Create full application

Submit the customer's full application from your own checkout and get offers back.

POST https://api-staging.paytomorrow.com/api/ecommerce/application/create

Creates a PayTomorrow application with the customer's full details and runs PayTomorrow's underwriting. If the customer is approved, the response includes their offers. Send the customer to an offer's contractUrl, or select the offer first, to sign and make the down payment.

When the purchase amount is outside your approval range, applicationToken is null.

Headers

Authorization: Bearer ACCESS_TOKEN
Content-Type: application/json

Get an access token with Authenticate.

Request body

{
  "orderId": "order_id_on_your_system",
  "notifyUrl": "https://your-store.com/paytomorrow/postback",
  "loanAmount": 1000,
  "shipping": 200,
  "taxes": 100,
  "discount": 0,
  "personalInfo": {
    "ssn": "123456789",
    "dob": "1970-12-30",
    "firstName": "David",
    "lastName": "Domingo",
    "homePhone": "9999999999",
    "cellPhone": "9999999999",
    "email": "david@email.com",
    "idNumber": "A12344555",
    "idState": "NC",
    "idIssueDate": "2016-12-30",
    "idExpirationDate": "2024-12-30"
  },
  "employmentInfo": {
    "employerName": "PayTomorrow",
    "employerPhoneNumber": "9999999999",
    "employerMonths": 10,
    "employerYears": 3,
    "selfEmployed": false,
    "occupation": "Software Developer",
    "monthlyIncome": 9999,
    "otherIncome": 0,
    "otherIncomeDesc": "",
    "payCycle": "BIWEEKLY",
    "nextPayDate": "2020-04-30"
  },
  "residenceInfo": {
    "rentOrOwn": "Rent",
    "residenceAmount": 2000,
    "residenceMonths": 1,
    "residenceYears": 2,
    "streetName": "123 Main St",
    "city": "Raleigh",
    "state": "NC",
    "zip": "27777"
  },
  "items": [
    {
      "description": "Rose Gold iPhone Xs 256GB",
      "quantity": 1,
      "price": 1000,
      "brand": "Apple",
      "model": "iPhone Xs Rose Gold",
      "sku": "Product_SKU1",
      "coupon": 10,
      "discount": 20,
      "sale_price": 1000,
      "extended_list_price": 1030,
      "extended_sale_price": 1000,
      "list_price": 1030
    }
  ]
}

Order

Field	Required	Description
`orderId`	Yes	Your order ID, for your reference.
`notifyUrl`	Yes	Where PayTomorrow sends postbacks. A valid http or https URL.
`loanAmount`		The total amount to finance.
`shipping`		Shipping cost.
`taxes`		Taxes.
`discount`		Discount, if any.
`items`		The cart. Each item has `description`, `quantity`, and `price`, and can have `brand`, `model`, `sku`, `coupon`, `discount`, `sale_price`, `list_price`, `extended_list_price`, and `extended_sale_price`.

personalInfo

Field	Required	Description
`ssn`	Yes	Full SSN.
`dob`	Yes	Date of birth, `YYYY-MM-DD`.
`firstName`	Yes
`lastName`	Yes
`cellPhone`	Yes	A US number. Digits only, no country code.
`email`	Yes	A valid email address.
`homePhone`
`idNumber`		Driver's license number.
`idState`		Two-letter state that issued the license.
`idIssueDate`		`YYYY-MM-DD`.
`idExpirationDate`		`YYYY-MM-DD`.

employmentInfo

Field	Required	Description
`payCycle`	Yes	`WEEKLY`, `BIWEEKLY`, `TWICE_PER_MONTH`, or `MONTHLY`.
`nextPayDate`	Yes	`YYYY-MM-DD`.
`previousPayDate`	With `TWICE_PER_MONTH`	`YYYY-MM-DD`.
`monthlyIncome`		A number only, with no commas, periods, or dollar signs.
`employerName`, `employerPhoneNumber`, `employerMonths`, `employerYears`, `selfEmployed`, `occupation`, `otherIncome`, `otherIncomeDesc`

residenceInfo

Field	Required	Description
`streetName`	Yes	Street address.
`city`	Yes
`state`	Yes	Two-letter state code.
`zip`	Yes	Five digits.
`rentOrOwn`		`Rent`, `Own`, or `Other`.
`residenceAmount`		Monthly housing cost.
`residenceMonths`, `residenceYears`		Time at this address.

Response

{
  "applicationToken": "92fc72f8-673a-4a29-9559-4c82d5f7378f",
  "orderId": "order_id_on_your_system",
  "loanAmount": 1000,
  "status": "A",
  "offers": [
    {
      "id": 14,
      "overallTerm": 6,
      "leaseTerm": 2,
      "loanTerm": 4,
      "loanRate": 18.8282,
      "residualPercent": 75,
      "moneyFactor": 0.03626,
      "offerType": "LEASELOAN",
      "leasePayment": 188.45,
      "loanPayment": 188.28,
      "residualPayment": 750,
      "contractUrl": "https://api.paytomorrow.com/ecommerce/application/92fc72f8-673a-4a29-9559-4c82d5f7378f/offers/select/14/redirect"
    }
  ]
}

Field	Description
`applicationToken`	Save this with your order. Every later call and postback refers to it.
`status`	The application status.
`offers[].id`	The offer ID, for Select offer.
`offers[].overallTerm`	Total term in months, split into `leaseTerm` and `loanTerm`.
`offers[].leasePayment`, `offers[].loanPayment`	Monthly payment for each part.
`offers[].loanRate`, `offers[].moneyFactor`, `offers[].residualPercent`, `offers[].residualPayment`	Pricing for the offer.
`offers[].contractUrl`	Redirect the customer here, or open it in an iframe, to sign the contract and make the down payment.