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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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
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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Balance Transfer

Status:

Production

Version:

V2

Product:

Buy Now Pay Later

Balance Transfer

Overview

This API allows you to effortlessly transfer funds between accounts. Customize your transfer using optional parameters and receive instant feedback on your transaction.

Streamlined transfer process

The API simplifies the fund transfer process, making it easy for users to transfer funds without any hassle.

Customizable options

Users can tailor their transfers according to their specific needs by utilizing the API's optional parameters.

Detailed transaction feedback

Users receive instant feedback regarding the success or failure of their transactions, ensuring transparency and peace of mind.

How It Works

The Balance Transfer API facilitates fund transfers between accounts using various parameters, including currency, amount, and a brief description of the transfer. A unique reference number and plan number are also included. The API also provides optional parameters, such as interest rates, fees, grace periods, and allocation amounts. Once the parameters are set, the API executes the transfer between the source and destination accounts and returns a response indicating the success or failure of the transaction.

Process 1

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Process 1

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Process 1

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https://api-sandbox.network.global

Balance Transfer

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Status:

Production

Version:

V2

Product:

Buy Now Pay Later
/BnplServices/Transaction/V2/BalanceTransfer
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
X-Request-ID* requireda1v2n3dass* requiredstring12Request ID for identification of each request call, maximum 12 characters
X-Correlation-IDc3ajh65string12Reference to a particular transaction or event chain, maximum 12 characters
X-OrgId* requiredNSGB2* requiredstringOrganization/Financial institution ID
X-SrcAppclientstringSource application
X-ChannelBankstringRequest Channel

Node TypeTypeLengthDescription
NISrvRequestrequest_balance_transferheadermsg_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_BALANCE_TRANSFER
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
description* requiredstring255Description
transaction_ref_number* requiredstring12Transaction Reference Number
plan_number* requiredstring12Plan number for conversion configured by the bank.
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_transfer": {
            "header": {
                "msg_id": "236001",
                "msg_type": "TRANSACTION",
                "msg_function": "REQ_BALANCE_TRANSFER",
                "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",
                "description": "Balance Transfer 270620221110",
                "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_transferheadermsg_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 RES_BALANCE_TRANSFER
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_transfer": {
            "header": {
                "msg_id": "236001",
                "msg_type": "TRANSACTION",
                "msg_function": "RES_BALANCE_TRANSFER",
                "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
201Client Successfully created, the response will be different based on responseDetails field as described in the reponse schema
400Bad request (Refer to the Bussiness Error Table)
401Indicates that the request requires user authentication information. The client MAY repeat the request with a suitable Authorization header field
404The server can not find the requested resource.
500Internal Server Error
502The server got an invalid response while working as a gateway to get the response needed to handle the request
503The server is not ready to handle the request.
504The server is acting as a gateway and cannot get a response in time for a request.
596Service Not Found