Variations of the Checkout Flow

There are two variations of the Checkout flow:

• Apply and Buy Now
  Checkout is a single flow that is comprised of two steps:
  1. Apply for funding and get approved offers.
  2. Buy the merchandise using the selected approved offer.
• Apply and Buy Later
  The Apply sub-flow is completed and later after approval, the session is resumed and the Checkout flow is completed:
  1. Apply for funding.
  2. Receive offers, resume the application, and buy the merchandise using the selected approved offer.

These variations of the Checkout flow are detailed below.

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The application step may include a prequalification offer before the full offer.

Prequalification: The prequalification request is based on consumer-submitted data that does not affect the consumer credit history. The lender executes a credit check based solely on the information provided to the lender. The lender may conditionally accept or decline the request. If the lender conditionally accepts the request, it provides an estimation of the funding that will be provided to the consumer. Prequalification is a tool to encourage the consumer to continue the flow.

Full Offer: The full offer request aims to get a final financing approval. The consumer is requested to provide detailed information and sign the terms and conditions. Once the offer is accepted, the consumer can buy the merchandise with the financing.

Apply and Buy Now (SDK Only)

A typical Checkout flow (in which the consumer both applies and buys) starts when the consumer finishes building the cart by clicking Checkout. It proceeds as follows:

1. The SDK is opened and the flowType is Checkout.
2. A sequence of screens is completed via the SDK to complete the Checkout flow.

Apply and Buy Later

In a hybrid integration, Apply and Buy Later typically proceeds as follows:

1. The Apply sub-flow of Apply and Buy Later varies depending on if only the SDK is used or if a hybrid integration of APIs and the SDK is used. For the steps of the Apply sub-flow, see here.
   After the Apply sub-flow, the Checkout portion of Apply and Buy Later typically continues as follows:

2. The SDK is opened and the flowType is Checkout.

3. A sequence of screens is completed via the SDK to complete the Checkout flow.

OR

2. The POST /v2/accounts/charge endpoint is called to create a charge.