# Retrieve Consumer Metrics
source: https://developer.mastercard.com/consumer-credit-analytics/documentation/testing/metrics-req-res/index.md

## Pre-requisites {#pre-requisites}

Refer to the [Metrics for Consumers](https://developer.mastercard.com/consumer-credit-analytics/documentation/use-cases/consumer-metrics/index.md) use case section.

## Request URL for Sandbox Environment {#request-url-for-sandbox-environment}

    POST https://sandbox.api.mastercard.com/consumer/credit-analytics/metrics

## Request URL for Production Environment {#request-url-for-production-environment}

    POST https://api.mastercard.com/consumer/credit-analytics/metrics

## Test Cases for Metrics for Consumers {#test-cases-for-metrics-for-consumers}

The endpoint allows you to retrieve the custom metrics for consumer transactions.

### Positive test cases {#positive-test-cases}

#### Test case 1: Success response with all Mastercard transaction metrics {#test-case-1-success-response-with-all-mastercard-transaction-metrics}

**Request**

```java
{
  "countryCode": "USA",
  "customerPAN": "5255923576711240",    
  "productType": "CREDIT_CARD",
  "hasConsent": true
}
```

**Response**

```java
{
	"customerPAN": "5255923576711240",
	"isNewProspect": false,
	"productType": "CREDIT_CARD",
	"mtmMetrics": {
		"core": 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		"operational": "{\"oper_auth_decl_txn_cnt_1w\":0,\"oper_auth_decl_txn_cnt_pct_1w\":null,\"oper_auth_rc51_decl_txn_cnt_pct_1w\":null,\"oper_auth_od_decl_txn_cnt_1w\":0,\"oper_auth_od_decl_txn_amt_1w\":0.0,\"oper_fraud_txn_amt_pct_1w\":null,\"oper_fraud_cp_txn_cnt_pct_1w\":null,\"oper_fraud_cnp_txn_cnt_pct_1w\":null,\"oper_fraud_cp_txn_amt_pct_1w\":null,\"oper_fraud_cnp_txn_amt_pct_1w\":null,\"oper_fraud_onl_txn_cnt_pct_1w\":null,\"oper_fraud_onl_txn_amt_pct_1w\":null,\"oper_fraud_txn_amt_1w\":null,\"oper_fraud_txn_cnt_1w\":null,\"oper_fraud_avg_ticket_size_1w\":null,\"oper_fraud_max_txn_amt_1w\":null,\"oper_fraud_dom_cp_txn_amt_1w\":null,\"oper_fraud_dom_cnp_txn_amt_1w\":null,\"oper_fraud_xb_cp_txn_amt_1w\":null,\"oper_fraud_xb_cnp_txn_amt_1w\":null,\"oper_fraud_dom_cp_txn_cnt_1w\":null,\"oper_fraud_dom_cnp_txn_cnt_1w\":null,\"oper_fraud_xb_cp_txn_cnt_1w\":null,\"oper_fraud_xb_cnp_txn_cnt_1w\":null,\"oper_fraud_cp_txn_cnt_1w\":null,\"oper_fraud_cnp_txn_cnt_1w\":null,\"oper_fraud_cp_txn_amt_1w\":null,\"oper_fraud_cnp_txn_amt_1w\":null,\"oper_fraud_onl_txn_cnt_1w\":null,\"oper_fraud_onl_txn_amt_1w\":null,\"oper_auth_decl_txn_cnt_1m\":0,\"oper_auth_decl_txn_cnt_pct_1m\":null,\"oper_auth_rc51_decl_txn_cnt_pct_1m\":null,\"oper_auth_od_decl_txn_cnt_1m\":0,\"oper_auth_od_decl_txn_amt_1m\":0.0,\"oper_fraud_txn_amt_pct_1m\":null,\"oper_fraud_cp_txn_cnt_pct_1m\":null,\"oper_fraud_cnp_txn_cnt_pct_1m\":null,\"oper_fraud_cp_txn_amt_pct_1m\":null,\"oper_fraud_cnp_txn_amt_pct_1m\":null,\"oper_fraud_onl_txn_cnt_pct_1m\":null,\"oper_fraud_onl_txn_amt_pct_1m\":null,\"oper_fraud_txn_amt_1m\":null,\"oper_fraud_txn_cnt_1m\":null,\"oper_fraud_avg_ticket_size_1m\":null,\"oper_fraud_max_txn_amt_1m\":null,\"oper_fraud_dom_cp_txn_amt_1m\":null,\"oper_fraud_dom_cnp_txn_amt_1m\":null,\"oper_fraud_xb_cp_txn_amt_1m\":null,\"oper_fraud_xb_cnp_txn_amt_1m\":null,\"oper_fraud_dom_cp_txn_cnt_1m\":null,\"oper_fraud_dom_cnp_txn_cnt_1m\":null,\"oper_fraud_xb_cp_txn_cnt_1m\":null,\"oper_fraud_xb_cnp_txn_cnt_1m\":null,\"oper_fraud_cp_txn_cnt_1m\":null,\"oper_fraud_cnp_txn_cnt_1m\":null,\"oper_fraud_cp_txn_amt_1m\":null,\"oper_fraud_cnp_txn_amt_1m\":null,\"oper_fraud_onl_txn_cnt_1m\":null,\"oper_fraud_onl_txn_amt_1m\":null,\"oper_auth_decl_txn_cnt_3m\":0,\"oper_auth_decl_txn_cnt_pct_3m\":null,\"oper_auth_rc51_decl_txn_cnt_pct_3m\":null,\"oper_auth_od_decl_txn_cnt_3m\":0,\"oper_auth_od_decl_txn_amt_3m\":0.0,\"oper_auth_decl_txn_cnt_6m\":2,\"oper_auth_decl_txn_cnt_pct_6m\":100.0,\"oper_auth_rc51_decl_txn_cnt_pct_6m\":null,\"oper_auth_od_decl_txn_cnt_6m\":0,\"oper_auth_od_decl_txn_amt_6m\":0.0,\"oper_auth_decl_txn_cnt_12m\":3,\"oper_auth_decl_txn_cnt_pct_12m\":100.0,\"oper_auth_rc51_decl_txn_cnt_pct_12m\":null,\"oper_auth_od_decl_txn_cnt_12m\":0,\"oper_auth_od_decl_txn_amt_12m\":0.0,\"oper_fraud_decline_rate_1m\":null,\"oper_fraud_declined_suspected_txn_cnt_1m\":0,\"oper_fraud_declined_suspected_txn_amt_1m\":0.0,\"oper_fraud_declined_invalid_pin_txn_cnt_1m\":0,\"oper_fraud_declined_invalid_pin_txn_amt_1m\":0.0,\"oper_fraud_decline_rate_1w\":null,\"oper_fraud_declined_suspected_txn_cnt_1w\":0,\"oper_fraud_declined_suspected_txn_amt_1w\":0.0,\"oper_fraud_declined_invalid_pin_txn_cnt_1w\":0,\"oper_fraud_declined_invalid_pin_txn_amt_1w\":0.0,\"oper_auth_decl_txn_cnt_chng_pct_wow\":null,\"oper_auth_decl_txn_amt_chng_pct_wow\":null,\"oper_auth_decl_txn_chng_amt_wow\":0.0,\"oper_auth_rc51_decl_cnt_chng_pct_wow\":null,\"oper_auth_rc51_decl_txn_amt_chng_pct_wow\":null,\"oper_auth_rc51_decl_txn_chng_amt_wow\":0.0,\"oper_auth_od_decl_txn_cnt_chng_pct_wow\":null,\"oper_auth_od_decl_txn_amt_chng_pct_wow\":null,\"oper_auth_decl_txn_cnt_chng_pct_mom\":null,\"oper_auth_decl_txn_amt_chng_pct_mom\":null,\"oper_auth_decl_txn_chng_amt_mom\":0.0,\"oper_auth_rc51_decl_cnt_chng_pct_mom\":null,\"oper_auth_rc51_decl_txn_amt_chng_pct_mom\":null,\"oper_auth_rc51_decl_txn_chng_amt_mom\":0.0,\"oper_auth_od_decl_txn_cnt_chng_pct_mom\":null,\"oper_auth_od_decl_txn_amt_chng_pct_mom\":null,\"oper_auth_decl_txn_cnt_chng_pct_qoq\":-100.0,\"oper_auth_decl_txn_amt_chng_pct_qoq\":-100.0,\"oper_auth_decl_txn_chng_amt_qoq\":-62.5,\"oper_auth_rc51_decl_cnt_chng_pct_qoq\":null,\"oper_auth_rc51_decl_txn_amt_chng_pct_qoq\":null,\"oper_auth_rc51_decl_txn_chng_amt_qoq\":0.0,\"oper_auth_od_decl_txn_cnt_chng_pct_qoq\":null,\"oper_auth_od_decl_txn_amt_chng_pct_qoq\":null,\"oper_auth_decl_txn_cnt_chng_pct_hoh\":100.0,\"oper_auth_decl_txn_amt_chng_pct_hoh\":362.4,\"oper_auth_decl_txn_chng_amt_hoh\":49.0,\"oper_auth_rc51_decl_cnt_chng_pct_hoh\":null,\"oper_auth_rc51_decl_txn_amt_chng_pct_hoh\":null,\"oper_auth_rc51_decl_txn_chng_amt_hoh\":0.0,\"oper_auth_od_decl_txn_cnt_chng_pct_hoh\":null,\"oper_auth_od_decl_txn_amt_chng_pct_hoh\":null,\"oper_auth_decl_txn_cnt_chng_pct_yoy\":null,\"oper_auth_decl_txn_amt_chng_pct_yoy\":null,\"oper_auth_decl_txn_chng_amt_yoy\":76.0,\"oper_auth_rc51_decl_cnt_chng_pct_yoy\":null,\"oper_auth_rc51_decl_txn_amt_chng_pct_yoy\":null,\"oper_auth_rc51_decl_txn_chng_amt_yoy\":0.0,\"oper_auth_od_decl_txn_cnt_chng_pct_yoy\":null,\"oper_auth_od_decl_txn_amt_chng_pct_yoy\":null,\"oper_spd_stability_second_cbk_txn_amt_pct_1m\":null,\"oper_spd_stability_second_cbk_txn_amt_pct_1w\":null,\"oper_spd_stability_second_cbk_txn_amt_pct_1d\":null,\"oper_first_cbk_txn_amt_1w\":null,\"oper_first_cbk_txn_cnt_1w\":null,\"oper_first_cbk_txn_amt_pct_1w\":null,\"oper_second_cbk_txn_amt_1w\":null,\"oper_second_cbk_txn_cnt_1w\":null,\"oper_fraud_cbk_txn_amt_1w\":null,\"oper_fraud_cbk_txn_cnt_1w\":null,\"oper_non_fraud_cbk_txn_amt_1w\":null,\"oper_non_fraud_cbk_txn_cnt_1w\":null,\"oper_second_first_cbk_txn_cnt_ratio_1w\":null,\"oper_second_cbk_txn_amt_chng_pct_wow\":null,\"oper_second_cbk_txn_cnt_chng_pct_wow\":null,\"oper_first_cbk_txn_amt_1m\":null,\"oper_first_cbk_txn_cnt_1m\":null,\"oper_first_cbk_txn_amt_pct_1m\":null,\"oper_second_cbk_txn_amt_1m\":null,\"oper_second_cbk_txn_cnt_1m\":null,\"oper_fraud_cbk_txn_amt_1m\":null,\"oper_fraud_cbk_txn_cnt_1m\":null,\"oper_non_fraud_cbk_txn_amt_1m\":null,\"oper_non_fraud_cbk_txn_cnt_1m\":null,\"oper_second_cbk_txn_amt_chng_pct_mom\":null,\"oper_second_cbk_txn_cnt_chng_pct_mom\":null,\"oper_second_first_cbk_txn_cnt_ratio_1m\":null,\"oper_first_cbk_txn_amt_3m\":null,\"oper_first_cbk_txn_cnt_3m\":null,\"oper_first_cbk_txn_amt_pct_3m\":null,\"oper_second_cbk_txn_amt_3m\":null,\"oper_second_cbk_txn_cnt_3m\":null,\"oper_fraud_cbk_txn_amt_3m\":null,\"oper_fraud_cbk_txn_cnt_3m\":null,\"oper_non_fraud_cbk_txn_amt_3m\":null,\"oper_non_fraud_cbk_txn_cnt_3m\":null,\"oper_second_cbk_txn_amt_chng_pct_qoq\":null,\"oper_second_cbk_txn_cnt_chng_pct_qoq\":null,\"oper_second_first_cbk_txn_cnt_ratio_3m\":null,\"oper_fl_second_cbk_txn_amt_3m\":null,\"oper_first_cbk_txn_amt_6m\":null,\"oper_first_cbk_txn_cnt_6m\":null,\"oper_first_cbk_txn_amt_pct_6m\":null,\"oper_second_cbk_txn_amt_6m\":null,\"oper_second_cbk_txn_cnt_6m\":null,\"oper_fraud_cbk_txn_amt_6m\":null,\"oper_fraud_cbk_txn_cnt_6m\":null,\"oper_non_fraud_cbk_txn_amt_6m\":null,\"oper_non_fraud_cbk_txn_cnt_6m\":null,\"oper_second_cbk_txn_amt_chng_pct_hoh\":null,\"oper_second_cbk_txn_cnt_chng_pct_hoh\":null,\"oper_second_first_cbk_txn_cnt_ratio_6m\":null,\"oper_first_cbk_txn_amt_12m\":null,\"oper_first_cbk_txn_cnt_12m\":null,\"oper_first_cbk_txn_amt_pct_12m\":null,\"oper_second_cbk_txn_amt_12m\":null,\"oper_second_cbk_txn_cnt_12m\":null,\"oper_fraud_cbk_txn_amt_12m\":null,\"oper_fraud_cbk_txn_cnt_12m\":null,\"oper_non_fraud_cbk_txn_amt_12m\":null,\"oper_non_fraud_cbk_txn_cnt_12m\":null,\"oper_second_cbk_txn_amt_chng_pct_yoy\":null,\"oper_second_cbk_txn_cnt_chng_pct_yoy\":null,\"oper_second_first_cbk_txn_cnt_ratio_12m\":null}",
		"microSegment": "{\"mseg_txn_spd_amt_segment\":null,\"mseg_non_recur_both_segment\":\"Error\",\"mseg_dom_both_segment\":\"Cross Border Cards\",\"mseg_active_months_segment\":null,\"mseg_spd_pattern_segment\":\"0-1: Low Activity/Zero Spenders\",\"mseg_final_segment\":null}"
	}
}
```

#### Test case 2: Success response with new prospect and partial metrics {#test-case-2-success-response-with-new-prospect-and-partial-metrics}

**Request**

```java
{
  "countryCode": "USA",
  "customerPAN": "5425233430109903",    
  "productType": "CREDIT_CARD",
  "hasConsent": true
}
```

**Response**

```java
{
	"customerPAN": "5425233430109903",
	"isNewProspect": true,
	"productType": "CREDIT_CARD",
	"mtmMetrics": {
		"core": 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"{\"oper_auth_decl_txn_cnt_1w\":0,\"oper_auth_decl_txn_cnt_pct_1w\":null,\"oper_auth_rc51_decl_txn_cnt_pct_1w\":null,\"oper_auth_od_decl_txn_cnt_1w\":0,\"oper_auth_od_decl_txn_amt_1w\":0.0,\"oper_fraud_txn_amt_pct_1w\":null,\"oper_fraud_cp_txn_cnt_pct_1w\":null,\"oper_fraud_cnp_txn_cnt_pct_1w\":null,\"oper_fraud_cp_txn_amt_pct_1w\":null,\"oper_fraud_cnp_txn_amt_pct_1w\":null,\"oper_fraud_onl_txn_cnt_pct_1w\":null,\"oper_fraud_onl_txn_amt_pct_1w\":null,\"oper_fraud_txn_amt_1w\":null,\"oper_fraud_txn_cnt_1w\":null,\"oper_fraud_avg_ticket_size_1w\":null,\"oper_fraud_max_txn_amt_1w\":null,\"oper_fraud_dom_cp_txn_amt_1w\":null,\"oper_fraud_dom_cnp_txn_amt_1w\":null,\"oper_fraud_xb_cp_txn_amt_1w\":null,\"oper_fraud_xb_cnp_txn_amt_1w\":null,\"oper_fraud_dom_cp_txn_cnt_1w\":null,\"oper_fraud_dom_cnp_txn_cnt_1w\":null,\"oper_fraud_xb_cp_txn_cnt_1w\":null,\"oper_fraud_xb_cnp_txn_cnt_1w\":null,\"oper_fraud_cp_txn_cnt_1w\":null,\"oper_fraud_cnp_txn_cnt_1w\":null,\"oper_fraud_cp_txn_amt_1w\":null,\"oper_fraud_cnp_txn_amt_1w\":null,\"oper_fraud_onl_txn_cnt_1w\":null,\"oper_fraud_onl_txn_amt_1w\":null,\"oper_auth_decl_txn_cnt_1m\":0,\"oper_auth_decl_txn_cnt_pct_1m\":null,\"oper_auth_rc51_decl_txn_cnt_pct_1m\":null,\"oper_auth_od_decl_txn_cnt_1m\":0,\"oper_auth_od_decl_txn_amt_1m\":0.0,\"oper_fraud_txn_amt_pct_1m\":null,\"oper_fraud_cp_txn_cnt_pct_1m\":null,\"oper_fraud_cnp_txn_cnt_pct_1m\":null,\"oper_fraud_cp_txn_amt_pct_1m\":null,\"oper_fraud_cnp_txn_amt_pct_1m\":null,\"oper_fraud_onl_txn_cnt_pct_1m\":null,\"oper_fraud_onl_txn_amt_pct_1m\":null,\"oper_fraud_txn_amt_1m\":null,\"oper_fraud_txn_cnt_1m\":null,\"oper_fraud_avg_ticket_size_1m\":null,\"oper_fraud_max_txn_amt_1m\":null,\"oper_fraud_dom_cp_txn_amt_1m\":null,\"oper_fraud_dom_cnp_txn_amt_1m\":null,\"oper_fraud_xb_cp_txn_amt_1m\":null,\"oper_fraud_xb_cnp_txn_amt_1m\":null,\"oper_fraud_dom_cp_txn_cnt_1m\":null,\"oper_fraud_dom_cnp_txn_cnt_1m\":null,\"oper_fraud_xb_cp_txn_cnt_1m\":null,\"oper_fraud_xb_cnp_txn_cnt_1m\":null,\"oper_fraud_cp_txn_cnt_1m\":null,\"oper_fraud_cnp_txn_cnt_1m\":null,\"oper_fraud_cp_txn_amt_1m\":null,\"oper_fraud_cnp_txn_amt_1m\":null,\"oper_fraud_onl_txn_cnt_1m\":null,\"oper_fraud_onl_txn_amt_1m\":null,\"oper_auth_decl_txn_cnt_3m\":0,\"oper_auth_decl_txn_cnt_pct_3m\":null,\"oper_auth_rc51_decl_txn_cnt_pct_3m\":null,\"oper_auth_od_decl_txn_cnt_3m\":0,\"oper_auth_od_decl_txn_amt_3m\":0.0,\"oper_auth_decl_txn_cnt_6m\":2,\"oper_auth_decl_txn_cnt_pct_6m\":100.0,\"oper_auth_rc51_decl_txn_cnt_pct_6m\":null,\"oper_auth_od_decl_txn_cnt_6m\":0,\"oper_auth_od_decl_txn_amt_6m\":0.0,\"oper_auth_decl_txn_cnt_12m\":3,\"oper_auth_decl_txn_cnt_pct_12m\":100.0,\"oper_auth_rc51_decl_txn_cnt_pct_12m\":null,\"oper_auth_od_decl_txn_cnt_12m\":0,\"oper_auth_od_decl_txn_amt_12m\":0.0,\"oper_fraud_decline_rate_1m\":null,\"oper_fraud_declined_suspected_txn_cnt_1m\":0,\"oper_fraud_declined_suspected_txn_amt_1m\":0.0,\"oper_fraud_declined_invalid_pin_txn_cnt_1m\":0,\"oper_fraud_declined_invalid_pin_txn_amt_1m\":0.0,\"oper_fraud_decline_rate_1w\":null,\"oper_fraud_declined_suspected_txn_cnt_1w\":0,\"oper_fraud_declined_suspected_txn_amt_1w\":0.0,\"oper_fraud_declined_invalid_pin_txn_cnt_1w\":0,\"oper_fraud_declined_invalid_pin_txn_amt_1w\":0.0,\"oper_auth_decl_txn_cnt_chng_pct_wow\":null,\"oper_auth_decl_txn_amt_chng_pct_wow\":null,\"oper_auth_decl_txn_chng_amt_wow\":0.0,\"oper_auth_rc51_decl_cnt_chng_pct_wow\":null,\"oper_auth_rc51_decl_txn_amt_chng_pct_wow\":null,\"oper_auth_rc51_decl_txn_chng_amt_wow\":0.0,\"oper_auth_od_decl_txn_cnt_chng_pct_wow\":null,\"oper_auth_od_decl_txn_amt_chng_pct_wow\":null,\"oper_auth_decl_txn_cnt_chng_pct_mom\":null,\"oper_auth_decl_txn_amt_chng_pct_mom\":null,\"oper_auth_decl_txn_chng_amt_mom\":0.0,\"oper_auth_rc51_decl_cnt_chng_pct_mom\":null,\"oper_auth_rc51_decl_txn_amt_chng_pct_mom\":null,\"oper_auth_rc51_decl_txn_chng_amt_mom\":0.0,\"oper_auth_od_decl_txn_cnt_chng_pct_mom\":null,\"oper_auth_od_decl_txn_amt_chng_pct_mom\":null,\"oper_auth_decl_txn_cnt_chng_pct_qoq\":-100.0,\"oper_auth_decl_txn_amt_chng_pct_qoq\":-100.0,\"oper_auth_decl_txn_chng_amt_qoq\":-62.5,\"oper_auth_rc51_decl_cnt_chng_pct_qoq\":null,\"oper_auth_rc51_decl_txn_amt_chng_pct_qoq\":null,\"oper_auth_rc51_decl_txn_chng_amt_qoq\":0.0,\"oper_auth_od_decl_txn_cnt_chng_pct_qoq\":null,\"oper_auth_od_decl_txn_amt_chng_pct_qoq\":null,\"oper_auth_decl_txn_cnt_chng_pct_hoh\":100.0,\"oper_auth_decl_txn_amt_chng_pct_hoh\":362.4,\"oper_auth_decl_txn_chng_amt_hoh\":49.0,\"oper_auth_rc51_decl_cnt_chng_pct_hoh\":null,\"oper_auth_rc51_decl_txn_amt_chng_pct_hoh\":null,\"oper_auth_rc51_decl_txn_chng_amt_hoh\":0.0,\"oper_auth_od_decl_txn_cnt_chng_pct_hoh\":null,\"oper_auth_od_decl_txn_amt_chng_pct_hoh\":null,\"oper_auth_decl_txn_cnt_chng_pct_yoy\":null,\"oper_auth_decl_txn_amt_chng_pct_yoy\":null,\"oper_auth_decl_txn_chng_amt_yoy\":76.0,\"oper_auth_rc51_decl_cnt_chng_pct_yoy\":null,\"oper_auth_rc51_decl_txn_amt_chng_pct_yoy\":null,\"oper_auth_rc51_decl_txn_chng_amt_yoy\":0.0,\"oper_auth_o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		"microSegment": "{\"mseg_txn_spd_amt_segment\":null,\"mseg_non_recur_both_segment\":\"Error\",\"mseg_dom_both_segment\":\"Cross Border Cards\",\"mseg_active_months_segment\":null,\"mseg_spd_pattern_segment\":\"0-1: Low Activity/Zero Spenders\",\"mseg_final_segment\":null}"
	}
}
```

### Negative Test Cases {#negative-test-cases}

#### Test case 1: Error response with consent not provided {#test-case-1-error-response-with-consent-not-provided}

**Request**

```java
{
  "countryCode": "USA",
  "customerPAN": "5255923576711240",    
  "productType": "CREDIT_CARD",
  "hasConsent": false
}
```

**Response**

```java
{
    "Errors": {
        "Error": [
            {
                "Source": "ConsumerCreditAnalytics",
                "ReasonCode": "CONSENT_NOT_PROVIDED",
                "Description": "Consent from the consumer is required in order to access score for said customerPAN number",
                "Recoverable": true,
                "Details": "Obtain consent from the relevant consumer and update the value for consent_flag to get the consumer score"
            }
        ]
    }
}
```

#### Test case 2: Error response with PAN not found {#test-case-2-error-response-with-pan-not-found}

**Request**

```java
{
  "countryCode": "USA",
  "customerPAN": "5408577159639842",    
  "productType": "CREDIT_CARD",
  "hasConsent": true
}
```

**Response**

```java
{
    "Errors": {
        "Error": [
            {
                "Source": "ConsumerCreditAnalytics",
                "ReasonCode": "PAN_NOT_FOUND",
                "Description": "The customerPAN is not found in Mastercard's database",
                "Recoverable": true,
                "Details": "This error is thrown when a PAN number is not found in Mastercard's  database. Check with the consumer for alternate primary Mastercard Debit/Credit Card Number."
            }
        ]
    }
}
```