{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "#/components/schemas/payment_return_request",
  "title": "Payment Return Request",
  "description": "Request to return an ACH payment",
  "type": "object",
  "properties": {
    "financial_account_token": {
      "type": "string",
      "format": "uuid",
      "description": "Globally unique identifier for the financial account"
    },
    "return_reason_code": {
      "type": "string",
      "pattern": "^R(0[1-9]|[1-4][0-9]|5[0-3]|8[0-5])$",
      "description": "ACH return reason code indicating the reason for returning the payment. Supported codes include R01-R53 and R80-R85. For a complete list of return codes and their meanings, see [ACH Return Reasons](https://docs.lithic.com/docs/ach-overview#ach-return-reasons)",
      "example": "R01"
    },
    "memo": {
      "type": [
        "string",
        "null"
      ],
      "maxLength": 10,
      "description": "Optional memo for the return. Limited to 10 characters"
    },
    "addenda": {
      "type": [
        "string",
        "null"
      ],
      "maxLength": 44,
      "description": "Optional additional information about the return. Limited to 44 characters"
    },
    "date_of_death": {
      "type": [
        "string",
        "null"
      ],
      "format": "date",
      "description": "Date of death in YYYY-MM-DD format. Required when using return codes **R14** (representative payee deceased) or **R15** (beneficiary or account holder deceased)",
      "example": "2025-01-15"
    }
  },
  "required": [
    "financial_account_token",
    "return_reason_code"
  ]
}