Introduction

Factoring Decline API v1 allows approved merchants to submit previously declined transactions for processing through a single server-side API request.

The integration is designed for direct API submission, merchant-controlled tracking, and asynchronous result delivery through postbacks.

Integration flow

Step	Action	Where
1	Receive portal access from your account manager.	Merchant Portal
2	Complete factoring compliance and required agreements.	Compliance
3	Copy your assigned API credentials and account values.	API Credentials
4	Configure postbacks and statement descriptor settings.	API Settings
5	Send a create-and-process order request.	API Reference
6	Receive payment or refund results through postbacks.	Postback Attempts

API endpoint

Environment	Endpoint
Production	`https://api.vrio.app/orders`

Required headers

Header	Value
`X-Api-Key`	Your API key from the merchant portal.
`Content-Type`	`application/json`
`Accept`	`application/json`