openapi: 3.0.0
info:
  title: Defacto Accounting Payment 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: Payment
paths:
  /installments:
    get:
      description: List installements. Filter by loan or various dates to find what you're looking for.
      parameters:
      - description: Pagination cursor from the previous response's next_page field. Omit to get the first page.
        in: query
        name: cursor
        required: false
        x-nullable: true
        schema:
          type: string
          default: null
      - in: query
        name: installment_plan_ids
        required: false
        x-nullable: true
        explode: true
        schema:
          type: array
          items:
            format: uuid
            type: string
          default: null
      - in: query
        name: loan_ids
        required: false
        x-nullable: true
        explode: true
        schema:
          type: array
          items:
            format: uuid
            type: string
          default: null
      - description: Maximum number of items to return per page.
        in: query
        name: page_size
        required: false
        schema:
          type: integer
          default: 100
      - in: query
        name: paid_at_gt
        required: false
        x-nullable: true
        schema:
          type: string
          format: date-time
          default: null
      - in: query
        name: paid_at_lt
        required: false
        x-nullable: true
        schema:
          type: string
          format: date-time
          default: null
      - in: query
        name: to_pay_at_gt
        required: false
        x-nullable: true
        schema:
          type: string
          format: date-time
          default: null
      - in: query
        name: to_pay_at_lt
        required: false
        x-nullable: true
        schema:
          type: string
          format: date-time
          default: null
      - in: query
        name: updated_at_gt
        required: false
        x-nullable: true
        schema:
          type: string
          format: date-time
          default: null
      - in: query
        name: updated_at_lt
        required: false
        x-nullable: true
        schema:
          type: string
          format: date-time
          default: null
      responses:
        '200':
          description: ''
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/TypedApiPage6'
      security:
      - Bearer: []
      tags:
      - Payment
      operationId: get_installments
      summary: /installments
  /payments:
    get:
      description: Get payments related to loans
      parameters:
      - description: Pagination cursor from the previous response's next_page field. Omit to get the first page.
        in: query
        name: cursor
        required: false
        x-nullable: true
        schema:
          type: string
          default: null
      - description: Filter payments linked to these deposit IDs.
        in: query
        name: deposit_id
        required: false
        explode: true
        schema:
          type: array
          items:
            type: string
            nullable: true
      - description: Filter by source account ID.
        in: query
        name: from_account_id
        required: false
        x-nullable: true
        schema:
          type: string
          default: null
      - description: Return payments created on or after this date.
        in: query
        name: from_date
        required: false
        x-nullable: true
        schema:
          type: string
          format: date-time
          default: null
      - description: Filter by one or more payment UUIDs.
        in: query
        name: id
        required: false
        x-nullable: true
        explode: true
        schema:
          type: array
          items:
            format: uuid
            type: string
      - description: 'Include billing payments (default: true).'
        in: query
        name: include_bills
        required: false
        schema:
          type: boolean
          default: true
      - description: 'Include loan disbursement payments (default: true).'
        in: query
        name: include_loans
        required: false
        schema:
          type: boolean
          default: true
      - description: 'Include payment intent payments (default: true).'
        in: query
        name: include_payment_intents
        required: false
        schema:
          type: boolean
          default: true
      - description: Filter by reconciliation status.
        in: query
        name: is_reconciled
        required: false
        x-nullable: true
        schema:
          type: boolean
          default: null
      - description: Filter payments linked to these loan IDs.
        in: query
        name: loan_id
        required: false
        explode: true
        schema:
          type: array
          items:
            type: string
            nullable: true
      - description: Maximum number of items to return per page.
        in: query
        name: page_size
        required: false
        schema:
          type: integer
          default: 100
      - description: Return payments where paid_at is after this date.
        in: query
        name: paid_after
        required: false
        x-nullable: true
        schema:
          type: string
          format: date-time
          default: null
      - description: Return payments where paid_at is before this date.
        in: query
        name: paid_before
        required: false
        x-nullable: true
        schema:
          type: string
          format: date-time
          default: null
      - description: Filter payments linked to these payment intent IDs.
        in: query
        name: payment_intent_id
        required: false
        explode: true
        schema:
          type: array
          items:
            type: string
            nullable: true
      - description: Filter by payment method (e.g. DIRECT_DEBIT, SCT).
        in: query
        name: payment_method
        required: false
        explode: true
        schema:
          type: array
          items:
            enum:
            - DIRECT_DEBIT
            - P2P
            - SCT
            type: string
      - description: Filter by payment type (e.g. LOAN_PAYMENT, REPAYMENT).
        in: query
        name: payment_type
        required: false
        explode: true
        schema:
          type: array
          items:
            enum:
            - CHANNEL_VERIFICATION
            - CHARGEBACK
            - DEPOSIT_FUNDING
            - DEPOSIT_RELEASE
            - DEPOSIT_WITHDRAWAL
            - EXTRA
            - INTERNAL
            - LENDER_DEBT_RESOLUTION
            - LENDER_PREFUNDING
            - LENDER_REPURCHASE
            - LOAN_PAYMENT
            - LOAN_PURCHASE
            - PAYMENT_PROVIDER_FEES
            - PLATFORM
            - REFUND
            - REPAYMENT_FEES
            - REPAYMENT_FULL
            - REPAYMENT_NOMINAL
            - RETURNED
            - REVENUE_SHARE
            - REVERT
            - SUBSCRIPTION
            type: string
      - description: Filter by payment references.
        in: query
        name: references
        required: false
        explode: true
        schema:
          type: array
          items:
            type: string
      - description: 'Sort field and direction (format: column:ASC or column:DESC).'
        in: query
        name: sort_by
        required: false
        schema:
          type: string
          enum:
          - amount:asc
          - amount:desc
          - payment_method:asc
          - payment_method:desc
          - scheduled_at:asc
          - scheduled_at:desc
      - description: Filter by payment status.
        in: query
        name: status
        required: false
        explode: true
        schema:
          type: array
          items:
            enum:
            - CANCELED
            - FAILED
            - INSTRUCTED
            - IN_TRANSIT
            - PAID
            - PROPOSED
            - SCHEDULED
            type: string
      - description: Filter by destination account ID.
        in: query
        name: to_account_id
        required: false
        x-nullable: true
        schema:
          type: string
          default: null
      - description: Return payments created on or before this date.
        in: query
        name: to_date
        required: false
        x-nullable: true
        schema:
          type: string
          format: date-time
          default: null
      - description: Return payments updated after this date.
        in: query
        name: updated_after
        required: false
        x-nullable: true
        schema:
          type: string
          format: date-time
          default: null
      responses:
        '200':
          description: ''
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/TypedApiPage5'
      security:
      - Bearer: []
      tags:
      - Payment
      operationId: get_payments
      summary: /payments
  /installment-plans:
    post:
      description: '

        ## Create an installment plan


        When you send this API request, our system will create an installment-plan that replaces any scheduled

        payments you may have on the loans involved in this installment-plan. Once fully processed, the

        installment-plan reaches the SCHEDULED status with its payment intents in PROPOSED status, ready to

        be executed.


        **Key Parameters**:

        As the loan request is a complex operation, it has many parameters. The most important ones are:

        - payment method (SCT or Direct debit)

        - amount (in cents)

        - debited account information in case of direct debit

        - installments

        - loans and their amounts

        - installment date

        - payment reference


        ### Behavior

        The endpoint returns 201 immediately with the installment-plan in DRAFT status. Cancelation of the

        previous scheduled plans on the same loans, creation of payment intents, and activation of the new

        plan happen asynchronously in a background task — poll the resource to observe the transition to

        SCHEDULED. Retrying with the same salt_id returns the existing plan (dedup); when salt_id is

        omitted, it is derived from the sorted loan_ids.

        '
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/ApiPostInstallmentPlan'
      responses:
        '201':
          description: ''
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/ApiInstallmentPlan'
      security:
      - Bearer: []
      tags:
      - Payment
      operationId: post_installment-plans-1
      summary: /installment-plans
components:
  schemas:
    AccountCreation:
      properties:
        account_holder:
          allOf:
          - $ref: '#/components/schemas/BusinessIdentifierRequired'
          default: null
          nullable: true
        account_number:
          type: string
        account_number_type:
          default: iban
          enum:
          - account_number
          - iban
          - internal_id
          type: string
        bank_identifier:
          default: null
          type: string
          nullable: true
        bank_identifier_type:
          default: bic
          enum:
          - bic
          - name
          - routing_number
          - undefined
          type: string
        source:
          allOf:
          - $ref: '#/components/schemas/AccountSourceInformation'
          default: null
          nullable: true
      required:
      - account_number
      type: object
    TypedApiPage5:
      properties:
        count:
          type: integer
        data:
          items:
            $ref: '#/components/schemas/PaymentApi'
          type: array
        next_page:
          default: null
          type: string
          nullable: true
        page_size:
          type: integer
        previous_page:
          default: null
          type: string
          nullable: true
        total:
          default: null
          type: integer
          nullable: true
      required:
      - count
      - page_size
      type: object
    PaymentApi:
      properties:
        amount:
          type: integer
        charged_back_payment_id:
          default: null
          nullable: true
        currency:
          default: EUR
          enum:
          - EUR
          - GBP
          type: string
        failure_reason:
          default: null
          type: string
          nullable: true
        from_account_details:
          allOf:
          - $ref: '#/components/schemas/APILightAccountDetails'
          default: null
          nullable: true
        from_references:
          items:
            type: string
          type: array
        id:
          format: uuid
          type: string
        is_instant:
          default: false
          type: boolean
        paid_at:
          default: null
          format: date-time
          type: string
          nullable: true
        payment_method:
          default: null
          enum:
          - DIRECT_DEBIT
          - P2P
          - SCT
          - null
          type: string
          nullable: true
        payment_type:
          enum:
          - CHANNEL_VERIFICATION
          - CHARGEBACK
          - DEPOSIT_FUNDING
          - DEPOSIT_RELEASE
          - DEPOSIT_WITHDRAWAL
          - EXTRA
          - INTERNAL
          - LENDER_DEBT_RESOLUTION
          - LENDER_PREFUNDING
          - LENDER_REPURCHASE
          - LOAN_PAYMENT
          - LOAN_PURCHASE
          - PAYMENT_PROVIDER_FEES
          - PLATFORM
          - REFUND
          - REPAYMENT_FEES
          - REPAYMENT_FULL
          - REPAYMENT_NOMINAL
          - RETURNED
          - REVENUE_SHARE
          - REVERT
          - SUBSCRIPTION
          type: string
        provider:
          allOf:
          - $ref: '#/components/schemas/ProviderPaymentID'
          default: null
          nullable: true
        reason:
          default: null
          type: string
          nullable: true
        related_to:
          $ref: '#/components/schemas/PaymentRelationApi'
        scheduled_at:
          default: null
          format: date-time
          type: string
          nullable: true
        status:
          enum:
          - CANCELED
          - FAILED
          - INSTRUCTED
          - IN_TRANSIT
          - PAID
          - PROPOSED
          - SCHEDULED
          type: string
        to_account_details:
          allOf:
          - $ref: '#/components/schemas/APILightAccountDetails'
          default: null
          nullable: true
        to_references:
          items:
            type: string
          type: array
      required:
      - amount
      - id
      - payment_type
      - status
      type: object
    BillPayment:
      properties:
        amount:
          type: integer
        bill_id:
          format: uuid
          type: string
        payment_id:
          default: null
          nullable: true
      required:
      - amount
      - bill_id
      type: object
    PaymentRelationApi:
      properties:
        bills:
          items:
            $ref: '#/components/schemas/BillPayment'
          type: array
        invoices:
          items:
            format: uuid
            type: string
          type: array
        loans:
          items:
            $ref: '#/components/schemas/LoanPaymentApi'
          type: array
        payment_intents:
          items:
            $ref: '#/components/schemas/PaymentXPaymentIntentApi'
          type: array
        subscriptions:
          items:
            $ref: '#/components/schemas/SubscriptionPaymentRelation'
          type: array
      type: object
    ApiPostInstallmentPlan:
      properties:
        from_account:
          allOf:
          - $ref: '#/components/schemas/AccountCreation'
          default: null
          nullable: true
        installments:
          items:
            $ref: '#/components/schemas/ApiPostInstallment'
          type: array
        payment_method:
          enum:
          - DIRECT_DEBIT
          - P2P
          - SCT
          type: string
        salt_id:
          default: null
          type: string
          nullable: true
      required:
      - installments
      - payment_method
      type: object
    TypedApiPage6:
      properties:
        count:
          type: integer
        data:
          items:
            $ref: '#/components/schemas/APIInstallment'
          type: array
        next_page:
          default: null
          type: string
          nullable: true
        page_size:
          type: integer
        previous_page:
          default: null
          type: string
          nullable: true
        total:
          default: null
          type: integer
          nullable: true
      required:
      - count
      - page_size
      type: object
    ApiPostInstallmentLoan:
      properties:
        amount:
          type: integer
        loan_id:
          format: uuid
          type: string
      required:
      - amount
      - loan_id
      type: object
    ApiPostInstallment:
      properties:
        amount:
          type: integer
        date:
          format: date-time
          type: string
        loans:
          items:
            $ref: '#/components/schemas/ApiPostInstallmentLoan'
          type: array
        reference:
          default: null
          type: string
          nullable: true
      required:
      - amount
      - date
      - loans
      type: object
    AccountSourceInformation:
      properties:
        datasource_unique_id:
          default: null
          type: string
          nullable: true
        id:
          type: string
        name:
          enum:
          - AXONAUT_DEFACTO_API
          - BRIDGE
          - CEFIN_DEFACTO_API
          - FINAPI
          - IRMA_DEFACTO_API
          - LEANO_DEFACTO_API
          - LIBEO_DEFACTO_API
          - PENNYLANE_DEFACTO_API
          - PENNYLANE_REDSHIFT
          - QONTO
          - STEMSCAPE_DEFACTO_API
          - SUPER_DEFACTO_API
          type: string
      required:
      - id
      - name
      type: object
    ApiPaymentIntent:
      properties:
        amount:
          type: integer
        date:
          format: date-time
          type: string
        id:
          format: uuid
          type: string
        status:
          enum:
          - CANCELED
          - DRAFT
          - INSTRUCTED
          - IN_TRANSIT
          - ISSUE_DETECTED
          - PAID
          - PARTIALLY_PAID
          - PROPOSED
          - SCHEDULED
          - WAITING
          type: string
      required:
      - amount
      - date
      - id
      - status
      type: object
    APILightAccountDetails:
      properties:
        account_number:
          description: The account identifier. Only IBANs are supported at the moment.
          type: string
        account_number_type:
          description: The type of account number (e.g. IBAN).
          enum:
          - account_number
          - iban
          - internal_id
          type: string
        bank_identifier:
          description: The identifier of the bank.
          type: string
        bank_identifier_type:
          description: The type of bank identifier (e.g. BIC).
          enum:
          - bic
          - name
          - routing_number
          - undefined
          type: string
      required:
      - account_number
      - account_number_type
      - bank_identifier
      - bank_identifier_type
      type: object
    APIInstallment:
      properties:
        attempts:
          items:
            $ref: '#/components/schemas/APIInstallmentPaymentAttempt'
          type: array
        currency:
          enum:
          - EUR
          - GBP
          type: string
        due_amount:
          type: integer
        from_account_detail:
          allOf:
          - $ref: '#/components/schemas/APILightAccountDetails'
          default: null
          nullable: true
        id:
          format: uuid
          type: string
        last_repayment_date:
          default: null
          format: date-time
          type: string
          nullable: true
        paid_amount:
          type: integer
        payment_method:
          enum:
          - DIRECT_DEBIT
          - P2P
          - SCT
          type: string
        reference:
          type: string
        scheduled_at:
          format: date-time
          type: string
        to_account_detail:
          $ref: '#/components/schemas/APILightAccountDetails'
      required:
      - attempts
      - currency
      - due_amount
      - id
      - paid_amount
      - payment_method
      - reference
      - scheduled_at
      - to_account_detail
      type: object
    LoanPaymentApi:
      properties:
        amount:
          type: integer
        deposit_id:
          default: null
          nullable: true
        loan_id:
          format: uuid
          type: string
        payment_type:
          enum:
          - CHANNEL_VERIFICATION
          - CHARGEBACK
          - DEPOSIT_FUNDING
          - DEPOSIT_RELEASE
          - DEPOSIT_WITHDRAWAL
          - EXTRA
          - INTERNAL
          - LENDER_DEBT_RESOLUTION
          - LENDER_PREFUNDING
          - LENDER_REPURCHASE
          - LOAN_PAYMENT
          - LOAN_PURCHASE
          - PAYMENT_PROVIDER_FEES
          - PLATFORM
          - REFUND
          - REPAYMENT_FEES
          - REPAYMENT_FULL
          - REPAYMENT_NOMINAL
          - RETURNED
          - REVENUE_SHARE
          - REVERT
          - SUBSCRIPTION
          type: string
      required:
      - amount
      - loan_id
      - payment_type
      type: object
    SubscriptionPaymentRelation:
      properties:
        amount_cents:
          type: integer
        subscription_id:
          format: uuid
          type: string
      required:
      - amount_cents
      - subscription_id
      type: object
    APIInstallmentPaymentAttempt:
      properties:
        amount:
          type: integer
        currency:
          enum:
          - EUR
          - GBP
          type: string
        failure_reason:
          default: null
          type: string
          nullable: true
        paid_at:
          default: null
          format: date-time
          type: string
          nullable: true
        payment_id:
          format: uuid
          type: string
        payment_method:
          enum:
          - DIRECT_DEBIT
          - P2P
          - SCT
          type: string
        payment_type:
          enum:
          - CHANNEL_VERIFICATION
          - CHARGEBACK
          - DEPOSIT_FUNDING
          - DEPOSIT_RELEASE
          - DEPOSIT_WITHDRAWAL
          - EXTRA
          - INTERNAL
          - LENDER_DEBT_RESOLUTION
          - LENDER_PREFUNDING
          - LENDER_REPURCHASE
          - LOAN_PAYMENT
          - LOAN_PURCHASE
          - PAYMENT_PROVIDER_FEES
          - PLATFORM
          - REFUND
          - REPAYMENT_FEES
          - REPAYMENT_FULL
          - REPAYMENT_NOMINAL
          - RETURNED
          - REVENUE_SHARE
          - REVERT
          - SUBSCRIPTION
          type: string
        reference:
          type: string
        scheduled_at:
          format: date-time
          type: string
        status:
          enum:
          - CANCELED
          - FAILED
          - INSTRUCTED
          - IN_TRANSIT
          - PAID
          - PROPOSED
          - SCHEDULED
          type: string
      required:
      - amount
      - currency
      - payment_id
      - payment_method
      - payment_type
      - reference
      - scheduled_at
      - status
      type: object
    PaymentXPaymentIntentApi:
      properties:
        amount:
          type: integer
        payment_intent_id:
          format: uuid
          type: string
        payment_type:
          enum:
          - CHANNEL_VERIFICATION
          - CHARGEBACK
          - DEPOSIT_FUNDING
          - DEPOSIT_RELEASE
          - DEPOSIT_WITHDRAWAL
          - EXTRA
          - INTERNAL
          - LENDER_DEBT_RESOLUTION
          - LENDER_PREFUNDING
          - LENDER_REPURCHASE
          - LOAN_PAYMENT
          - LOAN_PURCHASE
          - PAYMENT_PROVIDER_FEES
          - PLATFORM
          - REFUND
          - REPAYMENT_FEES
          - REPAYMENT_FULL
          - REPAYMENT_NOMINAL
          - RETURNED
          - REVENUE_SHARE
          - REVERT
          - SUBSCRIPTION
          type: string
      required:
      - amount
      - payment_intent_id
      - payment_type
      type: object
    ProviderPaymentID:
      properties:
        failure_reason:
          default: null
          type: string
          nullable: true
        initial_payment_id:
          default: null
          type: string
          nullable: true
        name:
          enum:
          - LEMONWAY
          - MEMOBANK
          - NUMERAL
          - SANDBOX
          - SWAN
          - TEST
          type: string
        original_id:
          default: null
          type: string
          nullable: true
        override_reconciliation_id:
          default: null
          type: string
          nullable: true
        payment_id:
          default: null
          type: string
          nullable: true
      required:
      - name
      type: object
    BusinessIdentifierRequired:
      properties:
        identifier:
          type: string
        identifier_type:
          enum:
          - belgium_registration_number
          - bsn
          - cif
          - hr_nummer
          - kvk
          - name
          - nif
          - siren
          - siret
          - steuernummer
          - vat_number
          type: string
      required:
      - identifier
      - identifier_type
      type: object
    ApiInstallmentPlan:
      properties:
        business_identifier:
          $ref: '#/components/schemas/BusinessIdentifierRequired'
        id:
          format: uuid
          type: string
        installments:
          items:
            $ref: '#/components/schemas/ApiPaymentIntent'
          type: array
        loan_ids:
          items:
            format: uuid
            type: string
          type: array
      required:
      - business_identifier
      - id
      - installments
      - loan_ids
      type: object
  securitySchemes:
    Bearer:
      in: header
      name: Authorization
      type: apiKey