curl --request PATCH \
  --url https://api.creditor.younegotiate.com/manage-consumers/{consumer}/pay-terms \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "pif_discount_percent": 20,
  "pay_setup_discount_percent": 15,
  "min_monthly_pay_percent": 5,
  "max_days_first_pay": 45
}
'

import requests

url = "https://api.creditor.younegotiate.com/manage-consumers/{consumer}/pay-terms"

payload = {
    "pif_discount_percent": 20,
    "pay_setup_discount_percent": 15,
    "min_monthly_pay_percent": 5,
    "max_days_first_pay": 45
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.patch(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'PATCH',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    pif_discount_percent: 20,
    pay_setup_discount_percent: 15,
    min_monthly_pay_percent: 5,
    max_days_first_pay: 45
  })
};

fetch('https://api.creditor.younegotiate.com/manage-consumers/{consumer}/pay-terms', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.creditor.younegotiate.com/manage-consumers/{consumer}/pay-terms",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "PATCH",
  CURLOPT_POSTFIELDS => json_encode([
    'pif_discount_percent' => 20,
    'pay_setup_discount_percent' => 15,
    'min_monthly_pay_percent' => 5,
    'max_days_first_pay' => 45
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.creditor.younegotiate.com/manage-consumers/{consumer}/pay-terms"

	payload := strings.NewReader("{\n  \"pif_discount_percent\": 20,\n  \"pay_setup_discount_percent\": 15,\n  \"min_monthly_pay_percent\": 5,\n  \"max_days_first_pay\": 45\n}")

	req, _ := http.NewRequest("PATCH", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.patch("https://api.creditor.younegotiate.com/manage-consumers/{consumer}/pay-terms")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"pif_discount_percent\": 20,\n  \"pay_setup_discount_percent\": 15,\n  \"min_monthly_pay_percent\": 5,\n  \"max_days_first_pay\": 45\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.creditor.younegotiate.com/manage-consumers/{consumer}/pay-terms")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Patch.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"pif_discount_percent\": 20,\n  \"pay_setup_discount_percent\": 15,\n  \"min_monthly_pay_percent\": 5,\n  \"max_days_first_pay\": 45\n}"

response = http.request(request)
puts response.read_body

{
  "message": "Consumer offer updated.",
  "data": {
    "id": 123,
    "summary": {
      "account_name": "<string>",
      "placement_date": "2023-12-25",
      "expiry_date": "2023-12-25",
      "original_account_number": "<string>",
      "current_account_number": "<string>",
      "consumer_login_url": "<string>"
    },
    "account_profile": {
      "displays_active_account_status": true,
      "reason_label": "<string>",
      "first_name": "<string>",
      "middle_name": "<string>",
      "last_name": "<string>",
      "full_name": "<string>",
      "dob": "2023-12-25",
      "last4ssn": "<string>",
      "beginning_balance": "<string>",
      "current_balance": "<string>"
    },
    "communication_profile": {
      "has_email": true,
      "has_mobile": true,
      "has_communication_profile": true,
      "is_communication_updated": true,
      "email_permission": true,
      "text_permission": true,
      "can_send_email": true,
      "can_send_sms": true,
      "contact": {
        "email": "jsmith@example.com",
        "mobile": "<string>"
      }
    },
    "negotiation_summary": {
      "status": {
        "value": "<string>",
        "label": "<string>",
        "detail_label": "Active Payment Plan",
        "list_label": "Active Payment Plan",
        "tooltip": "<string>",
        "is_expired": true
      },
      "current_offer_source": "Individual",
      "approved_by": "Auto",
      "settled_in_full": {
        "amount": "<string>",
        "date": "2023-12-25"
      },
      "active_payment_plan": {
        "amount": "<string>",
        "monthly_amount": "<string>",
        "installment_type": "<string>"
      }
    },
    "offer_terms": {
      "offer_source": "<string>",
      "pif_discount_percent": 123,
      "ppa_discount_percent": 123,
      "min_monthly_pay_percent": 123,
      "max_days_first_pay": 123,
      "amount_to_pay_when_pif": 123,
      "amount_to_pay_when_ppa": 123,
      "min_monthly_amount": 123
    },
    "active_negotiation": {
      "id": 123,
      "negotiation_type": "<string>",
      "negotiation_type_label": "<string>",
      "pay_term_type": "<string>",
      "pay_term_type_label": "<string>",
      "active_negotiation": true,
      "offer_accepted": true,
      "counter_offer_accepted": true,
      "can_respond": true,
      "is_not_editable": true,
      "consumer_offer_sent_at": "2023-11-07T05:31:56Z",
      "creditor_counter_offer_sent_at": "2023-11-07T05:31:56Z"
    },
    "available_actions": [
      {
        "label": "<string>",
        "enabled": true,
        "fields": [
          "<string>"
        ]
      }
    ],
    "created_at": "2023-11-07T05:31:56Z",
    "updated_at": "2023-11-07T05:31:56Z"
  }
}

{
  "message": "<string>"
}

{
  "message": "An active membership is required."
}

{
  "message": "<string>"
}

{
  "message": "<string>"
}

{
  "message": "<string>",
  "errors": {}
}