curl --request PATCH \
  --url https://api.sandbox.lead.bank/v2/user_credit_transactions/{user_credit_transaction_id} \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: <idempotency-key>' \
  --data '
{
  "description": "Monthly card fee",
  "metadata": {},
  "details": {
    "card_network": {
      "settlement_date": "2026-09-30"
    }
  }
}
'

import requests

url = "https://api.sandbox.lead.bank/v2/user_credit_transactions/{user_credit_transaction_id}"

payload = {
    "description": "Monthly card fee",
    "metadata": {},
    "details": { "card_network": { "settlement_date": "2026-09-30" } }
}
headers = {
    "Idempotency-Key": "<idempotency-key>",
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.patch(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'PATCH',
  headers: {
    'Idempotency-Key': '<idempotency-key>',
    Authorization: 'Bearer <token>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    description: 'Monthly card fee',
    metadata: {},
    details: {card_network: {settlement_date: '2026-09-30'}}
  })
};

fetch('https://api.sandbox.lead.bank/v2/user_credit_transactions/{user_credit_transaction_id}', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.sandbox.lead.bank/v2/user_credit_transactions/{user_credit_transaction_id}",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "PATCH",
  CURLOPT_POSTFIELDS => json_encode([
    'description' => 'Monthly card fee',
    'metadata' => [
        
    ],
    'details' => [
        'card_network' => [
                'settlement_date' => '2026-09-30'
        ]
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json",
    "Idempotency-Key: <idempotency-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.sandbox.lead.bank/v2/user_credit_transactions/{user_credit_transaction_id}"

	payload := strings.NewReader("{\n  \"description\": \"Monthly card fee\",\n  \"metadata\": {},\n  \"details\": {\n    \"card_network\": {\n      \"settlement_date\": \"2026-09-30\"\n    }\n  }\n}")

	req, _ := http.NewRequest("PATCH", url, payload)

	req.Header.Add("Idempotency-Key", "<idempotency-key>")
	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.patch("https://api.sandbox.lead.bank/v2/user_credit_transactions/{user_credit_transaction_id}")
  .header("Idempotency-Key", "<idempotency-key>")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"description\": \"Monthly card fee\",\n  \"metadata\": {},\n  \"details\": {\n    \"card_network\": {\n      \"settlement_date\": \"2026-09-30\"\n    }\n  }\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.sandbox.lead.bank/v2/user_credit_transactions/{user_credit_transaction_id}")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Patch.new(url)
request["Idempotency-Key"] = '<idempotency-key>'
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"description\": \"Monthly card fee\",\n  \"metadata\": {},\n  \"details\": {\n    \"card_network\": {\n      \"settlement_date\": \"2026-09-30\"\n    }\n  }\n}"

response = http.request(request)
puts response.read_body

{
  "id": "user_credit_transaction_xyz123",
  "user_credit_balance_id": "user_credit_balance_xyz123",
  "type": "card_network",
  "core_transaction_id": "core_transaction_xyz123",
  "counterparty_core_transaction_id": "core_transaction_xyz123",
  "currency_code": "USD",
  "amount": 1500,
  "amount_breakdown": {
    "principal": 0,
    "interest": 0,
    "fees": 1500
  },
  "effective_at": "2026-09-30T00:00:00Z",
  "metadata": {},
  "created_at": "2026-09-30T11:01:36Z",
  "updated_at": "2026-09-30T11:05:00Z",
  "description": "Monthly card fee",
  "amount_in_usd": 1500,
  "details": {
    "fee_type": "card",
    "card_network": {
      "card_id": "card_xyz123",
      "bin": "412345",
      "card_network": "visa",
      "original_transaction_id": "user_credit_transaction_id_xyz",
      "network_transfer_type": "card",
      "authorization_amount": 1500,
      "authorization_currency_code": "USD",
      "settlement_amount": 1500,
      "settlement_currency_code": "USD",
      "settlement_date": "2026-09-30",
      "merchant": {
        "name": "Acme Inc.",
        "address_line_1": "123 Main St",
        "city": "Kansas City",
        "state": "MO",
        "country_code": "US",
        "zip_code": "64105",
        "mcc": "5411"
      }
    },
    "rewards": {
      "amount": 500,
      "unit": "points"
    },
    "reversal": {
      "original_transaction_id": "user_credit_transaction_xyz123"
    }
  },
  "funding_id": "funding_123",
  "reversal_transaction_id": "user_credit_transaction_abc789"
}

{
  "code": "request_malformed",
  "message": "The request is invalid and cannot be parsed by the server.",
  "errors": [
    {
      "code": "payload_invalid",
      "message": "The request body is not valid JSON."
    }
  ]
}

{
  "code": "authentication_missing",
  "message": "The request has no authentication credentials. Send your API token in the Authorization header.",
  "errors": [
    {
      "code": "authentication_missing",
      "message": "The Authorization header is missing. Send your API token as a bearer token.",
      "parameters": [
        "Authorization"
      ]
    }
  ]
}

{
  "code": "object_not_found",
  "message": "No object exists at the requested ID, or it is not visible to this caller."
}

{
  "code": "idempotency_key_in_use",
  "message": "A concurrent request using this Idempotency-Key is still in flight."
}

{
  "code": "parameters_invalid",
  "message": "One or more parameters are invalid.",
  "errors": [
    {
      "code": "parameter_immutable",
      "message": "type cannot be changed after creation.",
      "parameters": [
        "type"
      ]
    }
  ]
}

{
  "code": "rate_limit_exceeded",
  "message": "You have exceeded the rate limit for this endpoint. Retry with backoff."
}

{
  "code": "internal_server_error",
  "message": "An unexpected error occurred. Contact support with the Request-Id header value."
}

{
  "code": "endpoint_disabled",
  "message": "This endpoint is temporarily disabled. Retry after the interval given in the Retry-After header."
}

{
  "code": "gateway_timeout",
  "message": "An upstream system timed out. Retry with backoff."
}