Offer Debt as a Service at Checkout
End-to-end Debt as a Service at checkout: onboard the Customer, check eligibility, request the loan against your disbursement account, collect consent, and handle repayment method linking.
1. Onboard the Customer
Follow Onboard a Customer to create the Customer and optionally link a card before offering Debt as a Service. You need customerId for every Debt as a Service call.
2. Check eligibility
Call GET /loans/bnpl/customers/{customerId}/eligibility. Only continue when the Customer is eligible, and keep the amount inside the returned band with a supported tenure.
3. Request the loan
Call POST /loans/bnpl/customers/{customerId}/loans with amount, tenor, and your merchant disbursement account (bank_account_no, bank_code). Save data.id as loanId.
4. Request and verify consent
- Call
POST /loans/bnpl/loans/{loanId}/consent/request. - Collect the OTP from the Customer.
- Call
POST /loans/bnpl/loans/{loanId}/consent/verifywith that OTP.
Consent status moves from pending_consent to consented when verification succeeds.
5. Link a repayment method
If you have not already linked a card, start card linking now and wait for customer.card.link.successful.
6. Track loan status
Poll GET /loans/bnpl/loans/{loanId} for loan status, requirements, and schedules. Use GET /loans/bnpl/customers/{customerId}/loans/active when you need all active loans for a Customer. Keep webhook handlers idempotent — deliveries can retry.