openapi: 3.0.1
info:
  title: Fincra Account Resolution Collections 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: Collections
paths:
  /checkout/charges:
    post:
      operationId: initiateCharge
      tags:
      - Collections
      summary: Initiate a charge
      description: Initiate a direct charge to collect a payment via card, bank transfer, mobile money, EFT, or pay-attitude.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/ChargeRequest'
      responses:
        '200':
          description: Charge initiated
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ChargeResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /checkout/charges/authorize:
    post:
      operationId: authorizeCharge
      tags:
      - Collections
      summary: Authorize a charge
      description: Authorize a previously initiated charge (e.g. with an OTP or PIN).
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/AuthorizeChargeRequest'
      responses:
        '200':
          description: Charge authorization result
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ChargeResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /checkout/charges/{reference}:
    get:
      operationId: getChargeByReference
      tags:
      - Collections
      summary: Get a charge by reference
      parameters:
      - $ref: '#/components/parameters/Reference'
      responses:
        '200':
          description: Charge details
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ChargeResponse'
        '404':
          $ref: '#/components/responses/NotFound'
  /checkout/charges/verify/{reference}:
    get:
      operationId: verifyCharge
      tags:
      - Collections
      summary: Verify a charge
      parameters:
      - $ref: '#/components/parameters/Reference'
      responses:
        '200':
          description: Charge verification result
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ChargeResponse'
        '404':
          $ref: '#/components/responses/NotFound'
components:
  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'
  schemas:
    ChargeResponse:
      type: object
      properties:
        success:
          type: boolean
        message:
          type: string
        data:
          type: object
          properties:
            reference:
              type: string
            status:
              type: string
            amount:
              type: number
            currency:
              type: string
    AuthorizeChargeRequest:
      type: object
      required:
      - reference
      properties:
        reference:
          type: string
        authorization:
          type: object
          properties:
            mode:
              type: string
              enum:
              - otp
              - pin
            otp:
              type: string
            pin:
              type: string
    Error:
      type: object
      properties:
        success:
          type: boolean
          example: false
        message:
          type: string
    ChargeRequest:
      type: object
      required:
      - amount
      - reference
      - currency
      - type
      - customer
      properties:
        amount:
          type: integer
          format: int32
        reference:
          type: string
        currency:
          type: string
        type:
          type: string
          enum:
          - card
          - bank_transfer
          - mobile_money
          - eft
          - payattitude
        customer:
          type: object
          properties:
            name:
              type: string
            email:
              type: string
            phoneNumber:
              type: string
        card:
          type: object
          description: Required when type is card.
          properties:
            number:
              type: string
            expiryMonth:
              type: string
            expiryYear:
              type: string
            cvv:
              type: string
        phone:
          type: string
        description:
          type: string
        settlementDestination:
          type: string
        callbackUrl:
          type: string
        webhookUrl:
          type: string
        quoteReference:
          type: string
  parameters:
    Reference:
      name: reference
      in: path
      required: true
      schema:
        type: string
  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.