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Buy Now Pay Later - Guide | Global Payments

Buy Now Pay Later - Guide

Learn how to let customers repay the cost of their purchase over time

In this guide, you’ll learn how to create a transaction that uses Buy Now Pay Later (BNPL). This includes initiating the payment, redirecting the customer, handling the redirect, checking the status, and capturing the transaction.

For an overview of BNPL, see our Overview page.

Prerequisites

Before starting the steps in this guide, you must do the following:

Step 1: Initiate the payment

In this step, we create a transaction using the Initiate call. This will specify which BNPL provider the customer wants to pay with and includes the various data elements needed by the BNPL provider to validate and authorize the transaction. The Initiate call will also retrieve some necessary information to facilitate the redirect and authentication of the customer.

In the request, You must specify the corresponding BNPL provider (for example, KLARNA, AFFIRM, ZIP) in the payment_method.bnpl.provider field.

Sample request

curl --location --request POST 'https://apis.sandbox.globalpay.com/ucp/transactions' \
--header 'Content-Type: application/json' \
--header 'X-GP-Version: 2021-03-22' \
--header 'Authorization: Bearer RyVpwpFYkuHowpkkMI3joCn0AB13' \
--data-raw '{
    "account_name": "Transaction_Processing",
    "channel": "CNP",
    "capture_mode": "LATER",
    "type": "SALE",
    "amount": "55000",
    "net_amount": "55000",
    "currency": "USD",
    "reference": "TRANS-123",
    "country": "US",
    "payment_method": {
        "name": "James Mason",
        "entry_mode": "ECOM",
        "bnpl": {
            "provider": "AFFIRM"
        }
    },
    "order": {
        "shipping_method": "DELIVERY",
        "items": [
            {
                "reference": "92ebf294-f3ef-4aba-af30-6ebaf747de8f",
                "label": "iPhone 13",
                "description": "iPhone 13",
                "quantity": "1",
                "unit_amount": "55000",
                "total_amount": "55000",
                "tax_amount": "0",
                "discount_amount": "0",
                "tax_percentage": "0",
                "net_unit_amount": "55000",
                "gift_card_currency": "USD",
                "url": "https://www.example.com/iphone.html",
                "image_url": "https://www.example.com/iphone.png"
            }
        ],
        "shipping_address": {
            "first_name": "James",
            "last_name": "Mason",
            "line_1": "10 Glenlake Pkwy NE",
            "line_2": "",
            "city": "Atlanta",
            "postal_code": "30328",
            "state": "GA",
            "country": "US",
            "address_type": "HOME"
        },
        "shipping_phone": {
            "country_code": "1",
            "subscriber_number": "123456789"
        }
    },
    "payer": {
        "reference": "d78f06cf-7ad5-4a60-8507-ab8d5fc40787",
        "email": "james.mason@example.com",
        "date_of_birth": "1993-08-24",
        "billing_address": {
            "line_1": "10 Glenlake Pkwy NE",
            "line_2": "",
            "city": "Atlanta",
            "postal_code": "30328",
            "state": "GA",
            "country": "US"
        },
        "contact_phone": {
            "country_code": "1",
            "subscriber_number": "123456789"
        },
        "documents": [
            {
                "type": "PASSPORT",
                "reference": "123456789",
                "issuer": "US"
            }
        ]
    },
    "notifications": {
        "return_url": "https://www.example.com/returnUrl",
        "cancel_url": "https://www.example.com/cancelUrl",
        "status_url": "https://www.example.com/statusUrl"
    }
}'

Sample Response

{
    "id": "TRN_3TSj7R20hI45oaYHoWsaljY8ZhH4tV",
    "time_created": "2025-11-13T22:22:25.835Z",
    "type": "SALE",
    "status": "INITIATED",
    "channel": "CNP",
    "capture_mode": "LATER",
    "amount": "56700",
    "currency": "GBP",
    "country": "GB",
    "merchant_id": "MER_c5d37eaf0e3841e083c232b2318af55c",
    "merchant_name": "Sandbox_Merchant_4",
    "account_id": "TRA_27c901760029495f813afbb0dab197ef",
    "account_name": "transaction_processing",
    "reference": "25966821",
    "payment_method": {
        "result": "0",
        "message": "REQUEST_SUCCESS",
        "entry_mode": "ECOM",
        "redirect_url": "https://apis.sandbox.globalpay.com/ucp/postback/transactions/TRN_3TSj7R20hI45oaYHoWsaljY8ZhH4tV/redirect/eyJtZXJjaGFudF9tYW5hZ2VtZW50X2lkIjpudWxsLCJtZXJjaGFudF9pZCI6Ik1FUl9jNWQzN2VhZjBlMzg0MWUwODNjMjMyYjIzMThhZjU1YyIsImFjY291bnRfaWQiOiJUUkFfMjdjOTAxNzYwMDI5NDk1ZjgxM2FmYmIwZGFiMTk3ZWYiLCJhcHBfaWQiOiJUNm9nMXRiRUNwSEZlTzEwNHFVTTM4M29xNWJPSjEyciIsIlgtR1AtVmVyc2lvbiI6IjIwMjEtMDMtMjIifQ==",
        "bnpl": {
            "provider": "KLARNA"
        }
    },
    "batch_id": "",
    "action": {
        "id": "ACT_3TSj7R20hI45oaYHoWsaljY8ZhH4tV",
        "type": "INITIATE",
        "time_created": "2025-11-13T22:22:25.835Z",
        "result_code": "SUCCESS",
        "app_id": "T6og1tbECpHFeO104qUM383oq5bOJ12r",
        "app_name": "Postman_Collection_Test"
    }
}

Step 2: Redirect the customer

Once the transaction is initiated, the customer must be redirected to the BNPL checkout flow using the URL returned in the Initiate response to facilitate authorization and authentication. To do this, use a simple JavaScript redirect or HTTP GET (302 redirect).

In our example, we redirect the customer to the URL returned in the field 'payment_method.redirect_url' of the Initiate response using JavaScript.

Sample redirect code

<!DOCTYPE html>
<html>
  <head>
    <title>Sample APM Redirect</title>
    <meta charset="UTF-8">
  </head>

  <body>
    <script>
      window.location = "https://apis.sandbox.globalpay.com/ucp/postback/transactions/TRN_FId92HkAXmgLA7AZr33BNbvZvyYM2K/redirect/eyJtZXJjaGFudF9tYW5hZ2VtZW50X2lkIjpudWxsLCJtZXJjaGFudF9pZCI6Ik1FUl83ZTNlMmM3ZGYzNGY0MjgxOWIzZWRlZTMxMDIyZWUzZiIsImFjY291bnRfaWQiOiJUUkFfYzk5NjdhZDdkOGVjNGI0NmI2ZGQ0NGE2MWNkZTlhOTEiLCJhcHBfaWQiOiI1aDJaRHo0N0RIblNSRkY4RUdTNWdvZElBVWpFWlRNSyIsIlgtR1AtVmVyc2lvbiI6IjIwMjEtMDMtMjIifQ==";
    </script>
  </body>
</html>

Step 3: Handle the redirect and check the status

Once the customer completes the transaction with the BNPL provider, they are redirected back to your app or website based on transaction success/failure using the URLs specified in the Initiate request. The unique transaction identifier is also returned, allowing you to check the status of the payment.

When the customer is redirected back to your app or website, you can provide additional messaging depending on the BNPL provider used. Each BNPL provider has relevant marketing assets available that can be added to your app or webpages to enhance the customer experience.

Sample Return URL parameters

X-GP-Signature=88b9d04eaa711f0f1595c9eb78458c1d23efc483aac419d3b86905de62fb97242f67a413c0e444250fd8c58384b86a90d0030f8fba4b111399551da54ac21f38
id=TRN_hgokzKko3EFJpkL5BVBKoRfiJh6kEJ&payer_reference=TRANS-123
action_type=REDIRECT_FROM
action_id=ACT_0noTmweklBS8W2KENpxMZNqoRcyP0d

Sample URL

https://www.example.com/returnUrl/?X-GP-Signature=88b9d04eaa711f0f1595c9eb78458c1d23efc483aac419d3b86905de62fb97242f67a413c0e444250fd8c58384b86a90d0030f8fba4b111399551da54ac21f38&id=TRN_hgokzKko3EFJpkL5BVBKoRfiJh6kEJ&payer_reference=TRANS-123&action_type=REDIRECT_FROM&action_id=ACT_0noTmweklBS8W2KENpxMZNqoRcyP0d

The ID that is passed as a URL parameter is the TRN_ID and should be used to check the status of the transaction. A status of PREAUTHORIZED indicates that the amount indicated can now be captured by the merchant (see Step 4 - Capture the transaction).

Sample request

curl --location --request GET 'https://https://apis-sandbox.globalpay.com/ucp/transactions/TRN_hgokzKko3EFJpkL5BVBKoRfiJh6kEJ' \
--header 'Content-Type: application/json' \
--header 'X-GP-Version: 2021-03-22' \
--header 'Authorization: Bearer eDgd0njOaUMAtjzn58ABxglxubyP' \
--data-raw ''

Sample response

{
    "id": "TRN_hgokzKko3EFJpkL5BVBKoRfiJh6kEJ",
    "time_created": "2022-03-24T18:37:31.109Z",
    "time_last_updated": "2022-03-24T18:57:35.272Z",
    "status": "PREAUTHORIZED",
    "type": "SALE",
    "merchant_id": "MER_1b64665c7a3e48989e75e6f33af03f7b",
    "merchant_name": "Sandbox_merchant_2",
    "account_id": "TRA_f623dc47576944129029696bf6be41bc",
    "account_name": "Transaction_Processing",
    "channel": "CNP",
    "amount": "55000",
    "merchant_amount": "",
    "partner_amount": "",
    "currency": "USD",
    "reference": "TRANS-123",
    "description": "",
    "order_reference": "",
    "time_created_reference": "",
    "batch_id": "",
    "initiator": "",
    "country": "US",
    "language": "",
    "ip_address": "37.228.242.98",
    "site_reference": "",
    "payment_method": {
        "result": "0",
        "message": "REQUEST_SUCCESS",
        "entry_mode": "ECOM",
        "fingerprint": "",
        "fingerprint_presence_indicator": "",
        "name": "James Mason"
    },
    "action_create_id": "ACT_vxeNsN6B9JKnjiIyz4tvrikc6skGPR",
    "parent_resource_id": "TRN_hgokzKko3EFJpkL5BVBKoRfiJh6kEJ",
    "action": {
        "id": "ACT_ancrTzNwEfEPAztBi2KuIfFxRzweO4",
        "type": "TRANSACTION_SINGLE",
        "time_created": "2022-03-24T18:59:28.779Z",
        "result_code": "SUCCESS",
        "app_id": "gkXGvDH5FPvgUyDw9egbQSrHgu4GJYT0",
        "app_name": "demo_app"
    }
}

Step 4: Capture the transaction

Any transaction that is successfully PREAUTHORIZED can be captured. Depending on if the capture mode is LATER or MULTIPLE, the transaction can be captured once or multiple times, respectively.

Capture mode from payment initiation request	Status TRN_ID after capture
LATER	Original TRN - CAPTURED
MULTIPLE	Original TRN - PREAUTHORIZED New TRNs created for each capture request - CAPTURED

Once the capture is complete, you can display a success message to the customer and update your app or website accordingly. You can also initiate the dispatch of items to the customer.

Once the transaction is captured, you can expect to receive settlement directly from the BNPL provider. Refer to documentation for the individual BNPL provider for settlement timeframes.

At any point in the process, you can call the Transactions endpoint for a status on the transaction and use the Settlement endpoint to check the final status. Settlement data is available via our API after the transaction is settled by the BNPL provider.

Sample request

curl --location --request GET 'https://https://apis.sandbox.globalpay.com/ucp/transactions/TRN_hgokzKko3EFJpkL5BVBKoRfiJh6kEJ/capture' \
--header 'Content-Type: application/json' \
--header 'X-GP-Version: 2021-03-22' \
--header 'Authorization: Bearer eDgd0njOaUMAtjzn58ABxglxubyP'

Sample response

{
    "id": "TRN_hgokzKko3EFJpkL5BVBKoRfiJh6kEJ",
    "time_created": "2022-03-24T18:37:31.109Z",
    "type": "SALE",
    "status": "CAPTURED",
    "amount": "55000",
    "currency": "USD",
    "country": "US",
    "reference": "TRANS-123",
    "payment_method": {
        "result": "0",
        "message": "REQUEST_SUCCESS",
        "bnpl": {
            "provider": "AFFIRM",
            "result": "201 CREATED"
        }
    },
    "batch_id": "",
    "action": {
        "id": "ACT_vxeNsN6B9JKnjiIyz4tvrikc6skGPR",
        "type": "CAPTURE",
        "time_created": "2022-03-24T18:57:35.272Z",
        "result_code": "SUCCESS",
        "app_id": "gkXGvDH5FPvgUyDw9egbQSrHgu4GJYT0",
        "app_name": "GPAPI_Affirm_App"
    }
}

Refunds

To make a refund, follow the steps in our Refund guide or see Transactions in API Explorer.

Remember that for transactions initiated in MULTIPLE capture mode, each capture request generates a new TRN_ID that is returned in the request’s response. To make a refund for a particular capture request, the corresponding TRN_ID needs to be submitted as the id parameter path of the refund request. That is, https://apis.sandbox.globalpay.com/ucp/transactions/{id}/refund replaces {id} with the TRN_ID of the capture request you want to refund.

Sample request

curl --location --request POST 'https://apis.sandbox.globalpay.com/ucp/transactions/TRN_hgokzKko3EFJpkL5BVBKoRfiJh6kEJ/refund' \
--header 'content-type: application/json' \
--header 'X-GP-Version: 2021-03-22' \
--header 'Authorization: eDgd0njOaUMAtjzn58ABxglxubyP' \
--data '{
        "amount": "1199"
    }'

Capture mode from payment initiation request	id parameter path
LATER	Original TRN_ID.
MULTIPLE	TRN_ID returned in the corresponding capture request.

Testing BNPL

Our BNPL solution is available for testing in our free Sandbox environment for registered users of this developer portal. Use our resources below to start testing.

Test Cards

Test different transaction outcomes with simulated cards or banks.

Postman Collection

View, import, or fork our API collection in Postman.

Responses

View successful responses, HTTP status codes, action response data, and errors.

Policies

Connect

Additional Resources

Buy Now Pay Later - Guide

Prerequisites

Step 1: Initiate the payment

Sample request

Sample Response

Step 2: Redirect the customer

Sample redirect code

Step 3: Handle the redirect and check the status

Sample Return URL parameters

Sample URL

Sample request

Sample response

Step 4: Capture the transaction

Sample request

Sample response

Refunds

Sample request

Testing BNPL

Test Cards

Postman Collection

Responses