Products
creditIncluded with /v1/parse
Swippee Liabilities
Detect EMI obligations and attribute them to lenders.
Surfaces the applicant's repayment commitments. Parses MPAY SWIFT-bank-code prefixes (NMBBNPKA, SIDDNPKA, etc.) out of transaction descriptions to identify which Nepali banks the customer is repaying.
Method
GET
Endpoint
/v1/reports/:id/liabilities
Billing
Included
Quick action
POST /v1/parse then fetch this endpoint
Primary intent
Evaluate applicants faster with structured output
Compliance
Trace decisions to report IDs and signed events
One parse, many views
Fetch this product from the same report ID without re-uploading the customer statement.
Developer shaped
Stable JSON, explicit fields, predictable billing, and examples that map directly to the docs.
Audit friendly
The output keeps the decision signal and the source report tied together for review.
What you get
- Per-lender attribution from SWIFT codes in MPAY strings
- Monthly EMI total and EMI-load-percentage of income
- Bounce count from reversal patterns
Built for
- Lending DTI
- Refinance qualification
- Credit-card consolidation
Request
curl https://api.swippee.com/v1/reports/cl_abc123/liabilities \
-H "Authorization: Bearer $SWIPPEE_API_KEY"Response
{
"monthly_emi_total": 21000,
"emi_load_pct": 24.5,
"bounce_count": 0,
"lenders": [
{ "lender": "NMB Bank", "total": 37010, "count": 1, "monthly_avg": 12337 },
{ "lender": "Siddhartha Bank", "total": 13010, "count": 1, "monthly_avg": 4337 }
],
"liability_transactions": [ /* txns identified as EMI/loan repayment */ ]
}