{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "#/components/schemas/InstantPaymentResponse",
  "title": "InstantPaymentResponse",
  "type": "object",
  "description": "Response for an instant payment including real-time status",
  "properties": {
    "paymentId": {
      "type": "string",
      "description": "Unique payment identifier"
    },
    "messageId": {
      "type": "string",
      "description": "Message identification"
    },
    "endToEndId": {
      "type": "string",
      "description": "End-to-end identification"
    },
    "transactionId": {
      "type": "string",
      "description": "Transaction identification"
    },
    "status": {
      "type": "string",
      "description": "Payment processing status (ISO 20022 status codes)",
      "enum": [
        "ACCP",
        "ACSC",
        "ACSP",
        "RJCT"
      ]
    },
    "reasonCode": {
      "type": "string",
      "description": "Rejection reason code if status is RJCT"
    },
    "settlementDate": {
      "type": "string",
      "format": "date",
      "description": "Settlement date"
    },
    "acceptanceDateTime": {
      "type": "string",
      "format": "date-time",
      "description": "Timestamp of payment acceptance"
    }
  }
}