Accept Offer for Salary Lending

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	accountNumber	Numeric String	20	true	The Account Number to which the loan is to be credited.
4	bankCode	Numeric String	3	true	The CBN Bank Code of the Bank holding the Account. E.g 076
5	token	Numeric String	20	true	The Payment Card token from which the loan debt will be taken after the due date.
6	loanReferenceId	String	50	true	A unique identifier assigned to the loan.
7	borrowerName	String	50	true	The customer’s name
8	accountName	String	50	true	The customer’s account name
9	companyName	String	100	true	The customer’s company name
10	phoneNumber	String	20	true	The phone number of the customer in 234 format
11	bvn	String	11	false	The customer’s BVN
12	tenure	int		fales	The duration of loan
13	amount	double			The amount specified for Loan
14	amountPayable	long			The payable amount after loan collection which include loanAmount + interest
15	interest	double			The interest amount on loan collected.

Endpoint

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

Sample Request

Sample request

{ "customerId": "2348123456789", "offerId": "8288948", "accountNumber": "0123456789", "bankCode": "011", "providerCode":"MKT", "channelCode":"QTUSSD", "token": "5123450558220138603", "loanSchemeCode":"SYZ", "loanReferenceId":"XYZ123465262646469476276572726", "borrowerName": "John Ade", "accountName": "John Ade Umaru", "companyName": "ABC and Co", "phoneNumber": "23480600", "bvn": "1234567890" "tenure":30, "amount":23000, "amountPayable":26500, "interest":1.0    }

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."}