# POST /cardless-credit is deprecated

Xendit API deprecated POST /cardless-credit without giving a shutdown date yet.

Xendit API deprecated the POST /cardless-credit endpoint without a shutdown date. Calls made to this endpoint fail. This change impacts all integrations using the legacy Cardless Credit service.

## What to use instead

Use the PayLater API by calling POST /paylater/plans, followed by POST /paylater/charges.

- API: Xendit API (api.xendit.co)
- Kind: Endpoint removal
- Takes effect: no date given yet
- Calls after that day: fail
- Calls it hits: `POST /cardless-credit`
- Source: [Announcement](https://archive.developers.xendit.co/api-reference/)
- Verified: November 6, 2026, against Xendit API's own pages
- Page: https://www.okapi.bot/providers/xendit-api/breaking-changes/post-cardless-credit-is-deprecated/

## Xendit API's words

> Cardless Credit API will be deprecated by 1st of February 2023. Migrate to New PayLater API to get the latest PayLater features.

Okapi finds the calls this change hits in your repo and opens the pull request with the fix: https://github.com/apps/okapi-agent