Customer Endpoints - POS API

These are all of the Endpoints required to identify or interact with Customers.

GET /client-id/{client_id}/customers/search

https://{posapi_url}/flexiti/pos-api/v2.5/client-id/{client_id}/customers/search?first_name=John&last_name=Smith&dob=1900-01-01

This Endpoint returns a list of accounts for the customer being searched for.

Request Parameters:

Type	Parameter	Required	Details
HEADER	authorization	Yes	ASCII string (1000) This is the word “Bearer” with a space and then the access_token given in oauth/token API response Default value: Bearer {insert_bearer_token_from_oauth_here/token_api}
HEADER	x-reference-id	Yes	ASCII string (32) GUID Unique identifier for the flow for traceability purposes
PATH	client_id	Yes	ASCII string (100) This is the Client ID given in the Developer User Account section
QUERY	first_name	Yes	ASCII string (35) The customer’s First Name on file
QUERY	last_name	Yes	ASCII string (50) The customer’s Last Name on file
QUERY	dob	Yes	ASCII string (10) Format: YYYY-MM-DD The customer’s Date of Birth on file
QUERY	postal_code	No	ASCII string (6) The customer’s Postal Code Format: XXXXXX

Response Parameters:

Type	Parameter	Details
BODY	customer_id	ASCII string (20) The Customer ID of the account This is not the Account Number The customer ID may return a '-' delimited value for an authorized business customer. in the format of: “[master-cust-id]-[authorized-user-id]”
BODY	account_status	ASCII string (1) “N” - Normal (only status that allows Authorizations/Purchases) “A” - Auth Prohibited (Authorizations/Purchases are prohibited due to lack of payment, this status can be reverted automatically by the system) “F” - Frozen (Frozen accounts can NOT make Authorizations/Purchases, this status can only be reverted manually by Operations) “Z” - Charged Off (When accounts do not pay for 6 or more months, the account is written off the Portfolio) “C” - Closed (no longer in use, this represents accounts that are closed and can NOT be brought back to life, there are some old accounts with this status)
BODY	account_status_reason_code	ASCII string (4) Possible values: AAUT, FAGN, FBNK, FCCS, FCLC, FCLG, FCQC, FCND, FCOP, FDEC, FDVO, FFRD, FHRD, FIND, FINP, FLCK, FOPD, FPAC, FRMA, FRME, FRVK, FSKP, FSLM, NNOR, ZBNK, ZCCO, ZCCS, ZCOP, ZDEC, ZDVO, ZFRD, ZMCO, ZOPD, ZSLM, ZSRO
BODY	tos_agreement	boolean True means the customer accepted the Terms and Conditions False means they have not accepted the Terms and Conditions
BODY	risk_rating	ASCII string (4) Risk rating of the Customer Possible values: L, M, H, X, Y, Z, N L - Low - Preferred (Prime Customer, Preferred Account Type) M - Medium - Preferred (Prime Customer, Preferred Account Type) H - High - Premium (Prime Customer, Premium Account Type) X - X-High - Premium (Prime Customer, Premium Account Type) Y - XX-High - Standard (Non-prime Customer) Z - XXX-High - Standard (Non-prime Customer) N - No Rating Assigned
BODY	account_number	number (14) The Account Number of the Customer This is not the FlexitiCard number (VCC)
BODY	account_type	ASCII string (100) This is the type of account the customer has
BODY	credit_limit	number (18,2) Credit limit associated with the Customer’s account
BODY	available_credit	number (18,2) Customer’s open to buy
BODY	originating_merchant_id	number (10) ID of the Merchant where the customer’s application originated
BODY	originating_merchant_name	ASCII string (130) Name of the Merchant where the customer’s application originated
BODY	creation_date	ASCII string (10) Date the customer’s account was created
BODY	first_name	ASCII string (35) Customer’s First Name
BODY	last_name	ASCII string (50) Customer’s Last Name
BODY	card_ending_in	number (4) Last 4 digits of the customer account’s primary FlexitiCard Number (VCC)
BODY	preferred_language	ASCII string (5) Preferred Language (Locale) Available values: en-CA, fr-CA Default value: en-CA

Success Response:

[
    {
        "customer_id": "123321",
        "account_status": "N",
        "account_status_reason_code": "NNOR",
        "tos_agreement"": true,
        "risk_rating": "H",
        "account_number": 123456789,
        "credit_limit": "1000.00",
        "available_credit": "659.51",
        "originating_merchant_id": "12345",
        "originating_merchant_name": "ACME Jewellers",
        "creation_date": "2019-05-15",
        "first_name": "John",
        "last_name": "Smith",
        "card_ending_in": "5941",
        "preferred_language": "fr-CA"
        "account_type": "consumer"
    },
    {
        "customer_id": "123412",
        "account_status": "F",
        "account_status_reason_code": "FLCK",
        "tos": true,
        "risk_rating": "Y",
        "account_number": 234567890,
        "credit_limit": "1000.00",
        "available_credit": "847.00",
        "originating_merchant_id": "23456",
        "originating_merchant_name": "ACME Restorations",
        "creation_date": "2019-04-15",
        "first_name": "John",
        "last_name": "Smith",
        "card_ending_in": "6457",
        "preferred_language": "en-CA"
        "account-type:" "business"
    }
]

GET /client-id/{client_id}/customers/lookup

https://{posapi_url}/flexiti/pos-api/v2.5/client-id/{client_id}/customers/lookup?vcc_number=1234123412341234

or

https://{posapi_url}/flexiti/pos-api/v2.5/client-id/{client_id}/customers/lookup?account_number=123456789

or

https://{posapi_url}/flexiti/pos-api/v2.5/client-id/{client_id}/customers/lookup?customer_id=123456789

This service allows the Merchant to gather the Customer information by providing any of the following:

a FlexitiCard (VCC) number
an Account Number
a Customer ID

If you lookup via the FlexitiCard (VCC) number, the response will return the account the FlexitiCard belongs to.

Request Parameters:

Type	Parameter	Required	Details
HEADER	authorization	Yes	ASCII string (40) This is the word “Bearer” with a space and then the access_token given in oauth/token API response Default value: Bearer {insert_bearer_token_from_oauth_here/token_api}
HEADER	x-reference-id	Yes	ASCII string (32) GUID Unique identifier for the flow for traceability purposes
PATH	client_id	Yes	ASCII string This is the Client ID given in the Developer User Account section
QUERY	lang		ASCII string (5) Customer Preferred language Available values: (en=English) or (fr=French) Default value: en
QUERY	vcc_number		ASCII string (16) The FlexitiCard Number (VCC) of the Customer
QUERY	account_number		number (14) The Account Number of the Customer This is not the FlexitiCard number (VCC)
QUERY	customer_id		ASCII string (20) The Customer ID of the Primary Account Holder This is not the Account Number

Response Parameters:

Type	Parameter	Details
BODY	available_credit	number (18,2) Customer’s open to buy
BODY	account_number	number (14) The Account Number of the Customer his is not the FlexitiCard number (VCC)
BODY	customer_id	ASCII string (20) ID of the customer This is not the customer’s Account Number The customer ID may return a '-' delimited value for an authorized business customer. in the format of: “[master-cust-id]-[authorized-user-id]”
BODY	security_qid.id	number (5) Customer’s Security Question ID provided by the Customer Lookup service
BODY	security_qid.text	ASCII string Customer’s Security Question
BODY	address_1	ASCII string (150) Customer Address Line 1
BODY	address_2	ASCII string (143) Customer Address Line 2
BODY	city	ASCII string (100) Customer City
BODY	postal_code	ASCII string (10) Customer Postal Code
BODY	province	ASCII string (2) Customer Province (2 character syntax, ex. ON for Ontario) Available values: AB, BC, MB, NB, NL, NS, NT, NU, ON, PE, QC, SK, YT.
BODY	payment_protection	boolean Whether the customer has insurance on the account
BODY	risk_rating	ASCII string (4) Risk rating of the Customer Possible values: L, M, H, X, Y, Z, N L - Low - Preferred (Prime Customer, Preferred Account Type) M - Medium - Preferred (Prime Customer, Preferred Account Type) H - High - Premium (Prime Customer, Premium Account Type) X - X-High - Premium (Prime Customer, Premium Account Type) Y - XX-High - Standard (Non-prime Customer) Z - XXX-High - Standard (Non-prime Customer) N - No Rating Assigned
BODY	offer_types.plan_name	ASCII string Name of the promotional plan available to the customer
BODY	offer_types.plan_id	number (3) ID of the promotional plan available to the customer
BODY	offer_types.offer_category	ASCII string Category of the promotional plans available to the customer Available values: equal_billing, deferred_payment
BODY	offer_types.term_options	number (3) terms of the promotional plan available to the customer
BODY	card_ending_in	number (4) Last 4 digits of the customer account’s primary FlexitiCard Number (VCC)
BODY	preferred_language	ASCII string (5) Preferred Language (Locale) Available values: en-CA, fr-CA Default value: en-CA
BODY	email	ASCII string (75) This will be a masked representation of the customer’s email address This can be used to validate with the email destination with the customer for the dynamic pin on POST /client-id/{client_id}/account/{account_number}/verify (In-store)
BODY	phone_number	ASCII string (12) This will be the last four digits of the customer’s phone number, the rest of the digits will be masked This can be used to validate with the sms destination with the customer for the dynamic pin on POST /client-id/{client_id}/account/{account_number}/verify (In-store)
BODY	account_type	ASCII string (100) This is the type of account the customer has

Success Response:

{
    "available_credit": 5000,
    "account_number": 20035156,
    "customer_id": 43353,
    "security_qid": [
        {
            "id": 4,
            "text": "What is the name of your favourite childhood friend?"
        },
    ],
    "address_1": "123 Anystreet Ave",
    "address_2": "Suite 100",
    "city": "Toronto",
    "postal_code": "M5M1M1",
    "province": "ON",
    "payment_protection": 0,
    "risk_rating": "L",
    "offer_types": [
        {
            "plan_name": "90 Days Grace, Equal Payments Regular Interest",
            "plan_id": "1",
            "offer_category": "equal_billing",
            "term_options": [
                "12",
                "18",
                "24",
                "36"
            ]
        }
    ],
    "preferred_language": "EN_CA",
    "card_ending_in": "6395"
    "email": "a***inet@flexiti.com",
    "phone_number": "***-***-2222",
    "account_type": "consumer"
}

Successful Response (Authorized user of business card):

{
    "first_name": "Random",
    "last_name": "BusinessPerson",
    "available_credit": 14000,
    "account_number": 116992907,
    "customer_id": "1291820-11",
    "security_qid": [
        {
            "id": 9,
            "text": "What is your favourite movie?"
        }
    ],
    "payment_protection": false,
    "address_1": "123 Any Street",
    "city": "Toronto",
    "postal_code": "M6S2R5",
    "province": "ON",
    "risk_rating": "L",
    "offer_types": [
        {
            "plan_name": "90 Days Grace, Equal Payments Regular Interest",
            "term_options": [
                "12",
                "18",
                "24",
                "36",
                "48",
                "60",
                "72"
            ],
            "plan_id": "1",
            "offer_category": "equal_billing"
        }
    ],
    "preferred_language": "en-CA",
    "card_ending_in": "7962",
    "email": "v*****vich@flexiti.com",
    "phone_number": "***-***-5119",
    "account_type": "business"
}

POST /client-id/{client_id}/account/{account_number}/verify

https://{posapi_url}/flexiti/pos-api/v2.5/client-id/{client_id}/account/12345678/verify

This endpoint is used for the “in-store” channel only, and allows you to verify a Customer using one of the available verification methods:

email - a dynamic pin will be sent to the customer’s email on file
sms - a dynamic pin will be sent to the customer’s phone on file
security_question - passing the correct answer to the customer’s security question will generate a dynamic pin on the response.
regular_purchase_bypass - is the customer qualifies for a regular purchase bypass a dynamic pin to be used only for regular purchases will be generated on the response.
merchant_override - select Merchants are able to override the customer authentication, this will generate a dynamic pin on the response.

Request Parameters:

Type	Parameter	Required	Details
HEADER	authorization	Yes	ASCII string (1000) This is the word “Bearer” with a space and then the access_token given in oauth/token API response Default value: Bearer {insert_bearer_token_from_oauth_here/token_api}
HEADER	x-reference-id	Yes	ASCII string (32) GUID Unique identifier for the flow for traceability purposes
PATH	client_id	Yes	ASCII string (100) This is the Client ID given in the Developer User Account section
PATH	account_number	Yes	number (14) This is the Account Number of the Primary Account Holder retrieved in any of the available endpoints
BODY	vcc_number	No	ASCII string(16) The FlexitiCard number (VCC) provided by the Customer To be used in a Business Account Authorized User’s purchase, sent with the Primary account Holder’s Account number
BODY	format	Yes	ASCII string Verification format to be presented to the Customer Available values: sms, email, merchant_override, security_question, regular_purchase_bypass Default value: sms
BODY	security_qid	Required for format: security_question	number (5) Customer’s Security Question ID provided by the Customer Lookup service
BODY	security_answer	Required for format: security_question	ASCII string (50) Customer’s response to the Security Question
BODY	request_id	Yes for in-store channel	ASCII string (150) This is the identifier for a verification to application/transaction/authorization flow.

Example Request:

{
  "format": "security_question",
  "security_qid": "6",
  "security_answer": "Rainbow",
  "request_id": "12345678901234567890"
}

Success Responses:

200 - Success - security_question

{
  "verification_code": 6785
}

200 - Success - sms

{
    "verification_code": "verification_sent_to_sms"
}

200 - Success - email

{
    "verification_code": "verification_sent_to_email"
}

200 - Success - merchant_override

{
  "verification_code": 2485
}

200 - Success - regular_purchase_bypass

{
  "verification_code": 4365
}

POST /client-id/{client_id}/customers/driverslicense

https://{posapi_url}/flexiti/pos-api/v2.5/client-id/{client_id}/customers/driverslicense

This endpoint allows the decoding of PDF417 scanned driver license information.

Request Parameters:

Type	Parameter	Required	Details
HEADER	authorization	Yes	ASCII string (1000) This is the word “Bearer” with a space and then the access_token given in oauth/token API response Default value: Bearer {insert_bearer_token_from_oauth_here/token_api}
HEADER	x-reference-id	Yes	ASCII string (32) GUID Unique identifier for the flow for traceability purposes
PATH	client_id	Yes	ASCII string (100) This is the Client ID given in the Developer User Account section
BODY	code	Yes	ASCII string PDF417 code with driver licence information

Example Request:

{
    "code": "@\n\u001e\rANSI\n604428040101 DL00310219DLDCAunavI\nDCBNONE\nDCDNONE\nDBA20200515\nDCSNUMBER1\nDACENSTREAM \nDAD\nDBD20140516\nDBB19740515\nDBCZ\nDAYBLU\nDAU163 cm\nDAG55 UNIVERSITY AVE\nDAITORONTO\nDAJON\nDAKM5J 2H7\nDAQD61014070660905\nDCFPEJK368N4\nDCGCAN\nDDEU\nDDFU\nDDGU\r"
}

Success Response:

{
    "first_name": "John",
    "middle_name": "Garry",
    "last_name": "Smith",
    "dob": "1974-05-15",
    "address_1": "123 ANY STREET",
    "city": "TORONTO",
    "province": "ON",
    "postal_code": "M1M 1M1",
    "govid_type": "CADL",
    "govid_issuedby": "ON",
    "govid_number": "D61014070123456",
    "govid_expiry": "2021-05-15"
}

POST /client-id/{client_id}/accounts/{account_number}/close

https://{posapi_url}/flexiti/pos-api/v2.5/client-id/{client_id}/accounts/12345/close

This endpoint allows the closure of a QC account.

Request Parameters:

Type	Parameter	Required	Details
HEADER	authorization	Yes	ASCII string (1000) This is the word “Bearer” with a space and then the access_token given in oauth/token API response Default value: Bearer {insert_bearer_token_from_oauth_here/token_api}
HEADER	x-reference-id	Yes	ASCII string (32) GUID Unique identifier for the flow for traceability purposes
PATH	client_id	Yes	ASCII string (100) This is the Client ID given in the Developer User Account section
PATH	account_number	Yes	number (14) The Account Number of the Customer to be closed

Success Response:

200 - Success

{
}

POST /client-id/{client_id}/accounts/{account_number}/calculate-interest

https://{posapi_url}/flexiti/pos-api/v2.5/client-id/{client_id}/accounts/12345/calculate-interest

This endpoint retrieves the plan and term configured for the merchant that can be offered to a customer.

Request Parameters:

Type	Parameter	Required	Details
HEADER	authorization	Yes	ASCII string (1000) This is the word “Bearer” with a space and then the access_token given in oauth/token API response Default value: Bearer {insert_bearer_token_from_oauth_here/token_api}
HEADER	x-reference-id	Yes	ASCII string (32) GUID Unique identifier for the flow for traceability purposes
PATH	client_id	Yes	ASCII string (100) This is the Client ID given in the Developer User Account section
PATH	account_number	Yes	number (14) The Account Number of the Primary Account Holder his is not the FlexitiCard number (VCC)
QUERY	lang		ASCII string (5) Customer Preferred language Available values: (en=English) or (fr=French) Default value: en
BODY	amount		number (18,2) Amount of the transaction to calculate interest on

Example Request:

{
    "amount": 234.45
}

Response Parameters:

Type	Parameter	Details
BODY	account_number	number (14) The Account Number of the Primary Account Holder This is not the VCC (Flexiti Card)
BODY	account_type	ASCII string (100) This is the type of account: consumer or business
BODY	amount	number (18,2) Authorization amount
BODY	customer.available_credit	number (18,2) Customer’s open to buy
BODY	customer.air	number (5,4) air for the customer
BODY	customer.first_name	ASCII string (35) Customer’s First Name
BODY	customer.last_name	ASCII string (50) Customer’s Last Name
BODY	customer.customer_category_type	ASCII string (30) Category related to the customer’s risk rating Possible values: preferred, premium, standard
BODY	regular_purchase.term_amount	number (18,2) Value to explain the amount to be paid by month (or a deferred payment)
BODY	regular_purchase.air	number (5,4) air for the purchase
BODY	regular_purchase.verify	boolean Indicate if a customer can use regular_purchase_bypass as a format on the POST /client-id/{client_id}/account/{account_number}/verify endpoint for a regular revolve purchase. This value will be true if: the account_number being passed has made ≤ 3 regular purchases in the past 24HS; and, the amount on the request is ≤ $200
BODY	regular_purchase.fees.description	ASCII string (50) Customer facing label of this fee
BODY	regular_purchase.fees.amount	number (18,2) Amount of the fees
BODY	regular_purchase.fees.type	ASCII String (20) Denotes if the administrative fee amount is a monthly or total amount Possible values: admin_total admin_monthly
BODY	regular_purchase.fees.message	ASCII string (1000) Used to convey information necessary to notify the customer Merchant is obligated to display this to the customer
BODY	promotional_purchase.plan_id	number (3) ID of the promotional plan
BODY	promotional_purchase.terms.term	number (3) Term of the promotional plan Merchant is obligated to display this to the customer
BODY	promotional_purchase.terms.term_amount	number (18,2) Value to explain the amount to be paid by month (or a deferred payment) This will include admin fees Merchant is obligated to display this to the customer
BODY	promotional_purchase.terms.apr	number (5,4) It will be a coefficient Merchant is obligated to display this to the customer
BODY	promotional_purchase.terms.fees.description	ASCII string (50) Customer facing label of this fee Merchant is obligated to display this to the customer
BODY	promotional_purchase.terms.fees.amount	number (18,2) Amount of the fees Merchant is obligated to display this to the customer
BODY	promotional_purchase.terms.fees.type	ASCII String (20) Whether the fees displayed are per month or in total Possible values: admin_total, admin_monthly
BODY	promotional_purchase.terms.fees.message	ASCII string (1000) Used to convey information necessary to notify the customer Merchant is obligated to display this to the customer

Success Response - ROC Customer:

{
    "account_number": 11223344,
    "account_type:" "consumer",
    "amount": 250,
    "customer": {
        "air": 0.289,
        "available_credit": 8000,
        "first_name": "John",
        "last_name": "Smith",
        "category_type": "preferred"
    },
    "regular_purchase": {
        "term_amount": 250,
        "air": 0.289,
        "fees": []
    },
     "promotional_purchase": [
        {
            "plan_id": 4,
            "terms": [
                {
                    "term": 3,
                    "term_amount": 20.33,
                    "apr": 0.0999,
                    "fees": [
                        {
                            "description": "Administrative fees:",
                            "amount": 49.99,
                            "type": "admin_total",
                            "message": "Although your administrative fee may be represented as a monthly or annual amount, the fee is due in full if the account is paid off early. See terms and conditions for full details."
                        }
                    ]
                }
            ]
        },
        {
            "plan_id": 5,
            "terms": [
                {
                    "term": 6,
                    "term_amount": 4.67,
                    "apr": 0,
                    "fees": [
                        {
                            "description": "Administrative fees:",
                            "amount": 3,
                            "type": "admin_monthly",
                            "message": "Although your administrative fee may be represented as a monthly or annual amount, the fee is due in full if the account is paid off early. See terms and conditions for full details."
                        }
                    ]
                },
                {
                    "term": 12,
                    "term_amount": 3.83,
                    "apr": 0,
                    "fees": [
                        {
                            "description": "Administrative fees:",
                            "amount": 3,
                            "type": "admin_monthly",
                            "message": "Although your administrative fee may be represented as a monthly or annual amount, the fee is due in full if the account is paid off early. See terms and conditions for full details."
                        }
                    ]
                }
            ]
        }
    ]
}

Success Response - Quebec Customer

{
    "account_number": 11223344,
    "amount": 250,
    "customer": {
        "air": 0.3124,
        "available_credit": 1700,
        "first_name": "Jacques",
        "last_name": "Smith",
        "category_type": "premium"
    },
    "regular_purchase": {
        "term_amount": 250,
        "air": 0.3124,
        "fees": []
    },
    "promotional_purchase": [
        {
            "plan_id": 5,
            "terms": [
                {
                    "term": 6,
                    "term_amount": 41.67,
                    "apr": 0,
                    "fees": []
                },
                {
                    "term": 12,
                    "term_amount": 20.83,
                    "apr": 0,
                    "fees": []
                }
            ]
        },
        {
            "plan_id": 9,
            "terms": [
                {
                    "term": 6,
                    "term_amount": 250,
                    "apr": 0.35,
                    "fees": []
                },
                {
                    "term": 12,
                    "term_amount": 250,
                    "apr": 0.35,
                    "fees": []
                }
            ]
        }
    ]
}