{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://raw.githubusercontent.com/api-evangelist/fis/main/json-schema/fis-payment-request-schema.json",
  "title": "PaymentRequest",
  "x-generated": "2026-10-12",
  "x-method": "derived",
  "x-generator": "derive-json-schema.py",
  "x-source": "openapi/fis-payments-api-openapi.yml#/components/schemas/PaymentRequest",
  "type": "object",
  "required": [
    "amount",
    "currency",
    "paymentMethod",
    "debtorAccount",
    "creditorAccount"
  ],
  "properties": {
    "amount": {
      "type": "number",
      "format": "double",
      "minimum": 0.01,
      "description": "Payment amount"
    },
    "currency": {
      "type": "string",
      "minLength": 3,
      "maxLength": 3,
      "description": "ISO 4217 currency code (e.g., \"USD\")"
    },
    "paymentMethod": {
      "type": "string",
      "enum": [
        "ACH",
        "WIRE",
        "RTP",
        "FEDNOW",
        "CARD"
      ],
      "description": "Payment rail to use"
    },
    "debtorAccount": {
      "$ref": "#/$defs/AccountReference"
    },
    "creditorAccount": {
      "$ref": "#/$defs/AccountReference"
    },
    "remittanceInfo": {
      "type": "string",
      "maxLength": 140,
      "description": "Payment reference or memo"
    },
    "executionDate": {
      "type": "string",
      "format": "date",
      "description": "Requested execution date (defaults to next business day)"
    },
    "priority": {
      "type": "string",
      "enum": [
        "NORMAL",
        "HIGH",
        "SAME_DAY"
      ]
    }
  },
  "$defs": {
    "AccountReference": {
      "type": "object",
      "required": [
        "accountNumber",
        "routingNumber"
      ],
      "properties": {
        "accountNumber": {
          "type": "string",
          "description": "Bank account number"
        },
        "routingNumber": {
          "type": "string",
          "pattern": "^\\d{9}$",
          "description": "ABA routing transit number (9 digits)"
        },
        "accountType": {
          "type": "string",
          "enum": [
            "CHECKING",
            "SAVINGS",
            "LOAN"
          ]
        },
        "accountHolderName": {
          "type": "string"
        },
        "bankName": {
          "type": "string"
        },
        "swiftCode": {
          "type": "string",
          "description": "SWIFT/BIC code for international wires"
        }
      }
    }
  }
}