{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://raw.githubusercontent.com/api-evangelist/methodfi/main/json-schema/methodfi-account-payoff-response-schema.json",
  "title": "AccountPayoffResponse",
  "x-generated": "2026-10-12",
  "x-method": "derived",
  "x-generator": "derive-json-schema.py",
  "x-source": "openapi/methodfi-account-payoffs-api-openapi.yml#/components/schemas/AccountPayoffResponse",
  "allOf": [
    {
      "$ref": "#/$defs/SuccessEnvelope"
    },
    {
      "type": "object",
      "properties": {
        "data": {
          "$ref": "#/$defs/AccountPayoff"
        }
      }
    }
  ],
  "$defs": {
    "AccountPayoff": {
      "type": "object",
      "description": "A payoff record for an account.",
      "required": [
        "id",
        "account_id",
        "status",
        "amount",
        "term",
        "per_diem_amount",
        "created_at",
        "updated_at"
      ],
      "properties": {
        "id": {
          "type": "string",
          "description": "Unique identifier for the payoff.",
          "pattern": "^pyf_\\w+$"
        },
        "account_id": {
          "type": "string",
          "description": "The account this payoff belongs to.",
          "pattern": "^acc_\\w+$"
        },
        "status": {
          "type": "string",
          "description": "Current status of the payoff request.",
          "enum": [
            "completed",
            "pending",
            "failed"
          ]
        },
        "amount": {
          "type": [
            "number",
            "null"
          ],
          "description": "The payoff amount in cents."
        },
        "term": {
          "type": [
            "number",
            "null"
          ],
          "description": "Number of days the payoff amount is valid."
        },
        "per_diem_amount": {
          "type": [
            "number",
            "null"
          ],
          "description": "Per diem interest amount in cents."
        },
        "error": {
          "$ref": "#/$defs/PayoffResourceError"
        },
        "created_at": {
          "type": "string",
          "format": "date-time",
          "description": "Timestamp when the payoff was created."
        },
        "updated_at": {
          "type": "string",
          "format": "date-time",
          "description": "Timestamp when the payoff was last updated."
        }
      }
    },
    "PayoffResourceError": {
      "type": [
        "object",
        "null"
      ],
      "description": "Error details when a payoff sync fails.",
      "required": [
        "type",
        "code",
        "sub_type",
        "message"
      ],
      "properties": {
        "type": {
          "type": "string",
          "description": "The category of payoff error.",
          "enum": [
            "PAYOFF_FAILED"
          ]
        },
        "code": {
          "type": "integer",
          "description": "Numeric error code (18XXX range).",
          "enum": [
            18001
          ]
        },
        "sub_type": {
          "type": "string",
          "description": "Specific payoff error classification.",
          "enum": [
            "PAYOFF_TEMPORARILY_UNAVAILABLE"
          ]
        },
        "message": {
          "type": "string",
          "description": "Human-readable error description."
        }
      }
    },
    "SuccessEnvelope": {
      "type": "object",
      "description": "Standard envelope for successful responses that return a single payload.",
      "required": [
        "success",
        "data",
        "message"
      ],
      "properties": {
        "success": {
          "type": "boolean",
          "description": "Always `true` for successful responses."
        },
        "data": {
          "description": "Operation-specific response payload."
        },
        "message": {
          "type": [
            "string",
            "null"
          ]
        }
      }
    }
  }
}