Buy Now Pay Later

Buy Now Pay Later

Overview

Our Buy Now Pay Later services provide an easy and flexible payment option for your customers, allowing them to make purchases now and pay for them at a later date. This can help to increase sales by making it easier for customers to make larger purchases, or to buy more frequently.

Our Buy Now Pay Later services also include the ability to set up recurring payments, which can help to increase customer loyalty by making it easy for customers to make regular payments for their purchases. Our platform also allows customers to track and manage their payments, which can help to improve their experience and satisfaction.

Version
Get Eligible Plans(Post)

The Get Eligible Plans API is a useful tool for payment processing companies that offer credit or debit card services. This API allows customers to easily view a list of plans that they are eligible for, providing a convenient way to compare different plan options and choose the one that best suits their needs.

Status :Production
Version : V2
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Balance Transfer(Post)

The Balance Transfer API is a powerful tool for payment processing companies that offer balance transfer services. This API allows customers to easily transfer the balance from one credit card to another, providing a convenient way to manage their finances and pay off debt.

Status :Production
Version : V2
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LoanOnCall QuickCash(Post)

The Quick Cash API is a powerful tool for payment processing companies that offer loan services. This API allows customers to apply for and receive loans quickly and easily, providing a convenient and hassle-free way to access credit when needed.

Status :Production
Version : V2
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Get Eligible Transactions(Post)

This API retrieves a list of transactions that qualify for conversion into an installment plan.

Status :Production
Version : V2
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Refinance Transaction(Post)

This API allows the conversion of a specific transaction into an installment plan.

Status :Production
Version : V2
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Get Plan List(Post)

This API allows fetching the list of active instalment plans.

Status :Production
Version : V2
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Get Plan Details ById(Post)

This API allows fetching all the details related to active instalment plan.

Status :Production
Version : V2
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Balance Conversion(Post)

IPP Balance Conversion API transaction transfers outstanding principal amounts from IPP plans to Retail plans. It debits the IPP LOAN UNB bucket and credits the "Retail Instalments (technical)" account, then allocates funds to RETAIL plan LOAN buckets following a priority sequence of BIL_PREV, BIL_LAST, and CUR. This enables efficient balance transfers between payment structures while maintaining systematic allocation priorities.

Status :Production
Version : V2
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Financial Posting(Post)

This service is used for fetching the Summary of all instalment plans for specified card.

Status :Production
Version : V2
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Balance Transfer(Post)

This API used for refinancing the new cardholder's balance of a card in other bank from the new card account.

Status :Production
Version : V2
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LoanOnCall QuickCash(Post)

The Quick Cash API is a powerful tool for payment processing companies that offer loan services. This API allows customers to apply for and receive loans quickly and easily, providing a convenient and hassle-free way to access credit when needed.

Status :Production
Version : V2
Try Out   

Balance Conversion

Status:

Production

Version:

V2

Category:

Buy Now Pay Later

Balance Conversion

Overview

IPP Balance Conversion API transaction transfers outstanding principal amounts from IPP plans to Retail plans. It debits the IPP LOAN UNB bucket and credits the "Retail Instalments (technical)" account, then allocates funds to RETAIL plan LOAN buckets following a priority sequence of BIL_PREV, BIL_LAST, and CUR. This enables efficient balance transfers between payment structures while maintaining systematic allocation priorities.

Flexible Payment Structure Transfer

Enables seamless conversion of outstanding balances between different payment plan types (IPP to Retail), allowing financial institutions to optimize customer payment arrangements.

Customizable Installment Parameters

Supports extensive configuration options including interest rates, grace periods, fee waivers, and ad-hoc fee definitions to tailor the conversion to specific customer needs.

Priority-Based Fund Allocation

Implements a systematic allocation mechanism that follows a predefined priority sequence (BIL_PREV, BIL_LAST, CUR) to ensure proper distribution of converted funds.

Comprehensive Transaction Tracking

Provides detailed transaction references and tracking IDs throughout the process, enabling complete audit trails and reconciliation capabilities.

How It Works

The API receives the conversion request with card and amount details, transfers funds from IPP to Retail accounts following predefined allocation rules, applies any override parameters (fees, interest rates), and returns a confirmation response with transaction status.

https://api-sandbox.network.global

Balance Conversion

Status:

Production

Version:

V2

Category:

Buy Now Pay Later
/BnplServices/Transaction/V2/BalanceConversion
curl --location --request POST '#{PARAM_URL}' --header 'Authorization: Bearer {{ access_token }}' {custom_headers} --data-raw '#{JSON_PAYLOAD}'
curl --location --request GET 'https://api-sandbox.network.global/v1/tokenkc/generate' \--data-raw '#{JSON_PAYLOAD}'
curl --location --request POST 'https://api-sandbox.network.global/v1/tokenkc/generate' \--data-raw '#{JSON_PAYLOAD}'

Node Child Node Type Length Description
Authorization* requiredBearer xxxx* requiredstringAuthorization Header (Bearer Token)
Content-Type* requiredapplication/json* requiredstringContent Type

Node TypeTypeLengthDescription
NISrvRequestrequest_balance_conversionheadermsg_id* requiredstring12The msg_id sent in the request will be sent back in response in this field
msg_type* requiredstring12Message Type – This can have either “TRANSACTION†or “ENQUIRY†As for this API the value expected is “TRANSACTIONâ€
msg_function* requiredstring50Static Value - REQ_CARD_BALANCE_CONVERSION
src_application* requiredstring10Source Application: This is a free Text and the client can populate the source system from where the API is Initiated Example: IVR, IB, MB No Validations of these are kept at Network Systems
target_application* requiredstring10The target_application can hold any value from FI side, this can be used by FI to check the target system of the API call
timestamp* requiredstring30Timestamp of the request - Format YYYY-MM-DDtHH:MM:SS.SSS+04:00
tracking_idstring15Transaction Tracking Id
bank_id* requiredstring4Bank Id is Unique Id 4 digit code for each client and the same will be provided once the client setup is completed in our core system. For sandbox testing – Please use “NICâ€
bodycard_identifier_id* requiredstring32454545XXXXXX1234
card_identifier_type* requiredstring20CONTRACT_NUMBER is used for clear card number or EXID which is a unique identifier for the card generated by CMS
currency* requiredstring3Currency
amount* requiredstring18Amount
instalment_descriptionstring255Description
transaction_ref_number* requiredstring12Transaction Reference Number
plan_number* requiredstring5Plan number used for conversion
optionskey* requiredstring20custom key
value* requiredstring128custom value
override_optionswaive_feestring1Processing Fee Waiver
ad-hoc_fee_typestring1Ad-hoc Fee type: P - percentage, F - fixed
ad-hoc_feestring18Ad-hoc Fee value: the number will be treated as percentage or amount, depending on the AH_FEE_TYPE
interest_ratestring3Instalment fee rate
portion_amountstring18Desired maximum amount on the portion
number_of_portionsstring4Number of portions
grace_periodstring3Number of cycles to shift before billing the first portion.
free_period_numberstring3Number of portions to apply zero fee rate to. The period starts with the first portion.

{
    "NISrvRequest": {
        "request_balance_conversion": {
            "header": {
                "msg_id": "236001",
                "msg_type": "TRANSACTION",
                "msg_function": "REQ_CARD_BALANCE_CONVERSION",
                "src_application": "IVR",
                "target_application": "CMS",
                "timestamp": "2020-07-20T10:49:02.366+04:00",
                "tracking_id": "236001",
                "bank_id": "NIC"
            },
            "body": {
                "card_identifier_id": "99984100148297467162",
                "card_identifier_type": "EXID\/CONTRACT_NUMBER",
                "currency": "AED",
                "amount": "3000.00",
                "instalment_description": "Balance Conversion",
                "transaction_ref_number": "11100521",
                "plan_number": "00166",
                "options": [
                    {
                        "key": "BOOK_TYPE",
                        "value": "SR02"
                    }
                ],
                "override_options": [
                    {
                        "waive_fee": "Y",
                        "ad-hoc_fee_type": "F",
                        "ad-hoc_fee": "25.26",
                        "interest_rate": "15.45",
                        "portion_amount": "50000.0",
                        "number_of_portions": "",
                        "grace_period": "1",
                        "free_period_number": "1"
                    }
                ]
            }
        }
    }
}

Node Child Node Type Length Description
Content-Typeapplication/jsonstringContent Type

Node TypeTypeLengthDescription
NISrvResponseresponse_balance_conversionheadermsg_id* requiredstring12Unique Source Message ID eg ada123456fdsf
msg_type* requiredstring12Message Type – This can have either “TRANSACTION†or “ENQUIRY†As for this API the value expected is “TRANSACTIONâ€
msg_function* requiredstring50Default REP_CARD_BALANCE_CONVERSION
src_application* requiredstring10Source Application: This is a free Text and the client can populate the source system from where the API is Initiated Example: IVR, IB, MB No Validations of these are kept at Network Systems
tracking_idstring15Transaction Tracking Id
bank_id* requiredstring4Bank Id is Unique Id 4 digit code for each client and the same will be provided once the client setup is completed in our core system. For sandbox testing – Please use “NICâ€
exception_detailsapplication_name* requiredstring20Application Name
date_time* requiredstring30Timestamp of the response Format “YYYY-MM-DD HH:MM:SSâ€
status* requiredstring1Status of the request (S/F)
error_code* requiredstring4EAI Internal Error Code (Check error codes section for the complete list of error codes and error code descriptions)
error_description* requiredstring100Error Description (Check error codes section for the complete list of error codes and error code descriptions)
transaction_ref_idstring20The tracking_id sent in the request will be sent back in response in this field.

{
    "NISrvResponse": {
        "response_balance_conversion": {
            "header": {
                "msg_id": "236001",
                "msg_type": "TRANSACTION",
                "msg_function": "REP_CARD_BALANCE_CONVERSION",
                "src_application": "IVR",
                "tracking_id": "236001",
                "bank_id": "NIC"
            },
            "exception_details": {
                "application_name": "TCC-ADP",
                "date_time": "2023-02-01T16:39:47.314+04:00",
                "status": "S",
                "error_code": "000",
                "error_description": "Success",
                "transaction_ref_id": "236001"
            }
        }
    }
}

Code Description
200Sample Description
400Bad Request
401Unauthorized
403Forbidden
500Internal Server Error
502Bad gateway
503Scheduled Maintenance
504Gateway Timeout
596Service Not Found

How It Works

Follow the steps below. For more details, read the Quick Start Guide.

1- Process 1

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2- Process 1

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3- Process 1

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4- Process 1

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5- Process 1

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