# List trade credit terms `GET /api/v1/trade-credit-terms` Every B2B buyer this store has granted trade credit, with what they have been lent, what they currently owe and how long they have to pay. TRADE CREDIT IS THE OPPOSITE OF STORE CREDIT AND THE TWO MUST NEVER BE SUMMED. A store-credit balance is money the merchant OWES the shopper and the shopper can spend it at checkout. Trade credit is what the merchant has LENT the buyer, so outstanding is a debt owed TO the merchant. A client that adds them is wrong by twice the smaller figure. IT PUBLISHES A CUSTOMER ID AND THREE NUMBERS AND NOTHING ELSE ABOUT THE PERSON. No email, no name, no embedded customer object: read_offline_payments must not become a customer enumerator. Ask for read_customers as well and join on customer_id. READ ONLY, permanently. No route on this API sets a credit limit under any grant, because raising one lets a named buyer take goods without paying, which is money leaving the merchant with no charge and no approval behind it. The merchant sets terms in their dashboard. ## Query parameters - `limit` (integer) — Rows per page. Out of range is a 400 rather than a silent clamp, so a client asking for more than 100 learns it did not get it. - `after` (string) — The next_cursor from the previous page. Opaque: decode nothing from it and construct nothing by hand, since its encoding is not part of this contract. Omit it to read the first page. ## Responses - `200` — Success - `400` — The request was refused before any state changed. `code` is one of: `invalid_body`, a write body this route will not take. `reason` partitions it and `field` names the key when one key is at fault. `invalid_query`, a query parameter, including limit and after. `invalid_text`, a NUL byte or bytes that are not valid UTF-8 anywhere in the path, the query or the body. Strip control characters before sending. `idempotency_key_required`, a write sent without the Idempotency-Key header. `invalid_request`, an Idempotency-Key longer than 255 bytes. Routes add their own codes for rules only they know. Switch with a default arm. - `401` — No credential, or one this API does not accept. `code` is always `unauthorized`. THE BODY IS DELIBERATELY UNINFORMATIVE. An expired key, a revoked key, a publishable key, a key belonging to another merchant and a key that never existed are all refused with the same bytes, so this response cannot be used to probe which keys exist. Check the key's state in the dashboard rather than inferring it here. Send the key as `Authorization: Bearer ` or as `X-API-Key: `. It is never accepted in a query string. - `403` — The key lacks the read_offline_payments scope. `code` is `insufficient_scope` and the message names the scope to ask the merchant for. - `429` — Too many requests. `code` is `rate_limited`. Two limits apply independently: one on the credential and the route family, one on the client address. The headers describe whichever has less left, so honouring Retry-After always clears the window that bound. - `default` — Any status this operation does not list, in the same envelope. A 5xx means the request may or may not have applied. Retry it with the SAME Idempotency-Key: that is the only way to find out without risking a duplicate, and it is what the key is for. A few 4xx conditions arrive here rather than as a listed status because they depend on the merchant's plan or on a module being wired: 402 when a quota or a plan limit is reached, and 503 when a capability the route needs is not configured on this deployment. Both carry a `code` naming which. ## Example ```bash curl --request GET \ --url 'https://api.mercemur.com/api/v1/trade-credit-terms' \ --header 'Authorization: Bearer ' ```