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 code that was returned by the provider during “Get Offers” call to them.
3	destinationAccountNumber	Numeric String	20	true	The Account Number to which the loan is to be credited.
4	destinationBankCode	Numeric String	3	true	The CBN Bank Code of the Bank holding the Account. E.g 076
5	token	Numeric String	20	false	The Payment Card token from which the loan debt will be taken after the due date.
6	loanReferenceId	String	20	true	A unique identifier assigned to the loan.

Endpoint

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

Headers

As a Lender, please note that it is expected you have a basic authentication for each API spec . A sample screen shot is shown below.

Sample Request

Sample request

{ “customerId”: “2348123456789”, “offerId”: “8288948”, “destinationAccountNumber”: “0123456789”, “destinationBankCode”: “011”, “token”: “5123450558220138603” “loanReferenceId”: “XYZ123465262646469476276572726” }

Response Message  field description

Field #	Field name	Data Type	Max Length	Description
1	responseCode	Numeric String	5	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	String	255	The Description of the Response Code from above.
3	loanId	Numeric String	50	The Id of the new loan.

Sample Response (success)

{ “responseCode”: “00”, “responseMessage”: “Successful” “loanId”:”0329” }

Sample Response (failure)

{ “responseCode”: “4002”, “responseMessage”: “Offer has expired.” }