getcarbon.co/api-reference/customers/get-customer.md): Retrieve details of a specific customer by ID.
- [Fetch Customers](https://docs.getcarbon.co/api-reference/customers/get-customers.md): Retrieve a list of customers with pagination and filtering support.
- [Introduction](https://docs.getcarbon.co/api-reference/introduction.md): Overview of the Carbon Business API
- [Accept Offer](https://docs.getcarbon.co/api-reference/loans/accept-offer.md): Accept the loan offer on behalf of the customer.
- [Agree to Terms](https://docs.getcarbon.co/api-reference/loans/agree-to-terms.md): Record the customer's agreement to the loan terms of use.
- [Apply for Loan](https://docs.getcarbon.co/api-reference/loans/apply-for-loan.md): Submit a loan application for a KYC-verified customer.
- [Calculate Repayment](https://docs.getcarbon.co/api-reference/loans/calculate-repayment.md): Preview the repayment breakdown for a given loan amount and tenure.
- [Charge Repayment](https://docs.getcarbon.co/api-reference/loans/charge-repayment.md): Initiate a repayment charge against an active loan.
- [Create Guarantor](https://docs.getcarbon.co/api-reference/loans/create-guarantor.md): Add a guarantor to a loan application.
- [Decline Offer](https://docs.getcarbon.co/api-reference/loans/decline-offer.md): Decline the loan offer on behalf of the customer.
- [Enroll Customer](https://docs.getcarbon.co/api-reference/loans/enroll-customer.md): Enroll an existing customer for lending. Idempotent — returns the existing enrollment if already enrolled.
- [Get Active Loan](https://docs.getcarbon.co/api-reference/loans/get-active-loan.md): Fetch the currently active (disbursed) loan for a customer.
- [Get Bank Statement Status](https://docs.getcarbon.co/api-reference/loans/get-bank-statement-status.md): Retrieve the status of the most recent bank statement request for a loan application.
- [Get Guarantors](https://docs.getcarbon.co/api-reference/loans/get-guarantors.md): List all guarantors linked to a loan application.
- [Get KYC Status](https://docs.getcarbon.co/api-reference/loans/get-kyc-status.md): Fetch the current KYC verification status for an enrolled customer.
- [Get Loan Application](https://docs.getcarbon.co/api-reference/loans/get-loan.md): Fetch a single loan application. Status is synced live from the lending engine on each call.
- [Get Loan Offer](https://docs.getcarbon.co/api-reference/loans/get-offer.md): Fetch the loan offer details once the application status is HAS_OFFER.
- [Get Repayment Schedule](https://docs.getcarbon.co/api-reference/loans/get-repayment-schedule.md): Fetch the full repayment schedule for an active loan.
- [List Loan Applications](https://docs.getcarbon.co/api-reference/loans/list-loans.md): List all loan applications for the authenticated merchant.
- [List Supported Banks](https://docs.getcarbon.co/api-reference/loans/list-mbs-banks.md): Get the list of banks supported for bank statement requests.
- [Post-Offer KYC](https://docs.getcarbon.co/api-reference/loans/post-offer-kyc.md): Complete the post-offer KYC gate. Final step before loan disbursement.
- [Request Bank Statement](https://docs.getcarbon.co/api-reference/loans/request-bank-statement.md): Request a bank statement for a loan application.
- [Set Disbursement Account](https://docs.getcarbon.co/api-reference/loans/set-disbursement-account.md): Set the bank account the loan funds will be disbursed to.
- [Start Decisioning](https://docs.getcarbon.co/api-reference/loans/start-decisioning.md): Trigger the credit decision engine for a loan application.
- [Submit Underwriting Data](https://docs.getcarbon.co/api-reference/loans/submit-underwriting.md): Submit business profile information required for credit decisioning.
- [Upload Board Resolution](https://docs.getcarbon.co/api-reference/loans/upload-board-resolution.md): Link a board resolution document to a loan application. Required for non-sole-proprietor business customers.
- [Upload Loan Document](https://docs.getcarbon.co/api-reference/loans/upload-document.md): Upload a supporting document for a loan application. One file per request.
- [Verify Customer KYC](https://docs.getcarbon.co/api-reference/loans/verify-kyc.md): Trigger BVN/identity verification for an enrolled customer.
- [Approve or Decline Payout](https://docs.getcarbon.co/api-reference/payouts/approve-payout.md): Approve or decline a pending payout request using its authorization code.
- [Create Payout](https://docs.getcarbon.co/api-reference/payouts/create-payout.md): Initiate a payout to a beneficiary account.
- [Fetch Payout Beneficiaries](https://docs.getcarbon.co/api-reference/payouts/get-payout-beneficiaries.md): Retrieve a paginated list of unique payout beneficiaries for an account based on previous payout transactions.
- [Fetch Payout Status](https://docs.getcarbon.co/api-reference/payouts/get-payout-status.md): Retrieve the status of a specific payout by reference.
- [Fetch Payout Transaction](https://docs.getcarbon.co/api-reference/payouts/get-payout-transaction.md): Retrieve details of a specific payout transaction by reference.
- [Get Pending Payout Approvals](https://docs.getcarbon.co/api-reference/payouts/get-pending-payout-approvals.md): This endpoint retrieves a list of all payout requests that are pending approval.
- [Merchant Fee Charge](https://docs.getcarbon.co/api-reference/payouts/merchant-fee-charge.md): Process a merchant fee charge by debiting a source account and crediting a target account.
- [Fetch Transactions](https://docs.getcarbon.co/api-reference/transactions/fetch-transactions.md): Retrieve a list of transactions for a specific account.
- [Verify Transaction](https://docs.getcarbon.co/api-reference/transactions/verify-transaction.md): Retrieve transaction details for a specific account and reference.
- [Webhook Events](https://docs.getcarbon.co/api-reference/webhooks/get-webhook-history.md): Retrieve the history of webhook events with pagination.
- [Resend WebHook Event](https://docs.getcarbon.co/api-reference/webhooks/resend-webhook-event.md): Resend a webhook event to the specified endpoint.
- [Authentication](https://docs.getcarbon.co/authentication.md): Learn how to authenticate with the Carbon Business API.
- [Environments](https://docs.getcarbon.co/environment.md): Understand the different environments available in Carbon Business API for development and deployment.
- [Error Handling](https://docs.getcarbon.co/error.md): We use the conventional HTTP response codes to indicate the success or failure of an API request.
- [Introduction](https://docs.getcarbon.co/introduction.md): Learn about the Carbon Business API, its features, and how it enables seamless integration of financial services into your applications.
- [Lending](https://docs.getcarbon.co/lending.md): Enable your customers to access business loans through the Carbon Lending API.
- [SDKs & Libraries](https://docs.getcarbon.co/libraries.md): Integrate Carbon Business API effortlessly using our official SDKs and libraries for various programming languages.
- [Model Context Protocol (MCP)](https://docs.getcarbon.co/mcp-documentation.md): Enhance your AI development workflow with Carbon Business API integration through MCP for intelligent code assistance and documentation access.
- [Payment Operations](https://docs.getcarbon.co/payment-operations.md): Learn how to create collection accounts and process payouts step-by-step using Carbon Business API.
- [Quickstart](https://docs.getcarbon.co/quickstart.md): Get started with the Carbon Business API by generating your API key, making your first request, and exploring the API.
- [Webhook Events](https://docs.getcarbon.co/webhooks/events.md): Comprehensive guide to Carbon Business API webhook events and their payload structures.
- [Introduction](https://docs.getcarbon.co/webhooks/introduction.md)

## OpenAPI Specs

- [openapi](https://docs.getcarbon.co/openapi.yml)

## Optional

- [Documentation](https://docs.getcarbon.co)
- [Blog](https://www.getcarbon.co/blog)
- [Postman](https://documenter.getpostman.com/view/33237778/2sA2rFRzKS)