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General FAQ

Last updated 01/12/2022

PayLater Transactions

  1. What happens later when my customer pays in installment?

    • After the transaction on your store is done, the installments will only happen between your customer and the PayLater Provider

    • The Provider will settle the full amount upfront, regardless of the plans your customers choose

    • Xendit and you will not be involved anymore in the customer repayment

  2. How do I increase my payment success rate?

    • We recommend you display the available installment plans for end-customers to decide the Provider for the payment completion

    • It is also advised to put customer educational content in your store to increase their payment success rate

  3. How do I know when the PayLater transaction is a success?

    • There are many ways to know:

      • Xendit Dashboard - Transactions : Successful PayLater transactions will be shown on Transactions

      • Xendit Dashboard - Invoice: If you are using XenInvoice, you can also check the status in the Invoice tab on the Xendit

        Dashboard. The details will reflect the information if the invoice was paid using PayLater

      • Callback/webhook: If you are using PayLater API, we will send you a callback/webhook to the Callback URL you have set on the Xendit Dashboard

PayLater Providers and End-Customers

  1. What's the average processing time for installment approval in your Partners?

    • As long as your customer has an active and enough credit limit in the PayLater Provider’s platform, the installment approval will be done instantly during the checkout process

  2. What if my customer doesn’t have enough credit limit in the PayLater provider?

    • Most likely the transaction will fail. However, if your customer increases their credit limit by completing their previous debts in the PayLater provider, they can try paying again as long as the Checkout URL has not been expired yet

    • In some cases, our Partner will prompt the end-customer to pay a downpayment and the rest will be available via installment

  3. What if my customer doesn’t have an account in the PayLater provider?

    • By clicking on the checkout URL, our PayLater provider will prompt the customer to log in or sign up to their PayLater account

    • If they don’t have an account, they can easily sign up online and get a credit limit in their instant activation

  4. Do we need customers to input their personal data?

    • Yes, we will relay the customer detailed information to our PayLater partner as it is a requirement on their end for the credit score and risk

    • However, you can save the customer details and use it for another transactions, be it for PayLater, or another payment methods in Xendit

API Integration

  1. Why am I getting INVALID_CUSTOMER_ID during Initiate PayLater Plans even though I have created the customer in advance?
    • There is a high chance that in the customer you have created during Create Customer, you did not include the required parameters inside the customer_id
    • This is because PayLater transactions require more details about customers’ data for the Provider’s credit risks.
    • So, even though the initial step (create customer), you already succeeded without some of those details, you will still get the error in initiate plans if it’s tied to a PayLater transactions.
    • Please edit or make a new customer for the PayLater transaction. You can find the list required parameters here.