Buy Now, Pay Later

Buy Now, Pay Later (BNPL) is a payment method that allows consumers to purchase products and services immediately but with the option to defer payment to a later date or to split the payment into installments. It is an alternative to traditional forms of credit, such as credit cards.

To accept payments via BNPL, the Merchant's MCC (Merchant Category Code) must not be on the prohibited industries list (MCC blacklist). The MCC is determined during the verification process by specifying the store's/industry's category.

Purchase process

The BNPL process typically involves several steps:

1. Purchase: The payer selects a product or service and proceeds to checkout.
2. Selection of BNPL option: At the payment stage, the payer chooses the Buy Now, Pay Later option.
3. Credit check: Depending on the BNPL provider, a quick creditworthiness check may be conducted. This is often a simplified process, not requiring detailed verification as with traditional credit.
4. Approval: Once approved by the BNPL provider, the purchase is finalized, and the payer commits to repayment under the agreed terms.
5. Repayment: The payer repays the obligation in specified installments or in full after a set period, according to the terms of the agreement.

PayPo

Terms of Service

• The minimum transaction amount is 10 PLN, and the maximum is 5000 PLN - For first-time customers, the limit is 800 PLN, while for returning customers, the maximum amount is 5000 PLN (the amount is assigned individually per customer based on their credit history with PayPo).
• The repayment period is 30 days. If this period is exceeded, the payment is divided into up to 6 interest-bearing installments.

BLIK Pay Later

Terms of Service

• The minimum amount is 30 PLN, and the maximum is 4000 PLN
• The repayment period is 30 days. If this period is exceeded, the payment is divided into up to 6 interest-bearing installments.
• The BLIK Pay Later payment method is available to merchants who have been offering the Tpay payment gateway for at least 3 months and have processed a minimum of 10 BLIK transactions.

Twisto

Terms of Service

• The minimum amount is 1 PLN, and the maximum is 1500 PLN.
• The amount is assigned individually per customer based on their creditworthiness.
• The repayment period is 30 days.

PragmaPay Pay Later for business

Terms of Service

• The minimum amount is 100 PLN, and the maximum is 50 000 PLN.
• The repayment period is 14, 30 or 60 days.
• MCC Code from outside the table below

Before you start

Ensure that:

• You have authorization data.
• You handle transaction notifications.
• Your MCC is not on the MCC black list.

Buy Now, Pay Later transaction

Process Buy Now, Pay Later payments by using the transaction creation endpoint and providing the appropriate payment channel identifier.

Send a request to create a BNPL transaction

To create a BNPL transaction, send a POST request to the endpoint.

https://api.tpay.com/transactions

In the request, specify the following parameters:

The basic request body should look like this:

{
  "amount": 0.1,
  "description": "Testowa transakcja BNPL",
  "payer": {
    "email": "[email protected]",
    "name": "Jan Nowak"
  },
  "pay": {
    "channelId": 71
  }
}

Example:

curl --location 'https://api.tpay.com/transactions' \
--header 'Authorization: Bearer <access_token>' \
--header 'Content-Type: application/json' \
--data-raw '{
   "amount": 0.1,
   "description": "Testowa transakcja BNPL",
   "payer": {
      "email": "[email protected]",
      "name": "Jan Nowak"
   },
   "pay": {
      "channelId": 71
   }
}'

After sending the request, you will receive a TransactionCreated schema in response.

The key response parameters are:

Example response:

{
  "result": "success",
  "requestId": "786dee7ec39502226238",
  "transactionId": "ta_73qDVKjNvNQ5GbLn",
  "title": "TR-CWM-D14339X",
  "posId": "ps_e4dkPVDEm4Jg726q",
  "status": "pending",
  "date": {
    "creation": "2024-07-04 21:15:23",
    "realization": null
  },
  "amount": 0.1,
  "currency": "PLN",
  "description": "Testowa transakcja BNPL",
  "hiddenDescription": "",
  "payer": {
    "payerId": "py_a9rjlZWxRLdG1bqY",
    "email": "[email protected]",
    "name": "Jan Nowak",
    "phone": "",
    "address": "",
    "city": "",
    "country": "PL",
    "postalCode": ""
  },
  "payments": {
    "status": "pending",
    "method": "pay_by_link",
    "amountPaid": 0,
    "date": {
      "realization": null
    }
  },
  "transactionPaymentUrl": "https://secure.tpay.com/?title=TR-CWM-D14339X&uid=01J1ZJREPKDXXJ5E4JRWYVXMN2"
}

Redirect the payer to the BNPL application

Redirect the payer to the URL provided in the response in the transactionPaymentUrl field.

At the given URL, the payer will be redirected to the Buy Now, Pay Later application, where they complete the required information and submit the application. Credit verification follows. Check out the purchase process..

Handle the notification

We will inform you about the transaction status via notification after transaction posting..