Workflow
Journey

Embedded Finance (Non-PSD2)

Learn about our end to end customer journey from onboarding a customer through to completing their order.

createApplication

The applicant can enter their personal information into an application form and the request is sent, creating the application.

post

/v2/applications

verifyEmailAddress

Check the applicant’s email address exists, if this is false, it is still possible to continue with the acquisition journey.

post

/customers/supported-formats/email-address

verifyPhoneNumber

Check the applicant’s email address exists, if this is false, it is still possible to continue with the acquisition journey.

post

/customers/supported-formats/phone-number

checkEligibility

Complete a soft check on the applicant's eligibility once they have created an application. The response returned will define the next step in the customer journey, for this journey the possible states and substates are defined below.

post

/v2/applications/{id}/eligibility

updateApplicantInfo

Let the customer provide the additional information to complete a hard credit check.

patch

/v2/applications/{id}

requestDecision

Perform a hard check on the applicant’s credit history using the application identifier. The response returned will define the next step in the customer journey, for this journey the possible states and substates are defined below.

post

/v2/applications/{id}/decision

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.

get

/v2/applications/{id}/document/{documentType}

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 possible states and substates are defined below.

post

/v2/applications/{id}/signature

createCustomer

Onboard the applicant as a customer and complete the credit acquisition process.

post

/v2/customers/{id}

retrieveSpendOptions

Retrieve and display the spend options available based on the customer or product.

get

/merchant/{customerRef}/spend-options

authorise

The customer will select a spend option and press checkout, this will trigger the authorisation request.

post

/merchant/{customerRef}/authorisation

settle

Once the customer has received their order, their order can be settled.

post

/merchant/{customerRef}/authorisation/{authorisationId}/settle

Request Example

Request

Language:

1curl --request POST \
2  --url https://dapi.stg-newdaytechnology.net/acquisition/v2/applications \
3  --header 'Merchant-Id: SOME_STRING_VALUE' \
4  --header 'Session-Id: SOME_STRING_VALUE' \
5  --header 'content-type: application/json' \
6  --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","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,"chosenPaymentDueDate":"2019-08-24T14:15:22Z","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}

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