Bank Pay Later (Wallet)

Notify the system that a customer will pay later via bank transfer. Creates an awaiting payment entry for the given PCN and payable type.

This endpoint allows a user to mark a payment as ‘I will pay later’.

It is typically used when a customer cannot pay immediately but wants the payment recorded in the Awaiting Payments List for follow-up.

This API is used by dashboards, finance teams, or back-office operations to:

• Record a payment intent without actual funds transfer
• Generate an awaiting payment entry tied to the PCN and payable type
• Allow subsequent operations to track or confirm the payment

Authentication

X-Auth-Token · string · required

Authentication token obtained after login.

uuid · string · required

Device UUID used for request tracking.

platform · string · required

Platform identifier (e.g., “WEB”, “ANDROID”, “IOS”).

Path Parameters

pcn · string · required

Payment code number (PCN) of the payable item. Minimum length: 3.

payableType_String · string · required

Payable type associated with the PCN. Minimum length: 5. Supported values correspond to the PayableType enum.

Code Examples

cURL

curl --request PUT \
  --url "https://remitjunction.fincode.software/api/v6/services/paymentmanagement/bank-iwillpaylater-wallet/PCN123/TRANSACTION" \
  --header 'Content-Type: application/json' \
  --header 'X-Auth-Token: your_auth_token' \
  --header 'uuid: your_device_uuid' \
  --header 'platform: WEB'

Use Cases

1. Mark a Payment as “I Will Pay Later”

await bankIWillPayLater("PCN123", "TRANSACTION");

2. Track Payments Awaiting Customer Action

const response = await bankIWillPayLater("PCN678", "BILL");
console.log(response.data.ref, response.data.payableItemId);