Buy Now Pay Later

Overview

Our Buy Now Pay Later (BNPL) services offer flexible payment options that empower customers to make purchases immediately while paying over time. By removing financial barriers at checkout, merchants can increase conversion rates, boost average order values, and enhance customer loyalty. Our seamless integration delivers a frictionless shopping experience across both online and in-store environments, with simple eligibility checks and transparent terms. This win-win solution helps businesses grow revenue while giving customers the purchasing power they need with manageable payment schedules.

Get Eligible Plans

Instantly shows payment options a customer qualifies for, with personalized terms and rates based on their profile.

Balance Transfer

Moves debt from accounts to your platform, typically offering lower interest rates and consolidated payments.

LoanOnCall QuickCash

Provides instant cash loans to pre-approved customers, with funds deposited directly to their bank accounts.

Financial Posting

Automatically records and reconciles payment transactions across accounting systems, ensuring accurate financial tracking and regulatory compliance with detailed audit trails.

Balance Conversion

Transforms credit purchases into fixed installment plans with structured payment terms.

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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
Product : Buy Now Pay Later
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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
Product : Buy Now Pay Later
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Refinance Transaction(Post)

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

Status :Production
Version :V2
Product : Buy Now Pay Later
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Get Plan List(Post)

This API allows fetching the list of active instalment plans.

Status :Production
Version :V2
Product : Buy Now Pay Later
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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
Product : Buy Now Pay Later
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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
Product : Buy Now Pay Later
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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
Product : Buy Now Pay Later
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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
Product : Buy Now Pay Later
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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
Product : Buy Now Pay Later
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Get Eligible Plans

Status:

Production

Version:

V2

Product:

Buy Now Pay Later

Get Eligible Plans

Overview

The 'Get Eligible Plans' API offers personalized plan recommendations based on eligibility criteria, allowing for a seamless and efficient plan selection process. With comprehensive and informative plan details provided, users can make informed decisions about which plan is best for them. Overall, this API streamlines the process of finding the right plan for each user.

Eligibility-based plan recommendations

This API offers personalized plan recommendations based on eligibility criteria, ensuring that customers only see plans that they are eligible for.

Quick and easy plan selection

The 'Get Eligible Plans' API provides a quick and easy way for users to find the best plan for their needs, saving time and effort.

Relevant plan details

The API provides detailed information about the recommended plans, including the plan number, interest rate etc. helping consumers make informed decisions.

How It Works

The 'Get Eligible Plans' API is allows authorized users to retrieve a list of plans that they are eligible for based on certain criteria. To use this API, users must provide information about the card they want to use for the plan, as well as details about the transaction and the type of action they want to perform. The API will then provide a list of eligible plans that match the user's criteria, including details such as the plan name, price, and duration.

Process 1

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Process 1

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Process 1

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https://api-sandbox.network.global

Get Eligible Plans

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Status:

Production

Version:

V2

Product:

Buy Now Pay Later
/SB/CardServices/Enquiry/V2/GetEligiblePlans
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
headermsg_id* requiredstring12The msg_id sent in the request will be sent back in response in this field
msg_type* requiredstring12Request Type Default ENQUIRY
msg_function* requiredstring50Function name to be used Default REQ_GET_ELIGIBLE_PLANS
src_application* requiredstring10Source requesting channel Ex IVR
target_application* requiredstring10Target application name Ex PCMS
timestamp* requiredstring30Timestamp of the request Format DD/MM/YYYY HH:MM:SS
bank_id* requiredstring4Source Bank Id Ex bankID
bodycard_identifier_id* requiredstring32card identifier
card_identifier_type* requiredstring20CONTRACT_NUMBER or EXID
trans_idstring20Transaction Id
actionstring20balance_conversion, balance_transfer, loan
balance_amountstring20Balance amount

{
    "NISrvRequest": {
        "request_get_eligible_plans": {
            "header": {
                "msg_id": "236001",
                "msg_type": "ENQUIRY",
                "msg_function": "REQ_GET_ELIGIBLE_PLANS",
                "src_application": "IVR",
                "target_application": "CMS",
                "timestamp": "2020-07-20T10:49:02.366+04:00",
                "bank_id": "NIC"
            },
            "body": {
                "card_identifier_id": "99984100148297467162",
                "card_identifier_type": "EXID",
                "trans_id": "",
                "action": "EXID",
                "balance_amount": "EXID"
            }
        }
    }
}

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

Node TypeTypeLengthDescription
headermsg_id* requiredstring12The msg_id sent in the request will be sent back in response in this field
msg_type* requiredstring12Request Type Default ENQUIRY
msg_function* requiredstring50Function name to be used Default RES_GET_ELIGIBLE_PLANS
src_application* requiredstring10Source requesting channel Ex IVR
target_application* requiredstring10Target application name Ex PCMS
timestamp* requiredstring30Timestamp of the request Format DD/MM/YYYY HH:MM:SS
bank_id* requiredstring4Source Bank Id Ex bankID
instance_idstring10InstanceID
exception_details
bodyplansplan_number* requiredstring5Plan number
number_of_portions* requiredstring4Number of portions
interest* requiredstring3Interest

{
    "NISrvResponse": {
        "response_get_eligible_plans": {
            "header": {
                "msg_id": "236001",
                "msg_type": "ENQUIRY",
                "msg_function": "RES_GET_ELIGIBLE_PLANS",
                "src_application": "IVR",
                "target_application": "CMS",
                "timestamp": "2020-07-20T10:49:02.366+04:00",
                "bank_id": "NIC",
                "instance_id": "InstanceID"
            },
            "exception_details": {
                "application_name": "TCC-ADP",
                "date_time": "2023-02-01T16:39:47.314+04:00",
                "status": "S",
                "error_code": "000",
                "error_description": "Success"
            },
            "body": {
                "plans": [
                    {
                        "plan_number": "",
                        "number_of_portions": "",
                        "interest": ""
                    }
                ]
            }
        }
    }
}

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