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{"id":2930,"date":"2018-07-13T05:52:51","date_gmt":"2018-07-13T05:52:51","guid":{"rendered":"http:\/\/sandbox.interswitchng.com\/docbase\/docs\/ils\/ils-to-providers\/get-merchant-offer\/"},"modified":"2022-11-07T10:58:23","modified_gmt":"2022-11-07T10:58:23","slug":"get-merchant-offer","status":"publish","type":"docs","link":"https:\/\/sandbox.interswitchng.com\/docbase\/docs\/ils\/ils-to-providers\/get-merchant-offer\/","title":{"rendered":"Get Merchant Offer"},"content":{"rendered":"

Get Merchant Offer<\/h3>\n

During the Get Offer processing, a request will be sent from Interswitch Lending Service to Provider to get the offers the Provider has for a User. The Request and Response format expected are as follows:<\/p>\n

Request Message description<\/h4>\n
\n\n\n\n\n\n\n\n\n\n\n\n\n
\n
\n

Field<\/p>\n

#<\/p>\n<\/div>\n<\/th>\n

\n
Field name<\/div>\n<\/th>\n
\n
Data type<\/div>\n<\/th>\n
\n
Max length<\/div>\n<\/th>\n
\n
Required<\/div>\n<\/th>\n
\n
Description<\/div>\n<\/th>\n<\/tr>\n<\/thead>\n
1<\/td>\ncustomerId<\/td>\nString<\/td>\n<\/td>\ntrue<\/td>\nThe Email or Mobile Number of the User who is accepting this offer.<\/td>\n<\/tr>\n
2<\/td>\namount<\/td>\nLong<\/td>\n<\/td>\nfalse<\/td>\nThe Amount of Loan that the Customer wish to take. This can be used to determine the offers that will be returned.<\/td>\n<\/tr>\n
3<\/td>\ncurrentLoanStatus<\/td>\nBoolean<\/td>\n<\/td>\ntrue<\/td>\nA Status stating whether the Customer has a current loan in service or not.<\/td>\n<\/tr>\n
4<\/td>\nhashedCustomerId<\/td>\nString<\/td>\n<\/td>\ntrue<\/td>\nThe hashed value of the customer Id, which can be used to retrieved customer data.<\/td>\n<\/tr>\n
5<\/td>\nmerchantId<\/td>\nString<\/td>\n<\/td>\ntrue<\/td>\nThe originating merchant ID<\/td>\n<\/tr>\n
6<\/td>\nitemDescription<\/td>\nString<\/td>\n<\/td>\ntrue<\/td>\nDescription of item customer is taking a loan for<\/td>\n<\/tr>\n
7<\/td>\nbvn<\/td>\nString<\/td>\n<\/td>\nfalse<\/td>\nThe customer’s bank verification number<\/td>\n<\/tr>\n
8<\/td>\nname<\/td>\nString<\/td>\n<\/td>\nfalse<\/td>\nThe requesting customer’s name<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n
\n
Endpoint<\/b><\/div>\n
\n
\n
\n\n\n\n
\n
\n
GET \/endpoint goes here. The Provider is expected to provide this and configured on the ILS Platform.<\/code><\/div>\n<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n
\n
Headers<\/b><\/div>\n
\n
\n
\n\n\n\n
\n
\n
\u00a0<\/code><\/div>\n<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n
Sample Request<\/h5>\n
\n
Sample request<\/b><\/div>\n
\n
\n
\n\n\n\n
\n
\n
?customerId=2348123456789&amount=100000&currentLoanStatus=<\/code>false<\/code>&hashedCustomerId=DBA29C79EED1E6AC388E03AD77E4C748AA87EEC3&merchantId=3IPG001&itemDescription=10KVA generator&bvn=1000000001<\/code><\/div>\n<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

Response Message\u00a0 field description<\/h4>\n
\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n
\n

Field<\/p>\n

#<\/p>\n<\/div>\n<\/th>\n

\n
Field name<\/div>\n<\/th>\n
\n
Description<\/div>\n<\/th>\n<\/tr>\n<\/thead>\n
1<\/td>\nresponseCode<\/td>\nThe Code representing the status of the processing of the request. It shows whether the request to accept the offer is allowed or not.<\/td>\n<\/tr>\n
2<\/td>\nresponseMessage<\/td>\nThe Description of the Response Code from above.<\/td>\n<\/tr>\n
3<\/td>\noffers<\/td>\nArrays of Offers that the provider has for the user.<\/td>\n<\/tr>\n
3a<\/td>\nofferId<\/td>\nThe Id representing the offer from the provider.<\/td>\n<\/tr>\n
3b<\/td>\namountOffered<\/td>\nThe Amount of this loan offer. This is expected to be in the minor denomination (Long value).<\/td>\n<\/tr>\n
3c<\/td>\ninterest<\/td>\nThe interest in percentage attached to the loan<\/td>\n<\/tr>\n
3d<\/td>\namountPayable<\/td>\nThe Amount expected to be paid by the User for the loan. This is expected to be in the minor denomination (Long value).<\/td>\n<\/tr>\n
3e<\/td>\nfees<\/td>\nThe Array of fees that are attached to the loan.<\/td>\n<\/tr>\n
3f<\/td>\ntenure<\/td>\nThe Time duration of this loan after which the user is expected to pay back the\u00a0amountPayable\u00a0<\/em>(in days).<\/td>\n<\/tr>\n
3g<\/td>\nterms<\/td>\nThe Terms and Conditions attached to the loan offer.<\/td>\n<\/tr>\n
3h<\/td>\nexpiryDate<\/td>\nThe Date\/Time at which this loan offer expires and become invalid.<\/td>\n<\/tr>\n
3i<\/td>\ncurrency<\/td>\nThe Currency of the Amount offered.<\/td>\n<\/tr>\n
3j<\/th>\nisPartPaymentAllowed<\/th>\nA Boolean depicting whether the Customer is allowed to make part-payment to serve the loan.<\/th>\n<\/tr>\n
3k<\/td>\ndescription<\/td>\nDescription of the offer. This will be displayed to the customer<\/td>\n<\/tr>\n
3l<\/td>\ntype<\/td>\nPossible values of type is ONEOFF and INSTALLMENTS<\/td>\n<\/tr>\n
3m<\/td>\ninitialPayment<\/td>\nThe down payment the customer is expected to pay.<\/td>\n<\/tr>\n
3n<\/td>\nnoOfInstallments<\/td>\nFor an installmental type offer, the number of installments expected<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n
Sample Response (success)<\/h5>\n
\n
\n
\n
\n\n\n\n
\n
\n
{<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0<\/code>\"responseCode\"<\/code>:\u00a0<\/code>\"00\"<\/code>,<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0<\/code>\"responseMessage\"<\/code>:\u00a0<\/code>\"Successful\"<\/code>,<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0<\/code>\"offers\"<\/code>: [<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/code>{<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/code>\"offerId\"<\/code>:\u00a0<\/code>\"0001\"<\/code>,<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/code>\"amountOffered\"<\/code>: 100000,<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/code>interest<\/code>\"\"<\/code>: 10,<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/code>\"amountPayable\"<\/code>: 110000,<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/code>\"fees\"<\/code>: [{<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/code>\"name\"<\/code>:\u00a0<\/code>\"Tax\"<\/code>,<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/code>\"amount\"<\/code>: 100<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/code>}],<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/code>\"tenure\"<\/code>: 30,<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/code>\"terms\"<\/code>:\u00a0<\/code>\"Please read the terms and conditions on\u00a0https:\/\/onefi.com\/terms<\/a>\"<\/code>,<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/code>\"expiryDate\"<\/code>:\u00a0<\/code>\"2017-06-12T11:46:15Z\"<\/code>,<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/code>\"currency\"<\/code>:\u00a0<\/code>\"566\"<\/code>,<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/code>\"description\"<\/code>:\u00a0<\/code>\"N1000 to pay back N1100 in 3 installments\"<\/code>,<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/code>\"type\"<\/code>\u00a0:\u00a0<\/code>\"INSTALLMENTS\"<\/code>,<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/code>\"initialPayment\"<\/code>\u00a0: 1000,<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/code>\"noOfInstallments\"<\/code>\u00a0: 2<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/code>},<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/code>{<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/code>\"offerId\"<\/code>:\u00a0<\/code>\"0002\"<\/code>,<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/code>\"amountOffered\"<\/code>: 1000000,<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/code>interest<\/code>\"\"<\/code>:\u00a012.5,<\/a><\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/code>\"amountPayable\"<\/code>: 1250000,<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/code>\"fees\"<\/code>: [{<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/code>\"name\"<\/code>:\u00a0<\/code>\"Tax\"<\/code>,<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/code>\"amount\"<\/code>: 1000<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/code>}],<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/code>\"tenure\"<\/code>: 60,<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/code>\"terms\"<\/code>:\u00a0<\/code>\"Loanee are expected to have served the loan at the tenure end. Any defaulters of this will likely not be given any loan offer from here or other credit company.\"<\/code>,<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/code>\"expiryDate\"<\/code>:\u00a0<\/code>\"2017-06-12T11:46:15Z\"<\/code>,<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/code>\"currency\"<\/code>:\u00a0<\/code>\"566\"<\/code>,<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/code>\"type\"<\/code>\u00a0:\u00a0<\/code>\"ONEOFF\"<\/code>,<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/code>\"initialPayment\"<\/code>\u00a0: 0<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/code>}<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0<\/code>]<\/code><\/div>\n
}<\/code><\/div>\n<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n
Sample Response (failure)<\/h5>\n
\n
\n
\n
\n\n\n\n
\n
\n
{<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0<\/code>\"responseCode\"<\/code>:\u00a0<\/code>\"102\"<\/code>,<\/code><\/div>\n
\u00a0\u00a0\u00a0\u00a0<\/code>\"responseMessage\"<\/code>:\u00a0<\/code>\"Sorry, we have no loan offers for this customer.\"<\/code><\/div>\n
}<\/code><\/div>\n<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"author":169,"featured_media":0,"parent":2297,"menu_order":2,"comment_status":"closed","ping_status":"closed","template":"","meta":{"spay_email":""},"doc_tag":[],"_links":{"self":[{"href":"https:\/\/sandbox.interswitchng.com\/docbase\/wp-json\/wp\/v2\/docs\/2930"}],"collection":[{"href":"https:\/\/sandbox.interswitchng.com\/docbase\/wp-json\/wp\/v2\/docs"}],"about":[{"href":"https:\/\/sandbox.interswitchng.com\/docbase\/wp-json\/wp\/v2\/types\/docs"}],"author":[{"embeddable":true,"href":"https:\/\/sandbox.interswitchng.com\/docbase\/wp-json\/wp\/v2\/users\/169"}],"replies":[{"embeddable":true,"href":"https:\/\/sandbox.interswitchng.com\/docbase\/wp-json\/wp\/v2\/comments?post=2930"}],"version-history":[{"count":3,"href":"https:\/\/sandbox.interswitchng.com\/docbase\/wp-json\/wp\/v2\/docs\/2930\/revisions"}],"predecessor-version":[{"id":4383,"href":"https:\/\/sandbox.interswitchng.com\/docbase\/wp-json\/wp\/v2\/docs\/2930\/revisions\/4383"}],"up":[{"embeddable":true,"href":"https:\/\/sandbox.interswitchng.com\/docbase\/wp-json\/wp\/v2\/docs\/2297"}],"next":[{"title":"Accept Offers","link":"https:\/\/sandbox.interswitchng.com\/docbase\/docs\/ils\/ils-to-providers\/accept-offers\/","href":"https:\/\/sandbox.interswitchng.com\/docbase\/wp-json\/wp\/v2\/docs\/2302"}],"prev":[{"title":"Get Offers","link":"https:\/\/sandbox.interswitchng.com\/docbase\/docs\/ils\/ils-to-providers\/get-offers\/","href":"https:\/\/sandbox.interswitchng.com\/docbase\/wp-json\/wp\/v2\/docs\/2300"}],"wp:attachment":[{"href":"https:\/\/sandbox.interswitchng.com\/docbase\/wp-json\/wp\/v2\/media?parent=2930"}],"wp:term":[{"taxonomy":"doc_tag","embeddable":true,"href":"https:\/\/sandbox.interswitchng.com\/docbase\/wp-json\/wp\/v2\/doc_tag?post=2930"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}