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  4. Accept Offers

Accept Offers

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 true 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.


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


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.” }
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