openapi: 3.1.0
info:
  title: Temenos Buy Now Pay Later Accounts Package Details 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: Package Details
  description: Create, amend, and manage package arrangements that bundle customer accounts for combined pricing benefits.
paths:
  /packages:
    get:
      operationId: listPackages
      summary: List Package Arrangements
      description: Retrieve package arrangements that bundle customer accounts for combined pricing benefits with primary and linked account information.
      tags:
      - Package Details
      parameters:
      - $ref: '#/components/parameters/pageSize'
      - $ref: '#/components/parameters/pageStart'
      - name: customerId
        in: query
        description: Filter by customer
        schema:
          type: string
      responses:
        '200':
          description: Successful retrieval of packages
          content:
            application/json:
              schema:
                type: object
                properties:
                  header:
                    $ref: '#/components/schemas/PaginationHeader'
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/Package'
        '401':
          $ref: '#/components/responses/Unauthorized'
    post:
      operationId: createPackage
      summary: Create Package Arrangement
      description: Create a new package arrangement to bundle customer accounts for combined pricing benefits and promotions.
      tags:
      - Package Details
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/PackageCreate'
      responses:
        '201':
          description: Package created successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Package'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /packages/{packageId}/pricing:
    get:
      operationId: getPackagePricing
      summary: Get Package Pricing Details
      description: Retrieve periodic pricing events and benefit details within specific periods for a package arrangement.
      tags:
      - Package Details
      parameters:
      - name: packageId
        in: path
        required: true
        description: Package arrangement identifier
        schema:
          type: string
      responses:
        '200':
          description: Successful retrieval of package pricing
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PackagePricing'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
components:
  schemas:
    PackageCreate:
      type: object
      description: Package creation request
      required:
      - customerId
      - productId
      properties:
        customerId:
          type: string
          description: Customer identifier
        productId:
          type: string
          description: Package product identifier
        packageName:
          type: string
          description: Package name
        linkedAccounts:
          type: array
          description: Accounts to link
          items:
            type: string
    FeeDetail:
      type: object
      description: Fee detail
      properties:
        feeType:
          type: string
          description: Fee type
        description:
          type: string
          description: Fee description
        amount:
          type: number
          format: double
          description: Fee amount
        currency:
          type: string
          description: Fee currency
        frequency:
          type: string
          description: Fee frequency
    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
    PackagePricing:
      type: object
      description: Package pricing details
      properties:
        packageId:
          type: string
          description: Package identifier
        periodicPricing:
          type: array
          description: Pricing events by period
          items:
            type: object
            properties:
              effectiveDate:
                type: string
                format: date
                description: Effective date
              interestRates:
                type: array
                items:
                  $ref: '#/components/schemas/InterestRateDetail'
              fees:
                type: array
                items:
                  $ref: '#/components/schemas/FeeDetail'
        benefits:
          type: array
          description: Applied pricing benefits
          items:
            type: object
            properties:
              benefitType:
                type: string
                description: Benefit type
              description:
                type: string
                description: Benefit description
              value:
                type: number
                format: double
                description: Benefit value
    Package:
      type: object
      description: Package arrangement
      properties:
        packageId:
          type: string
          description: Package identifier
        customerId:
          type: string
          description: Customer identifier
        packageName:
          type: string
          description: Package name
        primaryAccountId:
          type: string
          description: Primary account
        linkedAccounts:
          type: array
          description: Linked account identifiers
          items:
            type: string
        status:
          type: string
          description: Package status
    InterestRateDetail:
      type: object
      description: Individual interest rate detail
      properties:
        rateType:
          type: string
          description: Rate type
          enum:
          - FIXED
          - VARIABLE
          - PROMOTIONAL
        baseRate:
          type: number
          format: double
          description: Base rate percentage
        benefit:
          type: number
          format: double
          description: Benefit adjustment
        netRate:
          type: number
          format: double
          description: Effective net rate
        effectiveDate:
          type: string
          format: date
          description: Rate effective date
    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'
    BadRequest:
      description: Invalid request parameters
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    NotFound:
      description: Resource not found
      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