---
title: "Finance Terms Simulation (Switzerland Only)"
method: POST
path: "/api/checkout/v1/external/credit-finance-terms/"
tags: ["api"]
---

# Finance Terms Simulation (Switzerland Only)

`POST /api/checkout/v1/external/credit-finance-terms/`

An endpoint to give the finance terms for a given credit request.

Note: This endpoint requires a PUBLIC API Key as the bearer token. Do not use a Merchant API Token generated in the usual way.

## Request body

- CreditFinanceTermsRequest
  - `list_price` unknown
  - `amount` string, required — Amount to be financed (excluding residual value).
  - `currency` string, required — ISO 4217 Currency code of the amount to be financed.
  - `terms` integer[], required — A list of terms to retrieve credit finance terms for.
  - `allowed_terms` integer[] — A list of terms to retrieve credit finance terms for.
  - `sku` string — Optional. The SKU of the product
  - `additional_data` object — Optional. Additional data

## Response `200`

- CreditFinanceTermsResponse
  - `finance_terms` CreditFinanceTermsResponseChild[], required
    - `term` integer, required — The term of the finance offer
    - `interest_rate` string, required — Effective interest rate percentage (0 - 100)
    - `initial_payment` string, required — The initial payment amount (in minor units) to be paid at the start of the contract.
    - `initial_payment_percentage` string, required — Initial payment percentage (0 - 100)
    - `interest_amount` string, required — The amount of interest payable over the term
    - `installment_value` string, required — The installment value (in minor units) to be paid over each the term of the contract.
    - `total_payment` string, required — The total payment over the term, including interest and residual value.
    - `currency` string, required — ISO 4217 Currency code of the amount to be financed.
    - `residual_value` string, required — The installment value (in minor units) to be paid over each the term of the contract.

## Other responses

- `400`
- `403`

---

[API](https://skmtc.net/heylight/apis/heidipay-checkout-api.md) · [All operations](https://skmtc.net/heylight/apis/heidipay-checkout-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/heylight/heidipay-checkout-api/revisions/c51570cfc888/schema)