---
title: "Record a cash advance decision"
method: POST
path: "/protect/cash_advance/decision/create"
tags: ["plaid"]
---

# Record a cash advance decision

`POST /protect/cash_advance/decision/create`

Use this endpoint to record a cash-advance decision as feedback. A decision is a determination of whether to approve a user's requested advance and on what terms.

## Request body

- ProtectCashAdvanceDecisionCreateRequest — Request object for `/protect/cash_advance/decision/create`.
  - `client_id` string — Your Plaid API `client_id`. The `client_id` is required and may be provided either in the `PLAID-CLIENT-ID` header or as part of a request body.
  - `secret` string — Your Plaid API `secret`. The `secret` is required and may be provided either in the `PLAID-SECRET` header or as part of a request body.
  - `user` ProtectUser, required — Represents an end user for `/protect/compute` requests.
    - `user_id` string — The Plaid User ID returned from a previous call to `/user/create`. This or `client_user_id` can be provided, not both.
    - `client_user_id` string — A unique ID representing the end user, previously passed to `/user/create`. Maximum of 128 characters. Typically this will be a user ID number from your application. Personally identifiable information, such as an email address or phone number, should not be used in the `client_user_id`.
  - `client_advance_id` string, nullable — Your unique identifier for a cash-advance. Provide when available. This should be the same id provided when recording a repayment.
  - `decision_time` string, date-time, required — The time the decision was made, in ISO 8601 / RFC 3339 format (`YYYY-MM-DDTHH:mm:ssZ`).
  - `decision` 'APPROVED' | 'DECLINED', required — The outcome of a cash-advance decision. `APPROVED` - The cash-advance was approved. `DECLINED` - The cash-advance was declined.
  - `cash_advance` CashAdvanceDetails, nullable — The details of a cash-advance associated with an approved cash-advance decision. Required when a cash-advance has been approved.
    - `amount_approved` Amount, required — A monetary amount and its currency.
      - `iso_currency_code` string — The ISO-4217 currency code of the amount. Defaults to USD if not specified.
      - `value` number, double, required — The amount value.
    - `amount_due` Amount — A monetary amount and its currency.
      - `iso_currency_code` string — The ISO-4217 currency code of the amount. Defaults to USD if not specified.
      - `value` number, double, required — The amount value.
    - `due_date` string, date — The date the cash-advance is due, in ISO 8601 format (`YYYY-MM-DD`). Required if `is_taken` is `true`.
    - `is_taken` boolean, required — Whether the end user took the approved cash-advance. `True` if taken, `False` if not.

## Response `200`

OK

- ProtectCashAdvanceDecisionCreateResponse — Response object for `/protect/cash_advance/decision/create`.
  - `request_id` string, required — A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.

---

[API](https://skmtc.net/plaid/apis/the-plaid-api.md) · [All operations](https://skmtc.net/plaid/apis/the-plaid-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/plaid/the-plaid-api/revisions/e536704a333f/schema)