Cancel a BNPL loan by external transaction ID

POST 
/partner/pre-approve/:externalTrxId/loan/cancel

Cancels a BNPL (Buy Now, Pay Later) loan associated with a partner's external transaction. Only available within a 60-day window from the loan disbursement date (transferDate).

If one or more installments have already been paid at the time of cancellation, the corresponding amounts will be refunded to the customer. The total refund is reflected in the refundAmount field of the response.

This endpoint accepts at most one request every 15 seconds; additional requests receive 429.

Request

Responses

200

Loan successfully cancelled

400

Bad Request. Possible causes:

• The loan does not belong to the authenticated partner.
• The API token is not the current API token of the partner.

401

Unauthorized - Invalid or missing access token

403

Forbidden - The partner is not active

404

Not Found - No loan, loan request or pre-request found for the given externalTrxId

405

Method Not Allowed - The loan is not of BNPL type

409

Conflict. Possible causes:

• The loan is not in a cancellable state (ACTIVE, SOFT_DEBT, INTERMEDIATE_DEBT, HARD_DEBT or PAID).
• A cancellation or a settled partial refund was already processed for externalTrxId.

422

Unprocessable Entity - Cancellation window has expired (more than 60 days since transferDate). The error code is returned in message.

429

Too Many Requests - More than one request in 15 seconds. The response includes a Retry-After header and a plain-text body.