Credit conditions

Credit conditions are key to promoting seQura products. While promotional components offer widgets and pop-ups, your shop may need to promote products in situations they don't cover.

seQura's JavaScript library exposes a method to get credit agreement conditions for a given amount across different products.

1. Loading seQura JavaScript library

Include this script in your page header with the required configuration:

<script>
  var sequraConfigParams = {
    merchant: "YOUR_MERCHANT", // Your merchant reference given by seQura.
    assetKey: "YOUR_ASSET_KEY", // Your asset key given by seQura.
    products: ["i1", "pp3"], // List of seQura products that you want to include components.
    scriptUri: "SCRIPT_URI", // seQura Javascript library uri for production or sandbox.
    decimalSeparator: ",", // Decimal separator used in currencies formatting. Optional, default `,`.
    thousandSeparator: ".", // Thousand separator used in currencies formatting. Optional, default `.`.
    locale: "es-ES", // Language and country codes separated by hyphen -. Optional, default `es-ES`.
    currency: "EUR", // Currency code available for chosen locale. Optional, default `EUR`.
  };

  (function(i, s, o, g, r, a, m) {i["SequraConfiguration"] = g;i["SequraOnLoad"] = [];i[r] = {};i[r][a] = function(callback) {i["SequraOnLoad"].push(callback);};(a = s.createElement(o)), (m = s.getElementsByTagName(o)[0]);a.async = 1;a.src = g.scriptUri;m.parentNode.insertBefore(a, m);})(window, document, "script", sequraConfigParams, "Sequra", "onLoad");
</script>

Configuration parameters

Key	Mandatory	Default	Description
merchant	Yes		Your merchant reference given by seQura.
assetKey	Yes		Your asset key given by seQura.
products	Yes		List of products for the components that you want to include in the page.
scriptUri	Yes		seQura Javascript library uri for production or sandbox. Sandbox: https://sandbox.sequracdn.com/assets/sequra-checkout.min.js. Production: https://live.sequracdn.com/assets/sequra-checkout.min.js.
decimalSeparator	No	,	Decimal separator used in all number formating included in the components.
thousandSeparator	No	.	Thousand separator used in all number formating included in the components.
locale	No	es-ES	Locale configuration used for display format settings.
currency	No	EUR	Currency code used for currency format, this should be available for the chosen locale configuration.

2. Getting credit agreement conditions

seQura's JavaScript library exposes Sequra.computeCreditAgreements, which returns available credit agreements for a given amount:

var creditAgreements = Sequra.computeCreditAgreements({
  amount: "15000",
  product: "pp3",
  instalmentCount: 3
});

Since seQura's JavaScript library loads asynchronously, wrap static calls to computeCreditAgreement in Sequra.onLoad:

Sequra.onLoad(function() {
  Sequra.computeCreditAgreements({
    amount: "15000",
    product: "pp3",
    instalmentCount: 3
  });
});

Parameters

Key	Mandatory	Description
amount	Yes	Amount of the purchase or product. Must be in cents, for instance 15,00 € is represented as 1500.
product	No	Product of the credit agreements returned. If not given all products will be returned.
campaign	No	Campaign of the credit agreements returned. If not given all campaign will be returned. Mandatory for pp5 product
instalmentCount	No	Instalment count of the credit agreements returned. If not given all instalment counts options will be returned.

The creditAgreements variable is an object with financing products as keys and credit agreements as values. (Example reformatted for readability.)

Each credit agreement contains product-specific fields. Many include both a numerical value and a formatted string ready for display.

{
  "pp3": [{
    "apr":                      { "value": 6498, "string": "64,98 %" },
    "cost_of_credit_pct":       { "value": 420, "string": "4,20 %" },
    "cost_of_credit":           { "value": 6300, "string": "63,00 €" },
    "default":                  false,
    "down_payment_amount":      { "value": 50000, "string": "500,00 €" },
    "down_payment_fees":        { "value": 2100, "string": "21,00 €" },
    "down_payment_total":       { "value": 52100, "string": "521,00 €" },
    "drawdown_payment_amount":  { "value": 100000, "string": "1000,00 €" },
    "grand_total":              { "value": 156300, "string": "1563,00 €" },
    "instalment_amount":        { "value": 50000, "string": "500,00 €" },
    "instalment_count":         3,
    "instalment_fee":           { "value": 2100, "string": "21,00 €" },
    "instalment_total":         { "value": 52100, "string": "521,00 €" },
    "interest":                 { "value": 0, "string": "0,00 %" },
    "max_amount":               { "value": 300000, "string": "3000,00 €" },
    "max_credit":               { "value": 300000, "string": "3000,00 €" },
    "max_financed_amount":      { "value": 300000, "string": "3000,00 €" },
    "min_amount":               { "value": 5000, "string": "50,00 €" },
    "min_credit":               { "value": 5000, "string": "50,00 €" },
    "over_max_financed_amount": { "value": 0, "string": "0,00 €" },
    "over_max":                 { "value": 0, "string": "0,00 €" },
    "setup_fee":                { "value": 0, "string": "0,00 €" },
    "total_with_tax":           { "value": 150000, "string": "1500,00 €" },
    "product":                  "pp3",
    "available":                true
  }, {
    "instalment_count": 6,
    "product"         : "pp3"
    ... // analogous details as above, but for 6 months credits
  }, {
    "instalment_count": 12,
    "product"         : "pp3"
    ... // analogous details as above, but for 12 months credits
  }],
  "pp5": [{
    "agreed_amount":            { "value": 150000, "string": "1500,00 €" },
    "apr":                      { "value": 240, "string": "2,40 %" },
    "campaign":                 "mayo2017",
    "cost_of_credit_pct":       { "value": 60, "string": "0,60 %" },
    "cost_of_credit":           { "value": 895, "string": "8,95 €" },
    "down_payment_amount":      { "value": 0, "string": "0,00 €" },
    "down_payment_fees":        { "value": 895, "string": "8,95 €" },
    "down_payment_total":       { "value": 895, "string": "8,95 €" },
    "drawdown_payment_amount":  { "value": 150000, "string": "1500,00 €" },
    "due_date":                 { "value": "2018-07-10", "string": "10 de julio" },
    "end_date":                 { "value": "2018-05-29", "string": "29 de mayo" },
    "first_date":               { "value": "2018-01-16", "string": "16 de enero" },
    "grand_total":              { "value": 150895, "string": "1508,95 €" },
    "instalment_count":         1,
    "instalment_fee":           { "value": 0, "string": "0,00 €" },
    "interest":                 { "value": 0, "string": "0,00 %" },
    "last_date":                { "value": "2018-05-29", "string": "29 de mayo" },
    "max_credit":               { "value": 160000, "string": "1600,00 €" },
    "max_financed_amount":      { "value": 160000, "string": "1600,00 €" },
    "min_amount":               { "value": 10000, "string": "100,00 €" },
    "min_credit":               { "value": 10000, "string": "100,00 €" },
    "over_max_financed_amount": { "value": 0, "string": "0,00 €" },
    "product":                  "pp5",
    "setup_fee":                { "value": 895, "string": "8,95 €" },
    "start_date":               { "value": "2018-01-16", "string": "16 de enero" },
    "total_with_tax":           { "value": 150000, "string": "1500,00 €" }
  }],
}