Samples
- 18 Feb 2025
- 14 Minutes to read
- DarkLight
Samples
- Updated on 18 Feb 2025
- 14 Minutes to read
- DarkLight
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Request Sample - Travel
This is an example of presenting Flex Pay offers to a borrower who is looking to purchase a round-trip flight.
Click to view Travel Request JSON
{ "integrationId": "UP-70369275-1", "orders": [ { "addOns": [], "channel": "WEB", "localization": { "country": "US", "currency": "USD", "locale": "en-US" }, "orderCategory": "TOTAL", "price": "1064.10", "orderItems": [ { "air": { "airlineName": "SY", "insurance": [], "itinerary": [ { "fareClass": "Economy", "carrierCode": "SY", "departureApc": "AUS", "arrivalApc": "CUN", "departureDate": "{{departure_date}}", "arrivalDate": "{{return_date}}" }, { "fareClass": "Economy", "carrierCode": "SY", "departureApc": "CUN", "arrivalApc": "AUS", "departureDate": "{{departure_date}}", "arrivalDate": "{{return_date}}" } ], "tripType": "ROUNDTRIP" } } ] } ] }
Response Sample - Travel
Click to view Travel Response JSON
{
"integrationId": "UP-123456789-1",
"orders": [
{
"localization": {
"country": "US",
"currency": "USD",
"locale": "en-US"
},
"orderCategory": "TOTAL",
"orderItems": [
{
"air": {
"itinerary": [
{
"arrivalApc": "CUN",
"departureApc": "AUS",
"departureDate": "2025-03-20",
"arrivalDate": "2025-03-30",
"carrierCode": "SY",
"fareClass": "Economy"
},
{
"arrivalApc": "AUS",
"departureApc": "CUN",
"departureDate": "2025-03-20",
"arrivalDate": "2025-03-30",
"carrierCode": "SY",
"fareClass": "Economy"
}
],
"airlineName": "SY",
"insurance": [],
"tripType": "ROUNDTRIP"
}
}
],
"price": "1064.10",
"addOns": [],
"channel": "WEB",
"externalId": "b63f2757-4709-4cc7-ae3f-9f63f841d78d",
"offers": [
{
"apr": "0.1499",
"downPayment": "112.45",
"financeCharges": "60.42",
"grandTotal": "1124.50",
"maxApr": "0.36",
"minApr": "0.07",
"minFilterAmount": "49.00",
"monthlyPayment": "112.45",
"numberOfPayments": "9",
"originationFee": "0.00",
"price": "1064.08",
"principal": "951.63",
"promos": [
"ZERO_DOWN_VARIABLE"
],
"totalPayments": "1012.05",
"marketingContent": [
{
"configuredSubheader": "",
"disclaimer": "*Payment plans through Flex Pay feature repayment terms of 3-18 months and annual percentage rates (APRs) of 8%-36%. Down payment may be required. Well qualified applicants may be eligible for $0 down payment. Based on a purchase price of $1,064.08 you could pay just $112.45 today, followed by 9 monthly payments of $112.45 at 15% APR. Minimum $49 purchase required. Actual terms are based on your credit score and other factors and may vary. Not everyone is eligible. Loans made through Flex Pay by Upgrade are offered by these lending partners: [upgrade.com/flex-pay/lenders](https://www.upgrade.com/flex-pay/lenders).",
"faqs": {
"header": "Frequently Asked Questions",
"open": "FAQ",
"back": "Back",
"items": [
{
"questions": [
{
"body": "Flex Pay, formerly known as Uplift, gives you the freedom to purchase what you want now and pay over time with simple fixed installments. Some plans include interest while some are interest-free.\n\nWhen you’re ready to check out, just select **Flex Pay** as your payment method, complete a short application, and receive a quick decision. Choose the terms of your payment plan, finish checking out, and enjoy your purchase. Then, pay over time with simple, no-surprise monthly payments.",
"index": "0",
"title": "What is Flex Pay??"
},
{
"body": "Yes, all loans through Flex Pay are installment loans, which means you repay the loan over time with a set number of scheduled payments. Some plans include interest while some are interest-free. Your payments are the same amount over the life of the loan and you can pay off your loan at any time without paying a penalty or fee.",
"index": "1",
"title": "Is this an installment loan?"
},
{
"body": "With some merchants, you can use Flex Pay to purchase travel on behalf of someone else. A travel provider who has enabled this feature will be indicated with a dropdown option for “new applicant” during the application process.",
"index": "2",
"title": "Can I finance travel on behalf of someone else?"
},
{
"body": "Yes! You do need to allow a few days between booking and your departure date for things to process. Other than that, you are free to travel whenever - even before you're all paid off.",
"index": "3",
"title": "I purchased a trip using Flex Pay, can I travel before it's paid off?"
},
{
"body": "Contact the merchant directly to return your purchase. If your return is accepted, the merchant will send us the refund and we will apply the amount of your refund to the balance of your loan. If you receive a credit rather than a refund or are charged a cancellation fee, you will still be responsible for the outstanding balance. If the refunded amount is more than your outstanding balance, we refund that money to you.",
"index": "4",
"title": "How do I cancel/return my purchase?"
}
],
"title": "General",
"type": "GENERAL"
},
{
"questions": [
{
"body": "We look at a number of factors, including your credit information, purchase details, and more.",
"index": "0",
"title": "How are my loan term offers determined?"
},
{
"body": "Yes, you can make additional payments to pay down your balance or pay off your purchase in full. You can pay off your loan at any time without paying a penalty or fee. \n\nMaking additional payments won't change your monthly payment amount, but it will pay off your loan sooner and decrease the total amount of interest you pay over the life of your loan.",
"index": "1",
"title": "Can I make additional payments?"
},
{
"body": "Payments are due monthly. Your due date is available in your account at upgrade.com/pay. We'll also send you emails and text messages to remind you.",
"index": "2",
"title": "When are my payments due?"
},
{
"body": "Customers from the United States can pay by either bank account, debit card, or check. If paying by check, please make your check payable to Flex Pay, and send it to our U.S. office address: \n\nFlex Pay\n℅ Upgrade, Inc. \n2 N Central Ave., 10th Floor \nPhoenix, Arizona 85004",
"index": "3",
"title": "What are my payment method options?"
},
{
"body": "You can make a payment anytime by visiting upgrade.com/pay and clicking on the Loans tab. From there, click the Make a Payment button. \n\nWe recommend that you enable AutoPay at time of purchase so that your payments are automatically deducted each month. \n\nIf you don’t have AutoPay enabled, visit upgrade.com/pay, click on the Accounts page, and set the AutoPay toggle to ON. \n\nYou can also change the form of payment on file with Flex Pay anytime by visiting upgrade.com/pay.",
"index": "4",
"title": "How do I make installment payments?"
}
],
"title": "Payments & Installments",
"type": "PAYMENTS"
}
]
},
"header": "Just select **Flex Pay** at checkout to pay over time, from **$112.45/mo***.",
"locale": "en-US",
"steps": [
{
"body": "Choose **Flex Pay** as your payment method at checkout",
"index": "0",
"icon": "upgrade"
},
{
"body": "Enter a few pieces of information and select your payment plan",
"index": "1",
"icon": "calendar"
},
{
"body": "Enjoy your purchase and make surprise-free monthly payments",
"index": "2",
"icon": "credit_score"
}
],
"subheader": "Book Now. Pay over time. Pay **as little as $0 today!***"
}
]
}
]
}
]
}
Request Sample - Non-Travel
Here's an example that you could use for non-travel, like for Retail purchases.
Click to view Non-Travel Request JSON
{
"integrationId": "UP-xxxxxxxxxx-xx",
"orders": [
{
"channel": "APP",
"localization": {
"country": "US",
"currency": "USD",
"locale": "en-US"
},
"orderCategory": "TOTAL",
"price": "3000",
"orderItems": [
{
"orderLine": {
"quantityUnit": "unit",
"name": "retail item",
"quantity": "1"
}
}
]
},
{
"externalId": "a_62f_2e_43_7d_0d_22_0_927a_92e_2541e_2525",
"channel": "APP",
"localization": {
"country": "US",
"currency": "USD",
"locale": "en-US"
},
"orderCategory": "TOTAL",
"price": "3000",
"orderItems": [
{
"orderLine": {
"quantityUnit": "unit",
"name": "retail item",
"quantity": "1"
}
}
]
}
]
}
Response Sample - Non-Travel
Click to view Non-Travel Response JSON
{
"integrationId": "UP-54395990-1",
"orders": [
{
"localization": {
"country": "US",
"currency": "USD",
"locale": "en-US"
},
"orderCategory": "TOTAL",
"orderItems": [
{
"orderLine": {
"name": "retail item",
"quantity": "1",
"quantityUnit": "unit"
}
}
],
"price": "3000",
"channel": "APP",
"externalId": "7e7ad9dc-050e-465a-84e6-699763dd6e1d",
"offers": [
{
"apr": "0.15",
"downPayment": "138.73",
"financeCharges": "468.25",
"grandTotal": "3468.25",
"maxApr": "0.36",
"minApr": "0.0",
"minFilterAmount": "100.00",
"monthlyPayment": "138.73",
"numberOfPayments": "24",
"originationFee": "0.00",
"price": "3000.00",
"principal": "2861.27",
"promos": [
"ZERO_DOWN_VARIABLE",
"ZERO_PERCENT_VARIABLE"
],
"totalPayments": "3329.52",
"marketingContent": [
{
"configuredSubheader": "",
"disclaimer": "*Payment plans through Flex Pay feature repayment terms of 3-24 months and annual percentage rates (APRs) of 0%-36%. Well qualified applicants may be eligible for 0% APR. Down payment may be required. Well qualified applicants may be eligible for $0 down payment. Based on a purchase price of $3,000.00 you could pay just $138.73 today, followed by 24 monthly payments of $138.73 at 15% APR. Minimum $100 purchase required. Actual terms are based on your credit score and other factors and may vary. Not everyone is eligible. Loans made through Flex Pay by Upgrade are offered by these lending partners: [upgrade.com/flex-pay/lenders](https://www.upgrade.com/flex-pay/lenders).",
"faqs": {
"header": "Frequently Asked Questions",
"open": "FAQ",
"back": "Back",
"items": [
{
"questions": [
{
"body": "Flex Pay, formerly known as Uplift, gives you the freedom to purchase what you want now and pay over time with simple fixed installments. Some plans include interest while some are interest-free.
When you’re ready to check out, just select **Flex Pay** as your payment method, complete a short application, and receive a quick decision. Choose the terms of your payment plan, finish checking out, and enjoy your purchase. Then, pay over time with simple, no-surprise monthly payments.",
"index": "0",
"title": "What is Flex Pay?"
},
{
"body": "Yes, all loans through Flex Pay are installment loans, which means you repay the loan over time with a set number of scheduled payments. Some plans include interest while some are interest-free. Your payments are the same amount over the life of the loan and you can pay off your loan at any time without paying a penalty or fee.",
"index": "1",
"title": "Is this an installment loan?"
},
{
"body": "Yes! As soon as the merchant has processed your purchase, it will be delivered to you, even before you finish making your loan payments.",
"index": "2",
"title": "Can I receive my items before paying off my purchase?"
},
{
"body": "Contact the merchant directly to return your purchase. If your return is accepted, the merchant will send us the refund and we will apply the amount of your refund to the balance of your loan. If you receive a credit rather than a refund or are charged a cancellation fee, you will still be responsible for the outstanding balance. If the refunded amount is more than your outstanding balance, we refund that money to you.",
"index": "3",
"title": "How do I cancel/return my purchase? "
}
],
"title": "General",
"type": "GENERAL"
},
{
"questions": [
{
"body": "We look at a number of factors, including your credit information, purchase details, and more.",
"index": "0",
"title": "How are my loan term offers determined?"
},
{
"body": "Yes, you can make additional payments to pay down your balance or pay off your purchase in full. You can pay off your loan at any time without paying a penalty or fee. \n\nMaking additional payments won't change your monthly payment amount, but it will pay off your loan sooner and decrease the total amount of interest you pay over the life of your loan.",
"index": "1",
"title": "Can I make additional payments?"
},
{
"body": "Payments are due monthly. Your due date is available in your account at upgrade.com/pay. We'll also send you emails and text messages to remind you.",
"index": "2",
"title": "When are my payments due?"
},
{
"body": "Customers from the United States can pay by either bank account, debit card, or check. If paying by check, please make your check payable to Flex Pay, and send it to our U.S. office address: \n\nFlex Pay\n℅ Upgrade, Inc. \n2 N Central Ave., 10th Floor \nPhoenix, Arizona 85004",
"index": "3",
"title": "What are my payment method options?"
},
{
"body": "You can make a payment anytime by visiting upgrade.com/pay and clicking on the Loans tab. From there, click the Make a Payment button. \n\nWe recommend that you enable AutoPay at time of purchase so that your payments are automatically deducted each month. \n\nIf you don’t have AutoPay enabled, visit upgrade.com/pay, click on the Accounts page, and set the AutoPay toggle to ON. \n\nYou can also change the form of payment on file with Flex Pay anytime by visiting upgrade.com/pay.",
"index": "4",
"title": "How do I make installment payments?"
}
],
"title": "Payments & Installments",
"type": "PAYMENTS"
}
]
},
"header": "Just select **Flex Pay** at checkout to pay over time, from **$138.73/mo***.",
"locale": "en-US",
"steps": [
{
"body": "Choose **Flex Pay** as your payment method at checkout",
"index": "0",
"icon": "upgrade"
},
{
"body": "Enter a few pieces of information and select your payment plan",
"index": "1",
"icon": "calendar"
},
{
"body": "Enjoy your purchase and make surprise-free monthly payments",
"index": "2",
"icon": "credit_score"
}
],
"subheader": "Buy now. Pay over time. Pay **as little as $0 today!** **Interest-free payments** may be available!*"
}
]
}
]
},
{
"localization": {
"country": "US",
"currency": "USD",
"locale": "en-US"
},
"orderCategory": "TOTAL",
"orderItems": [
{
"orderLine": {
"name": "retail item",
"quantity": "1",
"quantityUnit": "unit"
}
}
],
"price": "3000",
"channel": "APP",
"externalId": "e_62f_2e_43_7d_0d_45c_0_927a_92e_2541e_880d",
"offers": [
{
"apr": "0.15",
"downPayment": "138.73",
"financeCharges": "468.25",
"grandTotal": "3468.25",
"maxApr": "0.36",
"minApr": "0.0",
"minFilterAmount": "100.00",
"monthlyPayment": "138.73",
"numberOfPayments": "24",
"originationFee": "0.00",
"price": "3000.00",
"principal": "2861.27",
"promos": [
"ZERO_DOWN_VARIABLE",
"ZERO_PERCENT_VARIABLE"
],
"totalPayments": "3329.52",
"marketingContent": [
{
"configuredSubheader": "",
"disclaimer": "*Payment plans through Flex Pay feature repayment terms of 3-24 months and annual percentage rates (APRs) of 0%-36%. Well qualified applicants may be eligible for 0% APR. Down payment may be required. Well qualified applicants may be eligible for $0 down payment. Based on a purchase price of $3,000.00 you could pay just $138.73 today, followed by 24 monthly payments of $138.73 at 15% APR. Minimum $100 purchase required. Actual terms are based on your credit score and other factors and may vary. Not everyone is eligible. Loans made through Flex Pay by Upgrade are offered by these lending partners: [upgrade.com/flex-pay/lenders](https://www.upgrade.com/flex-pay/lenders).",
"faqs": {
"header": "Frequently Asked Questions",
"open": "FAQ",
"back": "Back",
"items": [
{
"questions": [
{
"body": "Flex Pay, formerly known as Uplift, gives you the freedom to purchase what you want now and pay over time with simple fixed installments. Some plans include interest while some are interest-free.
When you’re ready to check out, just select **Flex Pay** as your payment method, complete a short application, and receive a quick decision. Choose the terms of your payment plan, finish checking out, and enjoy your purchase. Then, pay over time with simple, no-surprise monthly payments.",
"index": "0",
"title": "What is Flex Pay?"
},
{
"body": "Yes, all loans through Flex Pay are installment loans, which means you repay the loan over time with a set number of scheduled payments. Some plans include interest while some are interest-free. Your payments are the same amount over the life of the loan and you can pay off your loan at any time without paying a penalty or fee.",
"index": "1",
"title": "Is this an installment loan?"
},
{
"body": "Yes! As soon as the merchant has processed your purchase, it will be delivered to you, even before you finish making your loan payments.",
"index": "2",
"title": "Can I receive my items before paying off my purchase?"
},
{
"body": "Contact the merchant directly to return your purchase. If your return is accepted, the merchant will send us the refund and we will apply the amount of your refund to the balance of your loan. If you receive a credit rather than a refund or are charged a cancellation fee, you will still be responsible for the outstanding balance. If the refunded amount is more than your outstanding balance, we refund that money to you.",
"index": "3",
"title": "How do I cancel/return my purchase? "
}
],
"title": "General",
"type": "GENERAL"
},
{
"questions": [
{
"body": "We look at a number of factors, including your credit information, purchase details, and more.",
"index": "0",
"title": "How are my loan term offers determined?"
},
{
"body": "Yes, you can make additional payments to pay down your balance or pay off your purchase in full. You can pay off your loan at any time without paying a penalty or fee. \n\nMaking additional payments won't change your monthly payment amount, but it will pay off your loan sooner and decrease the total amount of interest you pay over the life of your loan.",
"index": "1",
"title": "Can I make additional payments?"
},
{
"body": "Payments are due monthly. Your due date is available in your account at upgrade.com/pay. We'll also send you emails and text messages to remind you.",
"index": "2",
"title": "When are my payments due?"
},
{
"body": "Customers from the United States can pay by either bank account, debit card, or check. If paying by check, please make your check payable to Flex Pay, and send it to our U.S. office address: \n\nFlex Pay\n℅ Upgrade, Inc. \n2 N Central Ave., 10th Floor \nPhoenix, Arizona 85004",
"index": "3",
"title": "What are my payment method options?"
},
{
"body": "You can make a payment anytime by visiting upgrade.com/pay and clicking on the Loans tab. From there, click the Make a Payment button. \n\nWe recommend that you enable AutoPay at time of purchase so that your payments are automatically deducted each month. \n\nIf you don’t have AutoPay enabled, visit upgrade.com/pay, click on the Accounts page, and set the AutoPay toggle to ON. \n\nYou can also change the form of payment on file with Flex Pay anytime by visiting upgrade.com/pay.",
"index": "4",
"title": "How do I make installment payments?"
}
],
"title": "Payments & Installments",
"type": "PAYMENTS"
}
]
},
"header": "Just select **Flex Pay** at checkout to pay over time, from **$138.73/mo***.",
"locale": "en-US",
"steps": [
{
"body": "Choose **Flex Pay** as your payment method at checkout",
"index": "0",
"icon": "upgrade"
},
{
"body": "Enter a few pieces of information and select your payment plan",
"index": "1",
"icon": "calendar"
},
{
"body": "Enjoy your purchase and make surprise-free monthly payments",
"index": "2",
"icon": "credit_score"
}
],
"subheader": "Buy now. Pay over time. Pay **as little as $0 today!** **Interest-free payments** may be available!*"
}
]
}
]
}
]
}
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