openapi: 3.1.0
info:
  title: Temenos Buy Now Pay Later Accounts Request to Pay 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: Request to Pay
  description: Enable request-to-pay functionality and information exchange between payers, payees, and RTP clearing systems.
paths:
  /requestToPay:
    get:
      operationId: listRequestToPay
      summary: List Request-to-pay Messages
      description: Retrieve request-to-pay messages including incoming requests for payment and outgoing payment requests with their resolution status.
      tags:
      - Request to Pay
      parameters:
      - $ref: '#/components/parameters/pageSize'
      - $ref: '#/components/parameters/pageStart'
      - name: direction
        in: query
        description: Filter by request direction
        schema:
          type: string
          enum:
          - INCOMING
          - OUTGOING
      responses:
        '200':
          description: Successful retrieval of request-to-pay messages
          content:
            application/json:
              schema:
                type: object
                properties:
                  header:
                    $ref: '#/components/schemas/PaginationHeader'
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/RequestToPay'
        '401':
          $ref: '#/components/responses/Unauthorized'
    post:
      operationId: createRequestToPay
      summary: Create Request-to-pay
      description: Initiate a new request-to-pay message to a payer through the RTP clearing system. Includes payee details, amount, and payment terms.
      tags:
      - Request to Pay
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/RequestToPayCreate'
      responses:
        '201':
          description: Request-to-pay created successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/RequestToPay'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
components:
  responses:
    Unauthorized:
      description: Authentication required or invalid credentials
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    BadRequest:
      description: Invalid request parameters
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
  schemas:
    PaginationHeader:
      type: object
      description: Pagination metadata for list responses
      properties:
        page_size:
          type: integer
          description: Number of records per page
        page_start:
          type: integer
          description: Starting record number
        total_size:
          type: integer
          description: Total number of records available
    RequestToPayCreate:
      type: object
      description: Request body for creating an RTP
      required:
      - payerAccountId
      - amount
      - currency
      properties:
        payerAccountId:
          type: string
          description: Payer account identifier or proxy
        amount:
          type: number
          format: double
          description: Requested amount
          minimum: 0.01
        currency:
          type: string
          description: Currency in ISO 4217 format
          pattern: ^[A-Z]{3}$
        dueDate:
          type: string
          format: date
          description: Payment due date
        description:
          type: string
          description: Description of the payment request
    Error:
      type: object
      description: Error response
      properties:
        errorCode:
          type: string
          description: Machine-readable error code
        errorMessage:
          type: string
          description: Human-readable error description
    RequestToPay:
      type: object
      description: Request-to-pay message
      properties:
        rtpId:
          type: string
          description: Unique RTP identifier
        direction:
          type: string
          description: Request direction
          enum:
          - INCOMING
          - OUTGOING
        payeeName:
          type: string
          description: Payee name
        payerName:
          type: string
          description: Payer name
        amount:
          type: number
          format: double
          description: Requested amount
        currency:
          type: string
          description: Currency in ISO 4217 format
        dueDate:
          type: string
          format: date
          description: Payment due date
        description:
          type: string
          description: RTP description
        status:
          type: string
          description: RTP status
          enum:
          - PENDING
          - ACCEPTED
          - REJECTED
          - EXPIRED
  parameters:
    pageStart:
      name: page_start
      in: query
      description: Starting record number for pagination
      schema:
        type: integer
        minimum: 0
        default: 0
    pageSize:
      name: page_size
      in: query
      description: Number of records to return 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