openapi: 3.1.0
info:
  title: Temenos Buy Now Pay Later Accounts 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: api.support@temenos.com
  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/
servers:
- url: https://api.temenos.com/bnpl/v1
  description: Temenos BNPL API - Production
security:
- bearerAuth: []
tags:
- name: Accounts
  description: Manage commercial banking accounts including current accounts, savings accounts, and operational accounts with regional compliance.
paths:
  /accounts:
    get:
      operationId: listCmbAccounts
      summary: List Commercial Banking Accounts
      description: Retrieve commercial banking accounts with country-specific product details and regulatory compliance status.
      tags:
      - Accounts
      parameters:
      - $ref: '#/components/parameters/pageSize'
      - $ref: '#/components/parameters/pageStart'
      - name: customerId
        in: query
        description: Filter by customer
        schema:
          type: string
      - name: region
        in: query
        description: Filter by regional market
        schema:
          type: string
      responses:
        '200':
          description: Successful retrieval
          content:
            application/json:
              schema:
                type: object
                properties:
                  header:
                    $ref: '#/components/schemas/PaginationHeader'
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/CmbAccount'
        '401':
          $ref: '#/components/responses/Unauthorized'
    post:
      operationId: createCmbAccount
      summary: Create Commercial Banking Account
      description: Create a new commercial banking account using pre-configured regional product templates with local regulatory compliance.
      tags:
      - Accounts
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/CmbAccountCreate'
      responses:
        '201':
          description: Account created
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/CmbAccount'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /accounts/{accountId}:
    get:
      operationId: getAccount
      summary: Get Account Details
      description: Retrieve detailed information for a specific customer account including balances, product details, interest rates, and associated services.
      tags:
      - Accounts
      parameters:
      - $ref: '#/components/parameters/accountId'
      responses:
        '200':
          description: Successfully retrieved account details
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Account'
        '401':
          $ref: '#/components/responses/Unauthorized_2'
        '404':
          $ref: '#/components/responses/NotFound'
components:
  responses:
    Unauthorized_2:
      description: Authentication credentials missing or invalid
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error_2'
    Unauthorized:
      description: Authentication required
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    BadRequest:
      description: Invalid request
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    NotFound:
      description: Requested resource not found
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error_2'
  schemas:
    Error_2:
      type: object
      description: Error response
      properties:
        code:
          type: string
          description: Error code
        message:
          type: string
          description: Human-readable error message
        details:
          type: array
          items:
            type: object
            properties:
              field:
                type: string
                description: Field that caused the error
              message:
                type: string
                description: Detail of the error
          description: Additional error details
    PaginationHeader:
      type: object
      properties:
        page_size:
          type: integer
        page_start:
          type: integer
        total_size:
          type: integer
    CmbAccount:
      type: object
      description: Commercial banking account
      properties:
        accountId:
          type: string
          description: Account identifier
        customerId:
          type: string
          description: Customer identifier
        productId:
          type: string
          description: Product identifier
        accountType:
          type: string
          description: Account type
        currency:
          type: string
          description: Account currency
        balance:
          type: number
          format: double
          description: Current balance
        region:
          type: string
          description: Regional market
        status:
          type: string
          description: Account status
    CmbAccountCreate:
      type: object
      required:
      - customerId
      - productId
      - currency
      properties:
        customerId:
          type: string
          description: Customer identifier
        productId:
          type: string
          description: Regional product template
        currency:
          type: string
          description: Account currency
          pattern: ^[A-Z]{3}$
    Error:
      type: object
      properties:
        errorCode:
          type: string
        errorMessage:
          type: string
    Account:
      type: object
      description: Customer bank account visible through the digital channel
      properties:
        accountId:
          type: string
          description: Unique account identifier
        accountName:
          type: string
          description: Customer-defined name for the account
        accountType:
          type: string
          description: Type of account
          enum:
          - CURRENT
          - SAVINGS
          - DEPOSIT
          - LOAN
          - CREDIT_CARD
        currency:
          type: string
          description: ISO 4217 currency code
          pattern: ^[A-Z]{3}$
        availableBalance:
          type: number
          description: Available balance for transactions
        currentBalance:
          type: number
          description: Current ledger balance
        status:
          type: string
          description: Account status
          enum:
          - ACTIVE
          - DORMANT
          - CLOSED
          - BLOCKED
        productName:
          type: string
          description: Name of the banking product
  parameters:
    accountId:
      name: accountId
      in: path
      required: true
      description: Unique account identifier
      schema:
        type: string
    pageStart:
      name: page_start
      in: query
      schema:
        type: integer
        minimum: 0
        default: 0
    pageSize:
      name: page_size
      in: query
      schema:
        type: integer
        minimum: 1
        maximum: 100
        default: 25
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT
externalDocs:
  description: Temenos BNPL API Documentation
  url: https://developer.temenos.com/service/buy-now-pay-later