Dynamic financing offers

Limited availability
Variable repayment terms (90, 180, and 360 days) for financing offers are currently in a pilot phase. To request access, reach out to your Adyen contact.

Adyen provides increased flexibility by supporting dynamic financing offers through the Capital API. Rather than presenting a list of fixed amounts, dynamic offers allow users to choose a preferred amount from a specified range.

Based on their processing history, users may receive up to three dynamic offers with repayment terms of 90, 180, and 360 days. Higher amounts are typically available with longer terms.

You can use data from dynamic offers, for example, to implement a slider in your user interface (UI) that lets users select their financing amount. Additionally, you can offer a dropdown or buttons for repayment term selection.

Requirements

Before you begin, take into account the following requirements, limitations, and preparations.

How it works

The process to get a financing offer through the dynamic offers flow is as follows:

1. Make an API request to get the range of available financing for a specific account holder. The API may return up to three dynamic offers, each with a different range and repayment term. Use the data from the API response to present offers in your UI.
2. After the user selects an amount and repayment term, make an API request to calculate a preliminary offer. This returns an initial breakdown of costs and conditions for the selected amount.
3. When the user confirms their selection, make an API request to create a static offer. This action generates a legally binding offer with a final breakdown of costs and conditions.
4. Get updates when a new offer is created for your account holder.

The following sections provide more details about each step of integrating dynamic financing offers.

1. Get the range of available financing

To get the financing range available for a specific user:

1. Make a GET /dynamicOffers request including the following query parameters:

   Parameter	Type	Required	Description
   accountHolderId	String		The unique identifier of that the dynamic offer is for.
   financingType	String		The type of financing that the offer is for. Currently, only businessFinancing is supported.

   Required
   Conditionally required

   The following code sample shows how to get the range of available financing for the account holder ID AH00000000000000000000001.

2. The API can return up to three dynamic offers, each with a different range and repayment term. In the response, review the dynamicOffers object, which contains the following parameters for each dynamic offer returned. You can use this data to, for example, implement a slider in your UI, allowing users to choose their financing amount, and provide a dropdown or selector for repayment terms.

   Parameter	Description
   accountHolderId`	The unique identifier of the account holder that the dynamic offer is for.
   contractType	The legal type of the offer. Possible values: loan, cashAdvance.
   expiresAt	The expiration date and time of the offer validity period.
   financingType	The type of financing that the offer is for. Currently, only businessFinancing is supported.
   id	The unique identifier of the dynamic financing offer.
   maximumAmount	An object containing the maximum amount of the financing offer, including both the value and the currency.
   minimumAmount	An object containing the minimum amount of the financing offer, including both the value and the currency.
   repayment	An object containing the details of the repayment configuration.
   repayment.term.estimatedDays	The estimated period for repaying the grant, in days.
   repayment.term.maximumDays	The maximum period for repaying the grant, in days.
   startsAt	The starting date and time of the offer validity period.

2. Calculate a preliminary offer for a selected amount and term

When a user selects an amount and repayment term in your UI, you must show preliminary terms and conditions for the offer. This includes a selected amount, a daily repayment in basis points, a threshold amount, applicable fees, an estimated and a maximum repayment term, and an offer validity period.

The preliminary offer is for informational purposes only and cannot be used to initiate a grant.

To calculate a preliminary offer for selected amount and term:

1. Make a POST /dynamicOffers/{dynamicOfferId}/calculate request. In the path, include the id of the dynamic offer that the user made a selection from.

   Requests to this endpoint are subject to rate limits. All requests to the endpoint, including those that result in failure, count toward the specified limit.

   • Test environment: 120 requests per minute
   • Live environment: 120 requests per minute

Additionally, specify the following parameters in your request body:

Parameter	Type	Required	Description
amount.currency	String		The three-character ISO currency code. This value must match the currency of the dynamic offer.
amount.value	Integer		The financing amount that the user selected, in minor units. The amount be within the range of the corresponding dynamic offer.

Required
Conditionally required

2. In the response, note the parameters in the following table:

   Parameter	Description
   accountHolderId	The unique identifier of the account holder that the dynamic offer is for.
   amount	An object containing offer currency and value, in minor units.
   contractType	The contract type of the offer.
   expiresAt	The expiration date and time of the offer validity period.
   fee	An object containing the fee currency and value, in minor units.
   repayment	An object containing the details of the repayment configuration.
   repayment.basisPoints	The repayment amount, in basis points, that is deducted daily from your user's incoming net volume.
   repayment.term.estimatedDays	The estimated period for repaying the grant, in days.
   repayment.term.maximumDays	The maximum period for repaying the grant, in days.
   repayment.threshold.amount	An object containing the details of the minimum threshold amount that your user must repay every 30-day period.
   startsAt	The starting date and time of the offer validity period.

3. Create a static offer for a selected amount and term

After the user selects a final amount and repayment term from the dynamic offer, use this data to create a static offer with definitive terms and conditions. This includes a fixed amount, a daily repayment in basis points, a threshold amount, applicable fees, an estimated and a maximum repayment term, and an offer validity period.

This is a formal, legally binding offer that must be provided for the user's review in your UI to comply with the user interface requirements for Capital.

To create a static offer for the selected amount and term:

1. Make a POST /dynamicOffers/{dynamicOfferId}/grantOffer request. In the path, include the id of the dynamic offer that the user made their final selection from.

   Requests to this endpoint are subject to rate limits. All requests to the endpoint, including those that result in failure, count toward the specified limit.

   • Test environment: 30 requests per minute
   • Live environment: 30 requests per minute

Additionally, specify the following parameters in your request body:

Parameter	Type	Required	Description
amount.currency	String		The three-character ISO currency code. This value must match the currency of the dynamic offer.
amount.value	Integer		The final financing amount that the user selected, in minor units. The amount be within the range of the corresponding dynamic offer.

Required
Conditionally required

2. In the response, note the parameters in the following table. The id parameter represents a static offer and is required to configure a grant.

   Parameter	Description
   accountHolderId	The unique identifier of the account holder that the dynamic offer is for.
   amount	An object containing offer currency and value, in minor units.
   contractType	The contract type of the offer.
   expiresAt	The expiration date and time of the offer validity period.
   fee	An object containing the fee currency and value, in minor units.
   id	The unique identifier of the static offer. Required to initiate a grant in the next step.
   repayment	An object containing the details of the repayment configuration.
   repayment.basisPoints	The repayment amount, in basis points, that is deducted daily from your user's incoming net volume.
   repayment.term.estimatedDays	The estimated period for repaying the grant, in days.
   repayment.term.maximumDays	The maximum period for repaying the grant, in days.
   repayment.threshold.amount	An object containing the details of the minimum threshold amount that your user must repay every 30-day period.
   startsAt	The starting date and time of the offer validity period.

4. Get notified about an offer created

You can get updates every time a new offer is created for an account holder by subscribing to the following webhooks:

• balancePlatform.capital.dynamicOffer.created webhook: Notifies your server when a new dynamic offer is created for an account holder.
• balancePlatform.balanceAccountHolder.capitalOffer.created webhook: Notifies your server when a new static offer is created for an account holder.