openapi: 3.1.0
info:
  title: Fiserv BankingHub 3-D Secure Payments API
  description: The Fiserv BankingHub API provides RESTful access to core banking operations including account management, transactions, transfers, payments, and party (customer) management. BankingHub enables financial institutions and fintech partners to integrate account opening, fund transfers, payment processing, and customer data management into their applications.
  version: 1.0.0
  contact:
    name: Fiserv Developer Support
    url: https://developer.fiserv.com/product/BankingHub
  termsOfService: https://www.fiserv.com/en/legal.html
servers:
- url: https://cert.api.fiservapps.com
  description: Certification Environment
- url: https://prod.api.fiservapps.com
  description: Production Environment
security:
- bearerAuth: []
tags:
- name: Payments
  description: Process payment transactions including credits, debits, and bill payments.
paths:
  /banking/payments:
    post:
      operationId: createPayment
      summary: Fiserv Process a payment
      description: Processes a payment transaction including credits, debits, bill payments, and disbursements through the enterprise payments hub.
      tags:
      - Payments
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/PaymentAddRequest'
      responses:
        '201':
          description: Payment processed successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PaymentAddResponse'
        '400':
          description: Bad request
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '401':
          description: Unauthorized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
  /banking/payments/{paymentId}/reverse:
    post:
      operationId: reversePayment
      summary: Fiserv Reverse a payment
      description: Reverses a previously processed payment transaction.
      tags:
      - Payments
      parameters:
      - name: paymentId
        in: path
        required: true
        schema:
          type: string
        description: The unique payment identifier.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/PaymentReversalRequest'
      responses:
        '200':
          description: Payment reversed successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PaymentReversalResponse'
        '400':
          description: Bad request
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '401':
          description: Unauthorized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '404':
          description: Payment not found
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
components:
  schemas:
    PaymentReversalResponse:
      type: object
      description: Response body for payment reversal.
      properties:
        paymentId:
          type: string
          description: The reversed payment identifier.
        status:
          type: string
          description: The reversal status.
        statusCode:
          type: string
          description: The response status code.
        statusDescription:
          type: string
          description: The response status description.
    PaymentAddResponse:
      type: object
      description: Response body for payment processing.
      properties:
        paymentId:
          type: string
          description: The unique payment identifier.
        status:
          type: string
          description: The payment status.
        statusCode:
          type: string
          description: The response status code.
        statusDescription:
          type: string
          description: The response status description.
    PaymentAddRequest:
      type: object
      description: Request body for processing a payment.
      required:
      - paymentType
      - amount
      properties:
        paymentType:
          type: string
          enum:
          - CREDIT
          - DEBIT
          - BILL_PAYMENT
          - DISBURSEMENT
          description: The type of payment.
        accountId:
          type: string
          description: The account to debit or credit.
        amount:
          type: number
          format: double
          description: The payment amount.
        currency:
          type: string
          pattern: ^[A-Z]{3}$
          description: The ISO 4217 currency code.
        payee:
          type: object
          description: The payment recipient details.
          properties:
            name:
              type: string
              description: The payee name.
            accountNumber:
              type: string
              description: The payee account number.
            routingNumber:
              type: string
              description: The payee routing number.
        memo:
          type: string
          description: A memo or description for the payment.
    PaymentReversalRequest:
      type: object
      description: Request body for reversing a payment.
      properties:
        reason:
          type: string
          description: The reason for the reversal.
    ErrorResponse:
      type: object
      description: Standard error response.
      properties:
        statusCode:
          type: string
          description: The error status code.
        statusDescription:
          type: string
          description: A human-readable error description.
        errors:
          type: array
          items:
            type: object
            properties:
              code:
                type: string
                description: The specific error code.
              message:
                type: string
                description: The error message.
              field:
                type: string
                description: The field that caused the error.
          description: Detailed error information.
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT
      description: OAuth 2.0 Bearer token for API authentication.
externalDocs:
  description: BankingHub API Documentation
  url: https://developer.fiserv.com/product/BankingHub/docs/?path=docs/get-started.md