Welcome to the Defacto API documentation
Thank you for your interest in our embedded lending capabilities!
With the integration of Defacto's API you can offer the following use cases:
| Use case | Description |
|---|---|
| Payable financing | Enable buyers on your marketplace or users on your dashboard to pay their invoices later |
| Receivable financing | Enable your sellers or your users to cash-in their receivables right now and offer payment terms to their customers |
| Flexible wallet financing | Access to a wallet to optimise your users' cash flow |
| Card transaction financing | Enable your customers to finance card transactions to offer a credit card solution |
| Buy Now, Pay Later (BNPL) financing | Enable your customers to finance their purchases (in-store and online) |
The Defacto API is RESTful in its architectural style, utilising an API key for Authentication.
Our main drivers is to provide you with a REST API that follows industry standards and provide as clear error messages as possible. So concretely:
- it uses HTTP methods to access resources via URL-encoded parameters
- it uses JSON for request and response bodies
- it respects the HTTP status semantics
- it uses a standard data model for returning errors (see the Errors section)
We are currently not API rate-limiting.
Test our Sandbox!
We provide you with a sandbox environment, where no real money is involved. So that you can test as many scenarios as you want.
In addition, we ease testing by providing test data generators (see Testing) and a mechanism that allows you to simulate errors in our system so you can test your ability to handle errors coming from our API.
Useful links
Production API: api.getdefacto.com
Production Dashboard: app.getdefacto.com
Sandbox API: api-sandbox.getdefacto.com
Sandbox Dashboard: sandbox.app.getdefacto.com