{"merchantPaymentProducts":[{"paymentProduct":{"id":"02a6ff48-e494-426d-9ee6-a1fd9afcf032","programID":"2a1d717a-e4ea-43fc-9d2b-6844f06eda79","type":"INSTALLMENTS","name":"6 Month - Positive APR","description":"6 Month - Positive APR","numPayments":6,"paymentFrequency":"P1M","minInterestRateBPS":999,"maxInterestRateBPS":3499,"paymentMethodTypes":["ACH","DEBIT"],"autopayRequired":false,"requiredDownPaymentBPS":0,"legalAgreements":{},"policies":{"member":{"DisputePolicy":{"Reasons":["PRODUCT_NOT_RECEIVED","DAMAGED_OR_DEFECTIVE_PRODUCT","PRODUCT_NOT_AS_DESCRIBED","DUPLICATE_CHARGE","INCORRECT_CHARGE_AMOUNT","CANCELLATION_NOT_HONORED","RETURN_REFUSAL_NOT_HONORED","INCORRECT_CREDIT_ISSUED","DIFFERENT_PAYMENT_METHOD_USED","SERVICES_NOT_RENDERED","MISLEADING_MARKETING_MATERIAL","AUTHORIZATION_GIVEN_BY_THIRD_PARTY"],"Resolutions":["PRODUCT_NOT_RECEIVED","DAMAGED_OR_DEFECTIVE_PRODUCT","PRODUCT_NOT_AS_DESCRIBED","DUPLICATE_CHARGE","INCORRECT_CHARGE_AMOUNT","CANCELLATION_NOT_HONORED","RETURN_REFUSAL_NOT_HONORED","INCORRECT_CREDIT_ISSUED","DIFFERENT_PAYMENT_METHOD_USED","SERVICES_NOT_RENDERED","MISLEADING_MARKETING_MATERIAL","AUTHORIZATION_GIVEN_BY_THIRD_PARTY","INVALID_DISPUTE_INSUFFICIENT_EVIDENCE","DISPUTE_RESOLVED_BY_MERCHANT","CUSTOMER_WITHDRAWS_DISPUTE","OTHER"],"EligibilityWindowInDays":500000},"DelinquencyPolicy":{"Name":"DEFAULT_DELINQUENCY_POLICY","ChargeOffDaysPastDue":120,"CollectionsDaysPastDue":1},"CheckoutValidation":false,"AllowedPaymentMethods":["CHECK_PAYMENT","MANUAL_PAYMENT","EXTERNAL_COLLECTION","ACH","DEBIT_CARD"],"PaymentReminderPolicy":{"Manual":{"DaysInAdvance":[0,10]},"AutoPay":{"DaysInAdvance":[3],"HasSpecialInitialReminder":false},"FuturePayment":{"DaysInAdvance":[6]}},"CheckoutWorkflowPolicy":{"Name":"LOAN_CHECKOUT_WORKFLOW"},"OfferedStartDateOffset":0,"CheckoutStartDateOffset":0,"DisclosureGenerationPolicy":"ADS_IB_LOAN_DISCLOSURES","ScheduleGenerationCategory":{"Name":"STANDARD_DELAYED_START_FIXED_DAY","InterestRounding":"ROUND_DOWN"},"AutoWaiveInterestByMerchantRefund":true},"application":{"bof":{"processors":["KYC","FRAUD","SANCTIONS"],"disclosures":[{"type":"tila","requiresChecksum":false},{"type":"credit-score-notice","requiresChecksum":false},{"type":"loan-agreement","requiresChecksum":true}]},"checkout":{"actions":{"SERVICING":true,"TRANSACTION":true},"allowsUpdateToFinalLoanAmount":false}}},"workflowIDs":{"fraud":{"alloyWorkflowID":"IL"}},"createdAt":"2024-04-05T13:00:59.381077Z","deletedAt":null,"extendedAttributes":{},"allowExpirationExtension":true,"version":2,"drawPeriod":""},"merchantValues":{"id":"e02d468c-b20e-4c8a-bd30-744ed51dc91b","programID":"2a1d717a-e4ea-43fc-9d2b-6844f06eda79","merchantID":"f762020f-48a1-475b-acad-f6812d4297d4","paymentProductID":"02a6ff48-e494-426d-9ee6-a1fd9afcf032","discountRateBPS":239,"downPaymentDiscountRateBPS":239,"downPaymentTransactionFee":{"currency":"USD","value":0},"transactionFee":{"currency":"USD","value":0},"minCartSize":{"currency":"USD","value":5000},"maxCartSize":{"currency":"USD","value":1000000},"minInterestRateBPS":999,"maxInterestRateBPS":3499,"preauthAmount":null,"creditScoreThreshold":null,"pendingTxExpiration":"P14D","authorizedTxExpiration":"P90D","partialSettlementTxExpiration":"P0D","allowPartialSettlement":false,"policies":{"funding":{"merchantRefundPolicy":{"returnsMDRFee":false,"returnsTransactionFee":false,"returnsDownPaymentMDRFee":false,"returnsDownPaymentTransactionFee":false},"merchantChargebackPolicy":{"returnsMDRFee":false,"returnsTransactionFee":false,"returnsDownPaymentMDRFee":false,"returnsDownPaymentTransactionFee":false}}},"promotional":false,"startAt":"2025-03-19T14:50:00Z","endAt":null,"createdAt":"2025-03-19T14:49:25.073932Z","deletedAt":null}},{"paymentProduct":{"id":"e025985c-2e14-429a-8ec7-fc4ff6dbae50","programID":"2a1d717a-e4ea-43fc-9d2b-6844f06eda79","type":"INSTALLMENTS","name":"3 Month - Positive APR","description":"3 Month - Positive APR","numPayments":3,"paymentFrequency":"P1M","minInterestRateBPS":999,"maxInterestRateBPS":3499,"paymentMethodTypes":["ACH","DEBIT"],"autopayRequired":false,"requiredDownPaymentBPS":0,"legalAgreements":{},"policies":{"member":{"DisputePolicy":{"Reasons":["PRODUCT_NOT_RECEIVED","DAMAGED_OR_DEFECTIVE_PRODUCT","PRODUCT_NOT_AS_DESCRIBED","DUPLICATE_CHARGE","INCORRECT_CHARGE_AMOUNT","CANCELLATION_NOT_HONORED","RETURN_REFUSAL_NOT_HONORED","INCORRECT_CREDIT_ISSUED","DIFFERENT_PAYMENT_METHOD_USED","SERVICES_NOT_RENDERED","MISLEADING_MARKETING_MATERIAL","AUTHORIZATION_GIVEN_BY_THIRD_PARTY"],"Resolutions":["PRODUCT_NOT_RECEIVED","DAMAGED_OR_DEFECTIVE_PRODUCT","PRODUCT_NOT_AS_DESCRIBED","DUPLICATE_CHARGE","INCORRECT_CHARGE_AMOUNT","CANCELLATION_NOT_HONORED","RETURN_REFUSAL_NOT_HONORED","INCORRECT_CREDIT_ISSUED","DIFFERENT_PAYMENT_METHOD_USED","SERVICES_NOT_RENDERED","MISLEADING_MARKETING_MATERIAL","AUTHORIZATION_GIVEN_BY_THIRD_PARTY","INVALID_DISPUTE_INSUFFICIENT_EVIDENCE","DISPUTE_RESOLVED_BY_MERCHANT","CUSTOMER_WITHDRAWS_DISPUTE","OTHER"],"EligibilityWindowInDays":500000},"DelinquencyPolicy":{"Name":"DEFAULT_DELINQUENCY_POLICY","ChargeOffDaysPastDue":120,"CollectionsDaysPastDue":1},"CheckoutValidation":false,"AllowedPaymentMethods":["CHECK_PAYMENT","MANUAL_PAYMENT","EXTERNAL_COLLECTION","ACH","DEBIT_CARD"],"PaymentReminderPolicy":{"Manual":{"DaysInAdvance":[0,10]},"AutoPay":{"DaysInAdvance":[3],"HasSpecialInitialReminder":false},"FuturePayment":{"DaysInAdvance":[6]}},"CheckoutWorkflowPolicy":{"Name":"LOAN_CHECKOUT_WORKFLOW"},"OfferedStartDateOffset":0,"CheckoutStartDateOffset":0,"DisclosureGenerationPolicy":"ADS_IB_LOAN_DISCLOSURES","ScheduleGenerationCategory":{"Name":"STANDARD_DELAYED_START_FIXED_DAY","InterestRounding":"ROUND_DOWN"},"AutoWaiveInterestByMerchantRefund":true},"application":{"bof":{"processors":["KYC","FRAUD","SANCTIONS"],"disclosures":[{"type":"tila","requiresChecksum":false},{"type":"credit-score-notice","requiresChecksum":false},{"type":"loan-agreement","requiresChecksum":true}]},"checkout":{"actions":{"SERVICING":true,"TRANSACTION":true},"allowsUpdateToFinalLoanAmount":false}}},"workflowIDs":{"fraud":{"alloyWorkflowID":"IL"}},"createdAt":"2024-04-05T13:00:58.413462Z","deletedAt":null,"extendedAttributes":{},"allowExpirationExtension":true,"version":2,"drawPeriod":""},"merchantValues":{"id":"b492bd27-38f3-4725-937b-4a6e6628e2e3","programID":"2a1d717a-e4ea-43fc-9d2b-6844f06eda79","merchantID":"f762020f-48a1-475b-acad-f6812d4297d4","paymentProductID":"e025985c-2e14-429a-8ec7-fc4ff6dbae50","discountRateBPS":239,"downPaymentDiscountRateBPS":239,"downPaymentTransactionFee":{"currency":"USD","value":0},"transactionFee":{"currency":"USD","value":0},"minCartSize":{"currency":"USD","value":5000},"maxCartSize":{"currency":"USD","value":1000000},"minInterestRateBPS":999,"maxInterestRateBPS":3499,"preauthAmount":null,"creditScoreThreshold":null,"pendingTxExpiration":"P14D","authorizedTxExpiration":"P90D","partialSettlementTxExpiration":"P0D","allowPartialSettlement":false,"policies":{"funding":{"merchantRefundPolicy":{"returnsMDRFee":false,"returnsTransactionFee":false,"returnsDownPaymentMDRFee":false,"returnsDownPaymentTransactionFee":false},"merchantChargebackPolicy":{"returnsMDRFee":false,"returnsTransactionFee":false,"returnsDownPaymentMDRFee":false,"returnsDownPaymentTransactionFee":false}}},"promotional":false,"startAt":"2025-03-19T14:49:00Z","endAt":null,"createdAt":"2025-03-19T14:48:50.36749Z","deletedAt":null}},{"paymentProduct":{"id":"489b2d19-f53b-410d-887d-beafbf3c9c5a","programID":"2a1d717a-e4ea-43fc-9d2b-6844f06eda79","type":"INSTALLMENTS","name":"36 Month - Positive APR","description":"36 Month - Positive APR","numPayments":36,"paymentFrequency":"P1M","minInterestRateBPS":999,"maxInterestRateBPS":3499,"paymentMethodTypes":["ACH","DEBIT"],"autopayRequired":false,"requiredDownPaymentBPS":0,"legalAgreements":{},"policies":{"member":{"DisputePolicy":{"Reasons":["PRODUCT_NOT_RECEIVED","DAMAGED_OR_DEFECTIVE_PRODUCT","PRODUCT_NOT_AS_DESCRIBED","DUPLICATE_CHARGE","INCORRECT_CHARGE_AMOUNT","CANCELLATION_NOT_HONORED","RETURN_REFUSAL_NOT_HONORED","INCORRECT_CREDIT_ISSUED","DIFFERENT_PAYMENT_METHOD_USED","SERVICES_NOT_RENDERED","MISLEADING_MARKETING_MATERIAL","AUTHORIZATION_GIVEN_BY_THIRD_PARTY"],"Resolutions":["PRODUCT_NOT_RECEIVED","DAMAGED_OR_DEFECTIVE_PRODUCT","PRODUCT_NOT_AS_DESCRIBED","DUPLICATE_CHARGE","INCORRECT_CHARGE_AMOUNT","CANCELLATION_NOT_HONORED","RETURN_REFUSAL_NOT_HONORED","INCORRECT_CREDIT_ISSUED","DIFFERENT_PAYMENT_METHOD_USED","SERVICES_NOT_RENDERED","MISLEADING_MARKETING_MATERIAL","AUTHORIZATION_GIVEN_BY_THIRD_PARTY","INVALID_DISPUTE_INSUFFICIENT_EVIDENCE","DISPUTE_RESOLVED_BY_MERCHANT","CUSTOMER_WITHDRAWS_DISPUTE","OTHER"],"EligibilityWindowInDays":500000},"DelinquencyPolicy":{"Name":"DEFAULT_DELINQUENCY_POLICY","ChargeOffDaysPastDue":120,"CollectionsDaysPastDue":1},"CheckoutValidation":false,"AllowedPaymentMethods":["CHECK_PAYMENT","MANUAL_PAYMENT","EXTERNAL_COLLECTION","ACH","DEBIT_CARD"],"PaymentReminderPolicy":{"Manual":{"DaysInAdvance":[0,10]},"AutoPay":{"DaysInAdvance":[3],"HasSpecialInitialReminder":false},"FuturePayment":{"DaysInAdvance":[6]}},"CheckoutWorkflowPolicy":{"Name":"LOAN_CHECKOUT_WORKFLOW"},"OfferedStartDateOffset":0,"CheckoutStartDateOffset":0,"DisclosureGenerationPolicy":"ADS_IB_LOAN_DISCLOSURES","ScheduleGenerationCategory":{"Name":"STANDARD_DELAYED_START_FIXED_DAY","InterestRounding":"ROUND_DOWN"},"AutoWaiveInterestByMerchantRefund":true},"application":{"bof":{"processors":["KYC","FRAUD","SANCTIONS"],"disclosures":[{"type":"tila","requiresChecksum":false},{"type":"credit-score-notice","requiresChecksum":false},{"type":"loan-agreement","requiresChecksum":true}]},"checkout":{"actions":{"SERVICING":true,"TRANSACTION":true},"allowsUpdateToFinalLoanAmount":false}}},"workflowIDs":{"fraud":{"alloyWorkflowID":"IL"}},"createdAt":"2024-04-05T13:00:57.362558Z","deletedAt":null,"extendedAttributes":{},"allowExpirationExtension":true,"version":2,"drawPeriod":""},"merchantValues":{"id":"e88b5f57-a0ed-4e80-9853-cdb74b497639","programID":"2a1d717a-e4ea-43fc-9d2b-6844f06eda79","merchantID":"f762020f-48a1-475b-acad-f6812d4297d4","paymentProductID":"489b2d19-f53b-410d-887d-beafbf3c9c5a","discountRateBPS":239,"downPaymentDiscountRateBPS":239,"downPaymentTransactionFee":{"currency":"USD","value":0},"transactionFee":{"currency":"USD","value":0},"minCartSize":{"currency":"USD","value":5000},"maxCartSize":{"currency":"USD","value":1000000},"minInterestRateBPS":999,"maxInterestRateBPS":3499,"preauthAmount":null,"creditScoreThreshold":null,"pendingTxExpiration":"P14D","authorizedTxExpiration":"P90D","partialSettlementTxExpiration":"P0D","allowPartialSettlement":false,"policies":{"funding":{"merchantRefundPolicy":{"returnsMDRFee":false,"returnsTransactionFee":false,"returnsDownPaymentMDRFee":false,"returnsDownPaymentTransactionFee":false},"merchantChargebackPolicy":{"returnsMDRFee":false,"returnsTransactionFee":false,"returnsDownPaymentMDRFee":false,"returnsDownPaymentTransactionFee":false}}},"promotional":false,"startAt":"2025-05-12T19:51:00Z","endAt":null,"createdAt":"2025-05-12T19:50:40.144294Z","deletedAt":null}},{"paymentProduct":{"id":"44f3c64c-ca42-433c-8dd3-27214837ef4b","programID":"2a1d717a-e4ea-43fc-9d2b-6844f06eda79","type":"INSTALLMENTS","name":"24 Month - Positive APR","description":"24 Month - Positive APR","numPayments":24,"paymentFrequency":"P1M","minInterestRateBPS":999,"maxInterestRateBPS":3499,"paymentMethodTypes":["ACH","DEBIT"],"autopayRequired":false,"requiredDownPaymentBPS":0,"legalAgreements":{},"policies":{"member":{"DisputePolicy":{"Reasons":["PRODUCT_NOT_RECEIVED","DAMAGED_OR_DEFECTIVE_PRODUCT","PRODUCT_NOT_AS_DESCRIBED","DUPLICATE_CHARGE","INCORRECT_CHARGE_AMOUNT","CANCELLATION_NOT_HONORED","RETURN_REFUSAL_NOT_HONORED","INCORRECT_CREDIT_ISSUED","DIFFERENT_PAYMENT_METHOD_USED","SERVICES_NOT_RENDERED","MISLEADING_MARKETING_MATERIAL","AUTHORIZATION_GIVEN_BY_THIRD_PARTY"],"Resolutions":["PRODUCT_NOT_RECEIVED","DAMAGED_OR_DEFECTIVE_PRODUCT","PRODUCT_NOT_AS_DESCRIBED","DUPLICATE_CHARGE","INCORRECT_CHARGE_AMOUNT","CANCELLATION_NOT_HONORED","RETURN_REFUSAL_NOT_HONORED","INCORRECT_CREDIT_ISSUED","DIFFERENT_PAYMENT_METHOD_USED","SERVICES_NOT_RENDERED","MISLEADING_MARKETING_MATERIAL","AUTHORIZATION_GIVEN_BY_THIRD_PARTY","INVALID_DISPUTE_INSUFFICIENT_EVIDENCE","DISPUTE_RESOLVED_BY_MERCHANT","CUSTOMER_WITHDRAWS_DISPUTE","OTHER"],"EligibilityWindowInDays":500000},"DelinquencyPolicy":{"Name":"DEFAULT_DELINQUENCY_POLICY","ChargeOffDaysPastDue":120,"CollectionsDaysPastDue":1},"CheckoutValidation":false,"AllowedPaymentMethods":["CHECK_PAYMENT","MANUAL_PAYMENT","EXTERNAL_COLLECTION","ACH","DEBIT_CARD"],"PaymentReminderPolicy":{"Manual":{"DaysInAdvance":[0,10]},"AutoPay":{"DaysInAdvance":[3],"HasSpecialInitialReminder":false},"FuturePayment":{"DaysInAdvance":[6]}},"CheckoutWorkflowPolicy":{"Name":"LOAN_CHECKOUT_WORKFLOW"},"OfferedStartDateOffset":0,"CheckoutStartDateOffset":0,"DisclosureGenerationPolicy":"ADS_IB_LOAN_DISCLOSURES","ScheduleGenerationCategory":{"Name":"STANDARD_DELAYED_START_FIXED_DAY","InterestRounding":"ROUND_DOWN"},"AutoWaiveInterestByMerchantRefund":true},"application":{"bof":{"processors":["KYC","FRAUD","SANCTIONS"],"disclosures":[{"type":"tila","requiresChecksum":false},{"type":"credit-score-notice","requiresChecksum":false},{"type":"loan-agreement","requiresChecksum":true}]},"checkout":{"actions":{"SERVICING":true,"TRANSACTION":true},"allowsUpdateToFinalLoanAmount":false}}},"workflowIDs":{"fraud":{"alloyWorkflowID":"IL"}},"createdAt":"2024-04-05T13:00:56.885404Z","deletedAt":null,"extendedAttributes":{},"allowExpirationExtension":true,"version":2,"drawPeriod":""},"merchantValues":{"id":"2e6b342c-ed2f-4cfb-b7bf-654d03f636f2","programID":"2a1d717a-e4ea-43fc-9d2b-6844f06eda79","merchantID":"f762020f-48a1-475b-acad-f6812d4297d4","paymentProductID":"44f3c64c-ca42-433c-8dd3-27214837ef4b","discountRateBPS":239,"downPaymentDiscountRateBPS":239,"downPaymentTransactionFee":{"currency":"USD","value":0},"transactionFee":{"currency":"USD","value":0},"minCartSize":{"currency":"USD","value":5000},"maxCartSize":{"currency":"USD","value":1000000},"minInterestRateBPS":999,"maxInterestRateBPS":3499,"preauthAmount":null,"creditScoreThreshold":null,"pendingTxExpiration":"P14D","authorizedTxExpiration":"P90D","partialSettlementTxExpiration":"P0D","allowPartialSettlement":false,"policies":{"funding":{"merchantRefundPolicy":{"returnsMDRFee":false,"returnsTransactionFee":false,"returnsDownPaymentMDRFee":false,"returnsDownPaymentTransactionFee":false},"merchantChargebackPolicy":{"returnsMDRFee":false,"returnsTransactionFee":false,"returnsDownPaymentMDRFee":false,"returnsDownPaymentTransactionFee":false}}},"promotional":false,"startAt":"2025-05-12T19:52:00Z","endAt":null,"createdAt":"2025-05-12T19:51:17.919192Z","deletedAt":null}},{"paymentProduct":{"id":"300f9ff2-f1b9-4356-88f7-ea5da8d6bef2","programID":"2a1d717a-e4ea-43fc-9d2b-6844f06eda79","type":"INSTALLMENTS","name":"12 Month - Positive APR","description":"12 Month - Positive APR","numPayments":12,"paymentFrequency":"P1M","minInterestRateBPS":999,"maxInterestRateBPS":3499,"paymentMethodTypes":["ACH","DEBIT"],"autopayRequired":false,"requiredDownPaymentBPS":0,"legalAgreements":{},"policies":{"member":{"DisputePolicy":{"Reasons":["PRODUCT_NOT_RECEIVED","DAMAGED_OR_DEFECTIVE_PRODUCT","PRODUCT_NOT_AS_DESCRIBED","DUPLICATE_CHARGE","INCORRECT_CHARGE_AMOUNT","CANCELLATION_NOT_HONORED","RETURN_REFUSAL_NOT_HONORED","INCORRECT_CREDIT_ISSUED","DIFFERENT_PAYMENT_METHOD_USED","SERVICES_NOT_RENDERED","MISLEADING_MARKETING_MATERIAL","AUTHORIZATION_GIVEN_BY_THIRD_PARTY"],"Resolutions":["PRODUCT_NOT_RECEIVED","DAMAGED_OR_DEFECTIVE_PRODUCT","PRODUCT_NOT_AS_DESCRIBED","DUPLICATE_CHARGE","INCORRECT_CHARGE_AMOUNT","CANCELLATION_NOT_HONORED","RETURN_REFUSAL_NOT_HONORED","INCORRECT_CREDIT_ISSUED","DIFFERENT_PAYMENT_METHOD_USED","SERVICES_NOT_RENDERED","MISLEADING_MARKETING_MATERIAL","AUTHORIZATION_GIVEN_BY_THIRD_PARTY","INVALID_DISPUTE_INSUFFICIENT_EVIDENCE","DISPUTE_RESOLVED_BY_MERCHANT","CUSTOMER_WITHDRAWS_DISPUTE","OTHER"],"EligibilityWindowInDays":500000},"DelinquencyPolicy":{"Name":"DEFAULT_DELINQUENCY_POLICY","ChargeOffDaysPastDue":120,"CollectionsDaysPastDue":1},"CheckoutValidation":false,"AllowedPaymentMethods":["CHECK_PAYMENT","MANUAL_PAYMENT","EXTERNAL_COLLECTION","ACH","DEBIT_CARD"],"PaymentReminderPolicy":{"Manual":{"DaysInAdvance":[0,10]},"AutoPay":{"DaysInAdvance":[3],"HasSpecialInitialReminder":false},"FuturePayment":{"DaysInAdvance":[6]}},"CheckoutWorkflowPolicy":{"Name":"LOAN_CHECKOUT_WORKFLOW"},"OfferedStartDateOffset":0,"CheckoutStartDateOffset":0,"DisclosureGenerationPolicy":"ADS_IB_LOAN_DISCLOSURES","ScheduleGenerationCategory":{"Name":"STANDARD_DELAYED_START_FIXED_DAY","InterestRounding":"ROUND_DOWN"},"AutoWaiveInterestByMerchantRefund":true},"application":{"bof":{"processors":["KYC","FRAUD","SANCTIONS"],"disclosures":[{"type":"tila","requiresChecksum":false},{"type":"credit-score-notice","requiresChecksum":false},{"type":"loan-agreement","requiresChecksum":true}]},"checkout":{"actions":{"SERVICING":true,"TRANSACTION":true},"allowsUpdateToFinalLoanAmount":false}}},"workflowIDs":{"fraud":{"alloyWorkflowID":"IL"}},"createdAt":"2024-04-05T13:00:55.903005Z","deletedAt":null,"extendedAttributes":{},"allowExpirationExtension":true,"version":2,"drawPeriod":""},"merchantValues":{"id":"b31c5a62-3530-40f0-9146-77f289f45c50","programID":"2a1d717a-e4ea-43fc-9d2b-6844f06eda79","merchantID":"f762020f-48a1-475b-acad-f6812d4297d4","paymentProductID":"300f9ff2-f1b9-4356-88f7-ea5da8d6bef2","discountRateBPS":239,"downPaymentDiscountRateBPS":239,"downPaymentTransactionFee":{"currency":"USD","value":0},"transactionFee":{"currency":"USD","value":0},"minCartSize":{"currency":"USD","value":5000},"maxCartSize":{"currency":"USD","value":1000000},"minInterestRateBPS":999,"maxInterestRateBPS":3499,"preauthAmount":null,"creditScoreThreshold":null,"pendingTxExpiration":"P14D","authorizedTxExpiration":"P90D","partialSettlementTxExpiration":"P0D","allowPartialSettlement":false,"policies":{"funding":{"merchantRefundPolicy":{"returnsMDRFee":false,"returnsTransactionFee":false,"returnsDownPaymentMDRFee":false,"returnsDownPaymentTransactionFee":false},"merchantChargebackPolicy":{"returnsMDRFee":false,"returnsTransactionFee":false,"returnsDownPaymentMDRFee":false,"returnsDownPaymentTransactionFee":false}}},"promotional":false,"startAt":"2025-03-19T14:51:00Z","endAt":null,"createdAt":"2025-03-19T14:50:15.547008Z","deletedAt":null}},{"paymentProduct":{"id":"24ff6cdd-96aa-4719-9ec6-154ec29658f6","programID":"2a1d717a-e4ea-43fc-9d2b-6844f06eda79","type":"INSTALLMENTS","name":"3 Month - 0% APR","description":"3 Month - 0% APR","numPayments":3,"paymentFrequency":"P1M","minInterestRateBPS":0,"maxInterestRateBPS":0,"paymentMethodTypes":["ACH","DEBIT"],"autopayRequired":false,"requiredDownPaymentBPS":0,"legalAgreements":{},"policies":{"member":{"DisputePolicy":{"Reasons":["PRODUCT_NOT_RECEIVED","DAMAGED_OR_DEFECTIVE_PRODUCT","PRODUCT_NOT_AS_DESCRIBED","DUPLICATE_CHARGE","INCORRECT_CHARGE_AMOUNT","CANCELLATION_NOT_HONORED","RETURN_REFUSAL_NOT_HONORED","INCORRECT_CREDIT_ISSUED","DIFFERENT_PAYMENT_METHOD_USED","SERVICES_NOT_RENDERED","MISLEADING_MARKETING_MATERIAL","AUTHORIZATION_GIVEN_BY_THIRD_PARTY"],"Resolutions":["PRODUCT_NOT_RECEIVED","DAMAGED_OR_DEFECTIVE_PRODUCT","PRODUCT_NOT_AS_DESCRIBED","DUPLICATE_CHARGE","INCORRECT_CHARGE_AMOUNT","CANCELLATION_NOT_HONORED","RETURN_REFUSAL_NOT_HONORED","INCORRECT_CREDIT_ISSUED","DIFFERENT_PAYMENT_METHOD_USED","SERVICES_NOT_RENDERED","MISLEADING_MARKETING_MATERIAL","AUTHORIZATION_GIVEN_BY_THIRD_PARTY","INVALID_DISPUTE_INSUFFICIENT_EVIDENCE","DISPUTE_RESOLVED_BY_MERCHANT","CUSTOMER_WITHDRAWS_DISPUTE","OTHER"],"EligibilityWindowInDays":500000},"DelinquencyPolicy":{"Name":"DEFAULT_DELINQUENCY_POLICY","ChargeOffDaysPastDue":120,"CollectionsDaysPastDue":1},"CheckoutValidation":false,"AllowedPaymentMethods":["CHECK_PAYMENT","MANUAL_PAYMENT","EXTERNAL_COLLECTION","ACH","DEBIT_CARD"],"PaymentReminderPolicy":{"Manual":{"DaysInAdvance":[0,10]},"AutoPay":{"DaysInAdvance":[3],"HasSpecialInitialReminder":false},"FuturePayment":{"DaysInAdvance":[6]}},"CheckoutWorkflowPolicy":{"Name":"LOAN_CHECKOUT_WORKFLOW"},"OfferedStartDateOffset":0,"CheckoutStartDateOffset":0,"DisclosureGenerationPolicy":"ADS_IB_LOAN_DISCLOSURES","ScheduleGenerationCategory":{"Name":"STANDARD_DELAYED_START_FIXED_DAY","InterestRounding":"ROUND_DOWN"},"AutoWaiveInterestByMerchantRefund":true},"application":{"bof":{"processors":["KYC","FRAUD","SANCTIONS"],"disclosures":[{"type":"tila","requiresChecksum":false},{"type":"credit-score-notice","requiresChecksum":false},{"type":"loan-agreement","requiresChecksum":true}]},"checkout":{"actions":{"SERVICING":true,"TRANSACTION":true},"allowsUpdateToFinalLoanAmount":false}}},"workflowIDs":{"fraud":{"alloyWorkflowID":"IL"}},"createdAt":"2021-07-26T20:26:49.731301Z","deletedAt":null,"extendedAttributes":{},"allowExpirationExtension":true,"version":1,"drawPeriod":""},"merchantValues":{"id":"6b4d027c-04fe-42e2-9e4d-b9bf51a668e2","programID":"2a1d717a-e4ea-43fc-9d2b-6844f06eda79","merchantID":"f762020f-48a1-475b-acad-f6812d4297d4","paymentProductID":"24ff6cdd-96aa-4719-9ec6-154ec29658f6","discountRateBPS":490,"downPaymentDiscountRateBPS":239,"downPaymentTransactionFee":{"currency":"USD","value":0},"transactionFee":{"currency":"USD","value":0},"minCartSize":{"currency":"USD","value":5000},"maxCartSize":{"currency":"USD","value":1000000},"minInterestRateBPS":0,"maxInterestRateBPS":0,"preauthAmount":null,"creditScoreThreshold":700,"pendingTxExpiration":"P14D","authorizedTxExpiration":"P90D","partialSettlementTxExpiration":"P0D","allowPartialSettlement":false,"policies":{"funding":{"merchantRefundPolicy":{"returnsMDRFee":false,"returnsTransactionFee":false,"returnsDownPaymentMDRFee":false,"returnsDownPaymentTransactionFee":false},"merchantChargebackPolicy":{"returnsMDRFee":false,"returnsTransactionFee":false,"returnsDownPaymentMDRFee":false,"returnsDownPaymentTransactionFee":false}}},"promotional":false,"startAt":"2025-07-08T16:36:00Z","endAt":null,"createdAt":"2025-07-08T16:35:05.089148Z","deletedAt":null}},{"paymentProduct":{"id":"6db06e96-2572-4e62-8787-5e2affdf70e8","programID":"2a1d717a-e4ea-43fc-9d2b-6844f06eda79","type":"INSTALLMENTS","name":"6 Month - 0% APR","description":"6 Month - 0% APR","numPayments":6,"paymentFrequency":"P1M","minInterestRateBPS":0,"maxInterestRateBPS":0,"paymentMethodTypes":["ACH","DEBIT"],"autopayRequired":false,"requiredDownPaymentBPS":0,"legalAgreements":{},"policies":{"member":{"DisputePolicy":{"Reasons":["PRODUCT_NOT_RECEIVED","DAMAGED_OR_DEFECTIVE_PRODUCT","PRODUCT_NOT_AS_DESCRIBED","DUPLICATE_CHARGE","INCORRECT_CHARGE_AMOUNT","CANCELLATION_NOT_HONORED","RETURN_REFUSAL_NOT_HONORED","INCORRECT_CREDIT_ISSUED","DIFFERENT_PAYMENT_METHOD_USED","SERVICES_NOT_RENDERED","MISLEADING_MARKETING_MATERIAL","AUTHORIZATION_GIVEN_BY_THIRD_PARTY"],"Resolutions":["PRODUCT_NOT_RECEIVED","DAMAGED_OR_DEFECTIVE_PRODUCT","PRODUCT_NOT_AS_DESCRIBED","DUPLICATE_CHARGE","INCORRECT_CHARGE_AMOUNT","CANCELLATION_NOT_HONORED","RETURN_REFUSAL_NOT_HONORED","INCORRECT_CREDIT_ISSUED","DIFFERENT_PAYMENT_METHOD_USED","SERVICES_NOT_RENDERED","MISLEADING_MARKETING_MATERIAL","AUTHORIZATION_GIVEN_BY_THIRD_PARTY","INVALID_DISPUTE_INSUFFICIENT_EVIDENCE","DISPUTE_RESOLVED_BY_MERCHANT","CUSTOMER_WITHDRAWS_DISPUTE","OTHER"],"EligibilityWindowInDays":500000},"DelinquencyPolicy":{"Name":"DEFAULT_DELINQUENCY_POLICY","ChargeOffDaysPastDue":120,"CollectionsDaysPastDue":1},"CheckoutValidation":false,"AllowedPaymentMethods":["CHECK_PAYMENT","MANUAL_PAYMENT","EXTERNAL_COLLECTION","ACH","DEBIT_CARD"],"PaymentReminderPolicy":{"Manual":{"DaysInAdvance":[0,10]},"AutoPay":{"DaysInAdvance":[3],"HasSpecialInitialReminder":false},"FuturePayment":{"DaysInAdvance":[6]}},"CheckoutWorkflowPolicy":{"Name":"LOAN_CHECKOUT_WORKFLOW"},"OfferedStartDateOffset":0,"CheckoutStartDateOffset":0,"DisclosureGenerationPolicy":"ADS_IB_LOAN_DISCLOSURES","ScheduleGenerationCategory":{"Name":"STANDARD_DELAYED_START_FIXED_DAY","InterestRounding":"ROUND_DOWN"},"AutoWaiveInterestByMerchantRefund":true},"application":{"bof":{"processors":["KYC","FRAUD","SANCTIONS"],"disclosures":[{"type":"tila","requiresChecksum":false},{"type":"credit-score-notice","requiresChecksum":false},{"type":"loan-agreement","requiresChecksum":true}]},"checkout":{"actions":{"SERVICING":true,"TRANSACTION":true},"allowsUpdateToFinalLoanAmount":false}}},"workflowIDs":{"fraud":{"alloyWorkflowID":"IL"}},"createdAt":"2021-07-02T15:22:55.339257Z","deletedAt":null,"extendedAttributes":{},"allowExpirationExtension":true,"version":1,"drawPeriod":""},"merchantValues":{"id":"efc48a7b-e776-44f4-a509-c4bc94391082","programID":"2a1d717a-e4ea-43fc-9d2b-6844f06eda79","merchantID":"f762020f-48a1-475b-acad-f6812d4297d4","paymentProductID":"6db06e96-2572-4e62-8787-5e2affdf70e8","discountRateBPS":690,"downPaymentDiscountRateBPS":239,"downPaymentTransactionFee":{"currency":"USD","value":0},"transactionFee":{"currency":"USD","value":0},"minCartSize":{"currency":"USD","value":5000},"maxCartSize":{"currency":"USD","value":1000000},"minInterestRateBPS":0,"maxInterestRateBPS":0,"preauthAmount":null,"creditScoreThreshold":700,"pendingTxExpiration":"P14D","authorizedTxExpiration":"P90D","partialSettlementTxExpiration":"P0D","allowPartialSettlement":false,"policies":{"funding":{"merchantRefundPolicy":{"returnsMDRFee":false,"returnsTransactionFee":false,"returnsDownPaymentMDRFee":false,"returnsDownPaymentTransactionFee":false},"merchantChargebackPolicy":{"returnsMDRFee":false,"returnsTransactionFee":false,"returnsDownPaymentMDRFee":false,"returnsDownPaymentTransactionFee":false}}},"promotional":false,"startAt":"2025-07-08T16:36:00Z","endAt":null,"createdAt":"2025-07-08T16:35:27.155992Z","deletedAt":null}},{"paymentProduct":{"id":"6268946e-51b8-4db9-9343-5826decead21","programID":"2a1d717a-e4ea-43fc-9d2b-6844f06eda79","type":"INSTALLMENTS","name":"12 Month - 0% APR","description":"12 Month - 0% APR","numPayments":12,"paymentFrequency":"P1M","minInterestRateBPS":0,"maxInterestRateBPS":0,"paymentMethodTypes":["ACH","DEBIT"],"autopayRequired":false,"requiredDownPaymentBPS":0,"legalAgreements":{},"policies":{"member":{"DisputePolicy":{"Reasons":["PRODUCT_NOT_RECEIVED","DAMAGED_OR_DEFECTIVE_PRODUCT","PRODUCT_NOT_AS_DESCRIBED","DUPLICATE_CHARGE","INCORRECT_CHARGE_AMOUNT","CANCELLATION_NOT_HONORED","RETURN_REFUSAL_NOT_HONORED","INCORRECT_CREDIT_ISSUED","DIFFERENT_PAYMENT_METHOD_USED","SERVICES_NOT_RENDERED","MISLEADING_MARKETING_MATERIAL","AUTHORIZATION_GIVEN_BY_THIRD_PARTY"],"Resolutions":["PRODUCT_NOT_RECEIVED","DAMAGED_OR_DEFECTIVE_PRODUCT","PRODUCT_NOT_AS_DESCRIBED","DUPLICATE_CHARGE","INCORRECT_CHARGE_AMOUNT","CANCELLATION_NOT_HONORED","RETURN_REFUSAL_NOT_HONORED","INCORRECT_CREDIT_ISSUED","DIFFERENT_PAYMENT_METHOD_USED","SERVICES_NOT_RENDERED","MISLEADING_MARKETING_MATERIAL","AUTHORIZATION_GIVEN_BY_THIRD_PARTY","INVALID_DISPUTE_INSUFFICIENT_EVIDENCE","DISPUTE_RESOLVED_BY_MERCHANT","CUSTOMER_WITHDRAWS_DISPUTE","OTHER"],"EligibilityWindowInDays":500000},"DelinquencyPolicy":{"Name":"DEFAULT_DELINQUENCY_POLICY","ChargeOffDaysPastDue":120,"CollectionsDaysPastDue":1},"CheckoutValidation":false,"AllowedPaymentMethods":["CHECK_PAYMENT","MANUAL_PAYMENT","EXTERNAL_COLLECTION","ACH","DEBIT_CARD"],"PaymentReminderPolicy":{"Manual":{"DaysInAdvance":[0,10]},"AutoPay":{"DaysInAdvance":[3],"HasSpecialInitialReminder":false},"FuturePayment":{"DaysInAdvance":[6]}},"CheckoutWorkflowPolicy":{"Name":"LOAN_CHECKOUT_WORKFLOW"},"OfferedStartDateOffset":0,"CheckoutStartDateOffset":0,"DisclosureGenerationPolicy":"ADS_IB_LOAN_DISCLOSURES","ScheduleGenerationCategory":{"Name":"STANDARD_DELAYED_START_FIXED_DAY","InterestRounding":"ROUND_DOWN"},"AutoWaiveInterestByMerchantRefund":true},"application":{"bof":{"processors":["KYC","FRAUD","SANCTIONS"],"disclosures":[{"type":"tila","requiresChecksum":false},{"type":"credit-score-notice","requiresChecksum":false},{"type":"loan-agreement","requiresChecksum":true}]},"checkout":{"actions":{"SERVICING":true,"TRANSACTION":true},"allowsUpdateToFinalLoanAmount":false}}},"workflowIDs":{"fraud":{"alloyWorkflowID":"IL"}},"createdAt":"2021-07-02T15:22:23.038727Z","deletedAt":null,"extendedAttributes":{},"allowExpirationExtension":true,"version":1,"drawPeriod":""},"merchantValues":{"id":"4cb190b1-1d91-42ae-b3ac-0779c788a789","programID":"2a1d717a-e4ea-43fc-9d2b-6844f06eda79","merchantID":"f762020f-48a1-475b-acad-f6812d4297d4","paymentProductID":"6268946e-51b8-4db9-9343-5826decead21","discountRateBPS":890,"downPaymentDiscountRateBPS":239,"downPaymentTransactionFee":{"currency":"USD","value":0},"transactionFee":{"currency":"USD","value":0},"minCartSize":{"currency":"USD","value":5000},"maxCartSize":{"currency":"USD","value":1000000},"minInterestRateBPS":0,"maxInterestRateBPS":0,"preauthAmount":null,"creditScoreThreshold":700,"pendingTxExpiration":"P14D","authorizedTxExpiration":"P90D","partialSettlementTxExpiration":"P0D","allowPartialSettlement":false,"policies":{"funding":{"merchantRefundPolicy":{"returnsMDRFee":false,"returnsTransactionFee":false,"returnsDownPaymentMDRFee":false,"returnsDownPaymentTransactionFee":false},"merchantChargebackPolicy":{"returnsMDRFee":false,"returnsTransactionFee":false,"returnsDownPaymentMDRFee":false,"returnsDownPaymentTransactionFee":false}}},"promotional":false,"startAt":"2025-07-08T16:36:00Z","endAt":null,"createdAt":"2025-07-08T16:35:48.355837Z","deletedAt":null}}],"merchantProgramValues":{"id":"c6cf7bac-6bf4-423e-93f4-e0af3b585c78","merchantID":"f762020f-48a1-475b-acad-f6812d4297d4","programID":"2a1d717a-e4ea-43fc-9d2b-6844f06eda79","defaultOTPMethod":"SMS","defaultCartAmount":{"currency":"USD","value":100000},"policies":{"virtualCardSettings":{"enabled":false,"provider":""}},"capabilities":{"downPayment":{"installments":true},"deferredDelivery":false},"derivedCapabilities":{"downPayment":{"installments":true},"deferredDelivery":false},"createdAt":"2026-01-26T21:30:03.986367Z","deletedAt":null,"tofProcessors":"","applicationExpiration":"P7D","allowRescission":false},"merchantConfig":{"logoUrl":"https://assets.platform.breadpayments.com/merchant_portal/f762020f-48a1-475b-acad-f6812d4297d4/2a1d717a-e4ea-43fc-9d2b-6844f06eda79/checkout-logo/spinlife-logo.png","merchantTier":1,"checkoutPrimaryColor":"#361754","paymentMethodDisplay":"Pay Over Time","checkoutSecondaryColor":"#5156ea","disclosureSymbolSplitpay":"**","disclosureSymbolInstallments":"*","noOrderPromoTextInstallments":"Low monthly payments"},"program":{"id":"2a1d717a-e4ea-43fc-9d2b-6844f06eda79","tenantID":"4dd7ecd9-e1f0-4fc1-ba5f-66a96f3ba970","name":"Bread Pay","channel":"ECOMM","currency":"USD","defaultLanguage":"en-us","displayInterestRateBPS":999,"policies":{"application":{"tof":{"processors":["DECISION"]}},"eligibility":{"country":"US","regions":["AL","AK","AZ","AR","CA","CO","CT","DE","FL","GA","HI","ID","IL","IN","IA","KS","KY","LA","ME","MD","MA","MI","MN","MS","MO","MT","NE","NV","NH","NJ","NM","NY","NC","ND","OH","OK","OR","PA","RI","SC","SD","TN","TX","UT","VT","VA","WA","WV","WI","WY","DC"],"buyerStatuses":["ACTIVE","INSOLVENT"]},"transaction":{"paymentPerFundingEvent":false,"supportsMultipleMerchantFunding":false}},"capabilities":{"downPayment":{"installments":true},"deferredDelivery":false},"checkoutMode":null,"createdAt":"2021-05-04T20:19:57.326571Z","deletedAt":null,"programGroup":"Bread Pay","checkoutChannel":"Ecomm"},"merchantDetails":{"id":"f762020f-48a1-475b-acad-f6812d4297d4","name":"SpinLife","url":"https://www.spinlife.com/","merchantLogo":"","borrowRatioBPS":400,"hipaaRestricted":true,"phoneNumber":"6145641400","posCheckoutCapability":null,"instorePickupAvailable":false,"canViewCapacity":true}}