SOLUTION
Apply & Buy - Partner UX
Integrate this Synchrony solution into your existing user interface for an enhanced Apply and Buy Experience.
Our Apply and Buy solution provides partners with integrated APIs to enable easy customer credit applications with real-time financing decisions, point-of sale transaction processing and access to promotional & account information. Streamline the experience to help drive sales, and keep customers engaged.
Functionality
Apply
Credit Card Transactions
Customer Engagement
Merchant Configuration
This solution is great for
Financial products
Private Label Credit Cards
Synchrony Pay Later
Allow shoppers to quickly and easily apply for credit and make a purchase
Customize the interface with branding and flexible features, hosted by you
1
The partner submits the customer's application through Enterprise Multi Product Prequalification (EMPQ) to the Multi Product Prequalification (MPQ) Offers Endpoint. Prequalified offers generated are presented to the customer.
2
The customer then submits their loan agreement or credit application either via a provided link or right on the partner's device. Once completed, the partner receives a webhook notification to access the full loan or credit details.
3
Once the customer selects an offer, the partner accepts it using Offer Acceptance Endpoint and Credit Apply.
4
Finally, the customer completes the authorization. During this process, Credit Card Transactions, Promotions, Account Lookup, and Installment Loan Payments are called to complete the transaction.
Quickscreen
Initiate Quickscreen requests to offer on the spot financing.
Webhook Notifications
Receive Webhook Notifications when an application, purchase or refund is complete.
Merchant Configuration
Retrieve merchant details to facilitate loan processing, configuration and product details.
Application Detail Retrieval
Fetch application detail information.
Prefill Application PDF
For Health & Wellness partners to prefill and deliver application documentation.
Limitations
Loan Acceptance on SYF hosted platform (Digital Apply).
Required APIs
Use these core APIs for your integration
API
Credit Apply
Submit credit applications and receive real-time decisions for Synchrony Private Label, Co-Brand, and Pay Later products.
API
Multi Product Pre-Qualification
Screen customers once to present multiple eligible credit products—credit cards and loans—with instant, personalized offers.
API
Credit Card Transactions
The Credit Card Transactions API enables seamless processing of Synchrony credit card transactions.
API
Promotions - PSCC
Instantly retrieve and activate relevant promotional offers for eligible payments using Payment Solutions and CareCredit cards.
API
Account Search - PSCC
The Synchrony Account Number lookup service will allow CareCredit and Payment Solution Merchants OR Providers to search for a card based on the cardholder information.
API
Installment Loan Payments
The Synchrony Pay Later Loan service will allow merchant to charge/cancel and refund a Installment loan account.
Add Ons
Optional Add Ons to enhance your integration
API
Quickscreen
Provide instant credit preapprovals with minimal customer data and a soft credit check for PLCC, Dual Card, and Co-Brand products.
API
DPOS Transaction Lookup
Retrieve detailed transaction information securely for Digital Apply and Digital Buy submissions using reference IDs.
API
Merchant Configuration
Access merchant-specific product and configuration data to support loan processing and financing eligibility.
API
Prefill Application PDF
This API provides the ability to prefill and deliver a Synchrony Application PDF. A printed and signed Synchrony Application PDF is required to Apply for a Synchrony Credit card instore.