canonical: https://jentic.com/apis/santanderconsumer.se/santanderconsumer-se

# Santanderconsumer Se Santander Checkout API

Santander Consumer Bank Nordic auto e-commerce quotation API. Provides product information retrieval and loan/leasing multi-simulation calculations for vehicles across Nordic countries (Norway, Sweden, Finland, Denmark). The API exposes 3 endpoints secured with apiKey authentication.

## For AI agents

Programmatically create loan application, update application status. Covers 3 operations with apiKey authentication.

## Scope

Does not handle communications, crm, or developer tools - use for payments only.

## Capabilities

- Create Loan Application
- Update Application Status
- Verify Authentication Token
- Query and filter Santander Quotation API records by parameters
- Monitor Santander Quotation API operational status and events

## Use cases

### Payments Operations

Use the Santander Quotation API to perform payments operations programmatically. The API provides 3 endpoints covering core functionality including create loan application, update application status, verify authentication token.

Example prompt: Call POST `/api/v2/CreateApplication` to create loan application

### Automated Createapplication Management

Automate createapplication operations by combining multiple Santander Quotation API endpoints. Agents can update application status and then verify authentication token in a single workflow.

Example prompt: Call POST `/api/v2/UpdateStatus` to update application status, then verify the result

### AI Agent Integration via Jentic

AI agents discover and call Santander Quotation API endpoints through Jentic without managing credentials directly. An agent searches for the required operation by intent, receives the matching endpoint schema, and executes the call with Jentic-managed authentication. This eliminates the need to read API documentation or handle apiKey tokens manually.

Example prompt: Search Jentic for 'create loan application', load the operation schema, and execute with Jentic-managed credentials

## Key endpoints

| Method | Path | Description |
| --- | --- | --- |
| POST | `/api/v2/CreateApplication` | Create Loan Application |
| POST | `/api/v2/UpdateStatus` | Update Application Status |
| POST | `/api/v2/VerifyAuthentication` | Verify Authentication Token |

## Key resources

- **Createapplication** — Operations for CreateApplication
- **Updatestatus** — Operations for UpdateStatus
- **Verifyauthentication** — Operations for VerifyAuthentication

## AI readiness

This API is usable in Jentic One now. Its AI-readiness score against Jentic's framework shows where it stands today and where improvements would make it even easier for agents to use.

- **Score:** 72 / 100
- **Maturity:** AI-Aware
- **Dimensions:**
  - Foundational Compliance: 100 / 100
  - Developer Experience & Jentic Compatibility: 63 / 100
  - AI-Readiness & Agent Experience: 70 / 100
  - Agent Usability: 94 / 100
  - Security: 50 / 100
  - AI Discoverability: 67 / 100
- **View full report:** https://jentic.com/apis/santanderconsumer.se/santanderconsumer-se/scorecard
- **How the score is calculated:** https://docs.jentic.com/reference/api-readiness-framework/overview/
- **More about the dimensions:** https://docs.jentic.com/reference/api-readiness-framework/specification/#dimensional-model-overview

### Score it yourself

Every API in the directory is allowlisted, so you can re-score it with no key required.

- **Score your own API:** https://jentic.com/scorecard.md
- **Scoring CLI agent skill:** https://github.com/jentic/jentic-api-scorecard/blob/main/skills/jentic-api-scorecard/SKILL.md

```sh
npx @jentic/api-scorecard-cli score <openapi-url>
```

## Why Jentic

- **Setup:** Wiring the Santander Checkout API by hand means passing your API key in the Authorization header and sequencing the create, status update, and authentication verify calls yourself. Through Jentic you install once, import the Santander Checkout API from the API Directory, store the API key once, and your agent calls it.
- **Permission scoping:** The Santander Checkout API takes its application details in the request body rather than the URL path, so you limit the agent to the operations it needs, such as creating an application and verifying authentication, and you leave out the status update operation unless you add it. Every operation the agent runs is one you chose.
- **Credential handling:** Your Santander Checkout API key is stored once, encrypted, by your own Jentic One instance and injected at execution time. It never enters the agent's prompt, logs, or context.
- **Discovery method:** Agents search Jentic by intent such as 'create a loan application' or 'verify authentication', and Jentic returns the matching Santander Checkout API operation with its input schema so the agent calls the right endpoint without browsing the reference docs.

## Related APIs

- **Stripe** — Alternative payments API
- **Adyen** — Alternative payments API
- **Square** — Complementary payments API
- **Paypal** — Complementary payments API

## FAQ

### What authentication does the Santander Quotation API use?

The Santander Quotation API uses an API key passed in the `Authorization` header. Through Jentic, these credentials are stored encrypted in your Jentic One instance and injected at execution time, so raw secrets never enter the agent context.

### Can I create loan application with the Santander Quotation API?

Yes. Use the POST `/api/v2/CreateApplication` endpoint. The API returns structured JSON responses that agents can parse and act on directly.

### What are the rate limits for the Santander Quotation API?

Rate limits are not specified in the OpenAPI spec. Check the vendor documentation for current limits. Through Jentic, rate limiting is handled automatically with retry logic built into the execution layer.

### How do I create loan application through Jentic?

Install the Jentic SDK with pip install jentic, authenticate through Jentic One, the self-hosted execution layer, then search for 'create loan application'. Jentic returns the matching Santander Quotation API operation with its input schema. Load the schema and execute the call - credentials are injected automatically.

### How many endpoints does the Santander Quotation API have?

The Santander Quotation API exposes 3 endpoints covering createapplication, updatestatus, verifyauthentication operations.

### Can I limit what my agent is allowed to do with the Santander Quotation API?

Yes. Because you run Jentic One yourself, your own rules decide which Santander Quotation API operations the agent can call and which stored credentials it may use. You can grant only the operations the agent needs, such as POST `/api/v2/CreateApplication` to create a loan application and POST `/api/v2/VerifyAuthentication` to verify its token, while leaving out POST `/api/v2/UpdateStatus` so the agent cannot change application status. Every operation the agent runs is one you chose.