---
title: "Get BNPL Offer"
method: POST
path: "/invoice/{invoiceId}/bnpl/offer"
tags: ["invoice > bnpl"]
---

# Get BNPL Offer

`POST /invoice/{invoiceId}/bnpl/offer`

## Request

- Base URL: `https://api.mercoa.com`
- URL: `https://api.mercoa.com/invoice/{invoiceId}/bnpl/offer`
- Auth: HTTP bearer

Get a BNPL offer for an invoice

## Path parameters

- `invoiceId` string, required

## Request body

- InvoiceTypesBnplOfferRequest
  - `cadence` 'WEEKLY' | 'BIWEEKLY' | 'MONTHLY', required
  - `installmentsStartDate` string, required: The start date for installments in YYYY-MM-DD format
  - `numberOfInstallments` integer, required: The number of installments
  - `paymentDayOfWeek` 'MONDAY' | 'TUESDAY' | 'WEDNESDAY' | 'THURSDAY' | 'FRIDAY' | 'SATURDAY' | 'SUNDAY', required
  - `downPaymentDueDate` string, required: The due date for the down payment in YYYY-MM-DD format

## Response `200`

Response with status 200

- InvoiceTypesBnplOfferResponse
  - `invoiceAmount` integer, required: The total amount of the invoice in cents.
  - `totalRepaymentAmount` integer, required: Total amount to be repaid, including fees. In cents.
  - `currency` string, required: The currency code for the amount
  - `downPaymentAmount` integer, required: The down payment amount in cents
  - `numberOfPayments` integer, required: The number of payments/installments
  - `firstPaymentDate` string, required: The date of the first payment in YYYY-MM-DD format
  - `finalPaymentDate` string, required: The date of the final payment in YYYY-MM-DD format
  - `fees` InvoiceTypesBnplFees, required
    - `baseFeeAmount` integer, required: Total fees in cents
    - `baseFeePercentage` number, double, required: Fee percentage as a decimal (e.g., 1.4 for 1.4%)
  - `termsLink` string: A link to the terms and conditions for the offer
  - `installments` InvoiceTypesBnplInstallment[], required: A list of all installments, including down payment.
    - `number` integer, required
    - `dueDate` string, required
    - `amount` integer, required
    - `type` 'DOWN_PAYMENT' | 'REGULAR', required
  - `paymentDayOfWeek` 'MONDAY' | 'TUESDAY' | 'WEDNESDAY' | 'THURSDAY' | 'FRIDAY' | 'SATURDAY' | 'SUNDAY', required
  - `installmentAmount` integer, required: The amount for each regular installment. The last installment may have a different amount. In cents.
  - `financeFeeRate` string, required: e.g. "1.5% per 28 days"

## Other responses

- `400`: Error response with status 400
- `401`: Error response with status 401
- `403`: Error response with status 403
- `404`: Error response with status 404
- `409`: Error response with status 409
- `500`: Error response with status 500
- `501`: Error response with status 501

---

[API](https://skmtc.dev/mercoa/apis/mercoa-2.md) - [All operations](https://skmtc.dev/mercoa/apis/mercoa-2/llms.txt) - [OpenAPI document](https://skmtc.dev/mercoa/apis/mercoa-2/revisions/00a8e403ae18?raw)