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Introduction

Buy Now, Pay Later (BNPL) Platform

Vestigo’s Consumer Finance API enables merchants, fintech partners, and developers to integrate Buy Now, Pay Later (BNPL) services seamlessly into checkout flows, mobile apps, and financial dashboards.

With our API, you can:

  • Offer instalment-based payment options.
  • Retrieve customer eligibility and credit limits.
  • Create and manage BNPL transactions.
  • Access repayment schedules and settlement details.

Introduction​

This API is documented in OpenAPI format and is based on the design principles of modern financial APIs. It demonstrates how partners can integrate Vestigo’s BNPL capabilities into their platforms.

The specification is extended with vendor-specific features for ease of integration, monitoring, and security.

OpenAPI Specification​

The Vestigo BNPL API follows the OpenAPI Specification, ensuring compatibility with a wide range of tools and documentation frameworks, including Swagger UI and ReDoc.

In addition to standard OpenAPI syntax, we use vendor extensions to illustrate BNPL-specific use cases such as loan lifecycle management, repayment events, and merchant settlement flows.

Cross-Origin Resource Sharing (CORS)​

This API supports CORS in compliance with the W3C specification, allowing secure cross-domain communication from browsers and merchant applications.

All responses are configured with proper CORS headers, enabling seamless integrations while maintaining strict security policies for sensitive endpoints (e.g., customer data, loan creation).

Supported Authentication Methods​

  • OAuth 2.0