API Reference

PayLater

PayLater Integration

PayLater enables your platform users to finance their bills, allowing them to delay payments while maintaining cash flow flexibility.

Open a bill in PayLater

With the above code implemented, add this function to a button in the bill table. Calling this function will fetch the bill and open iBranch to start the PayLater flow.

When the PayLater button is installed properly, clicking it should open a screen like this.

When the PayLater button is installed properly, clicking it should open a screen like this.

Step 1: Frontend Preview Mode

After completing the frontend integration, users will be able to view preview offers based on the bill total passed into the component. These are not live offers; they are sample values to demonstrate how PayLater works.

Use this code to open PayLater on a bill:

lendica.ibranch.openPayLater(
  (partner_invoice_uuid = "B0001"), // Replace with bill ID
  (total = 1000) // Replace with invoice total
);

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Before completing the backend integration, PayLater will only display preview offers.

To activate offers based on live data from your platform, proceed with the backend integration.

Step 2: Backend Integration (Required for Live Offers)

To provide live offers based on actual bill data, Lendica needs to integrate your API with our backend. This allows Lendica to securely retrieve and analyze the relevant bill and company data from your system.

When Backend Integration Is Complete:
Lendica will pull real bill details from your platform and display live, personalized offers to users, based on their actual financial data.

Please refer to the Backend Integration Overview, which provides information about the API routes and functionality that we need from you.

API Requirement

The key API route needed for complete PayLater functionality is theGET Bill Details endpoint. This endpoint should designed to fetch bill details from a partner's system. It will support two key functionalities:

  1. Retrieve Specific Bill Details:
    When a user initiates the PayLater process for a specific bill, Lendica will call this API route with the partner_invoice_uuid to fetch the full details of that specific bill.
  2. Retrieve All Bills for a Company:
    Lendica may also call this route without a specific invoice ID to fetch a list of all historical bills associated with the company. This data is used for underwriting, allowing Lendica to assess the company’s creditworthiness and financial history.

This flexibility supports both transaction-specific operations and broader underwriting processes.