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\n \n <\/tabs>\n <\/div>\n<\/div>\n","url":"https:\/\/docs.adyen.com\/pt\/capital\/get-grant-offers\/dynamic-offers","articleFields":{"description":"Learn how to get dynamic offers to present a minimum and maximum financing range to your users.","feedback_component":true,"next_steps":[{"title":"Show the Terms of Service","description":"Get your users to accept Adyen's Terms of Service.","url":"\/capital\/terms-of-service","required":true},{"title":"Disburse a grant","description":"Learn how to make a request for a grant and disburse the funds to your user's account.","url":"\/capital\/make-grant-request","required":true}],"parameters":{"directoryPath":"\/capital","model":"platform","financialProduct":"capital"}},"algolia":{"url":"https:\/\/docs.adyen.com\/pt\/capital\/get-grant-offers\/dynamic-offers","title":"Dynamic financing offers","content":"Adyen offers greater flexibility by supporting dynamic financing offers through the Capital API. Instead of a list of static offers with fixed financing amounts, a dynamic offer provides a range from which your user can select their preferred financing amount.\nYou can use the range from dynamic offers to, for example, create a slider in your user interface (UI) that allows your user to select the financing amount. After the user confirms their selection, you can create a static offer for the selected amount.\nRequirements\nBefore you begin, take into account the following requirements, limitations, and preparations.\n\n\n\nRequirement\nDescription\n\n\n\n\nIntegration type\nYou must have an Adyen for Platforms integration that supports Capital.\n\n\nAPI credentials\nYou must have a Balance Platform API key (for example, ws[_123456]@BalancePlatform.[YourBalancePlatform]) to access the Capital API.Your API credential must have the following roles: Balance Platform Capital Configuration roleBalance Platform Capital Grant Initiation role\n\n\nCapabilities\nMake sure that your user have the following capability: getGrantOffers\n\n\nLimitations\nRequests to the following endpoints are subject to rate limits in both Test and Live environments: \/dynamicOffers\/{dynamicOfferId}\/calculate: 120 requests per minute \/dynamicOffers\/{dynamicOfferId}\/grantOffer: 30 requests per minuteThe amount a user selects on your UI must be within the range available to this user. However, you can set a custom logic for amount increments within the range. For example, you can specify steps of EUR 100 or EUR 500.Each financing offer remains valid for seven days. After this period, a new offer is generated for an account holder if they still meet the qualification criteria. The range may differ from one offer to another.\n\n\nSetup steps\nBefore you begin, make sure: You followed our compliance guidelines for Capital when creating user interfaces, marketing materials, and other processes.You built a user interface that allows users to select their preferred financing amount from a range.\n\n\n\nHow it works\nThe process to get a financing offer through the dynamic offers flow is as follows:\n\nMake an API request to get the range of available financing for a specific account holder. Use information from the API response to present the offer in your UI. For example, you can build a slider that allows your users to select their preferred amount.\nAfter the user selects an amount, make an API request to calculate a preliminary offer. This returns an initial breakdown of costs and conditions for the selected financing amount.\nWhen the user confirms their selection, make an API request to create a static offer for the selected amount. This action generates a legally binding offer with a final breakdown of costs and conditions.\nGet updates when a new offer is created for your account holder.\n\nThe following sections provide more details about each step of integrating dynamic financing offers.\n1. Get the range of available financing\nTo get the financing range available for a specific user:\n\n\nMake a GET \/dynamicOffers request including the following query parameters:\n\n\n\nParameter\nType\nRequired\nDescription\n\n\n\n\n accountHolderId\nString\n\nThe unique identifier of that the dynamic offer is for.\n\n\n financingType\nString\n\nThe type of financing that the offer is for. Currently, only businessFinancing is supported.\n\n\n\n Required Conditionally required\nThe following code sample shows how to get the range of available financing for the account holder ID AH00000000000000000000001.\n\n\n\n\n\nIn the response, note the dynamicOffers object with the following parameters:\n\n\n\nParameter\nDescription\n\n\n\n\n accountHolderId`\nThe unique identifier of the account holder that the dynamic offer is for.\n\n\n contractType\nThe contract type of the offer.\n\n\n expiresAt\nThe expiration date and time of the offer validity period.\n\n\n financingType\nThe type of financing that the offer is for. Currently, only businessFinancing is supported.\n\n\n id\nThe unique identifier of the dynamic financing offer.\n\n\n maximumAmount\nAn object containing the maximum amount of the financing offer, including both the value and the currency.\n\n\n minimumAmount\nAn object containing the minimum amount of the financing offer, including both the value and the currency.\n\n\n repayment\nAn object containing the details of the repayment configuration.\n\n\n repayment.term.estimatedDays\nThe estimated period for repaying the grant, in days.\n\n\n repayment.term.maximumDays\nThe maximum period for repaying the grant, in days.\n\n\n startsAt\nThe starting date and time of the offer validity period.\n\n\n\n\n\n\n\n\n2. Calculate a preliminary offer for a selected amount\nWhen a user selects a financing amount in your UI, for example, by moving a slider to a specific value, you must show preliminary repayment configurations. This includes daily repayment in basis points, applicable fees, repayment period, and offer validity period. The preliminary offer is for informational purposes only and cannot be used to initiate a grant.\nTo calculate a preliminary offer for the selected amount:\n\n\nMake a POST \/dynamicOffers\/{dynamicOfferId}\/calculate request to calculate the repayment configuration for the selected financing offer. In the path, include the id of the dynamic offer returned when you got the range of available financing.\n\nRequests to this endpoint are subject to rate limits. All requests to the endpoint, including those that result in failure, count toward the specified limit.\n\nTest environment: 120 requests per minute\nLive environment: 120 requests per minute\n\n\nAdditionally, specify the following parameters in your request body:\n\n\n\nParameter\nType\nRequired\nDescription\n\n\n\n\n amount.currency\nString\n\nThe three-character ISO currency code. This value must match the currency of the dynamic offer.\n\n\n amount.value\nInteger\n\nThe financing amount that the user selected, in minor units. The amount be within the range of the corresponding dynamic offer.\n\n\n\n Required Conditionally required\n\n\n\n\n\nIn the response, note the parameters in the following table:\n\n\n\nParameter\nDescription\n\n\n\n\n accountHolderId\nThe unique identifier of the account holder that the dynamic offer is for.\n\n\n amount\nAn object containing offer currency and value, in minor units.\n\n\n contractType\nThe contract type of the offer.\n\n\n expiresAt\nThe expiration date and time of the offer validity period.\n\n\n fee\nAn object containing the fee currency and value, in minor units.\n\n\n repayment\nAn object containing the details of the repayment configuration.\n\n\n repayment.basisPoints\nThe repayment amount, in basis points, that is deducted daily from your user's incoming net volume.\n\n\n repayment.term.estimatedDays\nThe estimated period for repaying the grant, in days.\n\n\n repayment.term.maximumDays\nThe maximum period for repaying the grant, in days.\n\n\n repayment.threshold.amount\nAn object containing the details of the minimum threshold amount that your user must repay every 30-day period.\n\n\n startsAt\nThe starting date and time of the offer validity period.\n\n\n\n\n\n\n\n\n3. Create a static offer for a selected amount\nAfter the user selects a final amount from the dynamic offer, use this amount to create a static offer with definitive repayment configurations. This includes the fixed financing amount, daily repayment in basis points, applicable fees, repayment period, and offer validity period.\nThis 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.\nTo create a static offer for the selected amount:\n\n\nMake a POST \/dynamicOffers\/{dynamicOfferId}\/grantOffer request. In the path, include the id of the dynamic offer returned when you got the range of available financing.\n\nRequests to this endpoint are subject to rate limits. All requests to the endpoint, including those that result in failure, count toward the specified limit.\n\nTest environment: 30 requests per minute\nLive environment: 30 requests per minute\n\n\nAdditionally, specify the following parameters in your request body:\n\n\n\nParameter\nType\nRequired\nDescription\n\n\n\n\n amount.currency\nString\n\nThe three-character ISO currency code. This value must match the currency of the dynamic offer.\n\n\n amount.value\nInteger\n\nThe final financing amount that the user selected, in minor units. The amount be within the range of the corresponding dynamic offer.\n\n\n\n Required Conditionally required\n\n\n\n\n\nIn the response, note the parameters in the following table. The id parameter represents a static offer and is required to configure a grant.\n\n\n\nParameter\nDescription\n\n\n\n\n accountHolderId\nThe unique identifier of the account holder that the dynamic offer is for.\n\n\n amount\nAn object containing offer currency and value, in minor units.\n\n\n contractType\nThe contract type of the offer.\n\n\n expiresAt\nThe expiration date and time of the offer validity period.\n\n\n fee\nAn object containing the fee currency and value, in minor units.\n\n\n id\nThe unique identifier of the static offer. Required to initiate a grant in the next step.\n\n\n repayment\nAn object containing the details of the repayment configuration.\n\n\n repayment.basisPoints\nThe repayment amount, in basis points, that is deducted daily from your user's incoming net volume.\n\n\n repayment.term.estimatedDays\nThe estimated period for repaying the grant, in days.\n\n\n repayment.term.maximumDays\nThe maximum period for repaying the grant, in days.\n\n\n repayment.threshold.amount\nAn object containing the details of the minimum threshold amount that your user must repay every 30-day period.\n\n\n startsAt\nThe starting date and time of the offer validity period.\n\n\n\n\n\n\n\n\n4. Get notified about an offer created\nYou can get updates every time a new offer is created for an account holder by subscribing to the following webhooks:\n\n balancePlatform.capital.dynamicOffer.created webhook: Notifies your server when a new dynamic offer is created for an account holder.\n balancePlatform.balanceAccountHolder.capitalOffer.created webhook: Notifies your server when a new static offer is created for an account holder.\n\n\n\n \n \n \n \n\n","type":"page","locale":"pt","boost":17,"hierarchy":{"lvl0":"Home","lvl1":"Capital","lvl2":"Get financing offers","lvl3":"Dynamic financing offers"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/pt","lvl1":"https:\/\/docs.adyen.com\/pt\/capital","lvl2":"https:\/\/docs.adyen.com\/pt\/capital\/get-grant-offers","lvl3":"\/pt\/capital\/get-grant-offers\/dynamic-offers"},"levels":4,"category":"","category_color":"","tags":["Dynamic","financing","offers"]}}
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