Pepper Money - Asset Finance Originations API icon

Pepper Money - Asset Finance Originations API

3.0.x
(1 review)

API Type

Experience API

Overview

Pepper has provided an API capability on our origination system which allows you to use the data you already hold about your customer, asset and finance application to populate a draft application in our system for your Novated Lease or consumer loan Application.

Once the draft application is successfully received through the API the application becomes available on our system for your sales/ admin team to review, update and submit for credit assessment. After the initial load of data, you cannot update that application through the API, it must be done in our system.

If you don't have all of the information in your system to meet our mandatory data requirements for credit submission that is no problem, the majority of the fields in the API are optional so you can send through what you have and then add the rest of the information directly on screen after you log in.

You can also use our API to upload supporting document for your application. Documents can be uploaded at any time through the application lifecycle except for settled applications.

There are a few things we need to work on together before you start your application load:

  • You will need a client ID and Secret (password) which allows your system to connect to our API. A separate set of credentials would be provided for testing and production.
  • Your ‘Merchant ID’ – which is our code identifying your firm in our system. If you have more than one firm in your structure in our system, we will give you an ID for each and then you will need to send the appropriate Merchant ID for each deal depending on where you want to write that application.
  • Loan Writer – this is your broker/ salesperson who owns the application you are submitting. You will pass in their email address into the Loan Writer field but we need to ensure all emails which will be sent to us here are set up as users within our system first.
  • IP Whitelist – In order to submit your applications to our production environment we need to white list your IP addresses to allow your request to come through our security layer.

Supported Protocols

  • HTTPS

Accepts

  • application/json
  • multipart/form-data

Responds With

  • application/json

Authentication

  • Basic Authentication with username & password requested from Exchange

Endpoint Quick Reference

/v3/applications/novated

  • POST: Create Novated lease draft application or submit Novated lease application to credit.

/v3/applications/consumer

  • POST: Create Consumer loan draft application or submit Consumer loan application to credit.

/v3/applications/supportingDocuments

  • PUT: Upload supporting documents to the application.

/v3/applications/requiredDocuments

  • GET: Get list of required documents for already created application.

/v3/applications/generateDocuments

  • POST: Generate documents for an existing application.

/v3/applications/supplierSearch

  • GET: Search existing Suppliers in Solana.

/v3/applications/initiateSettlement

  • POST: Initiate settlement process of existing application.

/v3/applications/commercial

  • POST: Create Commercial loan draft application or submit Commercial loan application to credit.

/v3/applications/creditDocReview

  • POST: Initiates credit document review process of existing application.

/v3/applications/eSignRequest

  • POST: Initiates e-sign request for an existing application.

/v3/applications/serviceabilityCheck

  • POST: Initiates look up of the application net surplus for any consumer loan or novated lease application

/api/v3/applications/pricingPlan

  • POST: Initiate look up of the pricing i.e. rate/repayment/commission for any application regardless of product.

/api/v3/applications/biometricsRequest

  • POST: Initiate the generation of a biometrics request for a specific application via an API call.

  • NOTE: For ID Verification, application needs to submit to credit first.

/api/v3/applications/insurerSearch

  • GET: Initiate look up of the existing accredited Insurer list from Solana by the Insurance product.

Status Response Codes

  • 200: OK
  • 400: INVALID_REQUEST - Check whether your request body or request headers align to the specification.
  • 401: Unauthorized - Check whether your credentials are correct.
  • 404: HTTP_NOT_FOUND - Check if you have correct resource URI.
  • 405: METHOD_NOT_ALLOWED - Check if you have valid methods for the resource.
  • 406: NOT_ACCEPTABLE - Check the expected response & verify with actual API response (Accept, Accept-Charset, Accept-Encoding, Accept-Language).
  • 415: UNSUPPORTED_MEDIA_TYPE - Check if you are sending proper JSON body with correct Content-Type.
  • 500: Unexpected Server Error - If this issue persists, contact support for troubleshooting.
  • 503: Service Unavailable - Server is handling too many requests at this moment. try again later or reach out to support if the issue persists.
  • 504: Gateway Timeout - There might be a problem with the load-balancer, reach out to support if the issue persists.

Contact

Asset Finance - dl-paforiginations@pepper.com.au
For any concerns please contact technicalsupport@pepper.com.au

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