BNPL Flow

How Green Banana Group’s bnplx.io platform connects merchants with BNPL providers to deliver seamless payment experiences.

How BNPL Flow Works

Merchant Initiates Payment
Merchant calls our bnplx.io API with payment details. We process and store the payment information, then build the appropriate request body for the selected BNPL provider.
BNPL Provider Processing
We call the BNPL provider with the formatted request. The provider evaluates customer creditworthiness and processes the payment.
Customer Action Handling
If the payment requires customer action (requires_customer_action state), the customer is redirected to the BNPL provider’s page to complete additional information or verification steps.
Payment State Management
Based on customer actions and provider evaluation, the payment either succeeds and moves to requires_capture state, or fails.
Merchant Capture
When payment is in requires_capture state, the merchant can capture the payment anytime through our API, which in turn captures with the BNPL provider.

State	Description
Succeeded	payment has succeeded
Failed	payment has failed
Cancelled	payment has been cancelled
Processing	payment is still being processed
RequiresCustomerAction	payment is waiting on some action from the customer
RequiresMerchantAction	payment is waiting on some action from the merchant
RequiresPaymentMethod	payment is waiting to be confirmed with the payment method by the customer
RequiresConfirmation	payment has to be confirmed
RequiresCapture	payment has been authorized, waiting to be captured
PartiallyCaptured	payment has been captured partially and remaining amount cannot be captured
PartiallyCapturedAndCapturable	payment has been captured partially and the remaining amount is capturable

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For Your Business: