Temenos Credit Offers API

openapi: 3.2.0
info:
  title: Temenos Buy Now Pay Later Credit Offers 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/
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.
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'
components:
  schemas:
    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
    Error:
      type: object
      properties:
        errorCode:
          type: string
        errorMessage:
          type: string
    CreditOfferResponse:
      type: object
      description: Credit offer response with available options
      properties:
        offers:
          type: array
          description: Available BNPL offers
          items:
            $ref: '#/components/schemas/CreditOffer'
        decisionExplanation:
          type: string
          description: AI decisioning explanation
    CreditOfferRequest:
      type: object
      required:
      - customerId
      - purchaseAmount
      - currency
      properties:
        customerId:
          type: string
          description: Customer identifier
        merchantId:
          type: string
          description: Merchant identifier
        purchaseAmount:
          type: number
          format: double
          description: Purchase amount
          minimum: 0.01
        currency:
          type: string
          description: Currency
          pattern: ^[A-Z]{3}$
        purchaseDescription:
          type: string
          description: Purchase description
    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
  responses:
    NotFound:
      description: Not found
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    BadRequest:
      description: Invalid request
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    Unauthorized:
      description: Authentication required
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT
externalDocs:
  description: Temenos BNPL API Documentation
  url: https://developer.temenos.com/service/buy-now-pay-later