Buy Now Pay Later (NTB) | API Developer Portal

Buy Now Pay Later (NTB) 5 APIs

These APIs are used to create a Pay Later order for customers who are New To Bank(NTB). The entire journey is divided into 5 stages viz - Create Cart, Get Offer Details, Process Order, Get Order Status and OTP Verification/User Consent.

On Boarding

Underwriting

Digital KYC

NACH

Loan account creation

Disbursal

Rollback

Dashboard

Repayment

Create Cart

This API is for NTB customers. API gets the user category if category is supported by application for Lead Generation.
Get Offer Details

This API is for NTB customers. This API will generate the loan offer for customer. Customer’s offer will be generated based on the customer’s demographic details.
Get Order Status

This API is for NTB customers. This API will return action pending if there is some action required from user.
Process Order

This API is for NTB customers. This API will start the user’s actual journey. Initiate KYC or display CKYC for a user for a freezed cart.

Perform Action to Record Consent

This API is for NTB customers. When certain specific action may have to be taken based on poll results.

There are 3 types of requests based on action types

Validate Token:

{
 "txnId":"LD20200506302501",
 "action":"VALIDATE_OTP",
 "actionParams":{
 "parameters": {
 "validateOTPToken" : "abvd23423423ddscsdchafshg",
 }
 }
}

For User Consent:

{
 "txnId":"LD20200506302501",
 "action":"RECORD_CONSENT_CONFIRM_CUST_DETAILS",
 "actionParams":{
 "parameters": {
 "tnc": {
 "ipAddress": "MTI3LjAuMC4x",
 "requestId": "LD20200506302501",
 "deviceInfo": "eb6d98bdc42af565",
 "documentList": [
 {
 "id": 1005,
 "actionData": {
 "action": "PROCEED"
 },
 "userAction": "active offer"
 }
 ]
 }
 }
 }
}

For User Consent acceptance:

{
 "txnId":"LD20200506302501",
 "action":"RECORD_CONSENT_ACCEPT_OFFER",
 "actionParams":{
 "parameters": {
 "tnc": {
 "ipAddress": "MTI3LjAuMC4x",
 "requestId": "LD20200506302501",
 "deviceInfo": "eb6d98bdc42af565",
 "documentList": [
 {
 "id": 1006,
 "actionData": {
 "action": "PROCEED"
 },
 "userAction": "active offer"
 }
 ]
 }
 }
 }
}