generated: '2026-07-15' method: generated source: openapi/gocardless-openapi.yml description: Recommended x-agentic-access execution contracts, classified heuristically from the OpenAPI. A governance starting point for exposing this API to AI agents — review and bind audience per deployment. See research/curity/agentic-governance/. summary: operations: 48 by_action_class: connected: 27 acting: 21 by_consequence: read: 27 write: 16 physical: 5 human_in_the_loop_required: 0 operations: - path: /customers method: get operationId: listCustomers x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /customers method: post operationId: createCustomer x-agentic-access: action-class: acting consequence: write subject: required audience: null token: max-ttl: 900 escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /customers/{id} method: get operationId: getCustomer x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /customers/{id} method: put operationId: updateCustomer x-agentic-access: action-class: acting consequence: write subject: required audience: null token: max-ttl: 900 escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /customer_bank_accounts method: get operationId: listCustomerBankAccounts x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /customer_bank_accounts method: post operationId: createCustomerBankAccount x-agentic-access: action-class: acting consequence: write subject: required audience: null token: max-ttl: 900 escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /customer_bank_accounts/{id} method: get operationId: getCustomerBankAccount x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /customer_bank_accounts/{id} method: put operationId: updateCustomerBankAccount x-agentic-access: action-class: acting consequence: write subject: required audience: null token: max-ttl: 900 escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /mandates method: get operationId: listMandates x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /mandates method: post operationId: createMandate x-agentic-access: action-class: acting consequence: write subject: required audience: null token: max-ttl: 900 escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /mandates/{id} method: get operationId: getMandate x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /mandates/{id} method: put operationId: updateMandate x-agentic-access: action-class: acting consequence: write subject: required audience: null token: max-ttl: 900 escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /mandates/{id}/actions/cancel method: post operationId: cancelMandate x-agentic-access: action-class: acting consequence: write subject: required audience: null token: max-ttl: 900 escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /payments method: get operationId: listPayments x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /payments method: post operationId: createPayment x-agentic-access: action-class: acting consequence: physical subject: required audience: null token: max-ttl: 300 exchange: true purpose-required: true escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /payments/{id} method: get operationId: getPayment x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /payments/{id} method: put operationId: updatePayment x-agentic-access: action-class: acting consequence: physical subject: required audience: null token: max-ttl: 300 exchange: true purpose-required: true escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /payments/{id}/actions/cancel method: post operationId: cancelPayment x-agentic-access: action-class: acting consequence: physical subject: required audience: null token: max-ttl: 300 exchange: true purpose-required: true escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /payouts method: get operationId: listPayouts x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /payouts/{id} method: get operationId: getPayout x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /subscriptions method: get operationId: listSubscriptions x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /subscriptions method: post operationId: createSubscription x-agentic-access: action-class: acting consequence: write subject: required audience: null token: max-ttl: 900 escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /subscriptions/{id} method: get operationId: getSubscription x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /subscriptions/{id} method: put operationId: updateSubscription x-agentic-access: action-class: acting consequence: write subject: required audience: null token: max-ttl: 900 escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /subscriptions/{id}/actions/cancel method: post operationId: cancelSubscription x-agentic-access: action-class: acting consequence: write subject: required audience: null token: max-ttl: 900 escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /refunds method: get operationId: listRefunds x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /refunds method: post operationId: createRefund x-agentic-access: action-class: acting consequence: physical subject: required audience: null token: max-ttl: 300 exchange: true purpose-required: true escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /refunds/{id} method: get operationId: getRefund x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /refunds/{id} method: put operationId: updateRefund x-agentic-access: action-class: acting consequence: physical subject: required audience: null token: max-ttl: 300 exchange: true purpose-required: true escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /events method: get operationId: listEvents x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /events/{id} method: get operationId: getEvent x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /billing_requests method: get operationId: listBillingRequests x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /billing_requests method: post operationId: createBillingRequest x-agentic-access: action-class: acting consequence: write subject: required audience: null token: max-ttl: 900 escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /billing_requests/{id} method: get operationId: getBillingRequest x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /billing_request_flows method: post operationId: createBillingRequestFlow x-agentic-access: action-class: acting consequence: write subject: required audience: null token: max-ttl: 900 escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /billing_request_flows/{id} method: get operationId: getBillingRequestFlow x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /creditors method: get operationId: listCreditors x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /creditors/{id} method: get operationId: getCreditor x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /creditor_bank_accounts method: get operationId: listCreditorBankAccounts x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /creditor_bank_accounts method: post operationId: createCreditorBankAccount x-agentic-access: action-class: acting consequence: write subject: required audience: null token: max-ttl: 900 escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /instalment_schedules method: get operationId: listInstalmentSchedules x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /instalment_schedules method: post operationId: createInstalmentSchedule x-agentic-access: action-class: acting consequence: write subject: required audience: null token: max-ttl: 900 escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /instalment_schedules/{id} method: get operationId: getInstalmentSchedule x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /payer_authorisations method: post operationId: createPayerAuthorisation x-agentic-access: action-class: acting consequence: write subject: required audience: null token: max-ttl: 900 escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /payer_authorisations/{id} method: get operationId: getPayerAuthorisation x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /institutions method: get operationId: listInstitutions x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /blocks method: post operationId: createBlock x-agentic-access: action-class: acting consequence: write subject: required audience: null token: max-ttl: 900 escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /blocks/{id} method: get operationId: getBlock x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none