{
  "paymentId": "PMT-2026-05-22-000871234",
  "loanNumber": "0012345678",
  "amount": 2148.92,
  "principalAmount": 712.18,
  "interestAmount": 1021.05,
  "escrowAmount": 415.69,
  "lateChargeAmount": 0.00,
  "otherAmount": 0.00,
  "effectiveDate": "2026-05-22",
  "postDate": "2026-05-22T14:32:11Z",
  "paymentMethod": "ACH",
  "reversal": false
}