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.
Buy Now Pay Later
LoanOnCall QuickCash
Status:
Production
Version:
V2
Product:
Buy Now Pay Later
Loan on Call Quick Cash
Overview
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.
Fast loan approval
The Quick Cash API uses advanced algorithms to assess a customer's loan application in real-time, providing an approval decision within minutes. This allows customers to access the funds they need quickly and without delay.
Flexible repayment options
The Quick Cash API allows customers to choose from a variety of repayment options to suit their needs. Customers can select a repayment schedule that works best for them, whether it's a lump sum payment at the end of the loan term or smaller payments over a longer period of time.
Secure and encrypted
The Quick Cash API uses industry-standard encryption to protect customer data and prevent fraud. Customers can feel confident that their personal and financial information is secure when using the API.
Easy to use
The Quick Cash API is designed to be easy to use, with a simple and intuitive interface that allows customers to apply for a loan in just a few steps. This makes it quick and convenient for customers to access credit when needed.
How It Works
The customer initiates a loan request through the payment processing company's website or mobile app, using the Loan On Call Quick Cash API. The payment processing company verifies the customer's identity and the details of the loan request, using industry-standard security measures to protect customer data and prevent fraud. If the loan request is approved, the payment processing company processes the loan, transferring the funds to the customer's account.
The customer is notified of the approved loan and can view the loan details, including the repayment terms, through the payment processing company's website or mobile app.
Process 1
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Process 1
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Process 1
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Status:
Production
Version:
V2
Product:
Buy Now Pay Later
| Node | Child Node | Type | Length | Description |
|---|---|---|---|---|
| Authorization | Bearer xxxx | string | Authorization Header (Bearer Token) | |
| Content-Type | application/json | string | Content Type |
| Node Type | Type | Length | Description | |||||||
|---|---|---|---|---|---|---|---|---|---|---|
| NISrvRequest | request_loanoncall_quickcash | header | msg_id | string | 12 | The msg_id sent in the request will be sent back in response in this field | ||||
| msg_type | string | 12 | Message Type – This can have either “TRANSACTION†or “ENQUIRY†As for this API the value expected is “TRANSACTION†| |||||||
| msg_function | string | 50 | Static Value - REQ_LOANONCALL_QUICKCASH | |||||||
| src_application | string | 10 | Source 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 | string | 10 | The 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 | string | 30 | Timestamp of the request - Format YYYY-MM-DDtHH:MM:SS.SSS+04:00 | |||||||
| tracking_id | string | 15 | Transaction Tracking Id | |||||||
| bank_id | string | 4 | Bank 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 “NIC†| |||||||
| body | card_identifier_id | string | 32 | 454545XXXXXX1234 | ||||||
| card_identifier_type | string | 20 | CONTRACT_NUMBER is used for clear card number or EXID which is a unique identifier for the card generated by CMS | |||||||
| currency | string | |||||||||
| amount | string | |||||||||
| description | string | |||||||||
| transaction_ref_number | string | |||||||||
| plan_number | string | 5 | Plan number used for conversion | |||||||
| options | key | string | 20 | custom key | ||||||
| value | string | 128 | custom value | |||||||
| override_options | waive_fee | string | 1 | Processing Fee Waiver | ||||||
| ad-hoc_fee_type | string | 1 | Ad-hoc Fee type: P - percentage, F - fixed | |||||||
| ad-hoc_fee | string | 18 | Ad-hoc Fee value: the number will be treated as percentage or amount, depending on the AH_FEE_TYPE | |||||||
| interest_rate | string | 3 | Instalment fee rate | |||||||
| portion_amount | string | 18 | Desired maximum amount on the portion | |||||||
| number_of_portions | string | 4 | Number of portions | |||||||
| grace_period | string | 3 | Number of cycles to shift before billing the first portion. | |||||||
| free_period_number | string | 3 | Number of portions to apply zero fee rate to. The period starts with the first portion. | |||||||
{
"NISrvRequest": {
"request_loanoncall_quickcash": {
"header": {
"msg_id": "236001",
"msg_type": "TRANSACTION",
"msg_function": "REQ_LOANONCALL_QUICKCASH",
"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-Type | application/json | string | Content Type | ||
| Node Type | Type | Length | Description | |||||||
|---|---|---|---|---|---|---|---|---|---|---|
| NISrvResponse | response_loanoncall_quickcash | header | msg_id | string | 12 | Unique Source Message ID eg ada123456fdsf | ||||
| msg_type | string | 12 | Message Type – This can have either “TRANSACTION†or “ENQUIRY†As for this API the value expected is “TRANSACTION†| |||||||
| msg_function | string | 50 | Default REP_LOANONCALL_QUICKCASH | |||||||
| src_application | string | 10 | Source 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_id | string | 15 | Transaction Tracking Id | |||||||
| bank_id | string | 4 | Bank 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 “NIC†| |||||||
| exception_details | application_name | string | 20 | Application Name | ||||||
| date_time | string | 30 | Timestamp of the response Format “YYYY-MM-DD HH:MM:SS†| |||||||
| status | string | 1 | Status of the request (S/F) | |||||||
| error_code | string | 4 | EAI Internal Error Code (Check error codes section for the complete list of error codes and error code descriptions) | |||||||
| error_description | string | 100 | Error Description (Check error codes section for the complete list of error codes and error code descriptions) | |||||||
| transaction_ref_id | string | 20 | The tracking_id sent in the request will be sent back in response in this field. | |||||||
{
"NISrvResponse": {
"response_loanoncall_quickcash": {
"header": {
"msg_id": "236001",
"msg_type": "TRANSACTION",
"msg_function": "REP_LOANONCALL_QUICKCASH",
"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 |
|---|---|
| 200 | Sample Description |
| 400 | Bad Request |
| 401 | Unauthorized |
| 403 | Forbidden |
| 500 | Internal Server Error |
| 502 | Bad gateway |
| 503 | Scheduled Maintenance |
| 504 | Gateway Timeout |
| 596 | Service Not Found |
