Kredivo API Integration Services & Open Finance Solutions

Delivery List

• API specifications (OpenAPI / Swagger) and sample requests/responses
• Protocol and authorization flow analysis (sessions, signatures, risk control chain)
• Merchant checkout, installment calculations, repayment plans and reconciliation runnable source code (Node.js / Python)
• End-to-end test scripts, simulators and API documentation
• Compliance recommendations (consumer lending compliance, data minimization, log retention policies)

Interface Example (Pseudo-code)

// Example: Create installment order (pseudo-code)
POST /api/v1/kredivo/checkout
Content-Type: application/json
Authorization: Bearer <MERCHANT_TOKEN>

{
  'merchant_order_id': 'ORD-20251019-001',
  'amount': 4000000,         // IDR example: 4,000,000
  'currency': 'IDR',
  'installment_months': 12,  // supports 1,3,6,9,12,18,24
  'customer': {
    'user_id': 'user-123',
    'email_hash': '...'
  }
}

Response: {
  'status':'approved',
  'plan':{
    'monthly_payment': 412950,
    'total_payable': 4955400,
    'monthly_rate': 0.0199
  },
  'transaction_ref': 'KDV-REF-xyz'
}

Key Integration Scenarios

Online merchant checkout (2-click), installment rate calculation, loan application flow, limit management, disbursement callbacks, reconciliation and refunds. Support simulate interest-free (next month) and monthly interest model.

Core Benefits

• Rapid BNPL deployment to boost conversions and cart size
• Custom interest rates and installment strategies to fit local regulations and merchant needs
• Auditable risk controls and decision trails for compliance checks
• Deliver runnable SDKs and sample code to accelerate integration testing

Compliance & Privacy

All work is performed under client authorization or using public/licensed APIs. We provide data minimization guidance, user consent templates, and compliance deliverables to support regulatory submissions.

About Our Studio

We are a technical services team focused on app protocol analysis and authorized API integration. Core members bring years of experience in mobile payments, installment finance, risk management, and cloud delivery, serving global clients with end-to-end API implementation and documentation.

• Supports Android / iOS protocol analysis and OpenAPI refactoring
• Provides compliant auditable implementations and automated testing scripts
• Delivers Node.js / Python / Go SDKs and OpenAPI documentation
• Transparent pricing: starting at $300, with post-delivery payment options

How to Get Started

Just provide the target app name (Kredivo is provided) and your required integration scenarios (e.g., merchant checkout, installment calculation, personal loan). After initial confirmation, we will provide an assessment and quote.

Go to Contact

Collaboration Process & Delivery Timeline

1. Requirements confirmation: define scenarios (BNPL, merchant onboarding, personal loans, etc.)
2. Protocol and authorization analysis (2-6 business days, depending on complexity)
3. Development and internal testing (3-10 business days)
4. Delivery of documentation, examples and test cases (1-3 business days)
5. Typical first delivery cycle: 5-18 business days; complex scenarios or third-party approvals may extend timelines

FAQ

What information do you need from us?

Does the deliverable include legal/compliance recommendations?