Buy Now Pay Later - API Integration Overview

The BNPL (Buy Now Pay Later) API enables you to offer installment payment options to your customers at checkout. This API handles the complete credit application lifecycle from customer eligibility check to contract signing and payment collection.

Overview

The BNPL integration consists of four main flows:

🛒 Origination Flow (Checkout)

The loan application process during customer checkout:

flowchart TD
    Start([Customer Checkout]) --> FastQualify{Fast Qualify<br/>OPTIONAL}
    
    FastQualify -->|Eligible| CreateApp[Create Application<br/>Credit Policy Check]
    FastQualify -->|Skip| CreateApp[Create Application<br/>Credit Policy Check]
        
    CreateApp --> UpdateApp[Update Application<br/>Offer Selection]
    
    UpdateApp --> SignContract[Sign Contract<br/>Purchase Summary]
    
    SignContract --> Approval{Step 6: Approval<br/>Anti-fraud/Selfie<br/>OPTIONAL}
    
    Approval -->|Execute Selfie| SelfieCheck[QI Tech Liveness]
    Approval -->|Skip| AutoApprove[Auto Approval]
    
    SelfieCheck --> Decision{Approved?}
    AutoApprove --> Decision
    
    Decision -->|Yes| Charge[Charge Application<br/>Loan Disbursement]
    Decision -->|No| Declined[Application Declined]
    
    Charge --> Success([Funding Complete])
    Declined --> End([Process End])
    
    style FastQualify fill:#e3f2fd
    style Approval fill:#e3f2fd
    style RegisterPerson fill:#c8e6c9
    style CreateApp fill:#c8e6c9
    style UpdateApp fill:#c8e6c9
    style SignContract fill:#c8e6c9
    style Charge fill:#c8e6c9
    style Success fill:#a5d6a7
    style Declined fill:#ef9a9a

💳 Collection Flow (Post-Purchase)

Payment collection and debt management after the loan is disbursed:

flowchart LR
    A[Payment Plans] --> B[Installments]
    B --> C[Charging]
    C --> D[Renegotiation]

❌ Cancellation Flow

Cancel a loan application before it's charged:

flowchart LR
    A[Application Created] --> B{Disbursed?}
    B -->|No| C[Cancel Application]
    C --> D[Status: CANCELLED]
    B -->|Yes| E[Cannot Cancel]

💸 Refund Flow

Process refunds for charged applications:

flowchart LR
    A[Charged Application] --> B[Request Refund]
    B --> C[Process Refund]
    C --> D[Check Refund Status]
    D --> E[Status: REFUNDED]