# Offer Discovery (v2) **Method:** `POST` **Path:** `/api/affordability/v2/offer/discovery` **Category:** Affordability Suite **Authentication:** Required ## Description Use this API to discover offers available on cart amount or product and calculate the EMI. V2 returns an entity-based response structure with support for multiple entity types including UPI. ## Request Body Content-Type: `application/json` - `order_amount` (`object`) **required** — An object that contains the transaction amount details. - `value` (`integer`) **required** — The transaction amount in Paisa. Minimum value: 100 (₹1). Maximum value: 100000000 (₹10 lakh). - `currency` (`string`) **required** — Type of currency. - `product_details` (`object[]`) — Mandatory for Brand EMI. An object that contains product details. - `product_code` (`string`) **required** — Unique identifier for the product. - `product_amount` (`object`) — Mandatory Object. An object that contains product amount. - `value` (`integer`) **required** — The transaction amount in Paisa. - `currency` (`string`) **required** — Type of currency. - `product_coupon_discount_amount` (`object`) — An object that contains the product coupon discount amount details. - `value` (`integer`) **required** — The transaction amount in Paisa. - `currency` (`string`) **required** — Type of currency. - `cart_coupon_discount_amount` (`object`) — An object that contains the cart coupon discount amount details. - `value` (`integer`) **required** — The transaction amount in Paisa. - `currency` (`string`) **required** — Type of currency. - `issuer` (`object`) — An object that contains the issuer details. - `bin` (`string`) — Bank Identification Number, First 8 digits of your Card. Has to be 8 digits. Note: Passing the card information will filter the results based on the specific BIN. - `id` (`string`) — Mandatory for EMI with Downpayment. Unique Identifier of the issuer. - `name` (`string`) — Mandatory for EMI with Downpayment. Name of the issuer. - `issuer_type` (`CC_BANK | DC_BANK | CARDLESS_BANK | CC_NBFC | DC_NBFC | CARDLESS_NBFC | NTB | NTB_BANK | NTB_NBFC`) — Mandatory for EMI with Downpayment. The category of the issuer. - `downpayment_details` (`object`) — Mandatory for EMI with Downpayment. An object that contains the downpayment amount details. - `downpayment_amount` (`object`) — An object that contains the downpayment amount details. - `value` (`integer`) **required** — The transaction amount in Paisa. - `currency` (`string`) **required** — Type of currency. - `payment_options` (`object`) — An object that contains the details of the payment options. You can use either `card_details` or `card_token_details` as a payment option. - `card_details` (`object`) — An object that contains the card details. - `card_number` (`string`) — Card Number. Maximum length: 19 characters. Minimum length: 12 characters. - `card_token_details` (`object`) — An object that contains the card token details. - `token` (`string`) — Either `token` or `token_id` is Mandatory. Unique identifier of the card as per the token transaction type. Minimum: 1 character. Maximum: 50 characters. - `token_id` (`string`) — Either `token` or `token_id` is Mandatory. Unique identifier of the token in the Pine Labs database. Maximum length: 50 characters. Note: When `token_id` is included, the `customer_details` object is required. - `customer_details` (`object`) — An object that contains the customer details. - `customer_id` (`string`) — Mandatory when `token_id` is included in the `card_token_details` object. Unique identifier of the customer in the Pine Labs Online database. Minimum length: 1 character. Maximum length: 19 characters. ### Example Request ```json { "order_amount": { "value": 1200000, "currency": "INR" }, "product_details": [ { "product_code": "xyz", "product_amount": { "value": 1200000, "currency": "INR" }, "product_coupon_discount_amount": { "value": 1200000, "currency": "INR" } } ], "cart_coupon_discount_amount": { "value": 1200000, "currency": "INR" }, "issuer": { "bin": "60100000", "id": "2", "name": "ICICI DC", "issuer_type": "DC_BANK" }, "downpayment_details": { "downpayment_amount": { "value": 200000, "currency": "INR" } }, "payment_options": { "card_details": { "card_number": "4000000000000000" }, "card_token_details": { "token": "4000000040001001", "token_id": "token-v1-250206114014-aa-nqIJoM" } }, "customer_details": { "customer_id": "cust-v1-250709071350-aa-1M9thA" } } ``` ## Responses - `200` — 200 - `400` — 400 - `422` — 422 ### Response Schema - `entities` (`OfferDiscoveryEntityDetailV2[]`) — List of Entities offering the Offer. - `entity_id` (`string`) — Entity Id. - `entity_name` (`string`) — Entity Name. - `entity_display_name` (`string`) — Display Name of the Entity offering the Offer. - `entity_type` (`UPI | CC_BANK | DC_BANK | CARDLESS_BANK | CC_NBFC | DC_NBFC | CARDLESS_NBFC | NTB | NTB_BANK | NTB_NBFC`) — Type of Entity. - `entity_priority` (`integer`) — Priority of the Issuer offering the Offer. - `tenures` (`EntityTenureDetail[]`) — List of Tenures available for the Offer. - `tenure_id` (`string`) — The ID of the Tenure. - `name` (`string`) — The name of the Tenure. - `tenure_type` (`string`) — Type of the tenure. - `tenure_value` (`integer`) — The value of the tenure. - `issuer_offer_parameters` (`OfferSchemeV2[]`) — List of Offer Schemes for the tenure. - `program_type` (`BRAND_EMI | BANK_EMI | MERCHANT_BRAND_OFFER | MERCHANT_BANK_OFFER | BRAND_OFFER | MY_EMI`) — Type of the program. - `offer_id` (`string`) — The Offer ID. - `offer_parameter_id` (`string`) — The Offer Parameter ID of the Offer. - `details` (`EMIProductDetailV2[]`) — Product Offer details for the tenure. - `product_code` (`string`) — Product Id of the Product. - `product_display_name` (`string`) — Product Display name. - `brand_id` (`string`) — Brand ID of the Product. - `product_offer_parameters` (`OfferSchemeV2[]`) — List of Product Offer Scheme for the Product EMI Detail. - `program_type` (`BRAND_EMI | BANK_EMI | MERCHANT_BRAND_OFFER | MERCHANT_BANK_OFFER | BRAND_OFFER | MY_EMI`) — Type of the program. - `offer_id` (`string`) — The Offer ID. - `offer_parameter_id` (`string`) — The Offer Parameter ID of the Offer. - `product_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `product_coupon_discount_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `subvention` (`object`) — Subvention details for the product. - `subvention_type` (`INSTANT | POST`) — Type of the subvention. - `offer_type` (`LOW_COST | NO_COST | STANDARD`) — Type of the EMI offer. - `percentage` (`number`) — Subvention percentage offered by the offering entity. - `amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `breakup` (`object`) — Breakup details. - `merchant` (`object`) — Breakup detail for an entity. - `amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `issuer` (`object`) — Breakup detail for an entity. - `amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `brand` (`object`) — Breakup detail for an entity. - `amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `dealer` (`object`) — Breakup detail for an entity. - `amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `max_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `min_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `discount` (`object`) — Discount details. - `discount_type` (`INSTANT | DEFERRED`) — Type of discount. - `discount_string` (`string`) — Discount string offered by the offering Entity. - `percentage` (`number`) — Discount percentage offered by the offering entity. - `amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `max_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `min_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `discount_deferred_duration_value` (`integer`) — The value of the discount deferred duration. - `discount_deferred_duration_type` (`DAY | MONTH`) — Type of the tenure for the discount. - `breakup` (`object`) — Breakup details. - `merchant` (`object`) — Breakup detail for an entity. - `amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `issuer` (`object`) — Breakup detail for an entity. - `amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `brand` (`object`) — Breakup detail for an entity. - `amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `dealer` (`object`) — Breakup detail for an entity. - `amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `brand_name` (`string`) — Name of the brand. - `interest_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `interest_rate` (`number`) — Interest rate applied on the product. - `cart_coupon_discount_product_share` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `downpayment_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `after_downpayment_reduced_product_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `offers` (`TenureOffer[]`) — List of offers given at the particular tenure. - `offer_category` (`string`) — Category label for the offer. - `offer_ranking` (`integer`) — Ranking for the offer. - `issuer_offer_parameters` (`OfferSchemeV2[]`) — List of Offer Schemes for the tenure. - `program_type` (`BRAND_EMI | BANK_EMI | MERCHANT_BRAND_OFFER | MERCHANT_BANK_OFFER | BRAND_OFFER | MY_EMI`) — Type of the program. - `offer_id` (`string`) — The Offer ID. - `offer_parameter_id` (`string`) — The Offer Parameter ID of the Offer. - `details` (`OfferProductDetailV2[]`) — Per-product offer details under this offer. - `product_code` (`string`) — Product Id of the Product. - `product_display_name` (`string`) — Product Display name. - `brand_id` (`string`) — Brand ID of the Product. - `product_offer_parameters` (`OfferSchemeV2[]`) — List of Product Offer Scheme for the Product Offer Detail. - `program_type` (`BRAND_EMI | BANK_EMI | MERCHANT_BRAND_OFFER | MERCHANT_BANK_OFFER | BRAND_OFFER | MY_EMI`) — Type of the program. - `offer_id` (`string`) — The Offer ID. - `offer_parameter_id` (`string`) — The Offer Parameter ID of the Offer. - `product_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `product_coupon_discount_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `subvention` (`object`) — Subvention details for the product. - `subvention_type` (`INSTANT | POST`) — Type of the subvention. - `offer_type` (`LOW_COST | NO_COST | STANDARD`) — Type of the EMI offer. - `percentage` (`number`) — Subvention percentage offered by the offering entity. - `amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `breakup` (`object`) — Breakup details. - `merchant` (`object`) — Breakup detail for an entity. - `amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `issuer` (`object`) — Breakup detail for an entity. - `amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `brand` (`object`) — Breakup detail for an entity. - `amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `dealer` (`object`) — Breakup detail for an entity. - `amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `max_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `min_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `discount` (`object`) — Discount details. - `discount_type` (`INSTANT | DEFERRED`) — Type of discount. - `discount_string` (`string`) — Discount string offered by the offering Entity. - `percentage` (`number`) — Discount percentage offered by the offering entity. - `amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `max_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `min_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `discount_deferred_duration_value` (`integer`) — The value of the discount deferred duration. - `discount_deferred_duration_type` (`DAY | MONTH`) — Type of the tenure for the discount. - `breakup` (`object`) — Breakup details. - `merchant` (`object`) — Breakup detail for an entity. - `amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `issuer` (`object`) — Breakup detail for an entity. - `amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `brand` (`object`) — Breakup detail for an entity. - `amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `dealer` (`object`) — Breakup detail for an entity. - `amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `brand_name` (`string`) — Name of the brand. - `interest_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `interest_rate` (`number`) — Interest rate applied on the product. - `cart_coupon_discount_product_share` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `downpayment_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `after_downpayment_reduced_product_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `discount` (`object`) — Discount details. - `discount_type` (`INSTANT | DEFERRED`) — Type of discount. - `discount_string` (`string`) — Discount string offered by the offering Entity. - `percentage` (`number`) — Discount percentage offered by the offering entity. - `amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `max_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `min_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `discount_deferred_duration_value` (`integer`) — The value of the discount deferred duration. - `discount_deferred_duration_type` (`DAY | MONTH`) — Type of the tenure for the discount. - `breakup` (`object`) — Breakup details. - `merchant` (`object`) — Breakup detail for an entity. - `amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `issuer` (`object`) — Breakup detail for an entity. - `amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `brand` (`object`) — Breakup detail for an entity. - `amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `dealer` (`object`) — Breakup detail for an entity. - `amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `cashback` (`object`) — Cashback details applicable for the offer. - `cashback_type` (`INSTANT | DEFERRED`) — Type of cashback. - `percentage` (`number`) — Cashback percentage offered by the offering entity. - `amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `max_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `min_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `breakup` (`object`) — Breakup details. - `merchant` (`object`) — Breakup detail for an entity. - `amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `issuer` (`object`) — Breakup detail for an entity. - `amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `brand` (`object`) — Breakup detail for an entity. - `amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `dealer` (`object`) — Breakup detail for an entity. - `amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `loan_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `auth_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `total_discount_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `total_cashback_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `net_payment_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `monthly_emi_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `total_emi_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `interest_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `advance_emi_months` (`integer[]`) — List of months for which EMI is paid in advance. - `split_emi_display_name` (`string`) — Split EMI display name to be shown in the UI if split EMI is applicable and provided by the brand. - `split_emi_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `split_emi_percentage` (`number`) — Split EMI percentage for the tenure. - `total_subvention_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `interest_rate_percentage` (`number`) — Interest rate percentage for the tenure. - `processing_fee_details` (`object`) — Processing fee details for the tenure. - `percentage` (`number`) — Processing fee percentage offered by the offering entity. - `amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `total_down_payment_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `dealer_charges_percentage` (`number`) — Dealer charges percentage for NBFC. - `net_dealer_disbursement_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `convenience_fee_breakdown` (`object`) — Convenience fee breakdown details. - `fee_calculated_on_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `fee_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `tax_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `additional_fee_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `maximum_fee_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `applicable_fee_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `subvented_fee_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `cart_coupon_discount_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `total_coupon_discount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `downpayment_details` (`object`) — Down payment amount detail. - `downpayment_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `emi_type` (`LOW_COST | NO_COST | STANDARD`) — EMI type for the tenure. - `is_mobile_number_required_for_eligibility` (`boolean`) — Mobile number is required for velocity check or not. - `is_offer_auto_applied` (`boolean`) — Is this particular offer going to be auto applied at the UI. - `offer_eligibility_channel_list` (`string[]`) — Channels through which offer is supported. - `discount` (`object`) — Discount details. - `discount_type` (`INSTANT | DEFERRED`) — Type of discount. - `discount_string` (`string`) — Discount string offered by the offering Entity. - `percentage` (`number`) — Discount percentage offered by the offering entity. - `amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `max_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `min_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `discount_deferred_duration_value` (`integer`) — The value of the discount deferred duration. - `discount_deferred_duration_type` (`DAY | MONTH`) — Type of the tenure for the discount. - `breakup` (`object`) — Breakup details. - `merchant` (`object`) — Breakup detail for an entity. - `amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `issuer` (`object`) — Breakup detail for an entity. - `amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `brand` (`object`) — Breakup detail for an entity. - `amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `dealer` (`object`) — Breakup detail for an entity. - `amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `loan_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `auth_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `total_discount_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `net_payment_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `monthly_emi_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `total_emi_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `interest_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `advance_emi_months` (`integer[]`) — List of months for which EMI is paid in advance. - `split_emi_display_name` (`string`) — Split EMI display name to be shown in the UI if split EMI is applicable and provided by the brand. - `split_emi_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `split_emi_percentage` (`number`) — Split EMI percentage for the tenure. - `total_subvention_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `interest_rate_percentage` (`number`) — Interest rate percentage for the tenure. - `processing_fee_details` (`object`) — Processing fee details for the tenure. - `percentage` (`number`) — Processing fee percentage offered by the offering entity. - `amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `total_down_payment_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `dealer_charges_percentage` (`number`) — Dealer charges percentage for NBFC. - `net_dealer_disbursement_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `convenience_fee_breakdown` (`object`) — Convenience fee breakdown details. - `fee_calculated_on_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `fee_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `tax_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `additional_fee_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `maximum_fee_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `applicable_fee_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `subvented_fee_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `cart_coupon_discount_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `total_coupon_discount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `downpayment_details` (`object`) — Down payment amount detail. - `downpayment_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `emi_type` (`LOW_COST | NO_COST | STANDARD`) — EMI type for the tenure. - `entity_data` (`object`) — Data related to the Entity (OTP, consent, etc.). - `issuer_data` (`object`) — Data related to the Issuer (OTP, consent, etc.). - `otp_length` (`integer`) — Length of the OTP. - `otp_time_in_sec` (`integer`) — OTP validity time in seconds. - `otp_retry_count` (`integer`) — Maximum retry count for OTP. - `is_consent_page_required` (`boolean`) — Whether consent page is required. - `consent_data` (`string`) — Consent data for the transaction. - `terms_and_conditions` (`string`) — Terms and conditions data for the transaction. - `show_key_fact_statement` (`boolean`) — Whether the key fact statement should be shown. - `auth_type` (`PENNY_DROP | OTP`) — Authentication type (PENNY_DROP or OTP). - `penny_transaction_amount` (`object`) — Monetary amount with currency. - `value` (`integer`) **required** — Amount in the smallest currency unit (e.g., paisa for INR). - `currency` (`string`) **required** — Three-letter ISO 4217 currency code. - `is_tokenized_transaction_supported` (`boolean`) — Whether tokenized transactions are supported. - `pan_number_last_digit_count` (`string`) — Last digit count of PAN. - `offer_validation_parameters_required` (`string[]`) — Params required in offer validation API (card_details__registered_mobile_number, cardless_details__registered_mobile_number, cardless_details__pan_last_digits, card_details__card_number, card_token_details__token, card_token_details__token_id). __(double underscore) means nested property of parent object. ### Example Response ```json { "entities": [ { "entity_id": "37", "entity_name": "UPI", "entity_display_name": "UPI", "entity_type": "UPI", "entity_priority": 26, "tenures": [ { "tenure_id": "7", "name": "No EMI Only Cashback", "tenure_type": "MONTH", "tenure_value": 0, "issuer_offer_parameters": [ { "program_type": "MERCHANT_BANK_OFFER", "offer_id": "6037", "offer_parameter_id": "v1-37-10-7-5-6037-287151" } ], "details": [ { "product_code": "ICB_BOSCH_001", "brand_id": "7", "product_offer_parameters": [ { "program_type": "MERCHANT_BANK_OFFER", "offer_id": "6037", "offer_parameter_id": "v1-37-10-7-5-6037-287151" } ], "product_amount": { "value": 50000, "currency": "INR" }, "product_coupon_discount_amount": { "value": 50000, "currency": "INR" }, "subvention": { "subvention_type": "INSTANT", "offer_type": "NO_COST", "amount": { "value": 50000, "currency": "INR" }, "breakup": { "merchant": { "amount": { "value": 50000, "currency": "INR" } }, "issuer": { "amount": { "value": 50000, "currency": "INR" } }, "brand": { "amount": { "value": 50000, "currency": "INR" } }, "dealer": { "amount": { "value": 50000, "currency": "INR" } } }, "max_amount": { "value": 50000, "currency": "INR" }, "min_amount": { "value": 50000, "currency": "INR" } }, "discount": { "discount_type": "INSTANT", "percentage": 10, "amount": { "value": 50000, "currency": "INR" }, "max_amount": { "value": 50000, "currency": "INR" }, "min_amount": { "value": 50000, "currency": "INR" }, "discount_deferred_duration_type": "DAY", "breakup": { "merchant": { "amount": { "value": 50000, "currency": "INR" } }, "issuer": { "amount": { "value": 50000, "currency": "INR" } }, "brand": { "amount": { "value": 50000, "currency": "INR" } }, "dealer": { "amount": { "value": 50000, "currency": "INR" } } } }, "interest_amount": { "value": 50000, "currency": "INR" }, "interest_rate": 0, "cart_coupon_discount_product_share": { "value": 50000, "currency": "INR" }, "downpayment_amount": { "value": 50000, "currency": "INR" }, "after_downpayment_reduced_product_amount": { "value": 50000, "currency": "INR" } } ], "offers": [ { "offer_ranking": 1, "issuer_offer_parameters": [ { "program_type": "MERCHANT_BANK_OFFER", "offer_id": "6037", "offer_parameter_id": "v1-37-10-7-5-6037-287151" } ], "details": [ { "product_code": "ICB_BOSCH_001", "brand_id": "7", "product_offer_parameters": [ { "program_type": "MERCHANT_BANK_OFFER", "offer_id": "6037", "offer_parameter_id": "v1-37-10-7-5-6037-287151" } ], "product_amount": { "value": 50000, "currency": "INR" }, "product_coupon_discount_amount": { "value": 50000, "currency": "INR" }, "subvention": { "subvention_type": "INSTANT", "offer_type": "NO_COST", "amount": { "value": 50000, "currency": "INR" }, "breakup": { "merchant": { "amount": { "value": 50000, "currency": "INR" } }, "issuer": { "amount": { "value": 50000, "currency": "INR" } }, "brand": { "amount": { "value": 50000, "currency": "INR" } }, "dealer": { "amount": { "value": 50000, "currency": "INR" } } }, "max_amount": { "value": 50000, "currency": "INR" }, "min_amount": { "value": 50000, "currency": "INR" } }, "discount": { "discount_type": "INSTANT", "percentage": 10, "amount": { "value": 50000, "currency": "INR" }, "max_amount": { "value": 50000, "currency": "INR" }, "min_amount": { "value": 50000, "currency": "INR" }, "discount_deferred_duration_type": "DAY", "breakup": { "merchant": { "amount": { "value": 50000, "currency": "INR" } }, "issuer": { "amount": { "value": 50000, "currency": "INR" } }, "brand": { "amount": { "value": 50000, "currency": "INR" } }, "dealer": { "amount": { "value": 50000, "currency": "INR" } } } }, "interest_amount": { "value": 50000, "currency": "INR" }, "interest_rate": 0, "cart_coupon_discount_product_share": { "value": 50000, "currency": "INR" }, "downpayment_amount": { "value": 50000, "currency": "INR" }, "after_downpayment_reduced_product_amount": { "value": 50000, "currency": "INR" } } ], "discount": { "discount_type": "INSTANT", "percentage": 10, "amount": { "value": 50000, "currency": "INR" }, "max_amount": { "value": 50000, "currency": "INR" }, "min_amount": { "value": 50000, "currency": "INR" }, "discount_deferred_duration_type": "DAY", "breakup": { "merchant": { "amount": { "value": 50000, "currency": "INR" } }, "issuer": { "amount": { "value": 50000, "currency": "INR" } }, "brand": { "amount": { "value": 50000, "currency": "INR" } }, "dealer": { "amount": { "value": 50000, "currency": "INR" } } } }, "cashback": { "cashback_type": "INSTANT", "amount": { "value": 50000, "currency": "INR" }, "max_amount": { "value": 50000, "currency": "INR" }, "min_amount": { "value": 50000, "currency": "INR" }, "breakup": { "merchant": { "amount": { "value": 50000, "currency": "INR" } }, "issuer": { "amount": { "value": 50000, "currency": "INR" } }, "brand": { "amount": { "value": 50000, "currency": "INR" } }, "dealer": { "amount": { "value": 50000, "currency": "INR" } } } }, "loan_amount": { "value": 50000, "currency": "INR" }, "auth_amount": { "value": 50000, "currency": "INR" }, "total_discount_amount": { "value": 50000, "currency": "INR" }, "total_cashback_amount": { "value": 50000, "currency": "INR" }, "net_payment_amount": { "value": 50000, "currency": "INR" }, "monthly_emi_amount": { "value": 50000, "currency": "INR" }, "total_emi_amount": { "value": 50000, "currency": "INR" }, "interest_amount": { "value": 50000, "currency": "INR" }, "advance_emi_months": [], "split_emi_amount": { "value": 50000, "currency": "INR" }, "total_subvention_amount": { "value": 50000, "currency": "INR" }, "interest_rate_percentage": 0, "processing_fee_details": { "amount": { "value": 50000, "currency": "INR" } }, "total_down_payment_amount": { "value": 50000, "currency": "INR" }, "net_dealer_disbursement_amount": { "value": 50000, "currency": "INR" }, "convenience_fee_breakdown": { "fee_calculated_on_amount": { "value": 50000, "currency": "INR" }, "fee_amount": { "value": 50000, "currency": "INR" }, "tax_amount": { "value": 50000, "currency": "INR" }, "additional_fee_amount": { "value": 50000, "currency": "INR" }, "maximum_fee_amount": { "value": 50000, "currency": "INR" }, "applicable_fee_amount": { "value": 50000, "currency": "INR" }, "subvented_fee_amount": { "value": 50000, "currency": "INR" } }, "cart_coupon_discount_amount": { "value": 50000, "currency": "INR" }, "total_coupon_discount": { "value": 50000, "currency": "INR" }, "downpayment_details": { "downpayment_amount": { "value": 50000, "currency": "INR" } }, "emi_type": "STANDARD", "is_mobile_number_required_for_eligibility": false, "is_offer_auto_applied": true, "offer_eligibility_channel_list": [] } ], "discount": { "discount_type": "INSTANT", "percentage": 10, "amount": { "value": 50000, "currency": "INR" }, "max_amount": { "value": 50000, "currency": "INR" }, "min_amount": { "value": 50000, "currency": "INR" }, "discount_deferred_duration_type": "DAY", "breakup": { "merchant": { "amount": { "value": 50000, "currency": "INR" } }, "issuer": { "amount": { "value": 50000, "currency": "INR" } }, "brand": { "amount": { "value": 50000, "currency": "INR" } }, "dealer": { "amount": { "value": 50000, "currency": "INR" } } } }, "loan_amount": { "value": 50000, "currency": "INR" }, "auth_amount": { "value": 50000, "currency": "INR" }, "total_discount_amount": { "value": 50000, "currency": "INR" }, "net_payment_amount": { "value": 50000, "currency": "INR" }, "monthly_emi_amount": { "value": 50000, "currency": "INR" }, "total_emi_amount": { "value": 50000, "currency": "INR" }, "interest_amount": { "value": 50000, "currency": "INR" }, "advance_emi_months": [], "split_emi_amount": { "value": 50000, "currency": "INR" }, "total_subvention_amount": { "value": 50000, "currency": "INR" }, "processing_fee_details": { "amount": { "value": 50000, "currency": "INR" } }, "total_down_payment_amount": { "value": 50000, "currency": "INR" }, "net_dealer_disbursement_amount": { "value": 50000, "currency": "INR" }, "convenience_fee_breakdown": { "fee_calculated_on_amount": { "value": 50000, "currency": "INR" }, "fee_amount": { "value": 50000, "currency": "INR" }, "tax_amount": { "value": 50000, "currency": "INR" }, "additional_fee_amount": { "value": 50000, "currency": "INR" }, "maximum_fee_amount": { "value": 50000, "currency": "INR" }, "applicable_fee_amount": { "value": 50000, "currency": "INR" }, "subvented_fee_amount": { "value": 50000, "currency": "INR" } }, "cart_coupon_discount_amount": { "value": 50000, "currency": "INR" }, "total_coupon_discount": { "value": 50000, "currency": "INR" }, "downpayment_details": { "downpayment_amount": { "value": 50000, "currency": "INR" } }, "emi_type": "STANDARD" } ], "entity_data": { "issuer_data": { "otp_length": 6, "otp_time_in_sec": 30, "otp_retry_count": 3, "is_consent_page_required": false, "consent_data": "Sample Consent", "terms_and_conditions": "Sample TNC", "show_key_fact_statement": false, "auth_type": "OTP", "penny_transaction_amount": { "value": 50000, "currency": "INR" }, "is_tokenized_transaction_supported": false, "pan_number_last_digit_count": "3", "offer_validation_parameters_required": [ "card_details__registered_mobile_number", "card_details__card_number" ] } } } ] } ``` --- Reference: https://localhost:3000/api/affordability-suite/create-offer-discovery-v2