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 →

Request Body

Name	Type	Description
`mobile`	`string`required	Customer's 10-digit mobile number without country code.
`pay_code`	`LAZYPAY`required	BNPL service provider code. `LAZYPAY`
`amount`	`object`required	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.
`device_info`	`object`	Device information details.
`operating_system`	`ANDROID \| IOS \| MACOS \| WINDOWS`	Type of operating system of the device. Mandatory when the request is made from a mobile platform. `ANDROIDIOSMACOSWINDOWS`
`source_ip_address`	`string`	The IP address of the user's device initiating the request, used for security validation and fraud detection.
`browser_ip_address`	`string`	The IP address captured from the user's browser during the transaction.
`browser_user_agent`	`string`	The user's browser information string, used to identify the browser, device type, and operating system.
`device_model`	`string`	The model of the user's device.
`device_manufacturer`	`string`	The name of the company that manufactured the user's device.
`email`	`string`	Customer's email address.

Response

Name	Type	Description
`txn_eligibility`	`boolean`	Whether the customer is eligible for BNPL.
`metadata`	`object`	Credit limit meta information.
`credit_limit_available_in_paise`	`string`	Running line of credit limit available in paise.
`installments`	`object[]`	Installment breakdown for BNPL.

Status Codes

`200`	Eligibility check completed.
`400`
`401`
`422`	Unprocessable entity.
`500`

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' \
  --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"
}'

Run this request

Bearer token

Request body (JSON)

200 OK

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