openapi: 3.1.0
info:
  title: Temenos Buy Now Pay Later Accounts Cards 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: Cards
  description: Manage debit and credit cards including card controls, spending limits, activation, blocking, and PIN management through digital channels.
paths:
  /cards:
    get:
      operationId: listCards
      summary: List Customer Cards
      description: Retrieve a list of debit and credit cards associated with the customer across all linked accounts.
      tags:
      - Cards
      parameters:
      - $ref: '#/components/parameters/pageSize'
      - $ref: '#/components/parameters/pageStart'
      responses:
        '200':
          description: Successfully retrieved card list
          content:
            application/json:
              schema:
                type: object
                properties:
                  cards:
                    type: array
                    items:
                      $ref: '#/components/schemas/Card'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /cards/{cardId}:
    put:
      operationId: updateCardControls
      summary: Update Card Controls
      description: Update card settings including spending limits, transaction type controls, geographic restrictions, and contactless payment settings.
      tags:
      - Cards
      parameters:
      - name: cardId
        in: path
        required: true
        description: Unique card identifier
        schema:
          type: string
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/CardControls'
      responses:
        '200':
          description: Successfully updated card controls
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Card'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
components:
  responses:
    Unauthorized:
      description: Authentication credentials missing or invalid
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    BadRequest:
      description: Invalid request parameters or payload
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    NotFound:
      description: Requested resource not found
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
  parameters:
    pageStart:
      name: pageStart
      in: query
      description: Pagination offset token or page number
      schema:
        type: string
    pageSize:
      name: pageSize
      in: query
      description: Number of records to return per page
      schema:
        type: integer
        default: 25
        minimum: 1
        maximum: 100
  schemas:
    CardControls:
      type: object
      description: Card control settings
      properties:
        contactlessEnabled:
          type: boolean
          description: Whether contactless payments are enabled
        onlineTransactionsEnabled:
          type: boolean
          description: Whether online transactions are enabled
        dailySpendingLimit:
          type: number
          description: Maximum daily spending limit
          minimum: 0
        atmWithdrawalLimit:
          type: number
          description: Maximum daily ATM withdrawal limit
          minimum: 0
    Card:
      type: object
      description: Customer debit or credit card
      properties:
        cardId:
          type: string
          description: Unique card identifier
        cardNumber:
          type: string
          description: Masked card number
        cardType:
          type: string
          description: Type of card
          enum:
          - DEBIT
          - CREDIT
          - PREPAID
        status:
          type: string
          description: Current card status
          enum:
          - ACTIVE
          - BLOCKED
          - EXPIRED
          - PENDING_ACTIVATION
        expiryDate:
          type: string
          description: Card expiry date in MM/YY format
        accountId:
          type: string
          description: Linked account identifier
    Error:
      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
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT
externalDocs:
  description: Temenos BNPL API Documentation
  url: https://developer.temenos.com/service/buy-now-pay-later