Getting an Access Token
Request a token with your service account, send it on every call, and request a new one when it expires after an hour.
Runs on: Web browser. Your tech team signs in on the web and builds the integration into your own loan system.
Quick Reference
Call Obtain access token with your service account username and password.
Send it as a URL-encoded form with the password grant type.
Put the token in the Authorization header as a Bearer token on every other call.
Request a new token every hour.
Before You Start
You have the service account username and password for the environment you're calling.
You're signed in to the Developer Portal.
Step 1 — Request the Token
Call Obtain access token
In Documentation, open Auth and select Obtain access token. Send your service account username and password with the OAuth 2.0 password grant, as a URL-encoded form.
Read the response
A successful call returns the access token, its type (bearer) and how many seconds it lasts. A wrong username or password returns an invalid grant error.
Step 2 — Send It on Every Call
Add the Authorization header
Every call except the token request carries the token as a Bearer token in the Authorization header.
Authorization: Bearer YOUR_ACCESS_TOKENStep 3 — Renew It Every Hour
Request a new token when it expires
Tokens last one hour (3,600 seconds). Request a new one before it runs out, or as soon as a call fails because the token expired.
Tips
DO
- •Reuse one token for all calls until it expires.
- •Request tokens from your server, never from a browser or a phone app.
- •Use the Stage service account while you build and test.
WATCH FOR
- •Send the token request as a URL-encoded form, not JSON.
- •Never log or share the token or the service account password.
- •Tokens expire after one hour.
Troubleshooting
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