openapi: 3.1.0
info:
  title: Temenos Buy Now Pay Later Accounts Operational Data Store 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: Operational Data Store
  description: Access near real-time operational data from the Operational Data Store for operational reporting and API-driven integration use cases.
paths:
  /operational/accounts:
    get:
      operationId: listOperationalAccounts
      summary: List Operational Account Data
      description: Retrieve near real-time operational account data from the ODS for integration use cases with current balances and status.
      tags:
      - Operational Data Store
      parameters:
      - $ref: '#/components/parameters/pageSize'
      - $ref: '#/components/parameters/pageStart'
      responses:
        '200':
          description: Successful retrieval of operational data
          content:
            application/json:
              schema:
                type: object
                properties:
                  header:
                    $ref: '#/components/schemas/PaginationHeader'
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/OperationalAccount'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /operational/transactions:
    get:
      operationId: listOperationalTransactions
      summary: List Operational Transaction Data
      description: Retrieve near real-time transaction data from the ODS for operational reporting and real-time integration.
      tags:
      - Operational Data Store
      parameters:
      - $ref: '#/components/parameters/pageSize'
      - $ref: '#/components/parameters/pageStart'
      - name: accountId
        in: query
        description: Filter by account
        schema:
          type: string
      responses:
        '200':
          description: Successful retrieval of operational transactions
          content:
            application/json:
              schema:
                type: object
                properties:
                  header:
                    $ref: '#/components/schemas/PaginationHeader'
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/OperationalTransaction'
        '401':
          $ref: '#/components/responses/Unauthorized'
components:
  schemas:
    OperationalTransaction:
      type: object
      description: Operational transaction data
      properties:
        transactionId:
          type: string
          description: Transaction identifier
        accountId:
          type: string
          description: Account identifier
        amount:
          type: number
          format: double
          description: Amount
        currency:
          type: string
          description: Currency
        bookingDate:
          type: string
          format: date
          description: Booking date
        description:
          type: string
          description: Transaction description
        status:
          type: string
          description: Processing status
    PaginationHeader:
      type: object
      description: Pagination metadata
      properties:
        page_size:
          type: integer
          description: Records per page
        page_start:
          type: integer
          description: Starting record
        total_size:
          type: integer
          description: Total records
    OperationalAccount:
      type: object
      description: Operational account data
      properties:
        accountId:
          type: string
          description: Account identifier
        customerId:
          type: string
          description: Customer identifier
        accountType:
          type: string
          description: Account type
        currency:
          type: string
          description: Currency
        currentBalance:
          type: number
          format: double
          description: Current balance
        availableBalance:
          type: number
          format: double
          description: Available balance
        status:
          type: string
          description: Status
        lastUpdated:
          type: string
          format: date-time
          description: Last update timestamp
    Error:
      type: object
      description: Error response
      properties:
        errorCode:
          type: string
          description: Error code
        errorMessage:
          type: string
          description: Error description
  responses:
    Unauthorized:
      description: Authentication required
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
  parameters:
    pageStart:
      name: page_start
      in: query
      description: Starting record
      schema:
        type: integer
        minimum: 0
        default: 0
    pageSize:
      name: page_size
      in: query
      description: Records per page
      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