# Axiym PNSL API

Product: PNSL API
API reference version: 2.0.0 (current)
OpenAPI contract: https://docs.axiym.io/openapi/pnsl-api/2.0.0.json
Canonical page: https://docs.axiym.io/pnsl-api/api-reference/2.0.0

PNSL stands for Pay Now, Settle Later. The PNSL API lets a Payment Network request financing for an eligible payment from one of its onboarded clients. Axiym creates the resulting receivable and disburses the financed amount to the Payment Network's configured funding destination; the Payment Network carries out the underlying client payment in its own system. Repayment is attributed automatically from incoming funds, or applied from the Payment Network's own settlement balance. PNSL is a financing and repayment API, not a payment-processing API.

## Downloads




OpenAPI contract

v2.0.0 · current

Explore the schema or generate a client for your integration.

[


Download OpenAPI](/openapi/pnsl-api/2.0.0.json)




Postman collection

v2.0.0 · current

Import ready-to-use requests and connect to the sandbox.

[


Download collection](/postman/pnsl-api/axiym_pnsl_api_v2.0.0.json)

## Environments




Sandbox

[`https://partner-api.sandbox.axiym.io/api/v1`](https://partner-api.sandbox.axiym.io/api/v1)




Production

[`https://partner-api.axiym.io/api/v1`](https://partner-api.axiym.io/api/v1)

## Resources



[Auth](/pnsl-api/api-reference/2.0.0/auth/getAccessToken)

OAuth 2.0 client credentials authentication.







[Onboarding](/pnsl-api/api-reference/2.0.0/onboarding/startOnboarding)

Client onboarding applications and review status. Document intake is handled through Axiym's compliance KYB flow.







[Clients](/pnsl-api/api-reference/2.0.0/clients/ListCompanies)

Approved clients and their profile information.







[Credit Accounts](/pnsl-api/api-reference/2.0.0/credit-accounts/listCreditAccounts)

Credit limits and outstanding balances of your clients.







[Receivables](/pnsl-api/api-reference/2.0.0/receivables/listReceivables)

Client payment funding, repayments, and receivable status.







[Settings](/pnsl-api/api-reference/2.0.0/settings/listPaymentRails)

Reference data used when constructing API requests.







[Webhook Subscriptions](/pnsl-api/api-reference/2.0.0/webhook-subscriptions/listWebhookSubscriptions)

Webhook endpoint registration, testing, and signing-key retrieval.