---
title: "T191 · BNPL Disclosure Template Generator — AINumbers.co"
method: POST
path: "/v1/tools/bnpl_disclosure_template_generator"
---

# T191 · BNPL Disclosure Template Generator — AINumbers.co

`POST /v1/tools/bnpl_disclosure_template_generator`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/bnpl_disclosure_template_generator`
- Auth: none declared

Generate compliant BNPL checkout disclosure language for UK (FCA CONC 4 / PCCI), US (TILA/Reg Z), and EU (CCD2 SECCI). Export Markdown templates and Policy Mandate JSON disclosure manifest.

**Tool URL:** https://ainumbers.co/tools/191-bnpl-disclosure-template-generator.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `jurisdictions` string[], required
  - `lender_name` string: Legal entity name of the lender/creditor. Used in all disclosure documents.
  - `product_name` string: BNPL product name (e.g. 'Pay in 4', 'Split Pay').
  - `currency` 'GBP' | 'EUR' | 'USD'
  - `purchase_amount` number, required: Total credit / purchase amount.
  - `num_instalments` integer, required: Number of repayment instalments.
  - `first_payment_timing` 'immediate' | 'deferred': Whether first payment is due at checkout or deferred.
  - `defer_days` integer: Days before first payment when first_payment_timing is 'deferred'.
  - `payment_interval` '2weeks' | 'monthly' | 'custom'
  - `apr_pct` number: Annual Percentage Rate as a percentage. 0 for interest-free BNPL.
  - `late_fee` number: Late fee per missed payment in reporting currency. Optional.
  - `fca_authorisation_number` string: FCA authorisation number for UK disclosures. Inserts placeholder if blank.

## Response `200`

Successful tool execution result

- object
  - `calculated_fields` object
    - `instalment_amount` number
    - `last_instalment` number
    - `total_payable` number
    - `finance_charge` number
  - `disclosures` object: Per-jurisdiction disclosure text.
    - `uk` object
      - `checkout_summary` string
      - `pcci_long_form` string
    - `eu` object
      - `checkout_summary` string
      - `secci_long_form` string
    - `us` object
      - `checkout_summary` string
      - `tila_box_long_form` string
  - `ap2_mandate` object: Mandato de Política disclosure manifest with mandate_type: disclosure_template.

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)