Get BNPL Loan

GET

https://api.mercoa.com/bnpl/loan/:loanId

GET

/bnpl/loan/:loanId

1 curl https://api.mercoa.com/bnpl/loan/684adb5d70a01b00596a3106 \
2      -H "Authorization: Bearer <token>"

Try it

200Get BNPL Loan

1 {
2   "loanId": "684adb5d70a01b00596a3106",
3   "businessExternalId": "ent_9a718f18-cd03-4b4d-98a6-32248969cbac",
4   "dueDate": 1752724800000,
5   "originalPrincipalBalance": 914,
6   "drawDate": 1749736285033,
7   "repaidAmount": 0,
8   "paymentMethodId": "68483ffc9b7d57005896805d",
9   "repaymentMethodId": "684adaf3cf8a670059e7f044",
10   "status": "PENDING",
11   "outstandingBalance": {
12     "principalBalance": 823,
13     "feeBalance": 13,
14     "totalBalance": 927,
15     "lateFeeBalance": 0
16   },
17   "invoiceAmount": 914,
18   "invoiceExternalId": "in_5c0e0b6c-6348-47e4-b39b-97e3d69edabd",
19   "invoiceDueDate": 1749709258847,
20   "downPaymentAmount": 91,
21   "installments": [
22     {
23       "number": 0,
24       "startDate": 1749700800000,
25       "dueDate": 1749700800000,
26       "maturityDate": 1749700800000,
27       "outstandingBalance": 91,
28       "amount": 91,
29       "status": "PENDING",
30       "type": "DOWN_PAYMENT",
31       "totalPaid": {
32         "principalBalance": 0,
33         "dueInterest": 0,
34         "totalLateFees": 0,
35         "feeAmount": 0
36       }
37     },
38     {
39       "number": 1,
40       "startDate": 1750392000000,
41       "dueDate": 1750910400000,
42       "maturityDate": 1751342400000,
43       "outstandingBalance": 209,
44       "amount": 209,
45       "status": "PENDING",
46       "type": "REGULAR",
47       "totalPaid": {
48         "principalBalance": 0,
49         "dueInterest": 0,
50         "totalLateFees": 0,
51         "feeAmount": 0
52       }
53     }
54   ],
55   "cadence": "WEEKLY",
56   "baseFeeRate": 1.339283,
57   "termsAgreementFile": "https://persist-agreement-signature-oatfi-api-stg.s3.us-east-1.amazonaws.com/loan%3A%3A684adb5d70a01b00596a3106-1749736285241.pdf?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Content-Sha256=UNSIGNED-PAYLOAD&X-Amz-Credential=AKIAXHRI6YYRXZIPAOTZ%2F20250612%2Fus-east-1%2Fs3%2Faws4_request&X-Amz-Date=20250612T135329Z&X-Amz-Expires=900&X-Amz-Signature=eb7c598665ea380ae24f2911488707e72f5b1fd9bf6fe42de27e4ded6996dee7&X-Amz-SignedHeaders=host&x-id=GetObject",
58   "invoiceUrl": "https://persist-invoice-pdf-oatfi-api-stg.s3.us-east-1.amazonaws.com/invoice_pdf_evidence/682354a387e0050058fbff2e/684adb5d70a01b00596a3106_2025-06-12T13%3A51%3A25.067Z.pdf?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Content-Sha256=UNSIGNED-PAYLOAD&X-Amz-Credential=AKIAXHRI6YYRXZIPAOTZ%2F20250612%2Fus-east-1%2Fs3%2Faws4_request&X-Amz-Date=20250612T135329Z&X-Amz-Expires=900&X-Amz-Signature=337e598acf2feaff5b234a3ecad49d6667850c47dbacb888e6ebd75224e10f74&X-Amz-SignedHeaders=host&x-id=GetObject"
59 }

Get information about a specific BNPL loan by loan ID

Get BNPL Loan

Authentication

Path parameters

Response

Errors

1	curl https://api.mercoa.com/bnpl/loan/684adb5d70a01b00596a3106 \
2	-H "Authorization: Bearer <token>"

1	{
2	"loanId": "684adb5d70a01b00596a3106",
3	"businessExternalId": "ent_9a718f18-cd03-4b4d-98a6-32248969cbac",
4	"dueDate": 1752724800000,
5	"originalPrincipalBalance": 914,
6	"drawDate": 1749736285033,
7	"repaidAmount": 0,
8	"paymentMethodId": "68483ffc9b7d57005896805d",
9	"repaymentMethodId": "684adaf3cf8a670059e7f044",
10	"status": "PENDING",
11	"outstandingBalance": {
12	"principalBalance": 823,
13	"feeBalance": 13,
14	"totalBalance": 927,
15	"lateFeeBalance": 0
16	},
17	"invoiceAmount": 914,
18	"invoiceExternalId": "in_5c0e0b6c-6348-47e4-b39b-97e3d69edabd",
19	"invoiceDueDate": 1749709258847,
20	"downPaymentAmount": 91,
21	"installments": [
22	{
23	"number": 0,
24	"startDate": 1749700800000,
25	"dueDate": 1749700800000,
26	"maturityDate": 1749700800000,
27	"outstandingBalance": 91,
28	"amount": 91,
29	"status": "PENDING",
30	"type": "DOWN_PAYMENT",
31	"totalPaid": {
32	"principalBalance": 0,
33	"dueInterest": 0,
34	"totalLateFees": 0,
35	"feeAmount": 0
36	}
37	},
38	{
39	"number": 1,
40	"startDate": 1750392000000,
41	"dueDate": 1750910400000,
42	"maturityDate": 1751342400000,
43	"outstandingBalance": 209,
44	"amount": 209,
45	"status": "PENDING",
46	"type": "REGULAR",
47	"totalPaid": {
48	"principalBalance": 0,
49	"dueInterest": 0,
50	"totalLateFees": 0,
51	"feeAmount": 0
52	}
53	}
54	],
55	"cadence": "WEEKLY",
56	"baseFeeRate": 1.339283,
57	"termsAgreementFile": "https://persist-agreement-signature-oatfi-api-stg.s3.us-east-1.amazonaws.com/loan%3A%3A684adb5d70a01b00596a3106-1749736285241.pdf?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Content-Sha256=UNSIGNED-PAYLOAD&X-Amz-Credential=AKIAXHRI6YYRXZIPAOTZ%2F20250612%2Fus-east-1%2Fs3%2Faws4_request&X-Amz-Date=20250612T135329Z&X-Amz-Expires=900&X-Amz-Signature=eb7c598665ea380ae24f2911488707e72f5b1fd9bf6fe42de27e4ded6996dee7&X-Amz-SignedHeaders=host&x-id=GetObject",
58	"invoiceUrl": "https://persist-invoice-pdf-oatfi-api-stg.s3.us-east-1.amazonaws.com/invoice_pdf_evidence/682354a387e0050058fbff2e/684adb5d70a01b00596a3106_2025-06-12T13%3A51%3A25.067Z.pdf?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Content-Sha256=UNSIGNED-PAYLOAD&X-Amz-Credential=AKIAXHRI6YYRXZIPAOTZ%2F20250612%2Fus-east-1%2Fs3%2Faws4_request&X-Amz-Date=20250612T135329Z&X-Amz-Expires=900&X-Amz-Signature=337e598acf2feaff5b234a3ecad49d6667850c47dbacb888e6ebd75224e10f74&X-Amz-SignedHeaders=host&x-id=GetObject"
59	}