openapi: 3.1.0
info:
  title: Fintecture Account Information Services Accounts Request To Pay API
  description: 'PSD2 Account Information Services. Authenticates a PSU at their bank using either the redirect or decoupled (mobile-app) model, then retrieves bank accounts, balances, holders, and transactions. Also exposes the AIS-backed identity verification endpoint.

    '
  version: v2
  contact:
    name: Fintecture Support
    url: https://fintecture.com/contact
servers:
- url: https://api.fintecture.com
  description: Production
- url: https://api-sandbox.fintecture.com
  description: Sandbox
security:
- BearerAuth: []
tags:
- name: Request To Pay
  description: Generate Fintecture payment links
paths:
  /pis/v2/request-to-pay:
    post:
      summary: Create A Request To Pay
      description: 'Generate a Fintecture payment link. Link can be returned in the response and/or delivered to the customer by email or SMS. Same endpoint backs Immediate Transfer, Smart Transfer, and Buy Now Pay Later.

        '
      operationId: createPisV2RequestToPay
      tags:
      - Request To Pay
      parameters:
      - $ref: '#/components/parameters/SignatureHeader'
      - $ref: '#/components/parameters/DigestHeader'
      - $ref: '#/components/parameters/DateHeader'
      - $ref: '#/components/parameters/RequestIdHeader'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/RequestToPayRequest'
      responses:
        '200':
          description: Request to pay created
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/RequestToPayResponse'
components:
  parameters:
    RequestIdHeader:
      in: header
      name: x-request-id
      required: true
      description: Unique request identifier (UUID v4 recommended).
      schema:
        type: string
        format: uuid
    SignatureHeader:
      in: header
      name: Signature
      required: true
      description: HTTP message signature (RFC draft-cavage-http-signatures).
      schema:
        type: string
    DigestHeader:
      in: header
      name: Digest
      required: true
      description: SHA-256 digest of the request body, base64-encoded, prefixed with `SHA-256=`.
      schema:
        type: string
    DateHeader:
      in: header
      name: Date
      required: true
      schema:
        type: string
  schemas:
    PaymentMeta:
      type: object
      properties:
        psu_name:
          type: string
        psu_email:
          type: string
          format: email
        psu_phone:
          type: string
        psu_address:
          type: string
    RequestToPayResponse:
      type: object
      properties:
        meta:
          type: object
          properties:
            session_id:
              type: string
            url:
              type: string
              format: uri
            link_id:
              type: string
    RequestToPayRequest:
      type: object
      properties:
        meta:
          $ref: '#/components/schemas/PaymentMeta'
        data:
          type: object
          properties:
            type:
              type: string
              enum:
              - PIS
            attributes:
              $ref: '#/components/schemas/PaymentAttributes'
    PaymentAttributes:
      type: object
      required:
      - amount
      - currency
      - communication
      properties:
        amount:
          type: string
          description: Amount in the given currency, as a string (e.g. "12.34").
        currency:
          type: string
          enum:
          - EUR
          - GBP
          - PLN
        customer_id:
          type: string
        end_to_end_id:
          type: string
        communication:
          type: string
          description: Free-form payment communication / remittance information.
        beneficiary:
          type: object
          properties:
            name:
              type: string
            iban:
              type: string
            bic:
              type: string
        payment_method:
          type: string
          enum:
          - immediate_transfer
          - smart_transfer
          - bnpl
  securitySchemes:
    BearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT