Docs
e2e

Demopay (PSD2)

Learn about our end-to-end PSD2-compliant customer journey from onboarding a customer to settling their order. The PSD2 customer journey includes additional eKYC checks for the customer to complete before being onboarded for credit.

1

createApplication

The applicant enters their personal information into a blank application form and the request is sent, creating the application.

post
/v2/applications
See API reference
2

verifyPhoneNumber

Check whether the applicant’s phone number exists. If this is false, it is still possible to continue with the acquisition journey. This step requires a third-party integration.
Please note that steps verifyPhoneNumber, verifyEmailAddress and checkEligibility steps happen in parallel.

3

verifyEmailAddress

Check whether the applicant’s email address exists. If this is false, it is still possible to continue with the acquisition journey. This step requires a third-party integration.
Please note that steps verifyPhoneNumber, verifyEmailAddress and checkEligibility steps happen in parallel.

4

checkEligibility

Once the applicant has created an application, complete a soft check on their eligibility. The response returned will define the next step in the customer journey with the state defined below. Information is passed at this point to your credit decision engine.
Please note that steps verifyPhoneNumber, verifyEmailAddress and checkEligibility steps happen in parallel.

5

SSO Widget - Create credentials

Create log-in credentials to save and return your application journey, repeat spend and set up your e-servicing account.

6

ApplicationOtpInitiate

Send a One-time Passcode (OTP) to the application mobile phone number.

7

ApplicationOtpValidate

Verify the code provided by the applicant to the code sent to the phone number.

8

ApplicationPennyDropInitiate

Match the applicant's details to the applicant’s bank account using a third-party integration. If it matches, 1p will be sent to the customer with a code as the reference.

9

ApplicationPennyDropValidate

Verify the code provided by the applicant to the code sent to the bank account.

10

renderDocument

Retrieve and display an applicant’s Important Customer Information, Pre-contract Credit Information, and the Credit Agreement in HTML or PDF. This endpoint is called once per document that is retrieved.

11

applicationUpdate

Update information about an applicant that has been captured during their application. This can be information from the application form or other information such as marketing preferences, credit limit increases and more.

12

signature

An applicant will tick their e-signature and submitting this will confirm they have accepted the terms of their agreement. The response returned will define the next step in the customer journey, for this journey, the state is defined below.
Please note that signature, requestDecision and createCustomer steps happen sequentially.

13

requestDecision

Perform a hard check on the applicant’s credit history and use the returned information in your credit decision engine. For this journey, the state is defined below.
Please note that signature, requestDecision and createCustomer steps happen sequentially.

14

createCustomer

Onboard the applicant as a customer and complete the credit acquisition process. For this journey, the state is defined below.
Please note that signature, requestDecision and createCustomer steps happen sequentially.

15

retrieveSpendOptionsForCustomerRef

Retrieve and display the spend options available based on the customer and basket.

16

initiate

Check if eKYC checks are required for the customer's purchase.

17

SCA Widget

Send and validate an OTP to the customer’s mobile number on the customer’s account.

18

authorise

Authorise a transaction once a spend option has been chosen.

19

settle

Settle the authorisation once the order has been received.

Request Example

Request

1curl --request POST \
2  --url https://dapi.stg-newdaytechnology.net/acquisition/v2/applications \
3  --header 'Device-Endpoint: SOME_STRING_VALUE' \
4  --header 'Device-Type: SOME_STRING_VALUE' \
5  --header 'Merchant-Id: SOME_STRING_VALUE' \
6  --header 'Session-Id: SOME_STRING_VALUE' \
7  --header 'content-type: application/json' \
8  --data '{"productId":"string","customerRef":"string","brand":"string","merchantId":"string","externalRef":"string","title":"mr","firstName":"string","middleNames":"string","lastName":"string","dateOfBirth":"2019-08-24T14:15:22Z","email":"strings","mobile":"string","homePhone":"string","currentAddress":{"flatNumber":"string","houseName":"string","houseNumber":"string","street":"string","district":"string","town":"string","postcode":"string","county":"string","country":"string","movedIn":"2019-08-24T14:15:22Z","timeAtAddress":"string"},"previousAddressOverseas":true,"previousAddress":{"flatNumber":"string","houseName":"string","houseNumber":"string","street":"string","district":"string","town":"string","postcode":"string","county":"string","country":"string","movedIn":"2019-08-24T14:15:22Z","timeAtAddress":"string"},"grossAnnualIncome":0.1,"otherHouseholdIncome":0.1,"accommodationCosts":0.1,"expenditureDependants":0.1,"expenditureEducationCost":0.1,"expenditureUtilitiesCost":0.1,"expenditureOtherCost":0.1,"financialSituation":"decline","dependants":7,"employmentStatus":"fullTime","employmentStartDate":"2019-08-24T14:15:22Z","employerName":"string","residentialStatus":"ownerOccupier","maritalStatus":"married","statementPreference":"eStatements","marketingConsent":{"email":true,"post":true,"sms":true,"phone":true,"online":true},"basketAmount":0.1,"basketRef":"string","loanAmount":0.1,"loanTerm":0,"dcmScore":9999,"marketingRef":"stringstringstringst","verificationId":"stringstri","applicantReferralId":"string","openBankingUserId":"stringstri","source":"other","channel":"Aggregators","kycEvidences":[{"type":"mobilePhoneOtp","status":"authenticated","creationDate":"2019-08-24T14:15:22Z"}],"assistedTransferData":{"flag":"1","urn":"string","primaryRecordIdentifier":"string","accountOpenDate":"2019-08-24T14:15:22Z","customerNameChanged":true,"customerConsentSubmitted":true,"customerDateOfBirthChanged":true,"customerAddressChanged":true,"physicalIdCheckCompleted":true,"physicalIdCheckDateCompleted":"2019-08-24T14:15:22Z","alternativeOtpCompleted":true,"pennyDropSkipped":true,"balanceTransferRequested":true,"consentCreditFraudChecks":true,"instoreCustomerApplicationConsent":true,"accessibilityRequirements":"braille","existingCreditLimit":0.1,"entryMethod":"openDoor","thirdPartyBusinessUnits":[{"businessUnit":"string","timeStamp":"2019-08-24T14:15:22Z"}],"longTermBTOffer":"0"},"employeeId":"string","storeId":"string","cashWithdrawalRequired":true,"cashWithdrawalAmount":0.1,"moneyTransferAmount":0.1,"balanceTransferRequired":true,"balanceTransferAmount":0.1,"chosenPaymentDayOfMonth":1,"checkoutIndicator":true,"nationalityDetails":{"nationality":"str","ukArrivalDate":"string","visaStatus":"string","visaExpiryDate":"string"},"merchantInformation":{"shippingAddress":{"title":"mr","firstName":"string","middleNames":"string","lastName":"string","address1":"string","address2":"string","town":"string","postcode":"string","county":"string","country":"string"}},"creditLimitIncreasePreference":"automatic","occupation":"string"}'

Response Example

Response

JSON

1{
2  "id": "497f6eca-6276-4993-bfeb-53cbbbba6f08",
3  "customerRef": "string",
4  "modifiedDate": "2019-08-24T14:15:22Z"
5}