openapi: 3.0.0
info:
  title: Defacto Accounting Credit card API
  version: v1.0.0
  description: Defacto provides instant, embedded financing for SMBs across Europe. This REST API lets partners onboard borrowers, test eligibility and credit limits, upload business/bank data, create invoices, request and manage loans, handle repayments and recollection, issue and manage credit cards, bill fees, and subscribe to webhooks. Reconstructed by API Evangelist from the per-operation OpenAPI fragments published on Defacto's ReadMe developer portal (developers.getdefacto.com/llms.txt). operationId values are the provider's ReadMe reference slugs; summaries are the reference page titles.
  contact:
    email: contact@getdefacto.com
    url: https://developers.getdefacto.com/
servers:
- url: https://api.getdefacto.com
  description: Production
- url: https://api-sandbox.getdefacto.com
  description: Sandbox
security:
- Bearer: []
tags:
- name: Credit card
paths:
  /cards/{card_id}/entries/export:
    get:
      description: Export card transactions as a Pennylane-compatible CSV. Provide either period (YYYY-MM) or from_date + to_date.
      parameters:
      - in: path
        name: card_id
        required: true
        schema:
          type: string
      - in: query
        name: from_date
        required: false
        x-nullable: true
        schema:
          type: string
          format: date-time
          default: null
      - in: query
        name: period
        required: false
        x-nullable: true
        schema:
          type: string
          default: null
      - in: query
        name: to_date
        required: false
        x-nullable: true
        schema:
          type: string
          format: date-time
          default: null
      responses:
        '200':
          description: CSV file attachment
        '404':
          description: Card not found
      security:
      - Bearer: []
      tags:
      - Credit card
      operationId: get_cards-card-id-entries-export
      summary: /cards/{card_id}/entries/export
  /cards/{card_id}/entries:
    get:
      description: List entries for a credit card.
      parameters:
      - in: path
        name: card_id
        required: true
        schema:
          type: string
      - in: query
        name: from_date
        required: false
        x-nullable: true
        schema:
          type: string
          format: date-time
          default: null
      - in: query
        name: to_date
        required: false
        x-nullable: true
        schema:
          type: string
          format: date-time
          default: null
      responses:
        '200':
          description: ''
          content:
            '*/*':
              schema:
                items:
                  $ref: '#/components/schemas/ApiCardEntry'
                type: array
      security:
      - Bearer: []
      tags:
      - Credit card
      operationId: get_cards-card-id-entries
      summary: /cards/{card_id}/entries
  /cards/{card_id}:
    get:
      description: Retrieve a credit card by its ID.
      parameters:
      - in: path
        name: card_id
        required: true
        schema:
          type: string
      responses:
        '200':
          description: ''
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/ApiCard'
      security:
      - Bearer: []
      tags:
      - Credit card
      operationId: get_cards-card-id
      summary: /cards/{card_id}
  /cards:
    get:
      description: List credit cards for the authenticated borrower.
      responses:
        '200':
          description: ''
          content:
            '*/*':
              schema:
                items:
                  $ref: '#/components/schemas/ApiCard'
                type: array
      security:
      - Bearer: []
      tags:
      - Credit card
      operationId: get_cards
      summary: /cards
  /cards/{card_id}/status:
    patch:
      description: 'Update card status. Accepted values: ''active'', ''inactive'', ''canceled''.'
      parameters:
      - in: path
        name: card_id
        required: true
        schema:
          type: string
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/UpdateCardStatusRequest'
      responses:
        '200':
          description: ''
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/ApiCard'
      security:
      - Bearer: []
      tags:
      - Credit card
      operationId: patch_cards-card-id-status
      summary: /cards/{card_id}/status
  /cards/{card_id}/ephemeral-key:
    post:
      description: Create an ephemeral key to reveal the card's PAN and CVV via the card display SDK.
      parameters:
      - in: path
        name: card_id
        required: true
        schema:
          type: string
      requestBody:
        content:
          application/x-www-form-urlencoded:
            schema:
              type: object
              properties:
                nonce:
                  type: string
              required:
              - nonce
        required: true
      responses:
        '200':
          description: ''
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/EphemeralKeyResult'
      security:
      - Bearer: []
      tags:
      - Credit card
      operationId: post_cards-card-id-ephemeral-key
      summary: /cards/{card_id}/ephemeral-key
components:
  schemas:
    EphemeralKeyResult:
      properties:
        ephemeral_key_secret:
          type: string
        provider_account_id:
          type: string
        provider_card_id:
          type: string
        publishable_key:
          type: string
      required:
      - ephemeral_key_secret
      - provider_account_id
      - provider_card_id
      - publishable_key
      type: object
    ApiCardEntry:
      properties:
        amount:
          type: integer
        created:
          format: date-time
          type: string
        currency:
          type: string
        entry_type:
          default: transaction
          type: string
        funding_obligation_id:
          default: null
          type: string
          nullable: true
        id:
          type: string
        merchant_amount:
          default: null
          type: integer
          nullable: true
        merchant_category:
          type: string
        merchant_currency:
          default: null
          type: string
          nullable: true
        merchant_name:
          type: string
        transaction_type:
          type: string
      required:
      - amount
      - created
      - currency
      - id
      - merchant_category
      - merchant_name
      - transaction_type
      type: object
    UpdateCardStatusRequest:
      properties:
        status:
          type: string
      required:
      - status
      type: object
    ApiCard:
      properties:
        balance:
          $ref: '#/components/schemas/CreditBalance'
        brand:
          type: string
        card_type:
          default: virtual
          type: string
        constraints:
          additionalProperties:
            nullable: true
          type: object
        currency:
          type: string
        first_name:
          default: null
          type: string
          nullable: true
        id:
          format: uuid
          type: string
        last4:
          type: string
        last_name:
          default: null
          type: string
          nullable: true
        provider_account_id:
          default: null
          type: string
          nullable: true
        provider_card_id:
          default: null
          type: string
          nullable: true
        status:
          type: string
      required:
      - balance
      - brand
      - constraints
      - currency
      - id
      - last4
      - status
      type: object
    CreditBalance:
      properties:
        available:
          type: integer
        available_including_pending:
          default: null
          type: integer
          nullable: true
        currency:
          type: string
        pending:
          default: null
          type: integer
          nullable: true
        used:
          type: integer
      required:
      - available
      - currency
      - used
      type: object
  securitySchemes:
    Bearer:
      in: header
      name: Authorization
      type: apiKey