openapi: 3.1.0
info:
  title: Temenos Buy Now Pay Later Accounts Customers 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: Customers
  description: Create and manage customer profiles, preferences, and digital identities across omnichannel touchpoints.
paths:
  /customers/{customerId}:
    get:
      operationId: getCustomer
      summary: Get Customer Profile
      description: Retrieve customer profile information including personal details, contact information, preferences, and linked accounts across the digital banking platform.
      tags:
      - Customers
      parameters:
      - $ref: '#/components/parameters/customerId'
      responses:
        '200':
          description: Successfully retrieved customer profile
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Customer'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
    put:
      operationId: updateCustomer
      summary: Update Customer Profile
      description: Update customer profile information including contact details, communication preferences, and notification settings.
      tags:
      - Customers
      parameters:
      - $ref: '#/components/parameters/customerId'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/CustomerUpdate'
      responses:
        '200':
          description: Successfully updated customer profile
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Customer'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
components:
  schemas:
    Address:
      type: object
      description: Postal address
      properties:
        addressLine1:
          type: string
          description: First line of address
        addressLine2:
          type: string
          description: Second line of address
        city:
          type: string
          description: City name
        state:
          type: string
          description: State or province
        postalCode:
          type: string
          description: Postal or ZIP code
        country:
          type: string
          description: ISO 3166-1 alpha-2 country code
          pattern: ^[A-Z]{2}$
    Customer:
      type: object
      description: Customer profile in the digital banking platform
      properties:
        customerId:
          type: string
          description: Unique customer identifier
        firstName:
          type: string
          description: Customer first name
        lastName:
          type: string
          description: Customer last name
        email:
          type: string
          format: email
          description: Primary email address
        phone:
          type: string
          description: Primary phone number
        dateOfBirth:
          type: string
          format: date
          description: Date of birth
        address:
          $ref: '#/components/schemas/Address'
    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
    CustomerUpdate:
      type: object
      description: Fields available for customer profile update
      properties:
        email:
          type: string
          format: email
          description: Updated email address
        phone:
          type: string
          description: Updated phone number
        address:
          $ref: '#/components/schemas/Address'
  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:
    customerId:
      name: customerId
      in: path
      required: true
      description: Unique customer 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