Our new streamlined approach to offering you the best possible access to all of our APIs

Explore APIs

About our API Gateway

API Gateway

Product List

Products

Start Using ourAPI's

Getting Started

Explore our products

Agreement Management

Selection of API's typically used to create and manage finance agreements

Agreement Onboarding

Selection of API's typically used to create a new finance agreement

Client Account Management

Retrieve client account and statement details

Decision In Principle

Make loan checks

FITS - Starter Product

Fully Integrated Transaction

Documentation

Browse our documentation and learn how to integrate Premium Credit's products.

Getting started

Why switch to the API Gateway

Messages with the right data structure

  • Improvements to data structure to ensure there are no gaps.

  • Improved field validation to drive higher data quality.

  • Consistent schema for all products.

Completeness and availability

  • Removed the inconsistency between products. Now there is a single set of 21 capabilities for all products.

  • No separation of APIs between products. A single API available 24/7 for all products.

  • The unification of products and transaction reporting available for all products.

Security model

  • Replaced the current authentication method with an improved digital token system.

  • Introduced extra tamper checking on critical transactions.

Our services

Introducing the PCL API Gateway

We introduced the new PCL Application Programming Interface Manager (PCL-APIM) to support the different needs of our partners. Our APIM gives you access to our products and APIs which are designed to allow simple and efficient integration.

Our APIs are created using the latest web and cloud based methodologies. When you sign up to the APIM, you will have access to our APIs and become a member of our API Community.

We offer support through different channels to make the integration of our products as easy as possible.

Our APIs are only available to registered organisations and developers.

Learn more about our API Gateway

Integration and partnerships

At Premium Credit, we understand the importance of providing a smooth and seamless service. That is why we’ve made sure that our online system, PLaSMA, can handle high volumes of premium finance to make your life easier. It means you can transact 100% of your clients’ business without manual intervention and have instant access to detailed client and management information.

We also provide integrated software which works in tandem with your own systems. This provides point of sale information electronically direct to your PC. It means simple signature-free sign ups, mid-term adjustments and renewals are all at your fingertips.

Our New API Gateway provides our development partners with the ability to easily integrate with our industry-leading, Payments and Collections System (PCS).

About PCL

Whether it's for personal or business use, insurance is essential for most of us. For many, paying a hefty insurance premium in one go can put a strain on the budget - but Premium Credit provides an affordable solution.
For 25 years, we have helped businesses and individuals pay for their insurance by spreading the costs over regular instalments, instead of paying the whole premium upfront.

Premium Credit doesn’t just help businesses and individuals spread the cost of their insurance premiums, we also provide the finance to pay annual fees such as professional fees, membership subscriptions, commercial service charges and school fees.
We have over 2 million customers, processing over 30 million Direct Debits, achieving advances of £3.9 billion.

That's why we're the No.1 Insurance Premium Finance Company in the UK and Ireland.

Supporting growth

We are committed to working with our trading Partners across many lending sectors. These include:

  • Premium Finance for Personal Insurances

  • Premium Finance for Commercial Insurances

  • School Fee Loans

  • Golf and other Leisure Activity Annual Fees and Subscriptions

  • Professional Fees and Indemnities

We are aware that you, as our partner, and your customers have a variety of needs. To support these needs, we provide several platforms to support our various loan types.

Recently, we launched our new online payments platform EPICC.

EPICC is an online payment gateway, enabling you to offer commercial clients a choice in how to pay for their insurance premium, presented and fulfilled in a consistent, secure and compliant manner. EPICC is built to match your branding.