openapi: 3.2.0
info:
  title: Memo Bank Transactions API
  description: '**Welcome!** You can use our [Premium Bank API](https://memo.bank/produit/api/)  to check your company’s accounts, fetch your transactions, make SEPA transfers,  initiate SEPA direct debit collections, create virtual IBANs, and access most of Memo Bank features.

    > info

    > If you are a **third-party payment service provider** complying with PSD2, you may be more interested in our [NextGenPSD2 API](https://docs-nextgenpsd2.api.memo.bank).

    '
  version: '2.0'
servers:
- url: https://api.memo.bank
  description: Production
- url: https://api.sandbox.memo.bank
  description: Sandbox
tags:
- name: Transactions
  description: 'Transactions are any debit and credit operations on an account.


    <img src="https://assets.memo.bank/memobankapi/transactions-lifecycle-api-v2.png" alt="Transactions lifecycle" width="750">


    Note that the status of the transaction indicates whether or not it affects the account’s available balance. `debit` transactions impact the balance as soon as they reach the `authorized` state. `credit` transactions impact it only when their status turns to `confirmed`.

    '
paths:
  /v2/transactions/{id}:
    get:
      tags:
      - Transactions
      summary: Get a transaction
      description: '**Scope**: `transactions:read`'
      operationId: getTransaction
      parameters:
      - name: id
        in: path
        description: ID of the transaction.
        required: true
        schema:
          type: string
          format: uuid
        example: c70bd7bc-58e0-4fdb-8c1f-70186e0de587
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Transaction'
      security:
      - JWT: []
  /v2/transactions:
    get:
      tags:
      - Transactions
      summary: List all transactions
      description: '**Scope**: `transactions:read`'
      operationId: listTransactions
      parameters:
      - name: account_id
        in: query
        description: Filter transactions by account.
        schema:
          type: string
          format: uuid
        example: 29883c3d-0b11-4c38-91b0-af9018cc5b14
      - name: page
        in: query
        description: Index of the requested page. Deprecated, use `page_token` instead.
        deprecated: true
        schema:
          minimum: 1
          type: integer
          format: int32
      - name: page_token
        in: query
        description: Token used to fetch a specific page, as returned by the `next_page_token` or `prev_page_token` field of a previous response. Mutually exclusive with `page`.
        schema:
          type: string
      - name: size
        in: query
        description: Number of elements per page in response.
        schema:
          maximum: 100
          minimum: 1
          type: integer
          format: int32
          default: 10
      - name: start_date
        in: query
        description: Filter transactions by execution date (inclusive greater than), in ISO8601 format.
        schema:
          type: string
          format: date-time
        example: 2021-09-01 12:30:00+00:00
      - name: end_date
        in: query
        description: Filter transactions by execution date (exclusive lower than), in ISO8601 format.
        schema:
          type: string
          format: date-time
        example: 2021-09-30 12:30:00+00:00
      - name: reference
        in: query
        description: Filter transactions by reference.
        schema:
          type: string
          format: uuid
        example: 0c734fd7-4753-424e-85f3-0b4e3590ee1c
      - name: local_iban
        in: query
        description: Filter transactions by local IBAN. Allows for example to list all incoming **and** outgoing transactions that passed through a given virtual IBAN.
        schema:
          type: string
      - name: batch_id
        in: query
        description: Filter transactions by transaction batch.
        schema:
          type: string
          format: uuid
        example: 0c734fd7-4753-424e-85f3-0b4e3590ee1c
      - name: custom_id
        in: query
        description: Filter transactions by custom ID.
        schema:
          type: string
        example: 637406efda8534de8c0e
      - name: order_by
        in: query
        description: Sort transactions in ascending or descending order.
        schema:
          type: string
          default: -execution_date
          enum:
          - execution_date
          - -execution_date
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/TransactionPage'
      security:
      - JWT: []
components:
  schemas:
    TransferIncomingSource:
      required:
      - transfer_type
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
      - type: object
        properties:
          transfer_type:
            type: string
            description: Type of the transfer.
            enum:
            - standard
            - instant
          counterparty_iban:
            type: string
            description: IBAN of the counterparty. Can be null on old transactions for legacy reasons.
          counterparty_bank_bic:
            type: string
            description: BIC of the counterparty's bank. Can be null on old transactions for legacy reasons.
          message:
            type: string
            description: Message attached to this transfer, visible to all involved parties.
            example: invoice n12345
          end_to_end_id:
            type: string
            description: Unique identification to unambiguously identify the transfer. This identification is passed on, unchanged, throughout the entire end-to-end chain. It can be used for reconciliation or to link tasks relating to the transfer. For example, if a transfer is returned, its return will share the same endToEndId.
            example: b0bfb42baa2642c2af0ca3e880fcd590
    TransactionSource:
      type: object
      description: Source of the transaction. We may add additional source types over time; your application should be able to handle such additions gracefully.
      discriminator:
        propertyName: type
        mapping:
          bank_account_remuneration: '#/components/schemas/BankAccountRemunerationSource'
          card_credit: '#/components/schemas/CardCreditSource'
          card_debit: '#/components/schemas/CardDebitSource'
          card_deferred: '#/components/schemas/CardDeferredSource'
          card_withdrawal: '#/components/schemas/CardWithdrawalSource'
          collection_incoming: '#/components/schemas/CollectionIncomingSource'
          collection_outgoing: '#/components/schemas/CollectionOutgoingSource'
          collection_incoming_return: '#/components/schemas/CollectionIncomingReturnSource'
          collection_outgoing_return_fees: '#/components/schemas/CollectionOutgoingReturnFeesSource'
          collection_outgoing_return: '#/components/schemas/CollectionOutgoingReturnSource'
          debt_purchase_application_fees: '#/components/schemas/DebtPurchaseApplicationFeesSource'
          debt_purchase_disbursement: '#/components/schemas/DebtPurchaseDisbursementSource'
          debt_purchase_interests: '#/components/schemas/DebtPurchaseInterestsSource'
          debt_purchase_repayment: '#/components/schemas/DebtPurchaseRepaymentSource'
          diverse_operation: '#/components/schemas/DiverseOperationSource'
          investment_redemption_order: '#/components/schemas/InvestmentRedemptionOrderDTO'
          investment_subscription_order: '#/components/schemas/InvestmentSubscriptionOrderDTO'
          loan_application_fees: '#/components/schemas/LoanApplicationFeesSource'
          loan_disbursement: '#/components/schemas/LoanDisbursementSource'
          loan_guarantee_fee: '#/components/schemas/LoanGuaranteeFeeSource'
          loan_reimbursement: '#/components/schemas/LoanReimbursementSource'
          loan_repayment: '#/components/schemas/LoanRepaymentSource'
          maintenance_transfer: '#/components/schemas/MaintenanceTransferSource'
          maintenance_wire_transfer: '#/components/schemas/MaintenanceWireTransferSource'
          overdraft_agios: '#/components/schemas/OverdraftAgiosSource'
          overdraft_application_fees: '#/components/schemas/OverdraftApplicationFeesSource'
          rtgs_transfer_incoming: '#/components/schemas/RtgsTransferIncomingSource'
          rtgs_transfer_incoming_return: '#/components/schemas/RtgsTransferIncomingReturnSource'
          rtgs_transfer_outgoing: '#/components/schemas/RtgsTransferOutgoingSource'
          rtgs_transfer_outgoing_return: '#/components/schemas/RtgsTransferOutgoingReturnSource'
          subscription: '#/components/schemas/SubscriptionSource'
          sweep_transfer_incoming: '#/components/schemas/SweepTransferIncomingSource'
          sweep_transfer_outgoing: '#/components/schemas/SweepTransferOutgoingSource'
          term_deposit_closure: '#/components/schemas/TermDepositClosureSourceDTO'
          term_deposit_creation: '#/components/schemas/TermDepositCreationSourceDTO'
          term_deposit_interest_payment: '#/components/schemas/TermDepositInterestPaymentSourceDTO'
          term_deposit_withdrawal: '#/components/schemas/TermDepositWithdrawalSourceDTO'
          transfer_incoming: '#/components/schemas/TransferIncomingSource'
          transfer_outgoing: '#/components/schemas/TransferOutgoingSource'
          transfer_incoming_return: '#/components/schemas/TransferIncomingReturnSource'
          transfer_outgoing_return: '#/components/schemas/TransferOutgoingReturnSource'
          wire_transfer_incoming: '#/components/schemas/WireTransferIncomingSource'
          wire_transfer_outgoing: '#/components/schemas/WireTransferOutgoingSource'
          wire_transfer_outgoing_return: '#/components/schemas/WireTransferOutgoingReturnSource'
      oneOf:
      - $ref: '#/components/schemas/BankAccountRemunerationSource'
      - $ref: '#/components/schemas/CardCreditSource'
      - $ref: '#/components/schemas/CardDebitSource'
      - $ref: '#/components/schemas/CardDeferredSource'
      - $ref: '#/components/schemas/CardWithdrawalSource'
      - $ref: '#/components/schemas/CollectionIncomingSource'
      - $ref: '#/components/schemas/CollectionOutgoingSource'
      - $ref: '#/components/schemas/CollectionIncomingReturnSource'
      - $ref: '#/components/schemas/CollectionOutgoingReturnFeesSource'
      - $ref: '#/components/schemas/CollectionOutgoingReturnSource'
      - $ref: '#/components/schemas/DebtPurchaseApplicationFeesSource'
      - $ref: '#/components/schemas/DebtPurchaseDisbursementSource'
      - $ref: '#/components/schemas/DebtPurchaseInterestsSource'
      - $ref: '#/components/schemas/DebtPurchaseRepaymentSource'
      - $ref: '#/components/schemas/DiverseOperationSource'
      - $ref: '#/components/schemas/InvestmentRedemptionOrderDTO'
      - $ref: '#/components/schemas/InvestmentSubscriptionOrderDTO'
      - $ref: '#/components/schemas/LoanApplicationFeesSource'
      - $ref: '#/components/schemas/LoanDisbursementSource'
      - $ref: '#/components/schemas/LoanGuaranteeFeeSource'
      - $ref: '#/components/schemas/LoanReimbursementSource'
      - $ref: '#/components/schemas/LoanRepaymentSource'
      - $ref: '#/components/schemas/MaintenanceTransferSource'
      - $ref: '#/components/schemas/MaintenanceWireTransferSource'
      - $ref: '#/components/schemas/OverdraftAgiosSource'
      - $ref: '#/components/schemas/OverdraftApplicationFeesSource'
      - $ref: '#/components/schemas/RtgsTransferIncomingSource'
      - $ref: '#/components/schemas/RtgsTransferIncomingReturnSource'
      - $ref: '#/components/schemas/RtgsTransferOutgoingSource'
      - $ref: '#/components/schemas/RtgsTransferOutgoingReturnSource'
      - $ref: '#/components/schemas/SubscriptionSource'
      - $ref: '#/components/schemas/SweepTransferIncomingSource'
      - $ref: '#/components/schemas/SweepTransferOutgoingSource'
      - $ref: '#/components/schemas/TermDepositClosureSourceDTO'
      - $ref: '#/components/schemas/TermDepositCreationSourceDTO'
      - $ref: '#/components/schemas/TermDepositInterestPaymentSourceDTO'
      - $ref: '#/components/schemas/TermDepositWithdrawalSourceDTO'
      - $ref: '#/components/schemas/TransferIncomingSource'
      - $ref: '#/components/schemas/TransferOutgoingSource'
      - $ref: '#/components/schemas/TransferIncomingReturnSource'
      - $ref: '#/components/schemas/TransferOutgoingReturnSource'
      - $ref: '#/components/schemas/WireTransferIncomingSource'
      - $ref: '#/components/schemas/WireTransferOutgoingSource'
      - $ref: '#/components/schemas/WireTransferOutgoingReturnSource'
    CardDeferredSource:
      required:
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
    OverdraftApplicationFeesSource:
      required:
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
    SubscriptionSource:
      required:
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
    CollectionOutgoingReturnFeesSource:
      required:
      - returned_collection_id
      - returned_collection_reference
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
      - type: object
        properties:
          counterparty_iban:
            type: string
            description: IBAN of the counterparty. Can be null on old transactions for legacy reasons.
          counterparty_bank_bic:
            type: string
            description: BIC of the counterparty's bank. Can be null on old transactions for legacy reasons.
          message:
            type: string
            description: Message attached to this collection, visible to all involved parties.
            example: invoice n12345
          end_to_end_id:
            type: string
            description: Unique identification to unambiguously identify the collection. This identification is passed on, unchanged, throughout the entire end-to-end chain. It can be used for reconciliation or to link tasks relating to the collection. For example, if a collection is returned, its return will share the same endToEndId.
            example: b0bfb42baa2642c2af0ca3e880fcd590
          returned_collection_id:
            type: string
            description: ID of the original collection being returned.
            format: uuid
          returned_collection_reference:
            type: string
            description: Reference of the original collection being returned.
          reason:
            type: string
            description: Reason for the return of the original collection. Can be null on old transactions for legacy reasons.
            enum:
            - bank_identifier_incorrect
            - blocked_account
            - closed_account
            - correspondent_bank_not_possible
            - creditor_bank_is_not_registered
            - creditor_psp_not_registered
            - customer_deceased
            - customer_disabled_direct_debit
            - debtor_psp_not_registered
            - disputed
            - duplication
            - end_customer_deceased
            - eri_option_not_supported
            - following_cancellation_request
            - fraudulent_originated
            - inactive_mandate
            - inconsistent_with_end_customer
            - incorrect_account_number
            - insufficient_funds
            - invalid_bank_operation_code
            - invalid_code_or_format
            - invalid_creditor_account_number
            - invalid_debtor_account
            - invalid_interbank_communication
            - invalid_transaction_code_or_invalid_file_format
            - mandate_mismatch
            - missing_creditors_name_or_address
            - missing_creditor_address
            - missing_creditor_name_or_address
            - missing_debtors_name_or_address
            - missing_debtor_account_or_identification
            - missing_debtor_name_or_address
            - missing_mandatory_information_mandate
            - no_mandate
            - no_mandate_on_scheme
            - not_specified_reason_agent_generated
            - not_specified_reason_customer_generated
            - psp_identifier_incorrect
            - refund_request_by_bank
            - refund_request_by_end_customer
            - regulatory_reason
            - requested_by_the_debtor
            - requested_by_customer
            - settlement_failed
            - specific_service_offered_by_debtor_psp
            - technical_problem
            - transaction_forbidden
            - transaction_unauthorized
            - unrecognized_initiating_party
            - wrong_amount
    SweepTransferIncomingSource:
      required:
      - counterparty_bank_bic
      - counterparty_iban
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
      - type: object
        properties:
          counterparty_iban:
            type: string
            description: IBAN of the counterparty.
          counterparty_bank_bic:
            type: string
            description: BIC of the counterparty's bank.
    TermDepositCreationSourceDTO:
      required:
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
    TransactionSourceDiscriminator:
      required:
      - type
      type: object
      properties:
        type:
          type: string
          enum:
          - bank_account_remuneration
          - card_credit
          - card_debit
          - card_deferred
          - card_withdrawal
          - collection_incoming
          - collection_outgoing
          - collection_incoming_return
          - collection_outgoing_return
          - collection_outgoing_return_fees
          - debt_purchase_application_fees
          - debt_purchase_disbursement
          - debt_purchase_interests
          - debt_purchase_repayment
          - diverse_operation
          - investment_redemption_order
          - investment_subscription_order
          - loan_application_fees
          - loan_disbursement
          - loan_guarantee_fee
          - loan_reimbursement
          - loan_repayment
          - maintenance_transfer
          - maintenance_wire_transfer
          - overdraft_agios
          - overdraft_application_fees
          - rtgs_transfer_incoming
          - rtgs_transfer_incoming_return
          - rtgs_transfer_outgoing
          - rtgs_transfer_outgoing_return
          - subscription
          - sweep_transfer_incoming
          - sweep_transfer_outgoing
          - term_deposit_closure
          - term_deposit_creation
          - term_deposit_interest_payment
          - term_deposit_withdrawal
          - transfer_incoming
          - transfer_outgoing
          - transfer_incoming_return
          - transfer_outgoing_return
          - wire_transfer_incoming
          - wire_transfer_outgoing
          - wire_transfer_outgoing_return
    TermDepositClosureSourceDTO:
      required:
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
    WireTransferOutgoingReturnSource:
      required:
      - returned_transfer_reference
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
      - type: object
        properties:
          counterparty_account_number:
            type: string
            description: Account number of the counterparty.
          message:
            type: string
            description: Message attached to this transfer, visible to all involved parties.
            example: invoice n12345
          returned_transfer_reference:
            type: string
            description: Reference of the original wire transfer being returned.
          reason:
            type: string
            description: Reason for the return of the original transfer. Can be null on old transactions for legacy reasons.
            enum:
            - bank_identifier_incorrect
            - blocked_account
            - closed_account
            - correspondent_bank_not_possible
            - creditor_bank_is_not_registered
            - creditor_psp_not_registered
            - customer_deceased
            - customer_disabled_direct_debit
            - debtor_psp_not_registered
            - disputed
            - duplication
            - end_customer_deceased
            - eri_option_not_supported
            - following_cancellation_request
            - fraudulent_originated
            - inactive_mandate
            - inconsistent_with_end_customer
            - incorrect_account_number
            - insufficient_funds
            - invalid_bank_operation_code
            - invalid_code_or_format
            - invalid_creditor_account_number
            - invalid_debtor_account
            - invalid_interbank_communication
            - invalid_transaction_code_or_invalid_file_format
            - mandate_mismatch
            - missing_creditors_name_or_address
            - missing_creditor_address
            - missing_creditor_name_or_address
            - missing_debtors_name_or_address
            - missing_debtor_account_or_identification
            - missing_debtor_name_or_address
            - missing_mandatory_information_mandate
            - no_mandate
            - no_mandate_on_scheme
            - not_specified_reason_agent_generated
            - not_specified_reason_customer_generated
            - psp_identifier_incorrect
            - refund_request_by_bank
            - refund_request_by_end_customer
            - regulatory_reason
            - requested_by_the_debtor
            - requested_by_customer
            - settlement_failed
            - specific_service_offered_by_debtor_psp
            - technical_problem
            - transaction_forbidden
            - transaction_unauthorized
            - unrecognized_initiating_party
            - wrong_amount
    WireTransferIncomingSource:
      required:
      - instructed_amount
      - instructed_currency
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
      - type: object
        properties:
          counterparty_account_number:
            type: string
            description: Account number of the counterparty.
          message:
            type: string
            description: Message attached to this transfer, visible to all involved parties.
            example: invoice n12345
          instructed_amount:
            type: integer
            description: Instructed amount of the transaction, in the smallest unit of the instructed currency. The amount is always positive, use `direction` to give it a sign.
            format: int64
          instructed_currency:
            type: string
            description: Instructed currency of the transaction amount, in ISO 4217 format.
            example: USD
    TransferOutgoingReturnSource:
      required:
      - returned_transfer_id
      - returned_transfer_reference
      - transfer_type
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
      - type: object
        properties:
          transfer_type:
            type: string
            description: Type of the transfer.
            enum:
            - standard
            - instant
          counterparty_iban:
            type: string
            description: IBAN of the counterparty. Can be null on old transactions for legacy reasons.
          counterparty_bank_bic:
            type: string
            description: BIC of the counterparty's bank. Can be null on old transactions for legacy reasons.
          message:
            type: string
            description: Message attached to this transfer, visible to all involved parties.
            example: invoice n12345
          end_to_end_id:
            type: string
            description: Unique identification to unambiguously identify the transfer. This identification is passed on, unchanged, throughout the entire end-to-end chain. It can be used for reconciliation or to link tasks relating to the transfer. For example, if a transfer is returned, its return will share the same endToEndId.
            example: b0bfb42baa2642c2af0ca3e880fcd590
          returned_transfer_id:
            type: string
            description: ID of the original transfer being returned.
            format: uuid
          returned_transfer_reference:
            type: string
            description: Reference of the original transfer being returned.
          reason:
            type: string
            description: Reason for the return of the original transfer. Can be null on old transactions for legacy reasons.
            enum:
            - bank_identifier_incorrect
            - blocked_account
            - closed_account
            - correspondent_bank_not_possible
            - creditor_bank_is_not_registered
            - creditor_psp_not_registered
            - customer_deceased
            - customer_disabled_direct_debit
            - debtor_psp_not_registered
            - disputed
            - duplication
            - end_customer_deceased
            - eri_option_not_supported
            - following_cancellation_request
            - fraudulent_originated
            - inactive_mandate
            - inconsistent_with_end_customer
            - incorrect_account_number
            - insufficient_funds
            - invalid_bank_operation_code
            - invalid_code_or_format
            - invalid_creditor_account_number
            - invalid_debtor_account
            - invalid_interbank_communication
            - invalid_transaction_code_or_invalid_file_format
            - mandate_mismatch
            - missing_creditors_name_or_address
            - missing_creditor_address
            - missing_creditor_name_or_address
            - missing_debtors_name_or_address
            - missing_debtor_account_or_identification
            - missing_debtor_name_or_address
            - missing_mandatory_information_mandate
            - no_mandate
            - no_mandate_on_scheme
            - not_specified_reason_agent_generated
            - not_specified_reason_customer_generated
            - psp_identifier_incorrect
            - refund_request_by_bank
            - refund_request_by_end_customer
            - regulatory_reason
            - requested_by_the_debtor
            - requested_by_customer
            - settlement_failed
            - specific_service_offered_by_debtor_psp
            - technical_problem
            - transaction_forbidden
            - transaction_unauthorized
            - unrecognized_initiating_party
            - wrong_amount
    CardCreditSource:
      required:
      - settlement_amount
      - settlement_currency
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
      - type: object
        properties:
          settlement_amount:
            type: integer
            description: Settlement amount of the transaction, in the smallest unit of the settlement currency. The amount is always positive, use `direction` to give it a sign.
            format: int64
          settlement_currency:
            type: string
            description: Settlement currency of the transaction amount, in ISO 4217 format.
            example: USD
    LoanGuaranteeFeeSource:
      required:
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
    MaintenanceTransferSource:
      required:
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
    OverdraftAgiosSource:
      required:
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
    TransferOutgoingSource:
      required:
      - transfer_id
      - transfer_type
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
      - type: object
        properties:
          transfer_type:
            type: string
            description: Type of the transfer.
            enum:
            - standard
            - instant
          counterparty_iban:
            type: string
            description: IBAN of the counterparty. Can be null on old transactions for legacy reasons.
          counterparty_bank_bic:
            type: string
            description: BIC of the counterparty's bank. Can be null on old transactions for legacy reasons.
          message:
            type: string
            description: Message attached to this transfer, visible to all involved parties.
            example: invoice n12345
          end_to_end_id:
            type: string
            description: Unique identification to unambiguously identify the transfer. This identification is passed on, unchanged, throughout the entire end-to-end chain. It can be used for reconciliation or to link tasks relating to the transfer. For example, if a transfer is returned, its return will share the same endToEndId.
            example: b0bfb42baa2642c2af0ca3e880fcd590
          transfer_id:
            type: string
            description: ID of the transfer that created this transaction.
            format: uuid
    CardDebitSource:
      required:
      - settlement_amount
      - settlement_currency
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
      - type: object
        properties:
          settlement_amount:
            type: integer
            description: Settlement amount of the transaction, in the smallest unit of the settlement currency. The amount is always positive, use `direction` to give it a sign.
            format: int64
          settlement_currency:
            type: string
            description: Settlement currency of the transaction amount, in ISO 4217 format.
            example: USD
    DebtPurchaseApplicationFeesSource:
      required:
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
    SweepTransferOutgoingSource:
      required:
      - counterparty_bank_bic
      - counterparty_iban
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
      - type: object
        properties:
          counterparty_iban:
            type: string
            description: IBAN of the counterparty.
          counterparty_bank_bic:
            type: string
            description: BIC of the counterparty's bank.
    DebtPurchaseInterestsSource:
      required:
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
    CollectionOutgoingSource:
      required:
      - collection_id
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
      - type: object
        properties:
          counterparty_iban:
            type: string
            description: IBAN of the counterparty. Can be null on old transactions for legacy reasons.
          counterparty_bank_bic:
            type: string
            description: BIC of the counterparty's bank. Can be null on old transactions for legacy reasons.
          message:
            type: string
            description: Message attached to this collection, visible to all involved parties.
            example: invoice n12345
          end_to_end_id:
            type: string
            description: Unique identification to unambiguously identify the collection. This identification is passed on, unchanged, throughout the entire end-to-end chain. It can be used for reconciliation or to link tasks relating to the collection. For example, if a collection is returned, its return will share the same endToEndId.
            example: b0bfb42baa2642c2af0ca3e880fcd590
          collection_id:
            type: string
            description: ID of the collection that created this transaction.
            format: uuid
    InvestmentSubscriptionOrderDTO:
      required:
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
    LoanRepaymentSource:
      required:
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
    TermDepositWithdrawalSourceDTO:
      required:
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
    DebtPurchaseDisbursementSource:
      required:
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
    LoanApplicationFeesSource:
      required:
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
    RtgsTransferIncomingSource:
      required:
      - counterparty_account_number
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
      - type: object
        properties:
          counterparty_account_number:
            type: string
            description: Account number of the counterparty.
          counterparty_bank_bic:
            type: string
            description: BIC of the counterparty's bank.
          end_to_end_id:
            type: string
            description: Unique identification to unambiguously identify the transfer. This identification is passed on, unchanged, throughout the entire end-to-end chain. It can be used for reconciliation or to link tasks relating to the transfer. For example, if a transfer is returned, its return will share the same endToEndId.
            example: b0bfb42baa2642c2af0ca3e880fcd590
          message:
            type: string
            description: Message attached to this transfer, visible to all involved parties.
            example: invoice n12345
    DebtPurchaseRepaymentSource:
      required:
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
    RtgsTransferOutgoingSource:
      required:
      - counterparty_account_number
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
      - type: object
        properties:
          counterparty_account_number:
            type: string
            description: Account number of the counterparty.
          counterparty_bank_bic:
            type: string
            description: BIC of the counterparty's bank.
          end_to_end_id:
            type: string
            description: Unique identification to unambiguously identify the transfer. This identification is passed on, unchanged, throughout the entire end-to-end chain. It can be used for reconciliation or to link tasks relating to the transfer. For example, if a transfer is returned, its return will share the same endToEndId.
            example: b0bfb42baa2642c2af0ca3e880fcd590
          message:
            type: string
            description: Message attached to this transfer, visible to all involved parties.
            example: invoice n12345
    CardWithdrawalSource:
      required:
      - settlement_amount
      - settlement_currency
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
      - type: object
        properties:
          settlement_amount:
            type: integer
            description: Settlement amount of the transaction, in the smallest unit of the settlement currency. The amount is always positive, use `direction` to give it a sign.
            format: int64
          settlement_currency:
            type: string
            description: Settlement currency of the transaction amount, in ISO 4217 format.
            example: USD
    RtgsTransferOutgoingReturnSource:
      required:
      - counterparty_account_number
      - reason
      - returned_transfer_reference
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
      - type: object
        properties:
          counterparty_account_number:
            type: string
            description: Account number of the counterparty.
          counterparty_bank_bic:
            type: string
            description: BIC of the counterparty's bank.
          end_to_end_id:
            type: string
            description: Unique identification to unambiguously identify the transfer. This identification is passed on, unchanged, throughout the entire end-to-end chain. It can be used for reconciliation or to link tasks relating to the transfer. For example, if a transfer is returned, its return will share the same endToEndId.
            example: b0bfb42baa2642c2af0ca3e880fcd590
          returned_transfer_reference:
            type: string
            description: Reference of the original transfer being returned.
          reason:
            type: string
            description: Reason for the return of the original transfer.
            enum:
            - bank_identifier_incorrect
            - blocked_account
            - closed_account
            - correspondent_bank_not_possible
            - creditor_bank_is_not_registered
            - creditor_psp_not_registered
            - customer_deceased
            - customer_disabled_direct_debit
            - debtor_psp_not_registered
            - disputed
            - duplication
            - end_customer_deceased
            - eri_option_not_supported
            - following_cancellation_request
            - fraudulent_originated
            - inactive_mandate
            - inconsistent_with_end_customer
            - incorrect_account_number
            - insufficient_funds
            - invalid_bank_operation_code
            - invalid_code_or_format
            - invalid_creditor_account_number
            - invalid_debtor_account
            - invalid_interbank_communication
            - invalid_transaction_code_or_invalid_file_format
            - mandate_mismatch
            - missing_creditors_name_or_address
            - missing_creditor_address
            - missing_creditor_name_or_address
            - missing_debtors_name_or_address
            - missing_debtor_account_or_identification
            - missing_debtor_name_or_address
            - missing_mandatory_information_mandate
            - no_mandate
            - no_mandate_on_scheme
            - not_specified_reason_agent_generated
            - not_specified_reason_customer_generated
            - psp_identifier_incorrect
            - refund_request_by_bank
            - refund_request_by_end_customer
            - regulatory_reason
            - requested_by_the_debtor
            - requested_by_customer
            - settlement_failed
            - specific_service_offered_by_debtor_psp
            - technical_problem
            - transaction_forbidden
            - transaction_unauthorized
            - unrecognized_initiating_party
            - wrong_amount
    Transaction:
      required:
      - account_id
      - amount
      - attachment_count
      - counterparty_name
      - currency
      - direction
      - execution_date
      - id
      - link
      - local_iban
      - reference
      - request_date
      - source
      - status
      type: object
      properties:
        id:
          type: string
          description: Unique ID of the transaction.
          format: uuid
          example: fe98f29d-5165-45ff-83f9-d7aa83e970b5
        link:
          type: string
          description: Link to this transaction in your Memo Bank workspace.
          example: https://client.memo.bank/WTHKVHUYQ/link/transactions/fe98f29d-5165-45ff-83f9-d7aa83e970b5
        reference:
          type: string
          description: Reference of the money movement. In case you initiate a transfer between two of your own accounts, both transactions (`debit` and `credit`) will have the same reference, it can be safely used to correlate them.
          format: uuid
          example: 2fd68688-9a48-4706-80d8-977c96c660f5
        account_id:
          type: string
          description: ID of the account this transaction belongs to.
          format: uuid
          example: 708683cb-60f6-464a-a62f-be2e339c34aa
        amount:
          type: integer
          description: Amount of the transaction, in the smallest unit of the `currency`. The amount is always positive, use `direction` to give it a sign.
          format: int64
        local_iban:
          type: string
          description: IBAN through which this transaction got in or out of the account. Can be the main IBAN of the account or a virtual IBAN.
          example: FR27590171083068762111832788
        currency:
          type: string
          description: Currency of the transaction amount, in ISO 4217 format.
          example: EUR
        direction:
          type: string
          description: Direction of the transaction.
          enum:
          - debit
          - credit
        request_date:
          type: string
          description: Date at which the transaction has been requested, in ISO8601 format. Usually the same as the execution date, except for scheduled transfers and transfer requests.
          format: date-time
        execution_date:
          type: string
          description: Date at which the transaction processing has started or will start, in ISO8601 format. For debits, that’s when the money is removed from the available balance of the account.
          format: date-time
        accounting_date:
          type: string
          description: Date at which the transaction has been confirmed, in ISO8601 format. For credits, that’s when the money is credited from the available balance of the account.
          format: date-time
        counterparty_name:
          type: string
          description: Name of the counterparty.
        internal_note:
          type: string
          description: Internal note attached to this transaction, visible only in your Memo Bank workspace.
          example: phone bill
        status:
          type: string
          description: Current status of the transaction.
          enum:
          - scheduled
          - authorized
          - confirmed
          - rejected
          - canceled
        batch_id:
          type: string
          description: ID of the batch this transaction belongs to, if any.
          format: uuid
          example: dc47b1ee-1bd7-4072-8d1b-27ff4297b33e
        custom_id:
          type: string
          description: Custom identifier attached to the transaction. It is not transmitted nor visible in your Memo Bank workspace. It can only be retrieved or used to search for transactions via Memo Bank API.
          example: 637406efda8534de8c0e
        custom_metadata:
          type: string
          description: Custom metadata attached to the transaction. It is not transmitted nor visible in your Memo Bank workspace and can only be retrieved via API.
          example: This is some metadata
        attachment_count:
          type: integer
          description: Number of documents attached to this transaction.
          format: int32
        source:
          $ref: '#/components/schemas/TransactionSource'
    CollectionOutgoingReturnSource:
      required:
      - returned_collection_id
      - returned_collection_reference
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
      - type: object
        properties:
          counterparty_iban:
            type: string
            description: IBAN of the counterparty. Can be null on old transactions for legacy reasons.
          counterparty_bank_bic:
            type: string
            description: BIC of the counterparty's bank. Can be null on old transactions for legacy reasons.
          message:
            type: string
            description: Message attached to this collection, visible to all involved parties.
            example: invoice n12345
          end_to_end_id:
            type: string
            description: Unique identification to unambiguously identify the collection. This identification is passed on, unchanged, throughout the entire end-to-end chain. It can be used for reconciliation or to link tasks relating to the collection. For example, if a collection is returned, its return will share the same endToEndId.
            example: b0bfb42baa2642c2af0ca3e880fcd590
          returned_collection_id:
            type: string
            description: ID of the original collection being returned.
            format: uuid
          returned_collection_reference:
            type: string
            description: Reference of the original collection being returned.
          reason:
            type: string
            description: Reason for the return of the original collection. Can be null on old transactions for legacy reasons.
            enum:
            - bank_identifier_incorrect
            - blocked_account
            - closed_account
            - correspondent_bank_not_possible
            - creditor_bank_is_not_registered
            - creditor_psp_not_registered
            - customer_deceased
            - customer_disabled_direct_debit
            - debtor_psp_not_registered
            - disputed
            - duplication
            - end_customer_deceased
            - eri_option_not_supported
            - following_cancellation_request
            - fraudulent_originated
            - inactive_mandate
            - inconsistent_with_end_customer
            - incorrect_account_number
            - insufficient_funds
            - invalid_bank_operation_code
            - invalid_code_or_format
            - invalid_creditor_account_number
            - invalid_debtor_account
            - invalid_interbank_communication
            - invalid_transaction_code_or_invalid_file_format
            - mandate_mismatch
            - missing_creditors_name_or_address
            - missing_creditor_address
            - missing_creditor_name_or_address
            - missing_debtors_name_or_address
            - missing_debtor_account_or_identification
            - missing_debtor_name_or_address
            - missing_mandatory_information_mandate
            - no_mandate
            - no_mandate_on_scheme
            - not_specified_reason_agent_generated
            - not_specified_reason_customer_generated
            - psp_identifier_incorrect
            - refund_request_by_bank
            - refund_request_by_end_customer
            - regulatory_reason
            - requested_by_the_debtor
            - requested_by_customer
            - settlement_failed
            - specific_service_offered_by_debtor_psp
            - technical_problem
            - transaction_forbidden
            - transaction_unauthorized
            - unrecognized_initiating_party
            - wrong_amount
    InvestmentRedemptionOrderDTO:
      required:
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
    DiverseOperationSource:
      required:
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
    CollectionIncomingSource:
      required:
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
      - type: object
        properties:
          counterparty_iban:
            type: string
            description: IBAN of the counterparty. Can be null on old transactions for legacy reasons.
          counterparty_bank_bic:
            type: string
            description: BIC of the counterparty's bank. Can be null on old transactions for legacy reasons.
          message:
            type: string
            description: Message attached to this collection, visible to all involved parties.
            example: invoice n12345
          end_to_end_id:
            type: string
            description: Unique identification to unambiguously identify the collection. This identification is passed on, unchanged, throughout the entire end-to-end chain. It can be used for reconciliation or to link tasks relating to the collection. For example, if a collection is returned, its return will share the same endToEndId.
            example: b0bfb42baa2642c2af0ca3e880fcd590
    LoanDisbursementSource:
      required:
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
    LoanReimbursementSource:
      required:
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
    TransferIncomingReturnSource:
      required:
      - returned_transfer_reference
      - transfer_type
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
      - type: object
        properties:
          transfer_type:
            type: string
            description: Type of the transfer.
            enum:
            - standard
            - instant
          counterparty_iban:
            type: string
            description: IBAN of the counterparty. Can be null on old transactions for legacy reasons.
          counterparty_bank_bic:
            type: string
            description: BIC of the counterparty's bank. Can be null on old transactions for legacy reasons.
          message:
            type: string
            description: Message attached to this transfer, visible to all involved parties.
            example: invoice n12345
          end_to_end_id:
            type: string
            description: Unique identification to unambiguously identify the transfer. This identification is passed on, unchanged, throughout the entire end-to-end chain. It can be used for reconciliation or to link tasks relating to the transfer. For example, if a transfer is returned, its return will share the same endToEndId.
            example: b0bfb42baa2642c2af0ca3e880fcd590
          returned_transfer_reference:
            type: string
            description: Reference of the original transfer being returned.
          reason:
            type: string
            description: Reason for the return of the original transfer. Can be null on old transactions for legacy reasons.
            enum:
            - bank_identifier_incorrect
            - blocked_account
            - closed_account
            - correspondent_bank_not_possible
            - creditor_bank_is_not_registered
            - creditor_psp_not_registered
            - customer_deceased
            - customer_disabled_direct_debit
            - debtor_psp_not_registered
            - disputed
            - duplication
            - end_customer_deceased
            - eri_option_not_supported
            - following_cancellation_request
            - fraudulent_originated
            - inactive_mandate
            - inconsistent_with_end_customer
            - incorrect_account_number
            - insufficient_funds
            - invalid_bank_operation_code
            - invalid_code_or_format
            - invalid_creditor_account_number
            - invalid_debtor_account
            - invalid_interbank_communication
            - invalid_transaction_code_or_invalid_file_format
            - mandate_mismatch
            - missing_creditors_name_or_address
            - missing_creditor_address
            - missing_creditor_name_or_address
            - missing_debtors_name_or_address
            - missing_debtor_account_or_identification
            - missing_debtor_name_or_address
            - missing_mandatory_information_mandate
            - no_mandate
            - no_mandate_on_scheme
            - not_specified_reason_agent_generated
            - not_specified_reason_customer_generated
            - psp_identifier_incorrect
            - refund_request_by_bank
            - refund_request_by_end_customer
            - regulatory_reason
            - requested_by_the_debtor
            - requested_by_customer
            - settlement_failed
            - specific_service_offered_by_debtor_psp
            - technical_problem
            - transaction_forbidden
            - transaction_unauthorized
            - unrecognized_initiating_party
            - wrong_amount
    BankAccountRemunerationSource:
      required:
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
    CollectionIncomingReturnSource:
      required:
      - returned_collection_reference
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
      - type: object
        properties:
          counterparty_iban:
            type: string
            description: IBAN of the counterparty. Can be null on old transactions for legacy reasons.
          counterparty_bank_bic:
            type: string
            description: BIC of the counterparty's bank. Can be null on old transactions for legacy reasons.
          message:
            type: string
            description: Message attached to this collection, visible to all involved parties.
            example: invoice n12345
          end_to_end_id:
            type: string
            description: Unique identification to unambiguously identify the collection. This identification is passed on, unchanged, throughout the entire end-to-end chain. It can be used for reconciliation or to link tasks relating to the collection. For example, if a collection is returned, its return will share the same endToEndId.
            example: b0bfb42baa2642c2af0ca3e880fcd590
          returned_collection_reference:
            type: string
            description: Reference of the original collection being returned.
          reason:
            type: string
            description: Reason for the return of the original collection. Can be null on old transactions for legacy reasons.
            enum:
            - bank_identifier_incorrect
            - blocked_account
            - closed_account
            - correspondent_bank_not_possible
            - creditor_bank_is_not_registered
            - creditor_psp_not_registered
            - customer_deceased
            - customer_disabled_direct_debit
            - debtor_psp_not_registered
            - disputed
            - duplication
            - end_customer_deceased
            - eri_option_not_supported
            - following_cancellation_request
            - fraudulent_originated
            - inactive_mandate
            - inconsistent_with_end_customer
            - incorrect_account_number
            - insufficient_funds
            - invalid_bank_operation_code
            - invalid_code_or_format
            - invalid_creditor_account_number
            - invalid_debtor_account
            - invalid_interbank_communication
            - invalid_transaction_code_or_invalid_file_format
            - mandate_mismatch
            - missing_creditors_name_or_address
            - missing_creditor_address
            - missing_creditor_name_or_address
            - missing_debtors_name_or_address
            - missing_debtor_account_or_identification
            - missing_debtor_name_or_address
            - missing_mandatory_information_mandate
            - no_mandate
            - no_mandate_on_scheme
            - not_specified_reason_agent_generated
            - not_specified_reason_customer_generated
            - psp_identifier_incorrect
            - refund_request_by_bank
            - refund_request_by_end_customer
            - regulatory_reason
            - requested_by_the_debtor
            - requested_by_customer
            - settlement_failed
            - specific_service_offered_by_debtor_psp
            - technical_problem
            - transaction_forbidden
            - transaction_unauthorized
            - unrecognized_initiating_party
            - wrong_amount
    RtgsTransferIncomingReturnSource:
      required:
      - counterparty_account_number
      - reason
      - returned_transfer_reference
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
      - type: object
        properties:
          counterparty_account_number:
            type: string
            description: Account number of the counterparty.
          counterparty_bank_bic:
            type: string
            description: BIC of the counterparty's bank.
          end_to_end_id:
            type: string
            description: Unique identification to unambiguously identify the transfer. This identification is passed on, unchanged, throughout the entire end-to-end chain. It can be used for reconciliation or to link tasks relating to the transfer. For example, if a transfer is returned, its return will share the same endToEndId.
            example: b0bfb42baa2642c2af0ca3e880fcd590
          returned_transfer_reference:
            type: string
            description: Reference of the original transfer being returned.
          reason:
            type: string
            description: Reason for the return of the original transfer.
            enum:
            - bank_identifier_incorrect
            - blocked_account
            - closed_account
            - correspondent_bank_not_possible
            - creditor_bank_is_not_registered
            - creditor_psp_not_registered
            - customer_deceased
            - customer_disabled_direct_debit
            - debtor_psp_not_registered
            - disputed
            - duplication
            - end_customer_deceased
            - eri_option_not_supported
            - following_cancellation_request
            - fraudulent_originated
            - inactive_mandate
            - inconsistent_with_end_customer
            - incorrect_account_number
            - insufficient_funds
            - invalid_bank_operation_code
            - invalid_code_or_format
            - invalid_creditor_account_number
            - invalid_debtor_account
            - invalid_interbank_communication
            - invalid_transaction_code_or_invalid_file_format
            - mandate_mismatch
            - missing_creditors_name_or_address
            - missing_creditor_address
            - missing_creditor_name_or_address
            - missing_debtors_name_or_address
            - missing_debtor_account_or_identification
            - missing_debtor_name_or_address
            - missing_mandatory_information_mandate
            - no_mandate
            - no_mandate_on_scheme
            - not_specified_reason_agent_generated
            - not_specified_reason_customer_generated
            - psp_identifier_incorrect
            - refund_request_by_bank
            - refund_request_by_end_customer
            - regulatory_reason
            - requested_by_the_debtor
            - requested_by_customer
            - settlement_failed
            - specific_service_offered_by_debtor_psp
            - technical_problem
            - transaction_forbidden
            - transaction_unauthorized
            - unrecognized_initiating_party
            - wrong_amount
    MaintenanceWireTransferSource:
      required:
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
    WireTransferOutgoingSource:
      required:
      - instructed_amount
      - instructed_currency
      - type
      - wire_transfer_id
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
      - type: object
        properties:
          counterparty_account_number:
            type: string
            description: Account number of the counterparty.
          message:
            type: string
            description: Message attached to this transfer, visible to all involved parties.
            example: invoice n12345
          instructed_amount:
            type: integer
            description: Instructed amount of the transaction, in the smallest unit of the instructed currency. The amount is always positive, use `direction` to give it a sign.
            format: int64
          instructed_currency:
            type: string
            description: Instructed currency of the transaction amount, in ISO 4217 format.
            example: USD
          wire_transfer_id:
            type: string
            description: ID of the wire transfer that created this transaction.
            format: uuid
    TransactionPage:
      required:
      - has_next
      - has_prev
      - results
      type: object
      properties:
        results:
          type: array
          description: Elements of the page.
          items:
            $ref: '#/components/schemas/Transaction'
        has_prev:
          type: boolean
          description: Flag indicating if there is a previous page. Deprecated, use `prev_page_token` instead.
          deprecated: true
        has_next:
          type: boolean
          description: Flag indicating if there is a next page. Deprecated, use `next_page_token` instead.
          deprecated: true
        next_page_token:
          type: string
          description: Token to fetch the next page, to be passed in subsequent requests as the `page_token` query parameter. `null` when there is no next page.
          nullable: true
          example: eyJwIjozfQ
        prev_page_token:
          type: string
          description: Token to fetch the previous page, to be passed in subsequent requests as the `page_token` query parameter. `null` when there is no previous page.
          nullable: true
          example: eyJwIjoxfQ
    TermDepositInterestPaymentSourceDTO:
      required:
      - type
      type: object
      allOf:
      - $ref: '#/components/schemas/TransactionSourceDiscriminator'
x-topics:
- title: Getting started
  content: 'To get started with our Premium Bank API, talk to your banker first. He or she needs  to activate the API feature on your Memo Bank workspace.


    Once your banker has granted you API access, you can then set up your authentication using our web interface. To do so, navigate to the  [`API`](https://client.memo.bank/api) section of your Memo Bank workspace.


    Owners and administrators can create applications and manage their permissions. They can also invite collaborators to an application, allowing them to manage certificates, IP allow-lists, and  webhooks.


    Once an application and a certificate have been created, you will have  three pieces of information allowing you to authenticate requests on  the API:

    1. a **certificate** and its SHA256 thumbprint;

    2. a **secret code**;

    3. a cryptographic **private key**.

    '
- title: Authentication
  content: "Our authentication is based on JSON Web Token ([JWT](https://datatracker.ietf.org/doc/html/rfc7519)) and JSON Web Signature ([JWS](https://datatracker.ietf.org/doc/html/rfc7515)).\n\nRegardless of which programming language you are using, there should be [a library](https://jwt.io/libraries) to handle the cryptographic part for you. All you need is to provide the correct header and payload claims. \n\n**In the JWT header:**\n- `alg` must be `RS256`, as we require an RSA-SHA256 signature. \n- `typ` must be `JWT`.\n- `x5t#S256` is the SHA256 thumbprint of the certificate, which you can find in the user interface.\n\n**In the JWT payload:**\n- `sub` must be the request method, followed by a space and the full path, including query parameters.\n- `aud` must be the domain to which you are making the request, e.g., `api.memo.bank`.\n- `iat` must be the timestamp at which you created the token. Note that we accept only a 5-second difference from the server time to mitigate clock skew.\n- `jti` must be a unique identifier for the token. It must be different for each request and follow the UUID format.\n- `sec` must be the secret information you obtained during the setup process in the user interface. This is a custom claim not covered by the JWT specification.\n- `dig#S256` must contain the base64url-encoded SHA-256 hash of the body (`base64url(sha256(body))`, see [`base64url`](https://datatracker.ietf.org/doc/html/rfc7515#appendix-C)). It must be provided only if the request has a body; for example, it is not necessary for `GET` requests. This is a custom claim not covered by the JWT specification.\n\nThe JWT must then be **signed with the private key** you generated during the setup (see [Getting started](#topic-getting-started)), and included in the HTTP headers of the request, as a standard bearer token `Authorization: Bearer <token>`.\n"
  example: "_Example JWT header and payload_\n```json\n{\n  \"alg\": \"RS256\",\n  \"typ\": \"JWT\",\n  \"x5t#S256\": \"3A14ZcxIaasp4RHaYReL7wevm3oDzn7ZqmgqScCMY74\"\n}\n{\n  \"sub\": \"POST /v1/transfers\",\n  \"aud\": \"api.memo.bank\",\n  \"iat\": 1657055009,\n  \"jti\": \"5525620b-9dcd-4562-8c6c-60984f46cb48\",\n  \"sec\": \"a2029d646c94406d2945b7a2b31e4fb3ff09a6d0ae29144380775b5471c4e846\",\n  \"dig#S256\": \"lW6N_kO2gPMsMkzXyn028gWwrnaN0kJaiy7FMJcR0Ek\"\n}\n```\n"
- title: Idempotent requests
  content: "Our Premium Bank API supports **idempotency** to safely retry requests without accidentally performing the same operation twice. This is useful when an API call is disrupted in transit and you do not receive a response. For example, if a request to create a transfer does not go through due to a network connection error, you can retry the request with the same  idempotency key to guarantee that only the single transfer originally  attempted is created.\n\nTo perform an idempotent request, provide an additional `Idempotency-Key` **request header**. We recommend using a **V4 UUID**. If the API call fails with a network error or responds with a  `5XX`, `409`, or `429` status code, we expect the caller to perform retries with the same `Idempotency-Key` header until it responds differently. For any other response code, especially other `4XX` errors, there is no point in attempting retries, as we will always return the same result. \n\nWhen a previous response is replayed, the response includes an  additional HTTP header: `Idempotent-Replayed: true`.\n\nIf an original request is still being processed when an idempotency key is reused, the API will return a `409 Conflict` error  (which is safe to retry).\n\nSubsequent requests must be identical to the original request, or the API  will return a `422 Unprocessable Entity` error. We do not support setting  an idempotency key on `GET` and `DELETE` requests, as these requests are inherently idempotent.\n"
  example: "```\ncurl --request POST \\\n  --url https://api.memo.bank/v1/transfers \\\n  --header 'Authorization: Bearer ***' \\\n  --header 'Idempotency-Key: 19b390d1-e7d4-4e27-abe2-49cac9b41ba1' \\\n  --header 'Content-Type: application/json' \\\n  --data '{...}'\n```\n"
- title: Errors
  content: 'Our Premium Bank API uses standard HTTP response codes to indicate the success or failure of requests. Codes in the `2xx` range indicate success; codes in the `4xx` and `5xx` ranges indicate errors. The format of error messages is unified and can be distinguished by their `code` key. The `message` provides a plain English explanation of the problem.

    '
  example: "```json\n{\n  \"code\": \"error_code\",\n  \"message\": \"Example error message.\",\n}\n```\n"
- title: Versioning and backwards compatibility
  content: 'Our Premium Bank API is versioned by path (`/v1/...`). When we introduce breaking changes, we will increase this version number. We will, of course, continually make backward-compatible changes without increasing the version number.


    Examples of changes we do **not** consider breaking include:

    * Adding new API resources.

    * Adding new optional request parameters to existing API methods.

    * Adding new properties to existing API responses. We will occasionally move response fields in the API and will continue to return the existing field in its previous location while removing it from this documentation.

    * Changing the order of properties in existing API responses.

    * Changing the length or format of opaque strings, such as object IDs, error messages, and other human-readable strings. Strings that are marked as const or enum in this documentation will not change.

    * Adding new `EventType` or `ResourceType` enum values for webhooks.

    * Adding new `TransactionSource` enum values for transactions.

    '
- title: Rate limiting
  content: "We enforce a rate limit on the number of HTTP requests that can be made in a  given period. When the limit is reached, our Premium Bank API will return a `429 Too Many Requests` error.\n\nTo allow you to handle this rate limiting programmatically, the following headers are sent with every response: \n- `RateLimit-Limit`: total number of available requests between two quota resets;\n- `RateLimit-Remaining`: number of available requests until the quota is reset;\n- `RateLimit-Reset`: time remaining (in seconds) until the quota is reset.\n"
- title: API recipes
  content: 'While our OpenAPI specification provides a comprehensive reference for the Memo Bank API, we''ve created  API recipes to give you practical, hands-on guides for common use cases. These recipes offer step-by-step  examples to help you quickly integrate and leverage our API. You can find them here:  [API Premium - Memo Bank](https://aide.memo.bank/category/349-api)

    '
- title: FAQ
  content: '### How do transactions differ from transfers and collections?

    Transfers and collections are types of transactions that you can initiate through the API. They have dedicated  endpoint resources to help you follow their detailed lifecycle. On the other hand,  transactions allow you to follow the lifecycle of all transactions, including those not initiated through  the API (incoming transactions, card transactions, etc). Since transfers and collections are a subset of  transactions, some webhook events will be triggered simultaneously (for instance, `transfer_confirmed` and  `transaction_confirmed`), and you can use either.

    ### Is creating a beneficiary or mandate mandatory before initiating transactions?

    Creating a beneficiary for transfers or a mandate for collections is not mandatory. When initiating a new  transfer or collection, you will provide the counterpart data directly in the initiating endpoint,  We will auto-create it, and you will be able to see it in the interface. For subsequent transfers/collections,  you will continue to provide the counterpart data, and we will match it with any existing beneficiary/mandate  in the interface.

    ### How can I reconcile a return with its original transfer or collection?

    The events `transfer_returned` and `collection_returned` received via webhook will inform you if a  return occurred on either a transfer or a collection. The `resource_id` in those events refers to the ID  of the original transfer/collection. The `return_transaction_id` field on those resources will reference  the return transaction, which is a new transaction typically with the same amount and opposite direction  compared to the original transaction. This new transaction will itself trigger a `transaction_confirmed`  webhook event. For such transactions, if you call [get the transaction](https://docs.api.memo.bank/operation/operation-gettransaction) and check the [source type](https://docs.api.memo.bank/operation/operation-gettransaction#operation-gettransaction-200-body-application-json-source-type),  it will either be `transfer_outgoing_return` or `collection_outgoing_return`.  The `returned_collection_id`/`returned_transfer_id` field will contain the ID of your original  collection/transfer that has been returned.

    ### How can I differentiate transaction types?

    To differentiate transaction types, you can use the [type](https://docs.api.memo.bank/operation/operation-gettransaction#operation-gettransaction-200-body-application-json-source-type) contained in the [source](https://docs.api.memo.bank/operation/operation-gettransaction#operation-gettransaction-200-body-application-json-source) object.

    ### How do I express amounts for different currencies?

    Amounts are always integers expressed in the smallest unit of their currency. When you [create a wire transfer](https://docs.api.memo.bank/operation/operation-createwiretransfer), the unit is determined by the `instructed_currency` you provide, so the same `instructed_amount` value represents a different sum depending on the currency:

    - `instructed_amount: 1234` with `instructed_currency: EUR` means 12.34 €, as the euro has two decimals;

    - `instructed_amount: 5000` with `instructed_currency: JPY` means 5,000 ¥, not 50 ¥, as the Japanese yen has no decimal;

    - `instructed_amount: 1500` with `instructed_currency: TND` means 1.500 TND, that is one and a half dinars and not 1,500 dinars, as the Tunisian dinar has three decimals.


    The number of decimals is defined by the ISO 4217 standard for each currency, rely on that standard rather than assuming two decimals.

    SEPA [transfers](#endpoint-transfers) and [collections](#endpoint-collections) are euro-only, so their `amount` is always a number of cents.

    ### What happens if my system is unavailable when Memo Bank sends webhooks?

    We will retry each webhook event independently 8 times following an exponential backoff. The intervals between retries are: 3 min, 10 min, 30 min, 1 hour, 6 hours, 12 hours, 1 day, and 3 days. After that, we will stop retrying, but  you will be able to manually trigger a retry through our interface.

    ### When using the `instant_if_available` strategy, will Memo Bank retry a failed instant transfer as a standard transfer?

    No, we will not retry failed instant transfers as standard transfers. However, we recommend that you do so. If an  instant transfer fails, retrying it or using a standard transfer is often the best course of action.  `instant_if_available` will only ensure that we process your transfer as standard if the counterparty bank does not support instant transfers.

    ### What is the difference between failed and cancelled transaction statuses?

    Your transaction will end up in a cancelled status when you choose to cancel it either through  our API or our interface. In some cases, your transaction may also end up in a cancelled status due  to internal processing reasons, but most of the time, for processing reasons, your transaction will end up  in a failed status. Both statuses are definitive, and if you did not initiate the cancellation, you can consider them equivalent in your development.

    ### Are webhooks triggered for transactions not initiated with the API?

    Yes, they are. Webhooks are triggered regardless of the channel you use to initiate your transaction.

    ### Is it possible to initiate a payment via API and have it validated by a human on the interface?

    No, it is not possible. Our API is designed for automated, human-free transactions at scale.

    ### How can I stay informed about the latest API updates?

    We provide an RSS feed that you can subscribe to. It is available at this [URL](https://docs.api.memo.bank/changes) when you click the `Get Updates` button at the top of the page.

    '
- title: Sandbox
  content: 'We offer a sandbox, allowing you to integrate your application with our API in a controlled environment. Get in touch with your banker to create an access.


    All the endpoints described in this specification can be used on the sandbox. We also offer some [sandbox only endpoints](#endpoint-sandbox), allowing you to simulate incoming transactions.


    The base URL for the sandbox API is https://api.sandbox.memo.bank and the URL for the sandbox web interface is https://client.sandbox.memo.bank.


    To get to know more about our sandbox behavior and features, please read [our dedicated help page](https://aide.memo.bank/article/398-api-sandbox).

    '