APIs for buy now pay later services with embedded Explainable AI for automated decisioning and credit offer matching. Supports interest-free and interest-bearing BNPL products with point-of-sale integration and full loan lifecycle management. Core banking agnostic and deployable on Temenos Banking Cloud.
openapi: 3.1.0
info:
title: Temenos Buy Now Pay Later API
description: >-
APIs for buy now pay later services with embedded Explainable AI for
automated decisioning and credit offer matching. Supports interest-free
and interest-bearing BNPL products with point-of-sale integration and
full loan lifecycle management. Core banking agnostic and deployable
on Temenos Banking Cloud.
version: '1.0.0'
contact:
name: Temenos Developer Support
url: https://developer.temenos.com/
email: api.support@temenos.com
license:
name: Temenos Terms of Service
url: https://www.temenos.com/legal-information/website-terms-and-conditions/
termsOfService: https://www.temenos.com/legal-information/website-terms-and-conditions/
externalDocs:
description: Temenos BNPL API Documentation
url: https://developer.temenos.com/service/buy-now-pay-later
servers:
- url: https://api.temenos.com/bnpl/v1
description: Temenos BNPL API - Production
security:
- bearerAuth: []
tags:
- name: Credit Offers
description: >-
Generate and manage BNPL credit offers using Explainable AI
decisioning for instant approval and offer matching.
- name: Loans
description: >-
Manage BNPL loan lifecycle from origination through repayment
including payment schedules and status tracking.
- name: Merchants
description: >-
Manage merchant integrations for point-of-sale BNPL activation
and settlement processing.
paths:
/offers:
post:
operationId: createCreditOffer
summary: Create Credit Offer
description: >-
Generate a BNPL credit offer using Explainable AI decisioning
based on customer data, purchase amount, and configured product
rules. Returns eligible offer options with interest-free and
interest-bearing terms.
tags:
- Credit Offers
requestBody:
required: true
content:
application/json:
schema:
$ref: '#/components/schemas/CreditOfferRequest'
responses:
'200':
description: Credit offer generated
content:
application/json:
schema:
$ref: '#/components/schemas/CreditOfferResponse'
'400':
$ref: '#/components/responses/BadRequest'
'401':
$ref: '#/components/responses/Unauthorized'
/offers/{offerId}:
get:
operationId: getCreditOffer
summary: Get Credit Offer Details
description: >-
Retrieve details of a generated credit offer including terms,
repayment schedule, and AI decisioning explanation.
tags:
- Credit Offers
parameters:
- name: offerId
in: path
required: true
description: Offer identifier
schema:
type: string
responses:
'200':
description: Successful retrieval
content:
application/json:
schema:
$ref: '#/components/schemas/CreditOffer'
'401':
$ref: '#/components/responses/Unauthorized'
'404':
$ref: '#/components/responses/NotFound'
/offers/{offerId}/accept:
post:
operationId: acceptCreditOffer
summary: Accept Credit Offer
description: >-
Accept a BNPL credit offer to initiate loan creation and
merchant settlement processing.
tags:
- Credit Offers
parameters:
- name: offerId
in: path
required: true
description: Offer identifier
schema:
type: string
responses:
'200':
description: Offer accepted and loan created
content:
application/json:
schema:
$ref: '#/components/schemas/BnplLoan'
'401':
$ref: '#/components/responses/Unauthorized'
'404':
$ref: '#/components/responses/NotFound'
/loans:
get:
operationId: listBnplLoans
summary: List BNPL Loans
description: >-
Retrieve BNPL loans with their repayment status, payment
schedules, and outstanding balances.
tags:
- Loans
parameters:
- $ref: '#/components/parameters/pageSize'
- $ref: '#/components/parameters/pageStart'
- name: customerId
in: query
description: Filter by customer
schema:
type: string
- name: status
in: query
description: Filter by loan status
schema:
type: string
enum:
- ACTIVE
- COMPLETED
- DEFAULTED
- CANCELLED
responses:
'200':
description: Successful retrieval
content:
application/json:
schema:
type: object
properties:
header:
$ref: '#/components/schemas/PaginationHeader'
body:
type: array
items:
$ref: '#/components/schemas/BnplLoan'
'401':
$ref: '#/components/responses/Unauthorized'
/loans/{loanId}:
get:
operationId: getBnplLoan
summary: Get BNPL Loan Details
description: >-
Retrieve detailed BNPL loan information including payment
schedule, payment history, and outstanding balance.
tags:
- Loans
parameters:
- name: loanId
in: path
required: true
description: Loan identifier
schema:
type: string
responses:
'200':
description: Successful retrieval
content:
application/json:
schema:
$ref: '#/components/schemas/BnplLoan'
'401':
$ref: '#/components/responses/Unauthorized'
'404':
$ref: '#/components/responses/NotFound'
/merchants:
get:
operationId: listMerchants
summary: List Merchants
description: >-
Retrieve registered merchants with their BNPL integration
configurations and settlement details.
tags:
- Merchants
parameters:
- $ref: '#/components/parameters/pageSize'
- $ref: '#/components/parameters/pageStart'
responses:
'200':
description: Successful retrieval
content:
application/json:
schema:
type: object
properties:
header:
$ref: '#/components/schemas/PaginationHeader'
body:
type: array
items:
$ref: '#/components/schemas/Merchant'
'401':
$ref: '#/components/responses/Unauthorized'
components:
securitySchemes:
bearerAuth:
type: http
scheme: bearer
bearerFormat: JWT
parameters:
pageSize:
name: page_size
in: query
schema:
type: integer
minimum: 1
maximum: 100
default: 25
pageStart:
name: page_start
in: query
schema:
type: integer
minimum: 0
default: 0
responses:
BadRequest:
description: Invalid request
content:
application/json:
schema:
$ref: '#/components/schemas/Error'
Unauthorized:
description: Authentication required
content:
application/json:
schema:
$ref: '#/components/schemas/Error'
NotFound:
description: Not found
content:
application/json:
schema:
$ref: '#/components/schemas/Error'
schemas:
PaginationHeader:
type: object
properties:
page_size:
type: integer
page_start:
type: integer
total_size:
type: integer
CreditOfferRequest:
type: object
required:
- customerId
- purchaseAmount
- currency
properties:
customerId:
type: string
description: Customer identifier
merchantId:
type: string
description: Merchant identifier
purchaseAmount:
type: number
format: double
description: Purchase amount
minimum: 0.01
currency:
type: string
description: Currency
pattern: '^[A-Z]{3}$'
purchaseDescription:
type: string
description: Purchase description
CreditOfferResponse:
type: object
description: Credit offer response with available options
properties:
offers:
type: array
description: Available BNPL offers
items:
$ref: '#/components/schemas/CreditOffer'
decisionExplanation:
type: string
description: AI decisioning explanation
CreditOffer:
type: object
description: BNPL credit offer
properties:
offerId:
type: string
description: Offer identifier
offerType:
type: string
description: Offer type
enum:
- INTEREST_FREE
- INTEREST_BEARING
purchaseAmount:
type: number
format: double
description: Purchase amount
currency:
type: string
description: Currency
numberOfInstallments:
type: integer
description: Number of installments
installmentAmount:
type: number
format: double
description: Amount per installment
interestRate:
type: number
format: double
description: Annual interest rate
totalRepayment:
type: number
format: double
description: Total repayment amount
expiresAt:
type: string
format: date-time
description: Offer expiry timestamp
BnplLoan:
type: object
description: BNPL loan
properties:
loanId:
type: string
description: Loan identifier
customerId:
type: string
description: Customer identifier
merchantId:
type: string
description: Merchant identifier
purchaseAmount:
type: number
format: double
description: Original purchase amount
currency:
type: string
description: Currency
outstandingBalance:
type: number
format: double
description: Outstanding balance
numberOfInstallments:
type: integer
description: Total installments
installmentsPaid:
type: integer
description: Installments paid
nextPaymentDate:
type: string
format: date
description: Next payment date
nextPaymentAmount:
type: number
format: double
description: Next payment amount
status:
type: string
description: Loan status
enum:
- ACTIVE
- COMPLETED
- DEFAULTED
- CANCELLED
createdDate:
type: string
format: date
description: Loan creation date
Merchant:
type: object
description: Registered merchant
properties:
merchantId:
type: string
description: Merchant identifier
merchantName:
type: string
description: Merchant name
category:
type: string
description: Merchant category
settlementAccountId:
type: string
description: Settlement account
status:
type: string
description: Integration status
Error:
type: object
properties:
errorCode:
type: string
errorMessage:
type: string