Response codes
Always inspect the XML <result> code after a successful HTTP response. A transport-level 200 OK does not guarantee a loan offer or an accepted application.
Initial submission XML codes
XML result |
Meaning | Client behaviour |
|---|---|---|
10 |
Application accepted / submitted | Read and poll the returned AC results_url |
11 |
Authentication / campaign or IP failure downstream | Treat as a rejected application; contact AC if unexpected |
12 |
Invalid application parameters | Validate fields and correct request |
13 |
Rejected by business rules | Do not auto-resubmit |
21 / 22 |
No lender offers or no eligible lender | Show an appropriate no-offer journey |
20 |
Offers found, when supplied as a final/direct response | Process offers without assuming a polling URL exists |
The source specification enumerates 10, 11, 12, 13, 21 and 22 as initial results; a direct final result (20) has also been observed in this project's live campaign integration. Behaviour can depend on campaign configuration.
Polling XML codes
XML result |
Meaning |
|---|---|
10 |
Application accepted; results pending |
20 |
One or more offers found |
21 |
All lenders rejected |
22 |
No qualified lender found |
Some XML examples may have result=20 while awaiting_response is still greater than zero. Use the progress fields, not the result code alone, to decide whether polling has finished.
Progress fields
| XML element | Purpose |
|---|---|
offer_results/accepted |
Offers returned |
offer_results/rejected |
Lenders declined |
offer_results/awaiting_response |
Lenders not yet responded |
Some early responses may omit optional blocks. Treat missing fields as absent, not necessarily 0, unless this is explicitly agreed in your integration.
Offer handling
Offer payloads may include loan/type, APR, term, repayment, lender details and redirect URLs. Not every product is a standard personal loan. Alternative or credit-building products may omit a conventional APR, loan term or repayment amount.
Do not silently relabel alternative products as personal loans or display blank loan figures as zero. If your customer journey cannot display alternative products, agree the handling with AC.