> ## Documentation Index
> Fetch the complete documentation index at: https://rain-sandbox-trial.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# Get a users's credit balances



## OpenAPI

````yaml get /issuing/users/{userId}/balances
openapi: 3.0.3
info:
  title: Issuing API
  description: This is the specification for Rain's Issuing API.
  termsOfService: https://www.rain.xyz/legal/authorized-user-terms
  contact:
    email: support@rain.xyz
  version: 1.3.0
servers:
  - url: https://api-dev.rain.xyz/v1
    description: Sandbox server
  - url: https://api.rain.xyz/v1
    description: Production server
security: []
tags:
  - name: paymentRoutes
    description: >-
      **Endpoint Migration:** The `/v1/automations` endpoints have been renamed
      to `/v1/payment-routes`. The old `/v1/automations` paths remain available
      as deprecated aliases during migration. Update your integrations to use
      `/v1/payment-routes` as the deprecated endpoints will be removed in a
      future release.
  - name: simulate
    description: >-
      Transaction simulation endpoints for testing integration flows in
      non-production environments. These endpoints let you trigger transaction
      events programmatically to automate integration tests and verify webhook
      handling without depending on external systems or staging real deposits.
      **Sandbox only** — all simulation endpoints return `404 Not Found` in
      production.
  - name: raindrops
    description: >-
      Rewards and points management endpoints. Custom API keys need
      `raindrops:read`/`raindrops:write` for general rewards endpoints and
      `raindrops-travel:read`/`raindrops-travel:write` for travel redemption
      endpoints.
    x-group: rewards
paths:
  /issuing/users/{userId}/balances:
    get:
      tags:
        - balances
      summary: Get a users's credit balances
      operationId: getIssuingUserBalances
      parameters:
        - name: userId
          in: path
          description: Id of the user to get balances for
          required: true
          schema:
            type: string
            format: uuid
      responses:
        '200':
          description: Successful operation
          content:
            application/json:
              schema:
                type: object
                required:
                  - creditLimit
                  - pendingCharges
                  - postedCharges
                  - balanceDue
                  - spendingPower
                properties:
                  creditLimit:
                    type: integer
                    description: Credit limit of the user, in cents
                  pendingCharges:
                    type: integer
                    description: Pending charges of the user, in cents
                  postedCharges:
                    type: integer
                    description: Posted charges of the user, in cents
                  balanceDue:
                    type: integer
                    description: Balance due of the user, in cents
                  spendingPower:
                    type: integer
                    description: The amount of money the user can spend, in cents
                  spendingPowerWithWallet:
                    type: integer
                    description: >-
                      The user's total spending power including any USDC that
                      can be pulled from their linked on-chain wallet at
                      authorization time, in cents. This equals spendingPower
                      plus the minimum of the user's wallet balance and approved
                      allowance, summed across all supported chains. Only
                      present for tenants using wallet allowance collateral
                      sourcing.
        '401':
          description: Invalid authorization
        '404':
          description: Team not found
        '500':
          description: Internal server error
      security:
        - ApiKeyAuth: []
components:
  securitySchemes:
    ApiKeyAuth:
      type: apiKey
      name: Api-Key
      in: header

````