---
title: "Get EWA Score Report"
method: POST
path: "/beta/ewa_report/v1/get"
tags: ["plaid"]
---

# Get EWA Score Report

`POST /beta/ewa_report/v1/get`

The `/beta/ewa_report/v1/get` endpoint provides an Earned Wage Access (EWA) score that quantifies the delinquency risk associated with a given item. The score is derived from a combination of cashflow patterns and network-based behavioral features.

The response returns a list of EWA scores, where each score corresponds to a potential advance amount range. These scores estimate the likelihood of repayment for advances within that range.

Score range: 1-99

Interpretation: Higher scores indicate a greater likelihood of repayment.

This endpoint enables clients to assess repayment risk and make data-driven decisions when determining eligibility or limits for earned wage advances.

## Request body

- BetaEwaReportV1GetRequest — BetaEwaReportV1GetRequest defines the request schema for `/beta/ewa_report/v1/get`
  - `access_token` string, required — The access token associated with the Item for which data is being requested.
  - `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.

## Response `200`

OK

- BetaEwaReportV1GetResponse — BetaEwaReportV1GetResponse defines the response schema for `/beta/ewa_report/v1/get`
  - `request_id` string — A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
  - `ewa_report_id` string — Unique identifier for the generated EWA score group.
  - `generation_time` string, date-time — The date and time when `ewa_scores` was generated, in ISO 8601 format (e.g. "2018-04-12T03:32:11Z").
  - `ewa_scores` EwaScore[] — A list of earned wage access (EWA) scoring entries that map potential advance amounts to repayment likelihood scores. The predefined advance amount ranges are `[0, 25)`, `[25, 50)`, `[50, 100)`, `[100, 200)`, `[200, 300)`, `[300, 400)`, and `[400, 500)`.
    - `lowest_amount` number, float — Float value representing the lower bound (inclusive) of the advance amount range associated with a specific EWA score.
    - `highest_amount` number, float — Float value representing the upper bound (exclusive) of the advance amount range associated with a specific EWA score.
    - `score` integer — EWA score for the corresponding amount bucket. Scores range from 1-99, where a higher score indicates a higher likelihood of repayment.
  - `ewa_attributes` EwaAttributes, nullable — A set of attributes providing context about the factors that contributed to the EWA scores. Each key is the attribute name and the value is its numeric score, or null if the attribute could not be computed.

## Other responses

- `default` — Error response

---

[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/versions/64c4514ea59b/schema)