Cardless Credit API Deprecation Notice
As of early July 2021, Xendit has released a new PayLater endpoint https://api.xendit.co/paylater for our customers to get access to PayLater regionally (Indonesia and the Philippines) via one single endpoint. The new endpoint will enable new features, more partners, and serves requests with consistent data schema across each PayLater channel.
In lieu of this new endpoint, Xendit will be calling for a deprecation of the old Cardless Credit endpoint https://api.xendit.co/cardless-credit.
What does this mean?
In accordance with Xendit’s deprecation policies, Xendit will continue to maintain the old Cardless Credit endpoint for a period of one year starting 1st February 2022 and to end maintenance and service of the old PayLater endpoint on 1st February 2023. Customers who are using direct PayLater API integrations are encouraged to migrate to the new endpoint as soon as possible to prevent any disruptions closer to the old endpoint’s end of service date.
Will my existing service be disrupted?
Existing services will not be disrupted as Xendit will continue to maintain and support the old endpoint up until 1st February 2023. /cardless-credit and /paylater endpoint can also be used in parallel.
However, we recommend moving to the new PayLater endpoint as it covers the existing PayLater channels, (newer PayLater channels like Akulaku and Billease), and will hold the future PayLater Providers we have in line. Newer features will also only be available on the new PayLater endpoint going forward.
What are the changes in the switching of endpoint?
Below is the summary of the difference between two endpoints:
| PayLater | Cardless Credit | |
|---|---|---|
| API endpoint | /paylater | /cardless-credit |
| Channels (Provider) | Kredivo, Akulaku, Billease (more to come) | Kredivo |
| Settlement model | Aggregator (Partner settles to Xendit, you can withdraw balance) | Switcher <b/r>(Partner settles to you directly) |
| Transaction view | Xendit Dashboard | Kredivo Dashboard |
| Roadmap | More partners and features | No further enhancement, for deprecation |
What do I need to do?
Below is the action needed on your end depending on your currently used interface:
| PayLater API | Checkout | Third Party Integration (Woocommerce) | |
|---|---|---|---|
| Settlement model | Fill in the form to switch to aggregator | Fill in the form to switch to aggregator | Fill in the form to switch to aggregator |
| Server key | Xendit will give you a new Kredivo server key | Xendit will give you a new Kredivo server key | Xendit will give you a new Kredivo server key |
| Implementation | Re-implementation to /paylater endpoint | None | Install the new plugin |
| UAT | No need to do Kredivo UAT again if you have passed it before | No need to do Kredivo UAT again if you have passed it before | No need to do Kredivo UAT again if you have passed it before |
| Activation | Ask Xendit Customer Success or Account Manager to be activated in /paylater | Ask Xendit Customer Success or Account Manager to be activated in /paylater | Ask Xendit Customer Success or Account Manager to be activated in /paylater |
For PayLater API, before the end of service date on 1st February 2023, integrate to our new PayLater endpoint by following these steps:
- Refer to our documentation and API Reference to start your integration
- Set your PayLater Callback URL in the Xendit Dashboard for payment notifications
- Integrate to our test mode and sandbox
- Check off these test scenarios
- You are good to go live!
Need help?
And as always, you can contact our Customer Success team at help@xendit.co if you have further questions.