openapi: 3.1.0
info:
  title: Temenos Buy Now Pay Later Accounts Pricing Arrangement 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: Pricing Arrangement Details
  description: Retrieve interest rate details, activity charges, transaction pricing, periodic fees, and account event history within the pricing system.
paths:
  /arrangements/{arrangementId}/interestRates:
    get:
      operationId: getArrangementInterestRates
      summary: Get Arrangement Interest Rates
      description: Retrieve interest rate details for an arrangement including base rates, applied benefits, and effective net rates.
      tags:
      - Pricing Arrangement Details
      parameters:
      - name: arrangementId
        in: path
        required: true
        description: Arrangement identifier
        schema:
          type: string
      responses:
        '200':
          description: Successful retrieval of interest rates
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/InterestRateDetails'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
  /arrangements/{arrangementId}/charges:
    get:
      operationId: getArrangementCharges
      summary: Get Arrangement Charges
      description: Retrieve activity charge fees and periodic charge fees for an arrangement including account opening, closure, and recurring maintenance charges.
      tags:
      - Pricing Arrangement Details
      parameters:
      - name: arrangementId
        in: path
        required: true
        description: Arrangement identifier
        schema:
          type: string
      responses:
        '200':
          description: Successful retrieval of charges
          content:
            application/json:
              schema:
                type: object
                properties:
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/ChargeDetail'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
components:
  responses:
    Unauthorized:
      description: Authentication required
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    NotFound:
      description: Resource not found
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
  schemas:
    InterestRateDetails:
      type: object
      description: Arrangement interest rate details
      properties:
        arrangementId:
          type: string
          description: Arrangement identifier
        rates:
          type: array
          description: Interest rate details
          items:
            $ref: '#/components/schemas/InterestRateDetail'
    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
    ChargeDetail:
      type: object
      description: Charge detail
      properties:
        chargeType:
          type: string
          description: Charge type
        description:
          type: string
          description: Charge description
        amount:
          type: number
          format: double
          description: Charge amount
        currency:
          type: string
          description: Currency
        frequency:
          type: string
          description: Charge frequency
    Error:
      type: object
      description: Error response
      properties:
        errorCode:
          type: string
          description: Error code
        errorMessage:
          type: string
          description: Error description
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT
externalDocs:
  description: Temenos BNPL API Documentation
  url: https://developer.temenos.com/service/buy-now-pay-later