Temenos Transactions API

openapi: 3.1.0
info:
  title: Temenos Buy Now Pay Later Accounts Transactions 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: Transactions
  description: Access transaction history and details for customer accounts with support for filtering, pagination, and multi-channel views.
paths:
  /accounts/{accountId}/transactions:
    get:
      operationId: listAccountTransactions
      summary: List Account Transactions
      description: Retrieve transaction history for a specific account. Supports filtering by date range, amount, transaction type, and text search across narratives.
      tags:
      - Transactions
      parameters:
      - $ref: '#/components/parameters/accountId'
      - $ref: '#/components/parameters/pageSize'
      - $ref: '#/components/parameters/pageStart'
      - name: fromDate
        in: query
        description: Start date for transaction history (ISO 8601 format)
        schema:
          type: string
          format: date
      - name: toDate
        in: query
        description: End date for transaction history (ISO 8601 format)
        schema:
          type: string
          format: date
      - name: transactionType
        in: query
        description: Filter by transaction type
        schema:
          type: string
      responses:
        '200':
          description: Successfully retrieved transaction list
          content:
            application/json:
              schema:
                type: object
                properties:
                  transactions:
                    type: array
                    items:
                      $ref: '#/components/schemas/Transaction'
                  pagination:
                    $ref: '#/components/schemas/Pagination'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
  /transactions:
    get:
      operationId: listTransactions
      summary: List Transactions
      description: Retrieve customer journey transactions including their current status, form data, and workflow position.
      tags:
      - Transactions
      parameters:
      - $ref: '#/components/parameters/pageSize_2'
      - $ref: '#/components/parameters/pageStart_2'
      - name: status
        in: query
        description: Filter by transaction status
        schema:
          type: string
          enum:
          - IN_PROGRESS
          - COMPLETED
          - ABANDONED
          - EXPIRED
      responses:
        '200':
          description: Successful retrieval of transactions
          content:
            application/json:
              schema:
                type: object
                properties:
                  header:
                    $ref: '#/components/schemas/PaginationHeader'
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/JourneyTransaction'
        '401':
          $ref: '#/components/responses/Unauthorized_2'
components:
  responses:
    Unauthorized_2:
      description: Authentication required
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error_2'
    Unauthorized:
      description: Authentication credentials missing or invalid
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    NotFound:
      description: Requested resource not found
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
  schemas:
    PaginationHeader:
      type: object
      description: Pagination metadata
      properties:
        page_size:
          type: integer
        page_start:
          type: integer
        total_size:
          type: integer
    Error_2:
      type: object
      description: Error response
      properties:
        errorCode:
          type: string
          description: Error code
        errorMessage:
          type: string
          description: Error description
    Transaction:
      type: object
      description: Account transaction record
      properties:
        transactionId:
          type: string
          description: Unique transaction identifier
        accountId:
          type: string
          description: Account identifier
        amount:
          type: number
          description: Transaction amount
        currency:
          type: string
          description: ISO 4217 currency code
        debitOrCredit:
          type: string
          enum:
          - DEBIT
          - CREDIT
          description: Direction of the transaction
        bookingDate:
          type: string
          format: date
          description: Date the transaction was booked
        valueDate:
          type: string
          format: date
          description: Value date of the transaction
        narrative:
          type: string
          description: Transaction description or narrative
        transactionType:
          type: string
          description: Type of transaction
    JourneyTransaction:
      type: object
      description: Customer journey transaction
      properties:
        transactionId:
          type: string
          description: Transaction identifier
        journeyName:
          type: string
          description: Journey name
        status:
          type: string
          description: Transaction status
          enum:
          - IN_PROGRESS
          - COMPLETED
          - ABANDONED
          - EXPIRED
        currentStep:
          type: string
          description: Current journey step
        customerId:
          type: string
          description: Customer identifier
        startDate:
          type: string
          format: date-time
          description: Journey start timestamp
        lastActivity:
          type: string
          format: date-time
          description: Last activity timestamp
    Pagination:
      type: object
      description: Pagination metadata
      properties:
        pageSize:
          type: integer
          description: Number of records per page
        pageStart:
          type: string
          description: Current page token
        totalRecords:
          type: integer
          description: Total number of records
        hasMore:
          type: boolean
          description: Whether more pages are available
    Error:
      type: object
      description: Error response
      properties:
        code:
          type: string
          description: Error code
        message:
          type: string
          description: Human-readable error message
        details:
          type: array
          items:
            type: object
            properties:
              field:
                type: string
                description: Field that caused the error
              message:
                type: string
                description: Detail of the error
          description: Additional error details
  parameters:
    pageStart_2:
      name: page_start
      in: query
      description: Starting record
      schema:
        type: integer
        minimum: 0
        default: 0
    pageStart:
      name: pageStart
      in: query
      description: Pagination offset token or page number
      schema:
        type: string
    accountId:
      name: accountId
      in: path
      required: true
      description: Unique account identifier
      schema:
        type: string
    pageSize_2:
      name: page_size
      in: query
      description: Records per page
      schema:
        type: integer
        minimum: 1
        maximum: 100
        default: 25
    pageSize:
      name: pageSize
      in: query
      description: Number of records to return per page
      schema:
        type: integer
        default: 25
        minimum: 1
        maximum: 100
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT
externalDocs:
  description: Temenos BNPL API Documentation
  url: https://developer.temenos.com/service/buy-now-pay-later