API integration

Alternatively, if you prefer to integrate the capability of directly sending financing invitations to your customers from your website or sales channel —instead of using Nemuru's merchant portal—, you can do so by integrating our POS API.

The following sequence diagram exemplifies the usual integration flow.

1. The merchant sends a Login request to get an access_token for authenticating subsequent requests with Nemuru.
2. Optionally, the merchant gets its agent_id, which will be necessary when creating a financing invitation (step #4) or consulting available conditions (step #3).
3. Optionally, it is possible to display the available conditions (different programs) for an specific amount to be financed.
4. The merchant creates a loan (short for "financing invitation").

At this point, your customer (the borrower) receives the invitation link for applying for the loan. The link is sent by Nemuru by email and SMS (you previously sent the customer's contact details in step #4).

The customer opens the digital onboarding (web application hosted by Nemuru) and fulfills the onboarding process. Once completed, Nemuru distributes the financing application amongst the pool of lenders. Nemuru displays the lender's decision to the customer withi the same digital onboarding process.

5. Additionally, if a webhook is configured in your end, Nemuru will send you status change notifications, which will allow you to keep track of your customer's application progress and final decision by the lender.

info

Check Nemuru's POS API reference for more detail.