Temenos Buy Now Pay Later API

openapi: 3.1.0
info:
  title: Temenos Buy Now Pay Later 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: [email protected]
  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/
externalDocs:
  description: Temenos BNPL API Documentation
  url: https://developer.temenos.com/service/buy-now-pay-later
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.
  - name: Loans
    description: >-
      Manage BNPL loan lifecycle from origination through repayment
      including payment schedules and status tracking.
  - name: Merchants
    description: >-
      Manage merchant integrations for point-of-sale BNPL activation
      and settlement processing.
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'
  /loans:
    get:
      operationId: listBnplLoans
      summary: List BNPL Loans
      description: >-
        Retrieve BNPL loans with their repayment status, payment
        schedules, and outstanding balances.
      tags:
        - Loans
      parameters:
        - $ref: '#/components/parameters/pageSize'
        - $ref: '#/components/parameters/pageStart'
        - name: customerId
          in: query
          description: Filter by customer
          schema:
            type: string
        - name: status
          in: query
          description: Filter by loan status
          schema:
            type: string
            enum:
              - ACTIVE
              - COMPLETED
              - DEFAULTED
              - CANCELLED
      responses:
        '200':
          description: Successful retrieval
          content:
            application/json:
              schema:
                type: object
                properties:
                  header:
                    $ref: '#/components/schemas/PaginationHeader'
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/BnplLoan'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /loans/{loanId}:
    get:
      operationId: getBnplLoan
      summary: Get BNPL Loan Details
      description: >-
        Retrieve detailed BNPL loan information including payment
        schedule, payment history, and outstanding balance.
      tags:
        - Loans
      parameters:
        - name: loanId
          in: path
          required: true
          description: Loan identifier
          schema:
            type: string
      responses:
        '200':
          description: Successful retrieval
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/BnplLoan'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
  /merchants:
    get:
      operationId: listMerchants
      summary: List Merchants
      description: >-
        Retrieve registered merchants with their BNPL integration
        configurations and settlement details.
      tags:
        - Merchants
      parameters:
        - $ref: '#/components/parameters/pageSize'
        - $ref: '#/components/parameters/pageStart'
      responses:
        '200':
          description: Successful retrieval
          content:
            application/json:
              schema:
                type: object
                properties:
                  header:
                    $ref: '#/components/schemas/PaginationHeader'
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/Merchant'
        '401':
          $ref: '#/components/responses/Unauthorized'
components:
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT
  parameters:
    pageSize:
      name: page_size
      in: query
      schema:
        type: integer
        minimum: 1
        maximum: 100
        default: 25
    pageStart:
      name: page_start
      in: query
      schema:
        type: integer
        minimum: 0
        default: 0
  responses:
    BadRequest:
      description: Invalid request
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    Unauthorized:
      description: Authentication required
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    NotFound:
      description: Not found
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
  schemas:
    PaginationHeader:
      type: object
      properties:
        page_size:
          type: integer
        page_start:
          type: integer
        total_size:
          type: integer
    CreditOfferRequest:
      type: object
      required:
        - customerId
        - purchaseAmount
        - currency
      properties:
        customerId:
          type: string
          description: Customer identifier
        merchantId:
          type: string
          description: Merchant identifier
        purchaseAmount:
          type: number
          format: double
          description: Purchase amount
          minimum: 0.01
        currency:
          type: string
          description: Currency
          pattern: '^[A-Z]{3}$'
        purchaseDescription:
          type: string
          description: Purchase description
    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
    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
    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
    Merchant:
      type: object
      description: Registered merchant
      properties:
        merchantId:
          type: string
          description: Merchant identifier
        merchantName:
          type: string
          description: Merchant name
        category:
          type: string
          description: Merchant category
        settlementAccountId:
          type: string
          description: Settlement account
        status:
          type: string
          description: Integration status
    Error:
      type: object
      properties:
        errorCode:
          type: string
        errorMessage:
          type: string