Introduction
The Authorization API is designed to empower our e-commerce partners to add our credit products to their payment solutions. This API enables our partners to offer their customers flexible and secure payment options, such as:
Standard Products
- Direct Invoice - product with fixed payment term (eg. 30 days). Invoice is sent to customer by email after the order is captured. An updated invoice is sent for partial deliveries or returns. Possibility to part pay the invoice and transfer the balance to loan
- Loan - option with interest and default payment term 36 months. All future purchases with loan will be added to same account. Open debt is divided to installments and invoice will be sent to customer by email once a month. Customer has the possibility to pay out the existing amount anytime without extra costs.
Other Products
- Invoice - monthly invoice compiles all orders and transactions from last 30 days on the same invoice. Possibility to part pay and transfer the balance to loan
- Part Payment -option with fixed payment plan which is set when account is created. Customer has the possibility to pay out the existing amount anytime without extra costs.
By leveraging the Authorization API, partners can request credit approval for their customers in real-time, ensuring a smooth checkout experience while facilitating access to our credit services.
The Authorization API is intended for partners who have their own checkout user interface and wish to integrate our credit products, allowing them to manage the UI and user experience independently. If you are looking for a full checkout solution including a highly customizable user interface please see Avarda Checkout solution
Supported Markets
The Authorization API is tailored for use in the following Nordic countries:
- Sweden
- Finland
- Norway
- Denmark
Key Benefits
- Seamless Integration: Partners can integrate the API into their checkout process to offer credit options without disrupting their user experience.
- Flexible Payment Solutions: Customers can choose the payment method that best suits their needs, boosting partner conversion rates.
- Real-Time Authorization: Credit requests are processed instantly, ensuring quick decision-making.
- Localized Support: The API is optimized for the requirements of each supported market.
This documentation provides detailed guidance on integrating and using the Authorization API, including authentication, request/response structures, error handling, and best practices.