Check BNPL Eligibility

POST/api/payment-option/eligibility/bnpl

Check whether a customer is eligible for Buy Now Pay Later (BNPL) payment based on their mobile number and the selected BNPL provider.

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Requires Bearer token. Get token →

Header Parameters

Field	Details
`Request-Timestamp` `string`date-time	ISO 8601 UTC timestamp of the request. Used for idempotency and audit.
`Request-ID` `string`	Use a global unique identifier [GUID] for the request. Constraints Minimum length: 1 characterMaximum length: 50 characters

Request Bodyrequired

Field	Details
`mobile` `string`required	Customer's 10-digit mobile number without country code.
`pay_code` `string`required	BNPL service provider code. Allowed values: `LAZYPAY`
`amount` `object`required2 nested fields	Monetary amount with currency.
`device_info` `object`6 nested fields	Device information details.
`email` `string`	Customer's email address.

Response

Field	Details
`txn_eligibility` `boolean`	Whether the customer is eligible for BNPL.
`metadata` `object`2 nested fields	Credit limit meta information.
`credit_limit_available_in_paise` `string`	Running line of credit limit available in paise.
`installments` `object[]`3 nested fields	Installment breakdown for BNPL.

Status Codes

`200`	Eligibility check completed.
`400`	The request was malformed or missing required fields.
`401`	Authentication failed — missing, expired, or invalid Bearer token.
`422`	Unprocessable entity.
`500`	An unexpected error occurred on the server.

Run

Request

curl --request POST \
  --url https://pluraluat.v2.pinepg.in/api/payment-option/eligibility/bnpl \
  --header 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
  --header 'Content-Type: application/json' \
  --header 'Request-ID: a1b2c3d4-e5f6-7890-abcd-ef1234567890' \
  --header 'Request-Timestamp: 2024-10-01T10:30:00Z' \
  --data '{
  "mobile": "9876543210",
  "pay_code": "LAZYPAY",
  "amount": {
    "value": 50000,
    "currency": "INR"
  },
  "device_info": {
    "operating_system": "ANDROID",
    "source_ip_address": "10.11.19.2",
    "browser_ip_address": "203.0.113.42",
    "browser_user_agent": "Chrome",
    "device_model": "Samsung S21 Ultra",
    "device_manufacturer": "Samsung"
  },
  "email": "john.doe@example.com"
}'

Status:

{
  "txn_eligibility": true,
  "metadata": {
    "credit_limit_available_in_paise": "0",
    "installments": [
      {
        "serial_no": 1,
        "amount_in_paise": 1134,
        "due_date": "2025-06-30"
      }
    ]
  }
}