How to Implement the Purchase Flow
- PC (Unlicensed)
Purchase Flows
In-store Transactions
Online Transactions
For Online Apply & Buy Flow, see https://flexiti.atlassian.net/wiki/spaces/FDP/pages/44236829/Application+Flow+-+Implementation+Instructions#Online-Channel-Application-Flow
Customer Checkout - Selecting Financing Option
To populate the screens that the customer will see during checkout you will use the GET /calculate-interest endpoint. On that endpoint you will pass the customer’s Flexiti account number and the dollar amount of the purchase. We will respond back with all of the plans and terms the customer has available at the Merchant. This will depend on:
The Plans and Terms the Merchant has available
The customer’s risk rating
The customer’s province of residence
The response back from Flexiti consists of five segments of information:
account_number - Customer’s Account Number
amount - Purchase Amount
Customer related information
air - Annual Interest Rate
available_credit - Available Credit on the customer’s account
first_name - Customer’s first name
last_name - Customer’s last name
category_type - Customer’s risk rating category
Regular Purchase details (if regular revolve purchases are available)
Promotional Plan and Term details broken out by individual plans (if promotional plan purchases are available)
Example Response showing plans available
...
"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."
}
]
}
]
},
...Regular Purchase Information
term_amount - this will always be the purchase price as regular revolve purchases have a single term
air - Annual Interest Rate
fees - this array will contain administrative fee information on the purchase, if empty no administrative fees are applicable, just display $0.
Regular Purchase Display
Regular Purchase - ROC Customer
Parameters Displayed
term_amount
air
fees.description: fees.amount / fees.type
Regular Purchase - QC Customer
Parameters Displayed
term_amount
air
fees
fees.description: fees.amount / fees.type
fees.message
Promotional Purchase Information
plan_id - The Plan ID which corresponds to the Plan Names returned on on the GET /i18n endpoint or GET /lookup endpoint.
terms - term information broken out as follows for each array of terms available:
term - number of terms
term_amount - the dollar amount owed per term
apr - Annual Promotional Interest Rate
fees - fee information broken out as follows:
description - description of the fees to be displayed to the customer at checkout
amount - dollar amount of the fees
type - whether the fees are displayed per month or total
message - any customer facing message to be displayed to the customer at checkout
Promotional Purchase Plan Display
Equal Monthly Payment Plans - ROC Customer
Parameters Displayed
term_amount
plan name for plan_id derived from either:
the GET /i18n endpoint.
the GET /lookup endpoint
term
amount
apr
fees.description: fees.amount / fees.type
fees.message
Equal Monthly Payment Plans - QC Customer
Parameters Displayed
term_amount
plan name for plan_id derived from the GET /i18n endpoint.
term
amount
apr
fees.message