curl --request POST \
  --url https://api.payvessel.com/kyc/api/v1/merchant/risk/credit-score/query \
  --header 'Content-Type: <content-type>' \
  --header 'api-key: <api-key>' \
  --header 'api-secret: <api-secret>' \
  --data '
{
  "mobile_no": "08012345678",
  "id_number": "22123456789",
  "extend_info": {
    "channel": "web",
    "product": "consumer-loan"
  }
}
'

import requests

url = "https://api.payvessel.com/kyc/api/v1/merchant/risk/credit-score/query"

payload = {
    "mobile_no": "08012345678",
    "id_number": "22123456789",
    "extend_info": {
        "channel": "web",
        "product": "consumer-loan"
    }
}
headers = {
    "api-key": "<api-key>",
    "api-secret": "<api-secret>",
    "Content-Type": "<content-type>"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {
    'api-key': '<api-key>',
    'api-secret': '<api-secret>',
    'Content-Type': '<content-type>'
  },
  body: JSON.stringify({
    mobile_no: '08012345678',
    id_number: '22123456789',
    extend_info: {channel: 'web', product: 'consumer-loan'}
  })
};

fetch('https://api.payvessel.com/kyc/api/v1/merchant/risk/credit-score/query', 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://api.payvessel.com/kyc/api/v1/merchant/risk/credit-score/query",
  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([
    'mobile_no' => '08012345678',
    'id_number' => '22123456789',
    'extend_info' => [
        'channel' => 'web',
        'product' => 'consumer-loan'
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: <content-type>",
    "api-key: <api-key>",
    "api-secret: <api-secret>"
  ],
]);

$response = curl_exec($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://api.payvessel.com/kyc/api/v1/merchant/risk/credit-score/query"

	payload := strings.NewReader("{\n  \"mobile_no\": \"08012345678\",\n  \"id_number\": \"22123456789\",\n  \"extend_info\": {\n    \"channel\": \"web\",\n    \"product\": \"consumer-loan\"\n  }\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("api-key", "<api-key>")
	req.Header.Add("api-secret", "<api-secret>")
	req.Header.Add("Content-Type", "<content-type>")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.payvessel.com/kyc/api/v1/merchant/risk/credit-score/query")
  .header("api-key", "<api-key>")
  .header("api-secret", "<api-secret>")
  .header("Content-Type", "<content-type>")
  .body("{\n  \"mobile_no\": \"08012345678\",\n  \"id_number\": \"22123456789\",\n  \"extend_info\": {\n    \"channel\": \"web\",\n    \"product\": \"consumer-loan\"\n  }\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.payvessel.com/kyc/api/v1/merchant/risk/credit-score/query")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["api-key"] = '<api-key>'
request["api-secret"] = '<api-secret>'
request["Content-Type"] = '<content-type>'
request.body = "{\n  \"mobile_no\": \"08012345678\",\n  \"id_number\": \"22123456789\",\n  \"extend_info\": {\n    \"channel\": \"web\",\n    \"product\": \"consumer-loan\"\n  }\n}"

response = http.request(request)
puts response.read_body

{
  "success": true,
  "message": "Credit score query completed successfully",
  "data": {
    "credit_score": "742",
    "version": "v1.0",
    "request_id": "CSQ-20260402-0001"
  },
  "charges": {
    "charged": false,
    "charged_amount": "0.00"
  }
}

{
  "success": false,
  "message": "Your wallet balance is insufficient for this request. Required 25.00, available 0. Please fund your wallet and try again.",
  "details": [
    "Your wallet balance is insufficient for this request. Required 25.00, available 0. Please fund your wallet and try again."
  ]
}