> ## Documentation Index
> Fetch the complete documentation index at: https://docs.fincode.technology/llms.txt
> Use this file to discover all available pages before exploring further.

# Bank Pay Later (Wallet)

> Notify the system that a customer will pay later via bank transfer. Creates an awaiting payment entry for the given PCN and payable type.

This endpoint allows a user to **mark a payment as ‘I will pay later’**.

It is typically used when a customer cannot pay immediately but wants the payment recorded in the **Awaiting Payments List** for follow-up.

This API is used by dashboards, finance teams, or back-office operations to:

* Record a payment intent without actual funds transfer
* Generate an awaiting payment entry tied to the PCN and payable type
* Allow subsequent operations to track or confirm the payment

## Authentication

<ParamField header="X-Auth-Token" type="string" required>
  Authentication token obtained after login.
</ParamField>

<ParamField header="uuid" type="string" required>
  Device UUID used for request tracking.
</ParamField>

<ParamField header="platform" type="string" required>
  Platform identifier (e.g., "WEB", "ANDROID", "IOS").
</ParamField>

## Path Parameters

<ParamField path="pcn" type="string" required>
  Payment code number (PCN) of the payable item. Minimum length: 3.
</ParamField>

<ParamField path="payableType_String" type="string" required>
  Payable type associated with the PCN. Minimum length: 5. Supported values correspond to the `PayableType` enum.
</ParamField>

## Code Examples

<CodeGroup>
  ```bash cURL theme={null}
  curl --request PUT \
    --url "https://remitjunction.fincode.software/api/v6/services/paymentmanagement/bank-iwillpaylater-wallet/PCN123/TRANSACTION" \
    --header 'Content-Type: application/json' \
    --header 'X-Auth-Token: your_auth_token' \
    --header 'uuid: your_device_uuid' \
    --header 'platform: WEB'
  ```

  ```javascript JavaScript theme={null}
  const response = await fetch(
    "https://remitjunction.fincode.software/api/v6/services/paymentmanagement/bank-iwillpaylater-wallet/PCN123/TRANSACTION",
    {
      method: "PUT",
      headers: {
        "Content-Type": "application/json",
        "X-Auth-Token": authToken,
        "uuid": deviceUuid,
        "platform": "WEB"
      }
    }
  );

  const data = await response.json();
  ```

  ```python Python theme={null}
  import requests

  url = "https://remitjunction.fincode.software/api/v6/services/paymentmanagement/bank-iwillpaylater-wallet/PCN123/TRANSACTION"
  headers = {
      "Content-Type": "application/json",
      "X-Auth-Token": "your_auth_token",
      "uuid": "your_device_uuid",
      "platform": "WEB"
  }

  response = requests.put(url, headers=headers)
  data = response.json()
  ```
</CodeGroup>

## Use Cases

### 1. Mark a Payment as “I Will Pay Later”

```javascript theme={null}
await bankIWillPayLater("PCN123", "TRANSACTION");
```

### 2. Track Payments Awaiting Customer Action

```javascript theme={null}
const response = await bankIWillPayLater("PCN678", "BILL");
console.log(response.data.ref, response.data.payableItemId);
```