API

Licensure, as an endpoint.

The Payna API gives systems real-time answers to the question the business asks constantly: is this person, or this entity, licensed to do this work, here, today? Status, sponsorship, CE completion, and open regulator conditions, over HTTPS.

Talk to Engineering

# Every state license held by one regulated person.
 
GET /api/v1/individuals/{id}/licenses HTTP/1.1
Host: app.payna.com
Authorization: Bearer pk_live_...
HTTP/1.1 200 OK
Content-Type: application/json
 
{
  "data": [
    {
      "state": "CA",
      "license_type": "Mortgage Loan Originator",
      "status": "active",
      "sub_status": null,
      "license_number": "MLO-12345",
      "effective_date": "2024-03-01",
      "renewal_date": "2026-12-31",
      "source": "nmls"
    }
  ],
  "meta": { "total": 6, "page": 1, "limit": 50 }
}
# Every state license held by one regulated person.
 
GET /api/v1/individuals/{id}/licenses HTTP/1.1
Host: app.payna.com
Authorization: Bearer pk_live_...
HTTP/1.1 200 OK
Content-Type: application/json
 
{
  "data": [
    {
      "state": "CA",
      "license_type": "Mortgage Loan Originator",
      "status": "active",
      "sub_status": null,
      "license_number": "MLO-12345",
      "effective_date": "2024-03-01",
      "renewal_date": "2026-12-31",
      "source": "nmls"
    }
  ],
  "meta": { "total": 6, "page": 1, "limit": 50 }
}

THE SHAPE OF IT

One call answers the licensure question.

Every person and entity Payna manages is queryable. Responses carry the current status as Payna tracks it against the registries, so the systems that depend on licensure never work from a stale spreadsheet export.

The full reference is public: authentication, every endpoint, the status model, and error handling. You do not need to talk to us first. Read the API documentation.

INTEGRATION USE CASES

Put licensure checks where the work happens.

Gate loan applications

The LOS checks an MLO’s license and sponsorship in the subject state before an application can be started. Unlicensed origination becomes structurally impossible.

statussub_statusstate

Assign claims safely

The claims platform verifies an adjuster is licensed in the loss state before assignment, and filters the CAT deployment roster to people who can legally work the event.

statelicense_typestatus

Feed internal systems

Pull license status into a data warehouse, compliance dashboards, or partner due diligence packages, and surface open regulator conditions the day they appear.

renewal_datesourcemeta

DOCUMENTATION