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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:

PayLaterCardless Credit
API endpoint/paylater/cardless-credit
Channels (Provider)Kredivo, Akulaku, Billease
(more to come)
Kredivo
Settlement modelAggregator
(Partner settles to Xendit, you can withdraw balance)
Switcher <b/r>(Partner settles to you directly)
Transaction viewXendit DashboardKredivo Dashboard
RoadmapMore partners and featuresNo 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 APICheckoutThird Party Integration
(Woocommerce)
Settlement modelFill in the form to switch to aggregatorFill in the form to switch to aggregatorFill in the form to switch to aggregator
Server keyXendit will give you a new Kredivo server keyXendit will give you a new Kredivo server keyXendit will give you a new Kredivo server key
ImplementationRe-implementation to /paylater endpointNoneInstall the new plugin
UATNo need to do Kredivo UAT again if you have passed it beforeNo need to do Kredivo UAT again if you have passed it beforeNo need to do Kredivo UAT again if you have passed it before
ActivationAsk Xendit Customer Success or Account Manager to be activated in /paylaterAsk Xendit Customer Success or Account Manager to be activated in /paylaterAsk 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:

  1. Refer to our documentation and API Reference to start your integration
  2. Set your PayLater Callback URL in the Xendit Dashboard for payment notifications
  3. Integrate to our test mode and sandbox
  4. Check off these test scenarios
  5. 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.

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