openapi: 3.0.1
info:
  title: Fincra Account Resolution Beneficiaries API
  description: Fincra is an African cross-border payments infrastructure API for collections, payouts/disbursements, FX conversions, quotes, beneficiaries, virtual accounts, bank/account resolution, and webhooks. Requests are authenticated with an `api-key` header and a Bearer access token.
  termsOfService: https://www.fincra.com/terms
  contact:
    name: Fincra Support
    email: support@fincra.com
    url: https://docs.fincra.com
  version: '1.0'
servers:
- url: https://api.fincra.com
  description: Production
- url: https://sandboxapi.fincra.com
  description: Sandbox
security:
- ApiKeyAuth: []
  BearerAuth: []
tags:
- name: Beneficiaries
paths:
  /profile/beneficiaries/business/{businessId}:
    post:
      operationId: createBeneficiary
      tags:
      - Beneficiaries
      summary: Create a beneficiary
      parameters:
      - $ref: '#/components/parameters/BusinessId'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/BeneficiaryRequest'
      responses:
        '201':
          description: Beneficiary created
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/BeneficiaryResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
    get:
      operationId: listBeneficiaries
      tags:
      - Beneficiaries
      summary: List beneficiaries
      parameters:
      - $ref: '#/components/parameters/BusinessId'
      - $ref: '#/components/parameters/Page'
      - $ref: '#/components/parameters/PerPage'
      responses:
        '200':
          description: List of beneficiaries
          content:
            application/json:
              schema:
                type: object
                properties:
                  success:
                    type: boolean
                  data:
                    type: array
                    items:
                      $ref: '#/components/schemas/Beneficiary'
  /profile/beneficiaries/business/{businessId}/{beneficiaryId}:
    get:
      operationId: fetchBeneficiary
      tags:
      - Beneficiaries
      summary: Fetch a beneficiary
      parameters:
      - $ref: '#/components/parameters/BusinessId'
      - $ref: '#/components/parameters/BeneficiaryId'
      responses:
        '200':
          description: Beneficiary details
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/BeneficiaryResponse'
        '404':
          $ref: '#/components/responses/NotFound'
    patch:
      operationId: updateBeneficiary
      tags:
      - Beneficiaries
      summary: Update a beneficiary
      parameters:
      - $ref: '#/components/parameters/BusinessId'
      - $ref: '#/components/parameters/BeneficiaryId'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/BeneficiaryRequest'
      responses:
        '200':
          description: Beneficiary updated
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/BeneficiaryResponse'
    delete:
      operationId: deleteBeneficiary
      tags:
      - Beneficiaries
      summary: Delete a beneficiary
      parameters:
      - $ref: '#/components/parameters/BusinessId'
      - $ref: '#/components/parameters/BeneficiaryId'
      responses:
        '200':
          description: Beneficiary deleted
        '404':
          $ref: '#/components/responses/NotFound'
components:
  schemas:
    Beneficiary:
      type: object
      properties:
        id:
          type: string
        firstName:
          type: string
        lastName:
          type: string
        accountHolderName:
          type: string
        email:
          type: string
        phoneNumber:
          type: string
        type:
          type: string
          enum:
          - individual
          - business
        currency:
          type: string
        paymentDestination:
          type: string
        bank:
          $ref: '#/components/schemas/BankDetails'
    BeneficiaryRequest:
      type: object
      required:
      - firstName
      - accountHolderName
      - type
      - currency
      - paymentDestination
      - destinationAddress
      properties:
        firstName:
          type: string
        lastName:
          type: string
        email:
          type: string
        phoneNumber:
          type: string
        accountHolderName:
          type: string
        type:
          type: string
          enum:
          - individual
          - business
        currency:
          type: string
        paymentDestination:
          type: string
        destinationAddress:
          type: string
        uniqueIdentifier:
          type: string
        bank:
          $ref: '#/components/schemas/BankDetails'
        address:
          type: object
          properties:
            line1:
              type: string
            city:
              type: string
            state:
              type: string
            country:
              type: string
    Error:
      type: object
      properties:
        success:
          type: boolean
          example: false
        message:
          type: string
    BankDetails:
      type: object
      properties:
        name:
          type: string
        code:
          type: string
        accountNumber:
          type: string
        sortCode:
          type: string
    BeneficiaryResponse:
      type: object
      properties:
        success:
          type: boolean
        data:
          $ref: '#/components/schemas/Beneficiary'
  parameters:
    BeneficiaryId:
      name: beneficiaryId
      in: path
      required: true
      schema:
        type: string
    PerPage:
      name: perPage
      in: query
      schema:
        type: integer
        default: 10
    BusinessId:
      name: businessId
      in: path
      required: true
      schema:
        type: string
    Page:
      name: page
      in: query
      schema:
        type: integer
        default: 1
  responses:
    NotFound:
      description: Resource not found
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    Unauthorized:
      description: Authentication failed
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
  securitySchemes:
    ApiKeyAuth:
      type: apiKey
      in: header
      name: api-key
      description: Merchant secret API key.
    BearerAuth:
      type: http
      scheme: bearer
      description: Bearer access token issued to the merchant.