openapi: 3.1.0
info:
  title: Embat AccountingAccounts DebtScheduleConfigs API
  description: Embat API enables connections between any third party application and Embat. Is organized around REST principles, using HTTP responses code and returning data in JSON format. While testing the API, you have to request **sandbox credentials**.
  contact:
    name: API Support
    url: https://embat.io/
    email: tech@embat.io
  version: 2.120.3
  x-logo:
    url: https://storage.googleapis.com/embat-production.appspot.com/assets/embat_dark.svg
tags:
- name: DebtScheduleConfigs
  description: '<div style="background-color:#fff3cd; color:#856404; padding: 10px; border-left: 6px solid #ffeeba;">

    <strong>⚠️ Warning:</strong> This API section is in BETA. It might undergo significant changes and may not be stable.

    </div>


    <code>Debt Schedule Config</code> represents the amortization schedule configured for a debt product: payment frequency, interest rate, outstanding and granted balances, and the full calendar of scheduled payments broken down into principal, interest and tax components.


    A debt schedule config is linked to the `Bank` relationship the debt is held with (`bankId`) and to two `Products`: the `debtProductId` being amortized and the product used to pay each installment (`settlementAccountId`, returned as `settlementProductId`).


    **Typical flow:** debt schedule configurations are read-only from this API — they are set up in Embat and exposed here for consumption.


    1. **List configurations** with `GET /debtscheduleconfigs/{companyId}`, optionally filtering by `startUpdatedAt`/`endUpdatedAt` to read only what changed since your last poll.

    2. **Retrieve a single configuration** with `GET /debtscheduleconfigs/{companyId}/{id}` to get its full payment calendar (`debtSchedulePaymentsCalendar`).

    '
paths:
  /debtscheduleconfigs/{companyId}:
    get:
      tags:
      - DebtScheduleConfigs
      summary: List debt schedule configs
      description: 'Returns the debt schedule configurations of a company. Results are ordered by last modification time, most recent first, and paginated: use `limit` to control page size and pass the returned `nextPageToken` to fetch the next page. `startUpdatedAt` (inclusive) and `endUpdatedAt` (exclusive) filter by last modification time, which is useful for incremental synchronization.'
      operationId: list_debt_schedule_configs_debtscheduleconfigs__companyId__get
      security:
      - HTTPBearer: []
      parameters:
      - name: companyId
        in: path
        required: true
        schema:
          type: string
          title: Companyid
      - name: startUpdatedAt
        in: query
        required: false
        schema:
          type: string
          format: date-time
          description: Only return configurations last modified on or after this timestamp (inclusive).
          title: Startupdatedat
        description: Only return configurations last modified on or after this timestamp (inclusive).
      - name: endUpdatedAt
        in: query
        required: false
        schema:
          type: string
          format: date-time
          description: Only return configurations last modified before this timestamp (exclusive).
          title: Endupdatedat
        description: Only return configurations last modified before this timestamp (exclusive).
      - name: limit
        in: query
        required: false
        schema:
          type: integer
          maximum: 50
          title: Response length of objects limit
          description: Maximum number of objects to return in the response. Default 10, maximum 50.
          default: 10
        description: Maximum number of objects to return in the response. Default 10, maximum 50.
      - name: nextPageToken
        in: query
        required: false
        schema:
          type: string
          title: Pagination token
          description: Token to fetch the next page of results, taken from the `nextPageToken` returned by the previous request with the same filters. Omit it to fetch the first page. An invalid or malformed token is rejected with `404`.
        description: Token to fetch the next page of results, taken from the `nextPageToken` returned by the previous request with the same filters. Omit it to fetch the first page. An invalid or malformed token is rejected with `404`.
      responses:
        '200':
          description: Successful Response
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ListDebtScheduleConfigsResponseSchema'
        '401':
          description: Unauthorized. The bearer token is missing, invalid or expired.
          content:
            application/json:
              example:
                detail: user not authorized
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '404':
          description: Company not found, or invalid `nextPageToken`.
          content:
            application/json:
              example:
                detail: 0021 companyId not found
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '422':
          description: Validation Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/HTTPValidationError'
  /debtscheduleconfigs/{companyId}/{id}:
    get:
      tags:
      - DebtScheduleConfigs
      summary: Retrieve debt schedule config
      description: Returns a single debt schedule configuration by its Embat `id`.
      operationId: retrieve_debt_schedule_config_debtscheduleconfigs__companyId___id__get
      security:
      - HTTPBearer: []
      parameters:
      - name: id
        in: path
        required: true
        schema:
          type: string
          title: Id
      - name: companyId
        in: path
        required: true
        schema:
          type: string
          title: Companyid
      responses:
        '200':
          description: Successful Response
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/GetDebtScheduleConfigResponseSchema'
        '401':
          description: Unauthorized. The bearer token is missing, invalid or expired.
          content:
            application/json:
              example:
                detail: user not authorized
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '404':
          description: Company not found, or no debt schedule configuration matches the given `id`.
          content:
            application/json:
              example:
                detail: 0021 companyId not found
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '422':
          description: Validation Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/HTTPValidationError'
components:
  schemas:
    DebtScheduleConfigSchema:
      properties:
        amortisingFrequency:
          $ref: '#/components/schemas/AmortisingFrequencyEnum'
          description: 'Frequency at which principal is amortized: `monthly`, `quarterly`, `semiannually` or `yearly`.'
        outstandingBalance:
          type: number
          title: Outstandingbalance
          description: Balance still pending repayment, in the debt schedule `currency`.
          examples:
          - 100000.0
        grantedBalance:
          type: number
          title: Grantedbalance
          description: Original balance granted for this debt, in the debt schedule `currency`.
          examples:
          - 120000.0
        totalPeriods:
          type: integer
          title: Totalperiods
          description: Total number of payment periods in the schedule.
          examples:
          - 12
        nextPaymentDate:
          type: string
          format: date-time
          title: Nextpaymentdate
          description: Due date of the next scheduled payment.
        lastPaymentDate:
          type: string
          format: date-time
          title: Lastpaymentdate
          description: Due date of the last scheduled payment (maturity date).
        taxRate:
          anyOf:
          - type: number
          - type: 'null'
          title: Taxrate
          description: Tax rate applied to payments, if any. `null` when no tax applies.
          examples:
          - 0.02
        annualInterestRateOrSpread:
          type: number
          title: Annualinterestrateorspread
          description: Annual interest rate for `fixed` debt, or the spread applied over the reference rate for `variable` debt (see `interestType`).
          examples:
          - 0.045
        interestType:
          $ref: '#/components/schemas/InterestTypeEnum'
          description: 'Interest rate type: `fixed` or `variable`.'
      type: object
      required:
      - amortisingFrequency
      - outstandingBalance
      - grantedBalance
      - totalPeriods
      - nextPaymentDate
      - lastPaymentDate
      - annualInterestRateOrSpread
      - interestType
      title: DebtScheduleConfigSchema
    ListDebtScheduleConfigsResponseSchema:
      properties:
        data:
          items:
            $ref: '#/components/schemas/GetDebtScheduleConfigResponseSchema'
          type: array
          title: Data
          description: Debt schedule configurations matching the query.
        nextPageToken:
          anyOf:
          - type: string
          - type: 'null'
          title: Nextpagetoken
          description: Token to fetch the next page of results. `null` when there are no more pages.
      type: object
      required:
      - data
      title: ListDebtScheduleConfigsResponseSchema
    ErrorResponse:
      properties:
        detail:
          type: string
          title: Detail
          description: Human-readable explanation of the error.
          examples:
          - user not authorized
      type: object
      required:
      - detail
      title: ErrorResponse
      description: Error payload returned by the API (FastAPI `detail` convention).
    CurrencyEnum:
      type: string
      enum:
      - AED
      - AFN
      - ALL
      - AMD
      - ANG
      - AOA
      - ARS
      - AUD
      - AWG
      - AZN
      - BAM
      - BBD
      - BDT
      - BGN
      - BHD
      - BIF
      - BMD
      - BND
      - BOB
      - BOV
      - BRL
      - BSD
      - BTC
      - BTN
      - BWP
      - BYN
      - BZD
      - CAD
      - CDF
      - CHE
      - CHF
      - CHW
      - CLF
      - CLP
      - CNH
      - CNY
      - COP
      - COU
      - CRC
      - CUP
      - CVE
      - CZK
      - DJF
      - DKK
      - DOP
      - DZD
      - EEK
      - EGP
      - ERN
      - ETB
      - ETH
      - EUR
      - FJD
      - FKP
      - GBP
      - GEL
      - GHS
      - GIP
      - GMD
      - GNF
      - GTQ
      - GYD
      - HKD
      - HNL
      - HRK
      - HTG
      - HUF
      - IDR
      - ILS
      - INR
      - IQD
      - IRR
      - ISK
      - JMD
      - JOD
      - JPY
      - KES
      - KGS
      - KHR
      - KMF
      - KPW
      - KRW
      - KWD
      - KYD
      - KZT
      - LAK
      - LBP
      - LKR
      - LRD
      - LSL
      - LTC
      - LTL
      - LVL
      - LYD
      - MAD
      - MDL
      - MGA
      - MKD
      - MMK
      - MNT
      - MOP
      - MRU
      - MUR
      - MVR
      - MWK
      - MXN
      - MXV
      - MYR
      - MZN
      - NAD
      - NGN
      - NIO
      - NOK
      - NPR
      - NZD
      - OMR
      - PAB
      - PEN
      - PGK
      - PHP
      - PKR
      - PLN
      - PYG
      - QAR
      - RON
      - RSD
      - RUB
      - RWF
      - SAR
      - SBD
      - SCR
      - SDG
      - SEK
      - SGD
      - SHP
      - SLE
      - SOS
      - SRD
      - SSP
      - STN
      - SVC
      - SYP
      - SZL
      - THB
      - TJS
      - TMT
      - TND
      - TOP
      - TRY
      - TTD
      - TWD
      - TZS
      - UAH
      - UGX
      - USD
      - USN
      - UYI
      - UYU
      - UYW
      - UZS
      - VED
      - VEF
      - VES
      - VND
      - VUV
      - WST
      - XAF
      - XAG
      - XAU
      - XBA
      - XBB
      - XBC
      - XBD
      - XCD
      - XDR
      - XOF
      - XPD
      - XPF
      - XPT
      - XSU
      - XTS
      - XUA
      - XXX
      - YER
      - ZAR
      - ZMK
      - ZMW
      - ZWG
      - ZWL
      title: CurrencyEnum
    DebtSchedulePaymentSchema:
      properties:
        period:
          type: integer
          title: Period
          description: Period number in the amortization schedule, starting at 1.
          examples:
          - 1
        date:
          type: string
          format: date-time
          title: Date
          description: Due date of this scheduled payment.
        principalPayment:
          type: number
          title: Principalpayment
          description: Principal portion of the payment, in the debt schedule `currency`.
          examples:
          - 8333.33
        interestPayment:
          type: number
          title: Interestpayment
          description: Interest portion of the payment, in the debt schedule `currency`.
          examples:
          - 416.67
        taxPayment:
          type: number
          title: Taxpayment
          description: Tax portion of the payment, in the debt schedule `currency`. `0` when no tax applies.
          examples:
          - 0.0
        totalPayment:
          type: number
          title: Totalpayment
          description: Total amount due for this period, in the debt schedule `currency` (`principalPayment` + `interestPayment` + `taxPayment`).
          examples:
          - 8750.0
      type: object
      required:
      - period
      - date
      - principalPayment
      - interestPayment
      - taxPayment
      - totalPayment
      title: DebtSchedulePaymentSchema
    HTTPValidationError:
      properties:
        detail:
          items:
            $ref: '#/components/schemas/ValidationError'
          type: array
          title: Detail
      type: object
      title: HTTPValidationError
    ValidationError:
      properties:
        loc:
          items:
            anyOf:
            - type: string
            - type: integer
          type: array
          title: Location
        msg:
          type: string
          title: Message
        type:
          type: string
          title: Error Type
        input:
          title: Input
        ctx:
          type: object
          title: Context
      type: object
      required:
      - loc
      - msg
      - type
      title: ValidationError
    AmortisingFrequencyEnum:
      type: string
      enum:
      - monthly
      - quarterly
      - semiannually
      - yearly
      title: AmortisingFrequencyEnum
    GetDebtScheduleConfigResponseSchema:
      properties:
        id:
          type: string
          title: Id
          description: Embat debt schedule configuration ID.
        companyId:
          type: string
          title: Companyid
          description: Embat company ID. You can get them from "companies" endpoints.
        currency:
          $ref: '#/components/schemas/CurrencyEnum'
          description: ISO currency code of the amounts in this debt schedule.
          examples:
          - EUR
        bankId:
          type: string
          title: Bankid
          description: Embat ID of the bank relationship this debt is held with. You can get them from "banks" endpoints.
        debtProductId:
          type: string
          title: Debtproductid
          description: Embat ID of the debt product this schedule is configured over. You can get them from "products" endpoints.
        settlementProductId:
          type: string
          title: Settlementproductid
          description: Embat ID of the product used to pay this debt schedule (returned as `settlementProductId`). You can get them from "products" endpoints.
        config:
          $ref: '#/components/schemas/DebtScheduleConfigSchema'
          description: 'Configuration of the debt schedule: frequency, balances, rates and period count.'
        debtSchedulePaymentsCalendar:
          items:
            $ref: '#/components/schemas/DebtSchedulePaymentSchema'
          type: array
          title: Debtschedulepaymentscalendar
          description: Full calendar of scheduled payments for this debt, one entry per period, with the principal, interest and tax breakdown.
      type: object
      required:
      - id
      - companyId
      - currency
      - bankId
      - debtProductId
      - settlementProductId
      - config
      - debtSchedulePaymentsCalendar
      title: GetDebtScheduleConfigResponseSchema
    InterestTypeEnum:
      type: string
      enum:
      - fixed
      - variable
      title: InterestTypeEnum
  securitySchemes:
    HTTPBearer:
      type: http
      scheme: bearer