This Endpoint is to accept a loan offer. On calling this endpoint, the service will mark an offer as accepted and then notify the provider of this decision while providing them with the account details of the customer.

Request Message description

Field#	Field name	Data type	Max length	Required	Description
1	customerId	String		true	The Email or Mobile Number of the Customer.
3	creditMethod	Object			The Object containing the properties of the account to be credited for the loan amount. This is required when the creditMethodId is not provided.
3a.	accountNumber	Numeric String		true	The Account Number to be credited.
3b.	bankCode	Numeric String		true	The CBN Bank Code representing the Bank of the Account to be credited. E.g 011
3c.	id	Numeric		false	The ID of the Account to be credited.
4	debitMethod	Object			The Object containing the properties of the Card to be debited when the loan is due. This is required when the debitMethodId is not provided.
4a.	identifier	String		false	The Payment Method Identifier (GUID) of the Card to be debited.
4b.	authData	String		true	The AuthData of the Card to be debited. It is the encryption of the Card PAN or Identifier, Expiry Date, PIN, and CVV.
4c.	useCreditMethod	Boolean		false	A flag to indicate whether to use account number as means of collection (payback) as opposed to the card details. This is strictly for USSD Channel integration that supports direct to account debit functionalities.
5	channelCode	String		true	The Code of the Channel from which this request is being sent.
6	providerCode	String		true	The Code of the provider from which this offer was retrieved.

Endpoint

POST /offers/{offerId}/accept

Headers

Authorization: Bearer {{token}}

 

Sample Request One ( accept offer with Payment Method Identifier )

{
"customerId": "2348123456789",
"channelCode": "0002",
"providerCode": "ABCREDIT",
"debitMethod": {
"identifier": "0123456789"
},
"creditMethod": {
"id": "9876543210"
}
}

Sample Request Two ( accept offer with Payment Method Identifier or card)

{
"customerId": "2348123456789",
"channelCode": "0002",
"providerCode": "ABCREDIT",
"debitMethod": {
"identifier": "ADA4C1FFE6DE40C584ABD3CBAFDA0D08",
"authData": "OjlDC8aB24QNtbc654TAmTC7s/J4WG7LVf3HursqxMj9Kx0iMLWg8chKuQrB3E4SaBoegl7znXDTZ0QTwS+gr5IrFX+7LplB5My/eJ9a3VgY7SL9izhXWPowDIT7y2SZzgJIpYgGp2bTKZcDO0vUPREV/0NMxPOktxFlXHKkeYe3nn2WrP877Tw09XCN4eZfe7M5dD4wdb0IRcMktHCdbbdyZa60UTkxhTDWk9t5Nm3opWda5zV+ERQhgpod99rG61odZE0brQ9iGf5KPYmaoynfL00I6CQYjnANoEnjOTh5Kt7uhaRrhUSk9zKIV4woME8LXetvdvQUee+ZXcbXPg=="
},
"creditMethod": {
"id": "9876543210"
}
}

Sample Request Three (accept offer with card)

{
"customerId": "2348123456789",
"channelCode": "0002",
"providerCode": "ABCREDIT",
"debitMethod": {
"authData": "NQkmlsofwtUI/h8M9jN8xYjCYRmzdIfM/v2X2q9eVjnuU75E31MPKTYYlinxuzSthjY0C1S2i4+A0vyAAFwth6sJx6p9ekp9H4hsiO3iG+x587KqVwhBY5DC76oArxINzzxP4F09Aw/a527jVb4Agx5aTDQiyAKV8WSTzjHY7KH8XB2/lI+WwUEOhs49yCRPXh+tXJCGdefZgZYFyI09WNp2w8AWDQUZvRpzPFzS09QAeiI4qWuFZ01F/HAF4D09I8Gg+61lWwclw4zcPLXWB17zzb/BrMZcjJvyrouCbbn6n7zaUqyFG4H4r3NTRAcuVxCnDCC2wjRO9ZRq2la4lA=="
},
"creditMethod": {
"accountNumber": "0123456789",
"bankCode": "058"
}
}

Sample Request Four (accept offer with account number)

{
"customerId": "2348123456789",
"channelCode": "0002",
"providerCode": "ABCREDIT",
"debitMethod": {
"useCreditMethod": true
},
"creditMethod": {
"accountNumber": "0123456789",
"bankCode": "058"
}
}

Response Message  field description

Field   #	Field name	Description
1	responseCode	The Code representing the result of the request processing.
2	responseMessage	The Description of the responseCode.

Sample Response (success)

{
"responseCode": "00",
"responseMessage": "Transaction successful. Account would be credited shortly"
}

Sample Response (failure)

{
"responseCode": "96",
"responseMessage": "Oops. Something went wrong. Please try again later"
}