Accept Merchant Offer

During the Accept Offer processing, a request will be sent from Interswitch Lending Service to Provider to notify them of the User’s decision. The Request and Response format expected are as follows:

Request Message Description

Field	Field Name	Data type	Max length	Required	Description
1	customerId	String	50	true	The Email or Mobile Number of the User who is accepting this offer.
2	offerId	String	50	true	The Id of the Offer that is being accepted. This is the Id that was returned by the provider during “Get Offers” call to them.
3	merchantId	String	20	true	The originating merchantId
4	merchantCode	String	20	true	The originating merchantCode
5	otp	String	20	true	736996
6	accountType	String	20	true	savings
7	customerAccountNumber	String	10	true	1004110901
8	customerBankCode	String	5	true	030
9	bvn	String	5	true	5123454698121048737
10	token	Numeric string	20	False	The Payment Card token from which the loan debt will be taken after the due date
11	loanReferenceId	String	100	False	A unique identifier assigned to the loan
12	tokenExpiryDate	Numeric	4	False	Expiry date for the payment card token in format (YYMM)
13	otpRequestReference	String	50	False	Request reference for OTP

Endpoint

POST /endpoint goes here. The Provider is expected to provide this and configured on the ILS Platform.

Headers

Sample Request

Sample request

{

  "customerId": "2347032389711",

  "offerId": "017579ba-17bc-4867-9752-6f4ae50f7f7c",

  "merchantId": "MX1065",
  "loanReferenceId": "INC16711274375962347032389711",

  "customerAccountNumber": "1004110901",

  "customerBankCode": "030",

  "token": "5123454698121048737",

  "tokenExpiryDate": "2506",

  "merchantCode": "MX1065",

  "bvn": "22163536967",

  "accountType": "savings",
  "otp": "736996",
  "otpRequestReference": null
}

Response Message field description

Field #	Field name	Description
1	responseCode	The Code representing the status of the processing of the request. It shows whether the request to accept the offer is allowed or not.
2	responseMessage	The Description of the Response Code from above.
3	loanId	The Id of the accepted loan from the provider

Sample Response (success)

{
    "responseCode": "00",
    "responseMessage": "Successful",
    "loanId":"0002"
}

Sample Response (failure)

{
    "responseCode": "4002",
    "responseMessage": "Offer has expired."
}