{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://raw.githubusercontent.com/api-evangelist/enable-banking/main/json-schema/enable-banking-payment-schema.json",
  "title": "Enable Banking Payment",
  "description": "Payment initiation resource accepted by POST /payments and returned by GET /payments/{payment_id}. Models PSD2 PIS create-payment payloads across SEPA, instant SEPA, domestic, and bulk schemes.",
  "type": "object",
  "required": ["access", "aspsp", "payment_request"],
  "properties": {
    "access": {
      "type": "object",
      "description": "Requested access scope (typically payments).",
      "properties": {
        "valid_until": { "type": "string", "format": "date-time" }
      }
    },
    "aspsp": {
      "type": "object",
      "required": ["name", "country"],
      "properties": {
        "name": { "type": "string", "description": "ASPSP name (e.g. Nordea, OP, Handelsbanken)." },
        "country": { "type": "string", "description": "ISO 3166-1 alpha-2 country code." }
      }
    },
    "payment_request": {
      "type": "object",
      "required": ["payment_type", "credit_transfer_transaction"],
      "properties": {
        "payment_type": {
          "type": "string",
          "enum": ["SEPA_CREDIT_TRANSFER", "INSTANT_SEPA_CREDIT_TRANSFER", "DOMESTIC_CREDIT_TRANSFER", "TARGET2_PAYMENT", "BULK_SEPA_CREDIT_TRANSFER", "INSTANT_DOMESTIC_CREDIT_TRANSFER", "FOREIGN_CREDIT_TRANSFER", "PERIODIC_SEPA_CREDIT_TRANSFER", "PERIODIC_DOMESTIC_CREDIT_TRANSFER"],
          "description": "Payment scheme as exposed by Enable Banking."
        },
        "instructed_amount": {
          "type": "object",
          "properties": {
            "currency": { "type": "string" },
            "amount": { "type": "string" }
          }
        },
        "creditor": {
          "type": "object",
          "properties": {
            "name": { "type": "string" }
          }
        },
        "creditor_account": {
          "type": "object",
          "properties": {
            "iban": { "type": "string" },
            "bban": { "type": "string" }
          }
        },
        "creditor_agent": {
          "type": "object",
          "properties": {
            "bic_fi": { "type": "string" }
          }
        },
        "debtor_account": {
          "type": "object",
          "properties": {
            "iban": { "type": "string" }
          }
        },
        "remittance_information": {
          "type": "array",
          "items": { "type": "string" }
        },
        "reference_number": {
          "type": "object",
          "properties": {
            "scheme": {
              "type": "string",
              "enum": ["RF", "OCR", "KID", "FI", "STRUCTURED"]
            },
            "reference": { "type": "string" }
          }
        },
        "requested_execution_date": { "type": "string", "format": "date" },
        "priority_code": {
          "type": "string",
          "enum": ["NORM", "HIGH", "URGT"]
        },
        "charge_bearer_code": {
          "type": "string",
          "enum": ["DEBT", "CRED", "SHAR", "SLEV"]
        }
      }
    },
    "psu_type": {
      "type": "string",
      "enum": ["personal", "business"]
    },
    "redirect_url": { "type": "string", "format": "uri" },
    "state": { "type": "string", "description": "Opaque caller-supplied state echoed on redirect." },
    "payment_id": { "type": "string", "description": "Assigned by Enable Banking after POST /payments." },
    "payment_status": {
      "type": "string",
      "enum": ["RCVD", "PDNG", "PATC", "ACTC", "ACSP", "ACCP", "ACSC", "ACWC", "ACFC", "ACWP", "PART", "RJCT", "CANC"],
      "description": "ISO 20022 payment status."
    }
  }
}