Authentication

Factoring Decline API v1 uses an API key assigned to your merchant account.

Send the API key in the X-Api-Key request header.

Header format

X-Api-Key: YOUR_API_KEY
Content-Type: application/json
Accept: application/json

Open the merchant portal:

In Profile -> API Keys, copy the value from API Key.

The same page also contains account-specific values used in API requests.

Portal field	Used as
API URL	Target endpoint for order requests.
API Key	`X-Api-Key` header.
Vrio Campaign ID	`campaign_id`
Vrio Offer IDs	`offers[].offer_id`
Affiliate ID	`tracking1`

Store API keys securely and never expose them in browser-side JavaScript, mobile apps, public repositories, or client-side logs.

If you believe an API key has been exposed, contact your account manager to rotate credentials.