This section lists the fields and formats required in the NewBusiness request.

The NewBusiness conversation is generic in that it permits the processing of new applications and renewals for PersonalLine and CommercialLine application types.

This conversation will perform a series of checks within the BNP iPFConnect service and if validation and back end checks are completed successfully with no errors then an account number and a credit decision will be returned. A 64-bit encoded PDF will be returned if the decision is Accept or Decline.

For Accept decisions, the PDF returned to the calling system (either the software house or the applicant if it is in an “ecommerce” environment) is our standard Customer Agreement Pack which the broker will need to ensure the customer signs and returns to Creation Consumer Finance Ltd, PO Box 14455, Birmingham, B25 9ER.
For Decline decisions, the PDF returned to the applicant is BNPs How we Decide pdf outlining our standard decision process.

	Value
Method	POST
URL	/newbusiness

Optional Sections

Depending on the setup of the product and the value of the request the following sections may not be needed for personal line application for an individual.

Affordability
Marketing

Request Example

{
  "clientCode": "Provided by BNPP PF",
  "shopCode": "Provided by BNPP PF",
  "newBusinessRequestType": {
    "application": {
      "brokerReference": "BROKERREF01",
      "accountNumber": null,
      "insuranceType": 1,
      "isRenewal": false,
      "allowSearchAuthorisation": true,
      "isCustomerPresent": true,
      "hasCustomerDeclaration": true
    },
    "policy": {
      "policyInceptionDate": "2020-11-04",
      "policyRenewalDate": "2021-11-04",
      "totalCashPrice": 1320.00,
      "deposit": 132.00,
      "creditProductCode": "TIN1",
      "term": 10,
      "preferredPaymentDay": 15,
      "policyPremiumAmount": 132.00,
      "brokerCreditFeeAmount": 10.0,
      "brokerCreditFeeDescription": "fees",
      "brokerFeeAmount": 120.0,
      "brokerFeeAmountDescription": "discount applicable",
      "addOnAmount": 5.0,
      "addOnAmountDescription": "Heavy Duty",
      "discountAmount": 1.0,
      "discountAmountDescription": "Discount",
      "premiumDescription": "1",
      "policyType": 1,
      "policyNumber": "mh-123456",
      "insuranceCompany": "7",
      "ropRateType": 1,
      "isEdiFlag": false
    },
    "applicant": {
      "customer": {
        "title": "Mr",
        "firstName": "Test01FN",
        "lastName": "Test01LN",
        "dateOfBirth": "1966-10-09",
        "nationality": "GBR",
        "countryOfBirth": "GBR",
        "email": "[email protected]",
        "policyholderName": "MW FORREST",
        "address": {
          "houseName": null,
          "houseNumber": "1",
          "streetName": "CROMWELL ROAD",
          "townland": "ELY",
          "postTown": "ELY",
          "county": null,
          "postCode": "CB6 1AS",
          "addressLineOne": null
        },
        "yearsAtAddress": 2,
        "previousAddress": {
          "houseName": null,
          "houseNumber": "1",
          "streetName": "CROMWELL ROAD",
          "townland": "ELY",
          "postTown": "ELY",
          "county": null,
          "postCode": "CB6 1AS",
          "addressLineOne": null
        },
        "telephone": {
          "mobileNumber": "07700900624",
          "phoneNumber": "01632960183"
        },
        "employment": {
          "employmentStatusCDLCode": "Employee",
          "employmentStatus": "FT",
          "employmentLevel": false,
          "employmentAbiCode":null,
          "industrySector": "1",
          "employmentSector": "1"
        }
      },
      "payment": {
        "isJointAccount": false,
        "isApplicantAccount": true,
        "thirdPartyAccountName": null,
        "thirdPartyApplicantAddress": null
      },
      "bank": {
        "bankAccountNumber": "41011166",
        "bankSortCode": "201596",
        "iban": null,
        "bic": null
      },
      "marketing": {
        "isMarketingOptInEmail": false,
        "isMarketingOptInSms": false,
        "isMarketingOptInPost": false,
        "isMarketingOptInPhone": false
      },
      "income": {
        "netMonthlyIncome": 27800.00
      },
      "affordability": {
        "netMonthlyIncome": 27800.00,
        "spousePartnerNetMonthyIncome": 2000.0,
        "monthlyMortgageRentRepayment": 100.0,
        "maritalStatus": "M",
        "residentialStatus": "F",
        "numberOfDependants": 0
      }
    }
  }
}

{
  "clientCode": "Provided by BNPP PF",
  "shopCode": "Provided by BNPP PF",
  "newBusinessRequestType": {
    "application": {
      "brokerReference": "BROKERREF01",
      "accountNumber": null,
      "insuranceType": 1,
      "isRenewal": false,
      "allowSearchAuthorisation": true,
      "isCustomerPresent": true,
      "hasCustomerDeclaration": true
    },
    "policy": {
      "policyInceptionDate": "2020-11-04",
      "policyRenewalDate": "2021-11-04",
      "totalCashPrice": 1320.00,
      "deposit": 132.00,
      "creditProductCode": "TIN1",
      "term": 10,
      "preferredPaymentDay": 15,
      "policyPremiumAmount": 132.00,
      "brokerCreditFeeAmount": 10.0,
      "brokerCreditFeeDescription": "fees",
      "brokerFeeAmount": 120.0,
      "brokerFeeAmountDescription": "discount applicable",
      "addOnAmount": 5.0,
      "addOnAmountDescription": "Heavy Duty",
      "discountAmount": 1.0,
      "discountAmountDescription": "Discount",
      "premiumDescription": "1",
      "policyType": 1,
      "policyNumber": "mh-123456",
      "insuranceCompany": "7",
      "ropRateType": 1,
      "isEdiFlag": false
    },
    "applicant": {
      "customer": {
        "title": "Mr",
        "firstName": "Test01FN",
        "lastName": "Test01LN",
        "dateOfBirth": "1966-10-09",
        "nationality": "GBR",
        "countryOfBirth": "GBR",
        "email": "[email protected]",
        "policyholderName": "MW FORREST",
        "address": {
          "houseName": null,
          "houseNumber": "1",
          "streetName": "CROMWELL ROAD",
          "townland": "ELY",
          "postTown": "ELY",
          "county": null,
          "postCode": "CB6 1AS",
          "addressLineOne": null
        },
        "yearsAtAddress": 2,
        "previousAddress": {
          "houseName": null,
          "houseNumber": "1",
          "streetName": "CROMWELL ROAD",
          "townland": "ELY",
          "postTown": "ELY",
          "county": null,
          "postCode": "CB6 1AS",
          "addressLineOne": null
        },
        "telephone": {
          "mobileNumber": "07700900624",
          "phoneNumber": "01632960183"
        },
        "employment": {
          "employmentStatus": "FT",
          "employmentLevelSpecified": false,
          "industrySector": "1",
          "employmentSector": "1"
        }
      },
      "payment": {
        "isJointAccount": false,
        "isApplicantAccount": true,
        "thirdPartyAccountName": null,
        "thirdPartyApplicantAddress": null
      },
      "bank": {
        "bankAccountNumber": "41011166",
        "bankSortCode": "201596",
        "iban": null,
        "bic": null
      },
      "income": {
        "netMonthlyIncome": 27800.00
      }
    }
  }
}

Response Example

{
    "data": {
        "newBusinessResponseType": {
            "brokerReference": "BROKERREF01",
            "accountNumber": "910000014759",
            "decision": 1,
            "pdf": "",//base64 encoded bytes for a pdf
            "responseStatus": 1
        },
        "errors": null
    },
    "validationErrors": [],
    "error": -1,
    "error_description": null,
    "successful": true
}

Fields

Root

Field	Required	Type	Max Length	Notes
ClientCode	Mandatory	String	10	This is a unique client identifier. It is supplied by BNPP PF.
ShopCode	Mandatory	String	10	This is a unique shop identifier. It is supplied by BNPP PF.
newBusinessRequestType				See newBusinessRequestType

newBusinessRequestType

Field	Required	Type	Max Length	Notes
Application	Mandatory	Application	-	See Structure of Application
Policy	Mandatory	Policy	-	See Structure of Policy
Applicant	Mandatory	Applicant	-	See Structure of Applicant

Application

Node	Required	Type	Max Length	Notes
BrokerReference	Mandatory	String	25	This is a unique reference provided by the broker to identify the applicant. The broker can use this reference to identify and locate the applicant on the BNPP PF system.
AccountNumber	Optional	String	15	This is the reference BNPP PF has assigned to the applicant as part of the new application process. It is used to locate the account and apply the transaction. It is mandatory to provide the AccountNumber and BrokerReference for Renewals.
InsuranceType	Mandatory	Enum		This is the application’s type. See InsuranceType in Option Values
IsRenewal	Mandatory	Boolean		This indicates whether the application is a renewal. If True, then AccountNumber is mandatory
AllowSearchAuthorisation	Mandatory	Boolean		This confirms whether the script (that must be either displayed or read to the applicant) has been completed. It is provided by the BNPP PF. It is mandatory for all InsuranceTypes
IsCustomerPresent	Mandatory	Boolean		This indicates whether the applicant is present with the broker.
HasCustomerDeclaration	Mandatory	Boolean		This confirms the Customer Affordability Declaration has been read to the customer as per CONC5 of the FCA

Policy

Node	Required	Type	Max Length	Notes
PolicyInceptionDate	Mandatory	Date		Date the policy was incepted - rules will be applied against this checking acceptable dates and for use in payment date calculations
PolicyRenewalDate	Optional	Date		This is the policy’s renewal date. This is recorded in the BNPP PF system, and if blank defaults to 12 months from the Policy Inception Date.
TotalCashPrice	Mandatory	Decimal		This is the cash price of the insurance premium including AddOns, fees and Insurance Premium Tax.
Deposit	Mandatory	Decimal		This is the monetary value of the deposit the customer has provided.
CreditProductCode	Mandatory	String	10	This is code that identifies the type of credit selected, eg FIC1.
Term	Mandatory	Integer		The time (in months) across which the credit is repaid. It must be valid for the credit product.
PreferredPaymentDay	Mandatory	Integer		This is the applicant’s preferred payment day. BNPP PF accepts 1-28. If 0 is entered, then this is used in conjunction with the inception date (Must be pre- approved by BNPP PF) . On renewal, BNPP PF uses the existing preferred payment day. This value will not be utilised for renewals.
PolicyPremiumAmount	Mandatory	Decimal		This is the cash price of the insurance premium plus IPT placed with the insurer, excluding AddOns and fees.
BrokerCreditFeeAmount	Mandatory	Decimal		This is the fee that is added to the credit amount. If it is blank, it defaults to 0.
BrokerCreditFeeDescription	Mandatory	String	50	This is a description of the credit fee. If it is blank, it defaults to N/A.
BrokerFeeAmount	Mandatory	Decimal		This is the fee that has been added in to the credit amount. If it is blank, it defaults to 0.00
BrokerFeeAmountDescription	Mandatory	String	45	This is a description of the fees. If it is blank, it defaults to 0.00
AddOnAmount	Mandatory	Decimal		This is the AddOn amount that has been added to the credit amount. If it is blank, it defaults to 0.00
AddOnAmountDescription	Mandatory	String	45	This is a description of the AddOns. If it is blank, it defaults to N/A.
DiscountAmount	Mandatory	Decimal		This is the amount of discount that has been applied to the credit amount. If it is blank, it defaults to 0.00
DiscountAmountDescription	Mandatory	String	45	This is the description of the Discount. If it is blank, it defaults to N/A.
PremiumDescription	Mandatory	String	50	This is the type of risk. See PremiumDescription in Option Values
PolicyType	Mandatory	Enum		This the policy’s type. See PolicyType in Option Values
PolicyNumber	Optional	String	25	This is the insurance policy number. This is mandatory if the IsEdiFlag is true and optional if the IsEDIFlag is false
InsuranceCompany	Mandatory	String	25	This is the insurer code that identifies the insurer that provides the insurance policy.
RopRateType	Mandatory	Enum		The return of premium rate type. See RopRateType in Option Values
IsEdiFlag	Mandatory	Boolean		This is a flag that indicates whether the policy is EDI (true) or Non EDI (false)

Applicant

Node	Required	Type	Notes
Customer	Optional	Customer	See Structure of Customer. This is mandatory for PersonalLine (Including Sole Trader)
Payment	Mandatory	Payment	See Structure of Payment.
Bank	Mandatory	BankAccount	See Structure of BankAccount.
Marketing	Mandatory	Marketing	See Structure of Marketing.
Commercial	Optional	Commercial	See Structure of Commercial. This is mandatory for Commercial
Income	Optional	Income	See Structure of Income Mandatory for PersonalLine Individual/ Sole Traders. Not required for CommercialLine
Affordability	Optional	Affordability	See Structure of Affordability. This will be mandatory for applications over a certain value. This will be agreed with the BNPP PF PersonalLine - Individuals/ Sole Trader Only
Trading	Optional	PersonalTrading

Personal Trading

Node	Required	Type	Max Length	Notes
TradeOutsideUk	Mandatory	Boolean		If the company trades outside the UK then this is True.
TradingName	Mandatory	String	50	This is the applicant’s trading name (mandatory for sole traders).

Customer

Node	Required	Type	Max Length	Notes
Title	Mandatory	String	10	This is the applicant’s title. See Title in Option Values
FirstName	Mandatory	String	30	This is the customer’s first name.
LastName	Mandatory	String	30	This is the customer’s last name.
DateOfBirth	Mandatory	Date		This is the applicant’s date of birth. The applicant must be a minimum of 18 years old.
Nationality	Mandatory	String	3	This is the applicant’s nationality. See Nationality in Option Values
CountryOfBirth	Mandatory	String	3	This is the applicant’s Country of Birth. See CountryOfBirth in Option Values
Email	Optional	String	100	This is the customer’s email address
PolicyholderName	Optional	String	75	This is the name of the policyholder, if different
Address	Mandatory	Address		See Structure of Address.
YearsAtAddress	Mandatory	Integer		This is the number of years the Customer has lived at their current address.
PreviousAddress	Optional	Address		This is the Customer’s address. See Structure of Address It is mandatory if YearsAtAddress is less than 3 years.
Telephone	Mandatory	Telephone		See Structure of Telephone.
Employment	Mandatory	Employment		See Structure of Employment.

Address

Node	Required	Type	Max Length	Notes
HouseName	Optional	String	35	This is the applicant’s house name. If it is missing, HouseNumber is required.
HouseNumber	Optional	String	35	This is the applicant’s house number. If it is missing, HouseName is required.
StreetName	Mandatory	String	35	This is the applicant’s street name.
Townland	Optional	String	50	This is the applicant’s townland.
PostTown	Optional	String	30	This is the applicant’s post town.
County	Optional	String	35	This is the applicant’s county.
PostCode	Mandatory	String	10	This is the applicant’s postcode.
AddressLineOne	Optional	String	200	This is a concatenated field comprising of the applicant’s HouseNumber or HouseName and StreetName. Each one separated by a comma separated delimiter. Three address fields should be present (if either house number or house name is not present it should be blank)

Telephone

Node	Required	Type	Max Length	Notes
MobileNumber	Optional	String	13	This is the applicant’s mobile telephone number. If PhoneNumber not present then MobileNumber is mandatory.
PhoneNumber	Optional	String	13	This is the applicant’s secondary telephone number or main landline. If MobileNumber is not present then PhoneNumber is mandatory.

Employment

Node	Required	Type	Max Length	Notes
EmploymentStatus	Mandatory	String	10	This is the applicant’s employee status. See EmploymentStatus in Option Values
EmploymentLevel	Optional	Boolean		This indicates the applicant’s employment level. It is mandatory if the applicant’s EmployeeStatus is FT or PT. If the applicant is a director or board member it is True, otherwise False.
IndustrySector	Optional	String	3	This indicates the applicant’s industry sector. It is mandatory if EmployeeStatus is SE or if EmploymentLevel is true. See IndustrySector and Employment Sectors in Option Values
EmploymentSector	Optional	String	3	This indicates the applicant’s employment sector. It is mandatory if EmployeeStatus is SE, EmploymentLevel = true or if IndustrySector is completed. EmploymentSector options are dependent on IndustrySector chosen. See IndustrySector and Employment Sectors in Option Values

Payment

Node	Required	Type	Max Length	Notes
IsJointAccount	Mandatory	Boolean		This indicates whether the account details are for a joint account. The options are True or False.
IsApplicantAccount	Mandatory	Boolean		This indicates whether the account details are for the person applying for finance. The options are: True or False.

ThirdPartyAccountName	Optional	String	30	This is the name of the third party making the payments (if IsApplicantAccount is False).
ThirdPartyApplicantAddre ss	Optional	Address		See Structure of Address

Income

Node	Required	Type	Max Length	Notes
NetMonthlyIncome	Mandatory	Decimal		This is the applicant’s individual net monthly income.

Affordibility

Node	Required	Type	Max Length	Notes
NetMonthlyIncome	Mandatory	Decimal		This is the applicant’s individual net monthly income.
SpousePartnerNetMonthyI ncome	Mandatory	Decimal		This is the applicant’s spouse or partner’s individual net monthly income. If it is not applicable enter 0.00
MonthlyMortgageRentRep ayment	Mandatory	Decimal		This is the applicant’s monthly mortgage or rent payment. If it is not applicable enter 0.00
MaritalStatus	Mandatory	String	35	This is the applicant’s marital status. See MaritalStatus in Option Values

ResidentialStatus	Mandatory	String	35	This is the applicant’s residential status. See ResidentialStatus in Option Values
NumberOfDependants	Mandatory	Integer		This is the applicant’s number of dependants.

Markerting

Node	Required	Type	Notes
IsMarketingOptInEmail	Mandatory	Boolean	This indicates whether the applicant opted in for email marketing.
IsMarketingOptInSms	Mandatory	Boolean	This indicates whether the applicant opted in for SMS marketing
IsMarketingOptInPost	Mandatory	Boolean	This indicates whether the applicant opted in for postal marketing.
IsMarketingOptInPhone	Mandatory	Boolean	This indicates whether the applicant opted in for telephone marketing.

Commercial

Node	Required	Type	Notes
BusinessType	Mandatory	Enum	This is the business type. See CustomerBusinessType in Option Values
Partnership	Optional	Partnership	This is mandatory if BusinessType is Partnership
LimitedCompany	Optional	LimitedCompany	This is mandatory if BusinessType is LimitedCompany

Partnership

All fields are mandatory for CommercialLine application types if BusinessType is PartnerShip (including LLPs, Trusts and Clubs)

Node	Required	Type	Max Length	Notes
CompanyName	Mandatory	String	40	This is the name of the company.
BusinessAddress	Mandatory	Address		See Structure of Address.
DateEstablished	Mandatory	Date		This indicates when the business was established.
HasCcj	Mandatory	Boolean		This is a flag to indicate the Partnership has a CCJ
BusinessPhoneNumber	Mandatory	String	13	This is the business’ phone number.
BusinessEmail	Optional	String	45	This is the business’ email address.
Trading	Mandatory	CommercialTrading		See Structure of CommercialTrading
ExceedsThreePartnerShips	Mandatory	Boolean		This is a flag to indicate the number of Partners within the Partnership. If the number of Partners is 4 or more then true, else false. If True is selected then PartnerOne, PartnerTwo, PartnerThree and PartnerFour are all mandatory
PartnerOne	Mandatory	Partner		See Structure of Partner
PartnerTwo	Mandatory	Partner		See Structure of Partner
PartnerThree	Optional	Partner		See Structure of Partner
PartnerFour	Optional	Partner		See Structure of Partner

LimitedCompany

All fields are mandatory for CommercialLine and application types if BusinessType is LimitedCompany

Node	Required	Type	Max Length	Notes
CompanyName	Mandatory	String	40	This is the name of the company.
RegistrationNumber	Mandatory	String	25	This is the business registration number.
TradingAddress	Mandatory	Address		See Structure of Address.
BusinessEmail	Optional	String	45	This is the business’ email address.
BusinessPhoneNumber	Mandatory	String	13	This is the business’ phone number.
DirectorOneAuthSignature	Mandatory	String	50	This is a Director authorised to sign a credit agreement on the companies behalf
DirectorTwoAuthSignature	Optional	String	50	This is a Director authorised to sign a credit agreement on the companies behalf

DirectorOneDob	Mandatory	Date		This is the DirectoryOne Date of Birth
DirectorOneHomeAddress	Mandatory	Address		This is DirectorOne Home Address. See Structure of Address
DirectorOneCountryOfBirth	Mandatory	String	3	This is DirectorOne’s Country of Birth. See CountryOfBirth in Option Values
DirectorTwoDob	Optional	Date		This is mandatory if DirectorTwoAuthSignature has been supplied
DirectorTwoHomeAddress	Optional	Address		This is DirectorTwo Home Address. See Structure of Address This is mandatory if DirectorTwoAuthSignature has been supplied
DirectorTwoCountryOfBirth	Optional	String	3	This is DirectorTwo’s Country of Birth. See CountryOfBirth in Option Values
Trading	Mandatory	CommercialTrading		See Structure of CommercialTrading

CommercialTrading

All fields are mandatory for CommercialLine and application types

Node	Required	Type	Max Length	Notes
TradeOutsideUk	Mandatory	Boolean		If the company trades outside the UK then this is True.

Partner

All fields are mandatory for CommercialLine and application types if BusinessType is PartnerShip (including LLPs, Trusts and Clubs)

Node	Required	Type	Max Length	Notes
FirstName	Mandatory	String	30	This is Partner’s forename.
LastName	Mandatory	String	30	This is Partner’s surname.
PartnerAddress	Mandatory	Address		This is Partner’s address. See Structure of Address
YearsAtAddress	Mandatory	Integer		This is the number of years the Partner has lived at their current address.
PreviousAddress	Optional	Address		This is the Partner’s address. See Structure of Address It is mandatory if YearsAtAddress is less than 3 years.
PhoneNumber	Mandatory	String	13	This is the Partner’s phone number.
DateOfBirth	Mandatory	Date		This is the Partner’s date of birth. They must be a minimum of 18 years old.
Nationality	Mandatory	String	3	This is the Partner’s nationality. See Nationality in Option Values
CountryOfBirth	Mandatory	String	3	This is the Partner’s Country of Birth. See CountryOfBirth in Option Values

newBusinessResponseType

Node	Required	Type	Max Length	Notes
BrokerReference	Mandatory	String	25	This is a unique reference provided by the broker to identify the applicant. The broker can use this reference to identify and locate the applicant on the BNPP PF system.
AccountNumber	Optional	String	15	This is the reference BNPP PF has assigned to the applicant as part of the new application process. It is used to locate the account and apply the transaction. It is mandatory to provide it and BrokerReference for renewals.
Decision	Mandatory	Enum		This is the application decision. See Decision in
Pdf	Optional	String		This returns an encoded PDf document. For Accept decisions, it contains a Credit Agreement. For Decline decisions, it returns a How We Decide document.
ResponseStatus	Mandatory	Enum		This is the response status of the XML conversation. See ResponseStatus in Option Values