openapi: 3.0.0
info:
  title: Defacto Accounting Sharing business data 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: Sharing business data
paths:
  /business/data/account-transactions:
    post:
      description: '

        Upload bank account transactions into our platform to refine borrower

        credit line allowance.


        This endpoint doesn''t support updates on data already uploaded.


        The <code>account</code> field of the transactions should match the <code>id</code> field of the

        accounts you share with the POST /business/data/accounts endpoint.

        '
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/APIPartnerAccountTransactions'
      responses:
        '204':
          description: ''
          content:
            '*/*':
              schema: {}
      security:
      - Bearer: []
      tags:
      - Sharing business data
      operationId: post_business-data-account-transactions
      summary: /business/data/account-transactions
  /business/data/accounts:
    post:
      description: '

        Upload bank account balances into our platform to refine borrower credit

        line allowance.


        This endpoint doesn''t support updates on data already uploaded.


        The <code>id</code> field of the accounts should match the <code>account</code> field of the

        transactions you share with the POST /business/data/account-transactions endpoint. If you only

        have the IBAN of the account, the IBAN being a unique identifier, you can use the IBAN in both

        <code>id</code> and <code>account_number</code>.

        '
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/APIPartnerBusinessAccounts'
      responses:
        '204':
          description: ''
          content:
            '*/*':
              schema: {}
      security:
      - Bearer: []
      tags:
      - Sharing business data
      operationId: post_business-data-accounts
      summary: /business/data/accounts
  /business/data/batch-upload/{batch_id}/close:
    post:
      description: '

        Close a batch of upload started with POST /business/data/batch-upload.


        This operation is a required one. Otherwise no data of the batch will be used.

        '
      parameters:
      - in: path
        name: batch_id
        required: true
        schema:
          type: string
      responses:
        '200':
          description: ''
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/APIBatchUpload'
      security:
      - Bearer: []
      tags:
      - Sharing business data
      operationId: post_business-data-batch-upload-batch-id-close
      summary: /business/data/batch-upload/{batch_id}/close
  /business/data/batch-upload:
    post:
      description: '

        Create a batch to upload data about a particular business.


        This endpoint returns an <code>id</code> that should be put into all /business/data/XXX endpoints.


        **Why use batch?**

        - with the batch, you can send accounts transactions in chunks instead of sending them all in a single API call

        - with the batch, you can share more <code>context</code> (see parameter below) with us which enables us to update credit lines more accurately

        '
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/APICreateBatchUpload'
      responses:
        '201':
          description: ''
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/APIBatchUpload'
      security:
      - Bearer: []
      tags:
      - Sharing business data
      operationId: post_business-data-batch-upload
      summary: /business/data/batch-upload
  /business/data/invoices:
    post:
      description: '

        Upload business invoices into our platform to refine borrower credit

        line allowance.


        This endpoint doesn''t support updates on data already uploaded.

        '
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/APIPartnerBusinessInvoices'
      responses:
        '204':
          description: ''
          content:
            '*/*':
              schema: {}
      security:
      - Bearer: []
      tags:
      - Sharing business data
      operationId: post_business-data-invoices
      summary: /business/data/invoices
components:
  schemas:
    APIPartnerAccountTransactions:
      properties:
        batch_id:
          default: null
          description: Id of the batch you created with POST /business/data/batch-upload. This is a recommended feature.
          format: uuid
          type: string
          nullable: true
        end_date:
          default: null
          description: End date of the financials you're sending.
          format: date-time
          type: string
          nullable: true
        identifier:
          description: Legal identifier of the business, such as its SIRET or SIREN in France. Must not contain spaces.
          type: string
        identifier_type:
          description: Type of legal business identifier of the business, such as the SIRET in France.
          enum:
          - belgium_registration_number
          - bsn
          - cif
          - hr_nummer
          - kvk
          - name
          - nif
          - siren
          - siret
          - steuernummer
          - vat_number
          type: string
        start_date:
          default: '0001-01-01T00:00:00'
          description: Start date of the financials you're sending.
          format: date-time
          type: string
          nullable: true
        transactions:
          description: List of account transactions of the business.
          items:
            $ref: '#/components/schemas/APIPartnerAccountTransaction'
          type: array
      required:
      - identifier
      - identifier_type
      type: object
    BatchUploadContent:
      properties:
        account_transactions:
          default: null
          nullable: true
        accounts:
          allOf:
          - $ref: '#/components/schemas/BatchUploadContentAccounts'
          default: null
          nullable: true
        invoices:
          allOf:
          - $ref: '#/components/schemas/BatchUploadContentInvoices'
          default: null
          nullable: true
        shared_data_types:
          items:
            enum:
            - account_transactions
            - accounts
            - invoices
            type: string
          type: array
      type: object
    BatchUploadContentAccounts:
      properties:
        total_count:
          type: integer
      required:
      - total_count
      type: object
    BatchUploadContentAccountTransactionsOneAccount:
      properties:
        account:
          type: string
        end_date:
          format: date-time
          type: string
        start_date:
          format: date-time
          type: string
      required:
      - account
      - end_date
      - start_date
      type: object
    APIPartnerBusinessInvoice:
      properties:
        buyer:
          allOf:
          - $ref: '#/components/schemas/BuyerBusinessIdentifier'
          description: Name or business identifier of the buyer (the billed business)
        currency:
          default: EUR
          description: Currency of the invoice. Use ISO 4217 currency code.
          enum:
          - AED
          - AUD
          - BGN
          - BHD
          - BRL
          - BZD
          - CAD
          - CHF
          - CLP
          - CNY
          - COP
          - CUC
          - CYP
          - CZK
          - DJF
          - DKK
          - EEK
          - EGP
          - ERN
          - EUR
          - GBP
          - HKD
          - HRK
          - HUF
          - IDR
          - ILS
          - INR
          - ISK
          - JOD
          - JPY
          - KMF
          - KRW
          - LBP
          - LTL
          - LVL
          - MAD
          - MTL
          - MUR
          - MXN
          - MYR
          - NOK
          - NZD
          - OMR
          - PAB
          - PHP
          - PKR
          - PLN
          - QAR
          - ROL
          - RON
          - RUB
          - SAR
          - SEK
          - SGD
          - SIT
          - SKK
          - THB
          - TRL
          - TRY
          - UGX
          - USD
          - XAF
          - XOF
          - ZAR
          type: string
        direction:
          description: 'Is the invoice a ''receivable'' or a ''payable''.Depecrated: ''customer'' or ''supplier'' if the business is the customer or the supplier on the invoice ?'
          enum:
          - customer
          - payable
          - receivable
          - supplier
          type: string
        due_at:
          description: Expected date when this invoice will be fully paid.
          format: date-time
          type: string
        first_payment_at:
          default: null
          description: Earliest payment date this invoice already received.
          format: date-time
          type: string
          nullable: true
        invoice_number:
          description: Invoice number as displayed on the invoice
          type: string
        issued_at:
          description: Invoice creation date displayed on the invoice.
          format: date-time
          type: string
        last_payment_at:
          default: null
          description: Latest payment date this invoice already received.
          format: date-time
          type: string
          nullable: true
        net_amount:
          description: Amount before tax, in cents
          type: integer
        payment_method:
          default: null
          description: Expected payment method that will be used to pay this invoice.
          enum:
          - card
          - cheque
          - direct_debit
          - other
          - wire_transfer
          - null
          type: string
          nullable: true
        salt_id:
          default: null
          description: Unique invoice identifier.
          type: string
          nullable: true
        seller:
          allOf:
          - $ref: '#/components/schemas/SellerBusinessIdentifier'
          description: Name or business identifier of the seller (the business who bills). Must be a normalized identifier (not a name).
        tax_amount:
          default: null
          description: Amount of tax, in cents
          type: integer
          nullable: true
        to_pay_amount:
          default: null
          description: Remaining amount due by buyer to seller, in cents. Set at 0 for fully paid invoices.
          type: integer
          nullable: true
        total_amount:
          default: null
          description: Sum of net amount and tax amount, in cents
          type: integer
          nullable: true
      required:
      - buyer
      - direction
      - due_at
      - invoice_number
      - issued_at
      - net_amount
      - seller
      type: object
    BuyerBusinessIdentifier:
      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
    SellerBusinessIdentifier:
      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
    APIBatchUploadContent:
      properties:
        account_transactions:
          default: null
          items:
            $ref: '#/components/schemas/BatchUploadContentAccountTransactionsOneAccount'
          type: array
          nullable: true
        accounts:
          allOf:
          - $ref: '#/components/schemas/BatchUploadContentAccounts'
          default: null
          nullable: true
        invoices:
          allOf:
          - $ref: '#/components/schemas/BatchUploadContentInvoices'
          default: null
          nullable: true
        shared_data_types:
          items:
            enum:
            - account_transactions
            - accounts
            - invoices
            type: string
          type: array
      type: object
    APIPartnerAccountTransaction:
      properties:
        account:
          default: null
          description: Business bank account identifier or reference
          type: string
          nullable: true
        amount:
          description: Total amount of the transaction.
          type: integer
        at:
          description: Date of the transaction
          format: date-time
          type: string
        category:
          default: null
          description: Category of this transaction (expense, salaries ...)
          type: string
          nullable: true
        counterparty_name:
          default: null
          description: Business name of the transaction counterparty
          type: string
          nullable: true
        currency:
          default: EUR
          description: Transaction currency
          enum:
          - AED
          - AUD
          - BGN
          - BHD
          - BRL
          - BZD
          - CAD
          - CHF
          - CLP
          - CNY
          - COP
          - CUC
          - CYP
          - CZK
          - DJF
          - DKK
          - EEK
          - EGP
          - ERN
          - EUR
          - GBP
          - HKD
          - HRK
          - HUF
          - IDR
          - ILS
          - INR
          - ISK
          - JOD
          - JPY
          - KMF
          - KRW
          - LBP
          - LTL
          - LVL
          - MAD
          - MTL
          - MUR
          - MXN
          - MYR
          - NOK
          - NZD
          - OMR
          - PAB
          - PHP
          - PKR
          - PLN
          - QAR
          - ROL
          - RON
          - RUB
          - SAR
          - SEK
          - SGD
          - SIT
          - SKK
          - THB
          - TRL
          - TRY
          - UGX
          - USD
          - XAF
          - XOF
          - ZAR
          type: string
        operation_type:
          default: null
          description: Source or payment method of this transaction
          enum:
          - account_remuneration
          - card
          - card_acquirer_payout
          - cheque
          - direct_debit
          - direct_debit_collection
          - direct_debit_hold
          - financing_installment
          - income
          - nrc_payment
          - other
          - pay_later
          - qonto_fee
          - recall
          - swift_income
          - transfer
          - null
          type: string
          nullable: true
        provider:
          default: null
          description: The provider of this transaction (e.g. bridge, plaid...). "MANUAL" if manually imported.
          type: string
          nullable: true
        reference:
          default: null
          description: Bank reference for the transaction
          type: string
          nullable: true
        salt_id:
          default: null
          description: Unique identifier of this transaction
          type: string
          nullable: true
        settled_balance:
          default: null
          description: Balance of the business bank account right after this transaction was processed
          type: integer
          nullable: true
        side:
          default: null
          description: Is the transaction a debit or a credit operation.
          enum:
          - credit
          - debit
          - null
          type: string
          nullable: true
        status:
          default: null
          enum:
          - completed
          - declined
          - deleted
          - pending
          - null
          type: string
          nullable: true
      required:
      - amount
      - at
      type: object
    BatchUploadContentInvoices:
      properties:
        total_count:
          type: integer
      required:
      - total_count
      type: object
    APIPartnerBusinessInvoices:
      properties:
        batch_id:
          default: null
          description: Id of the batch you created with POST /business/data/batch-upload. This is a recommended feature.
          format: uuid
          type: string
          nullable: true
        identifier:
          description: Legal identifier of the business, such as its SIRET or SIREN in France. Must not contain spaces.
          type: string
        identifier_type:
          description: Type of legal business identifier of the business, such as the SIRET in France.
          enum:
          - belgium_registration_number
          - bsn
          - cif
          - hr_nummer
          - kvk
          - name
          - nif
          - siren
          - siret
          - steuernummer
          - vat_number
          type: string
        invoices:
          description: List of invoices of the business.
          items:
            $ref: '#/components/schemas/APIPartnerBusinessInvoice'
          type: array
      required:
      - identifier
      - identifier_type
      type: object
    APIBatchUpload:
      properties:
        business_identifier:
          $ref: '#/components/schemas/BusinessIdentifierRequired'
        content:
          $ref: '#/components/schemas/BatchUploadContent'
        context:
          enum:
          - BORROWER_CREATION
          - DATA_REFRESH
          type: string
        id:
          format: uuid
          type: string
        status:
          enum:
          - CANCELED
          - CLOSED
          - CLOSING_IN_PROGRESS
          - CLOSING_SCHEDULED
          - CREATED
          type: string
      required:
      - business_identifier
      - content
      - context
      - id
      - status
      type: object
    APIPartnerBusinessAccount:
      properties:
        account_name:
          default: null
          description: A name given to this account. Any name can be given.
          type: string
          nullable: true
        account_number:
          default: null
          description: The account identifier. Only IBANs are supported at the moment.
          type: string
          nullable: true
        account_number_type:
          default: null
          description: The type of account number (e.g. IBAN).
          enum:
          - account_number
          - iban
          - internal_id
          - null
          type: string
          nullable: true
        amount:
          description: Balance of the bank account.
          type: integer
        bank_identifier:
          default: null
          description: The identifier of the bank.
          type: string
          nullable: true
        bank_identifier_type:
          default: null
          description: The type of bank identifier (e.g. BIC).
          enum:
          - bic
          - name
          - routing_number
          - undefined
          - null
          type: string
          nullable: true
        id:
          description: Unique bank account identifier.
          type: string
        last_updated_at:
          description: Date of last balance update.
          format: date-time
          type: string
        provider:
          default: null
          description: The provider of this account (e.g. bridge, plaid...). "MANUAL" if manually imported.
          type: string
          nullable: true
      required:
      - amount
      - id
      - last_updated_at
      type: object
    APIPartnerBusinessAccounts:
      properties:
        accounts:
          description: List of accounts balances of the business.
          items:
            $ref: '#/components/schemas/APIPartnerBusinessAccount'
          type: array
        batch_id:
          default: null
          description: Id of the batch you created with POST /business/data/batch-upload. This is a recommended feature.
          format: uuid
          type: string
          nullable: true
        identifier:
          description: Legal identifier of the business, such as its SIRET or SIREN in France. Must not contain spaces.
          type: string
        identifier_type:
          description: Type of legal business identifier of the business, such as the SIRET in France.
          enum:
          - belgium_registration_number
          - bsn
          - cif
          - hr_nummer
          - kvk
          - name
          - nif
          - siren
          - siret
          - steuernummer
          - vat_number
          type: string
      required:
      - identifier
      - identifier_type
      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
    APICreateBatchUpload:
      properties:
        auto_cancel_ongoing_batch_for_business:
          default: true
          type: boolean
        business_identifier:
          $ref: '#/components/schemas/BusinessIdentifierRequired'
        content:
          $ref: '#/components/schemas/APIBatchUploadContent'
        context:
          enum:
          - BORROWER_CREATION
          - DATA_REFRESH
          type: string
      required:
      - business_identifier
      - content
      - context
      type: object
  securitySchemes:
    Bearer:
      in: header
      name: Authorization
      type: apiKey