openapi: 3.1.0
info:
  title: Temenos Buy Now Pay Later Accounts Bulk Payments 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: Bulk Payments
  description: Handle bulk payment file uploads and manual entry for batch payment processing with approval workflows and status tracking.
paths:
  /bulkPayments:
    get:
      operationId: listBulkPayments
      summary: List Bulk Payment Batches
      description: Retrieve a list of bulk payment batches with their processing status and summary information including total amounts and payment counts.
      tags:
      - Bulk Payments
      parameters:
      - $ref: '#/components/parameters/pageSize'
      - $ref: '#/components/parameters/pageStart'
      - name: status
        in: query
        description: Filter by batch processing status
        schema:
          type: string
          enum:
          - PENDING_APPROVAL
          - APPROVED
          - PROCESSING
          - COMPLETED
          - REJECTED
      responses:
        '200':
          description: Successful retrieval of bulk payment batches
          content:
            application/json:
              schema:
                type: object
                properties:
                  header:
                    $ref: '#/components/schemas/PaginationHeader'
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/BulkPayment'
        '401':
          $ref: '#/components/responses/Unauthorized'
    post:
      operationId: createBulkPayment
      summary: Create Bulk Payment Batch
      description: Initiate a bulk payment batch by uploading payment instructions for batch processing. Supports file upload and manual entry with configurable approval workflows.
      tags:
      - Bulk Payments
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/BulkPaymentCreate'
      responses:
        '201':
          description: Bulk payment batch created successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/BulkPayment'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /bulkPayments/{batchId}/approve:
    post:
      operationId: approveBulkPayment
      summary: Approve Bulk Payment Batch
      description: Approve a bulk payment batch for processing after review. Applies the configured approval workflow rules.
      tags:
      - Bulk Payments
      parameters:
      - $ref: '#/components/parameters/batchId'
      responses:
        '200':
          description: Bulk payment batch approved
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/BulkPayment'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
components:
  responses:
    Unauthorized:
      description: Authentication required or invalid credentials
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    BadRequest:
      description: Invalid request parameters
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    NotFound:
      description: Requested resource not found
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
  schemas:
    PaginationHeader:
      type: object
      description: Pagination metadata for list responses
      properties:
        page_size:
          type: integer
          description: Number of records per page
        page_start:
          type: integer
          description: Starting record number
        total_size:
          type: integer
          description: Total number of records available
    BulkPayment:
      type: object
      description: Bulk payment batch
      properties:
        batchId:
          type: string
          description: Unique batch identifier
        debitAccountId:
          type: string
          description: Common debit account for the batch
        totalAmount:
          type: number
          format: double
          description: Total batch amount
        currency:
          type: string
          description: Batch currency
        paymentCount:
          type: integer
          description: Number of payments in the batch
        status:
          type: string
          description: Batch processing status
          enum:
          - PENDING_APPROVAL
          - APPROVED
          - PROCESSING
          - COMPLETED
          - REJECTED
        createdDate:
          type: string
          format: date-time
          description: Batch creation timestamp
    BulkPaymentCreate:
      type: object
      description: Request body for creating a bulk payment batch
      required:
      - debitAccountId
      - currency
      - payments
      properties:
        debitAccountId:
          type: string
          description: Common debit account
        currency:
          type: string
          description: Batch currency in ISO 4217 format
          pattern: ^[A-Z]{3}$
        valueDate:
          type: string
          format: date
          description: Common value date for all payments
        payments:
          type: array
          description: Individual payment instructions
          minItems: 1
          items:
            type: object
            required:
            - beneficiaryName
            - amount
            properties:
              beneficiaryName:
                type: string
                description: Beneficiary name
              beneficiaryIban:
                type: string
                description: Beneficiary IBAN
              amount:
                type: number
                format: double
                description: Payment amount
              reference:
                type: string
                description: Payment reference
    Error:
      type: object
      description: Error response
      properties:
        errorCode:
          type: string
          description: Machine-readable error code
        errorMessage:
          type: string
          description: Human-readable error description
  parameters:
    pageStart:
      name: page_start
      in: query
      description: Starting record number for pagination
      schema:
        type: integer
        minimum: 0
        default: 0
    pageSize:
      name: page_size
      in: query
      description: Number of records to return per page
      schema:
        type: integer
        minimum: 1
        maximum: 100
        default: 25
    batchId:
      name: batchId
      in: path
      required: true
      description: Unique bulk payment batch identifier
      schema:
        type: string
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT
externalDocs:
  description: Temenos BNPL API Documentation
  url: https://developer.temenos.com/service/buy-now-pay-later