Credilinq.ai Payment API

openapi: 3.0.0
info:
  title: CrediLinq Authentication Payment API
  description: 'CrediLinq embedded finance API: B2B PayLater and GMV Financing for platforms and marketplaces. Covers Auth0 token generation, merchant onboarding and eligibility, customer and director KYC, credit line and loan (drawdown) management, payments and reconciliation, reporting, and demographic reference data.'
  version: '1.0'
  contact:
    name: CrediLinq Support
    email: support@credilinq.ai
    url: https://docs.credilinq.ai/
servers:
- url: https://sandbox-api.credilinq.ai
  description: Sandbox
- url: https://stage-api.credilinq.ai
  description: Staging
- url: https://api.credilinq.ai
  description: Production
security:
- access-token: []
tags:
- name: Payment
paths:
  /v1/payments/loan/initiate-payment:
    post:
      operationId: PaymentsController_initiatePaymentBNPLV1
      summary: Initiate payment
      description: ''
      parameters:
      - name: accept-language
        in: header
        description: 'Language of the response, supported languages: en-us, in'
        schema:
          type: string
          default: en-us
      - name: idempotency-key
        in: header
        description: Idempotency Key for retries
        schema:
          type: string
          default: ''
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/MakeLoanPaymentV1Dto'
      responses:
        '200':
          description: Loan Payment Done Successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/MakeLoanPaymentResponse'
        '400':
          description: Invalid Request
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/BadRequestDrawdownResponse'
        '401':
          description: Invalid credentials
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/UnauthorizedResponse'
        '403':
          description: Forbidden resource
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ForbiddenResponse'
        '500':
          description: Internal Server Error, Some problem is there, please try after sometime
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/InternalErrorResponse'
      tags:
      - Payment
      security:
      - access-token: []
  /v1/payments/loan/make-payment:
    post:
      operationId: PaymentsController_makePaymentBNPLV1
      summary: Make payment
      description: ''
      parameters:
      - name: accept-language
        in: header
        description: 'Language of the response, supported languages: en-us, in'
        schema:
          type: string
          default: en-us
      - name: idempotency-key
        in: header
        description: Idempotency Key for retries
        schema:
          type: string
          default: ''
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/MakeLoanPaymentV1Dto'
      responses:
        '200':
          description: Loan Payment done and verify Successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/MakeLoanPaymentResponse'
        '400':
          description: Invalid Request
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/BadRequestDrawdownResponse'
        '401':
          description: Invalid credentials
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/UnauthorizedResponse'
        '403':
          description: Forbidden resource
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ForbiddenResponse'
        '500':
          description: Internal Server Error, Some problem is there, please try after sometime
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/InternalErrorResponse'
      tags:
      - Payment
      security:
      - access-token: []
  /v1/payments/loans/reconcilepayment:
    post:
      operationId: PaymentsController_verifyPaymentBNPL
      summary: Reconcile payment
      description: ''
      parameters:
      - name: accept-language
        in: header
        description: 'Language of the response, supported languages: en-us, in'
        schema:
          type: string
          default: en-us
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/VerifyPaymentV1Dto'
      responses:
        '200':
          description: Success
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/VerifyLoanPaymentsResponse'
        '400':
          description: Invalid Request
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/BadRequestDrawdownResponse'
        '401':
          description: Invalid credentials
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/UnauthorizedResponse'
        '403':
          description: Forbidden resource
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ForbiddenResponse'
        '404':
          description: Requested Data Not Found
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/DrawdownNotFoundResponse'
        '500':
          description: Internal Server Error, Some problem is there, please try after sometime
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/InternalErrorResponse'
      tags:
      - Payment
      security:
      - access-token: []
  /v1/payments/loans/payment/{loanId}:
    get:
      operationId: PaymentsController_getAllPaymentsV1
      summary: Payment History
      description: ''
      parameters:
      - name: accept-language
        in: header
        description: 'Language of the response, supported languages: en-us, in'
        schema:
          type: string
          default: en-us
      - name: loanId
        required: true
        in: path
        schema:
          type: string
      responses:
        '200':
          description: All Loan Payments
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/GetLoanPaymentsResponse'
        '400':
          description: Invalid Request
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/BadRequestDrawdownResponse'
        '401':
          description: Invalid credentials
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/UnauthorizedResponse'
        '403':
          description: Forbidden resource
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ForbiddenResponse'
        '404':
          description: Requested Data Not Found
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/DrawdownNotFoundResponse'
        '500':
          description: Internal Server Error, Some problem is there, please try after sometime
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/InternalErrorResponse'
      tags:
      - Payment
      security:
      - access-token: []
components:
  schemas:
    ForbiddenResponse:
      type: object
      properties:
        statusCode:
          type: number
          default: 403
          description: The HTTP status code of the error
        error:
          type: string
          default: string
          description: Human-readable generic error message
        errorCode:
          type: string
          default: E_FORBIDDEN
          description: Computer-readable code for error handling
        message:
          type: string
          default: string
          description: Human-readable error message containing all available details about how the error occurred
        success:
          type: boolean
          default: false
          description: A boolean indicating whether this was a success response or an error response
      required:
      - statusCode
      - error
      - errorCode
      - message
      - success
    InternalErrorResponse:
      type: object
      properties:
        statusCode:
          type: number
          default: 500
          description: The HTTP status code of the error
        error:
          type: string
          default: string
          description: Human-readable generic error message
        errorCode:
          type: string
          default: E_INTERNAL_ERROR
          description: Computer-readable code for error handling
        message:
          type: string
          default: string
          description: Human-readable error message containing all available details about how the error occurred
        success:
          type: boolean
          default: false
          description: A boolean indicating whether this was a success response or an error response
      required:
      - statusCode
      - error
      - errorCode
      - message
      - success
    LoanPayment:
      type: object
      properties:
        paymentId:
          type: string
          default: string
          description: Id of the payment
        paymentDate:
          type: string
          default: '2025-01-08T05:12:17.404Z'
          description: Date of the payment in UTC Format eg. 2023-03-30T11:46:42.195Z
        paymentAmount:
          type: number
          default: 1000
          description: Payment Amount
        paymentMethod:
          type: string
          default: 1000
          description: Payment Amount
          example: Bank Transfer/UEN Payment/QR Code Payment
        paymentReferenceNo:
          type: string
          default: string
          description: Payment reference number provided while making payment
        accountNumber:
          type: string
          default: string
          description: "Account Number varies based on payment types.\n      \n\nSo for bank transfer payment( this field will contain ```bank account number``` & for UEN number payment this will contain ```UEN Number```"
        accountName:
          type: string
          default: string
          description: Account Name to which payment has been made.
        bankName:
          type: string
          default: string
          description: "Bank Name varies based on payment types.\n      \n\nSo for bank transfer payment this field will be present, for rest of the types it will be empty"
        bankSwiftCode:
          type: string
          default: string
          description: "Bank Swift Code varies based on payment types.\n      \n\nSo for bank transfer payment this field will be present, for rest of the types it will be empty"
        paymentStatus:
          type: number
          default: 2
          description: "We have 3 types of payment status codes. \n    \n For payment rejected: ```0``` \n    \n For payment done, but verification pending: ```1```\n    \n For payment done & verified: ```2```"
        loanId:
          type: string
          default: string
          description: Loan Id, for which payment has been made.
        customerReferenceNo:
          type: string
          default: string
          description: Customer Reference Number, for which payment has been made.
        metadata:
          type: string
          default: string
          description: Metadata for payments. It can be used for reporting, reconciliation purpose.
        createdAt:
          type: string
          default: '2025-01-08T05:12:17.405Z'
          description: Created Timestamp of the payment in UTC Format eg. 2023-03-30T11:46:42.195Z
        updatedAt:
          type: string
          default: '2025-01-08T05:12:17.405Z'
          description: Updated Timestamp of the payment in UTC Format eg. 2023-03-30T11:46:42.195Z
        currency:
          type: string
          default: SGD
          description: Currency Code
      required:
      - paymentId
      - paymentDate
      - paymentAmount
      - paymentMethod
      - paymentReferenceNo
      - accountNumber
      - accountName
      - bankName
      - bankSwiftCode
      - paymentStatus
      - loanId
      - customerReferenceNo
      - metadata
      - createdAt
      - updatedAt
      - currency
    DrawdownNotFoundResponse:
      type: object
      properties:
        statusCode:
          type: number
          default: 404
          description: The HTTP status code of the error
        error:
          type: string
          default: string
          description: Human-readable generic error message
        errorCode:
          type: string
          default: E_D_NOT_FOUND
          description: Computer-readable code for error handling
        message:
          type: string
          default: string
          description: Human-readable error message containing all available details about how the error occurred
        success:
          type: boolean
          default: false
          description: A boolean indicating whether this was a success response or an error response
      required:
      - statusCode
      - error
      - errorCode
      - message
      - success
    VerifyLoanPaymentsResponse:
      type: object
      properties:
        statusCode:
          type: number
          default: 201
          description: The HTTP status code of the error
        data:
          description: Response Data from the operation
          allOf:
          - $ref: '#/components/schemas/VerifyPayment'
        message:
          type: string
          default: Success
          description: Human-readable message containing all available details about the operation
        success:
          type: boolean
          default: true
          description: A boolean indicating whether this was a success response or an error response
      required:
      - statusCode
      - data
      - message
      - success
    VerifyPayment:
      type: object
      properties:
        paymentId:
          type: string
          default: string
          description: Id of the payment
        paymentDate:
          type: string
          default: '2025-01-08T05:12:17.404Z'
          description: Date of the payment in UTC Format eg. 2023-03-30T11:46:42.195Z
        paymentAmount:
          type: number
          default: 1000
          description: Payment Amount
        paymentMethod:
          type: string
          default: 1000
          description: Payment Amount
          example: Bank Transfer/UEN Payment/QR Code Payment
        paymentReferenceNo:
          type: string
          default: string
          description: Payment reference number provided while making payment
        accountNumber:
          type: string
          default: string
          description: "Account Number varies based on payment types.\n      \n\nSo for bank transfer payment( this field will contain ```bank account number``` & for UEN number payment this will contain ```UEN Number```"
        accountName:
          type: string
          default: string
          description: Account Name to which payment has been made.
        bankName:
          type: string
          default: string
          description: "Bank Name varies based on payment types.\n      \n\nSo for bank transfer payment this field will be present, for rest of the types it will be empty"
        bankSwiftCode:
          type: string
          default: string
          description: "Bank Swift Code varies based on payment types.\n      \n\nSo for bank transfer payment this field will be present, for rest of the types it will be empty"
        paymentStatus:
          type: number
          default: 2
          description: "We have 3 types of payment status codes. \n    \n For payment rejected: ```0``` \n    \n For payment done, but verification pending: ```1```\n    \n For payment done & verified: ```2```"
        loanId:
          type: string
          default: string
          description: Loan Id, for which payment has been made.
        customerReferenceNo:
          type: string
          default: string
          description: Customer Reference Number, for which payment has been made.
        metadata:
          type: string
          default: string
          description: Metadata for payments. It can be used for reporting, reconciliation purpose.
        createdAt:
          type: string
          default: '2025-01-08T05:12:17.405Z'
          description: Created Timestamp of the payment in UTC Format eg. 2023-03-30T11:46:42.195Z
        updatedAt:
          type: string
          default: '2025-01-08T05:12:17.405Z'
          description: Updated Timestamp of the payment in UTC Format eg. 2023-03-30T11:46:42.195Z
        currency:
          type: string
          default: SGD
          description: Currency Code
        remark:
          type: string
          default: string
          description: Payment Remark
      required:
      - paymentId
      - paymentDate
      - paymentAmount
      - paymentMethod
      - paymentReferenceNo
      - accountNumber
      - accountName
      - bankName
      - bankSwiftCode
      - paymentStatus
      - loanId
      - customerReferenceNo
      - metadata
      - createdAt
      - updatedAt
      - currency
      - remark
    MakeLoanPaymentResponse:
      type: object
      properties:
        statusCode:
          type: number
          default: 200
          description: The HTTP status code of the error
        data:
          description: Response Data from the operation
          allOf:
          - $ref: '#/components/schemas/LoanPayment'
        message:
          type: string
          default: Success
          description: Human-readable message containing all available details about the operation
        success:
          type: boolean
          default: true
          description: A boolean indicating whether this was a success response or an error response
      required:
      - statusCode
      - data
      - message
      - success
    VerifyPaymentV1Dto:
      type: object
      properties:
        paymentId:
          type: string
          description: Payment Id.
        remark:
          type: string
          description: Comments if any.
          default: Received
      required:
      - paymentId
      - remark
    BadRequestDrawdownResponse:
      type: object
      properties:
        statusCode:
          type: number
          default: 400
        error:
          default: ''
          oneOf:
          - type: string
          - type: array
            items:
              type: string
        errorCode:
          default: ''
          oneOf:
          - type: string
          - type: array
            items:
              type: string
        message:
          default: Error
          oneOf:
          - type: string
          - type: array
            items:
              type: string
        success:
          type: boolean
          default: false
      required:
      - statusCode
      - error
      - errorCode
      - message
      - success
    GetLoanPaymentsResponse:
      type: object
      properties:
        statusCode:
          type: number
          default: 200
          description: The HTTP status code of the error
        data:
          description: Response Data from the operation
          type: array
          items:
            $ref: '#/components/schemas/LoanPayment'
        message:
          type: string
          default: Success
          description: Human-readable message containing all available details about the operation
        success:
          type: boolean
          default: true
          description: A boolean indicating whether this was a success response or an error response
      required:
      - statusCode
      - data
      - message
      - success
    UnauthorizedResponse:
      type: object
      properties:
        statusCode:
          type: number
          default: 401
          description: The HTTP status code of the error
        error:
          type: string
          default: string
          description: Human-readable generic error message
        errorCode:
          type: string
          default: E_UNAUTHORIZED
          description: Computer-readable code for error handling
        message:
          type: string
          default: string
          description: Human-readable error message containing all available details about how the error occurred
        success:
          type: boolean
          default: false
          description: A boolean indicating whether this was a success response or an error response
      required:
      - statusCode
      - error
      - errorCode
      - message
      - success
    MakeLoanPaymentV1Dto:
      type: object
      properties:
        loanId:
          type: string
          default: ''
          example: c3eb1619-ff24-4773-97d8-b05264621e60
          description: Loan Id, for which you want to make payment
        paymentAmount:
          type: number
          example: 1000
          description: "Payment Amount.\n    \n - Support decimal values as well."
        paymentTypeId:
          type: number
          example: 1
          description: "We have 3 types of payments. \n    \n For payment via bank transfer: ```1``` \n    \n For payment using UEN number: ```2```\n    \n For payment using QR code: ```3```"
        paymentReferenceNo:
          type: string
          example: asd123
          description: Payment reference number.
      required:
      - loanId
      - paymentAmount
      - paymentTypeId
  securitySchemes:
    access-token:
      scheme: bearer
      bearerFormat: JWT
      type: http