openapi: 3.1.0
info:
  title: Montran Corporate Payments Portal Account Information Credit Transfers API
  description: The Montran Corporate Payments Portal enables corporates to exercise complete control over accounts at their various bank relationships, with the ability to make secure payments over the Internet. It supports SWIFT payments and local clearing delivery through API integration and H2H (Host-to-Host) protocols. Corporates can connect their ERP systems and manually or automatically upload invoices for payments and collections management. The portal provides multi-bank visibility and supports secure payment initiation across multiple currencies and payment types.
  version: 1.0.0
  contact:
    name: Montran Corporation
    url: https://www.montran.com/contact-us/
  license:
    name: Proprietary
    url: https://www.montran.com/terms-conditions/
  x-logo:
    url: https://www.montran.com/logo.png
servers:
- url: https://api.montran.com/corporate/v1
  description: Montran Corporate Payments Portal API Server
security:
- bearerAuth: []
- apiKey: []
tags:
- name: Credit Transfers
  description: Credit transfer payment operations including SEPA and cross-border
paths:
  /credit-transfers:
    post:
      operationId: initiateCreditTransfer
      summary: Montran Initiate a credit transfer
      description: Initiates a credit transfer payment using ISO 20022 pain.001 CustomerCreditTransferInitiation format. Supports SEPA credit transfers, Target2 high-value payments, Fedwire transfers, CHIPS payments, and cross-border SWIFT transfers. The system automatically routes the payment to the appropriate clearing mechanism.
      tags:
      - Credit Transfers
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/CreditTransferInitiation'
      responses:
        '201':
          description: Credit transfer successfully initiated
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PaymentResponse'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          $ref: '#/components/responses/UnprocessableEntity'
        '500':
          $ref: '#/components/responses/InternalServerError'
components:
  schemas:
    Error:
      type: object
      description: Standard error response
      required:
      - code
      - message
      properties:
        code:
          type: string
          description: Error code
        message:
          type: string
          description: Human-readable error message
        details:
          type: array
          description: Detailed error information
          items:
            type: object
            properties:
              field:
                type: string
                description: Field that caused the error
              message:
                type: string
                description: Error detail message
    CreditTransferInitiation:
      type: object
      description: Credit transfer initiation request aligned with ISO 20022 pain.001 CustomerCreditTransferInitiation
      required:
      - debtorAccount
      - creditorAccount
      - amount
      - currency
      properties:
        messageId:
          type: string
          description: Unique message identification
        paymentInformationId:
          type: string
          description: Payment information identification
        numberOfTransactions:
          type: integer
          description: Number of individual transactions in the message
        controlSum:
          type: number
          format: double
          description: Total of all individual amounts
        debtorName:
          type: string
          description: Name of the debtor
        debtorAccount:
          $ref: '#/components/schemas/AccountIdentification'
        debtorAgent:
          $ref: '#/components/schemas/FinancialInstitution'
        creditorName:
          type: string
          description: Name of the creditor
        creditorAccount:
          $ref: '#/components/schemas/AccountIdentification'
        creditorAgent:
          $ref: '#/components/schemas/FinancialInstitution'
        amount:
          type: number
          format: double
          description: Instructed amount
          minimum: 0.01
        currency:
          type: string
          description: ISO 4217 currency code
          pattern: ^[A-Z]{3}$
        requestedExecutionDate:
          type: string
          format: date
          description: Requested execution date
        endToEndId:
          type: string
          description: End-to-end identification
        remittanceInformation:
          type: string
          description: Remittance information
        chargeBearer:
          type: string
          enum:
          - DEBT
          - CRED
          - SHAR
          - SLEV
        categoryPurpose:
          type: string
          description: Category purpose code for the payment
        serviceLevel:
          type: string
          description: Service level code (e.g., SEPA for SEPA payments)
    PaymentResponse:
      type: object
      description: Response returned after successful payment initiation
      properties:
        paymentId:
          type: string
          description: Unique payment identifier assigned by the system
        messageId:
          type: string
          description: Original message identification
        endToEndId:
          type: string
          description: End-to-end identification
        status:
          type: string
          description: Current payment status
          enum:
          - RECEIVED
          - VALIDATED
          - PENDING
        clearingSystem:
          type: string
          description: Assigned clearing and settlement mechanism
        createdAt:
          type: string
          format: date-time
          description: Timestamp when the payment was created
    FinancialInstitution:
      type: object
      description: Financial institution identification
      properties:
        bic:
          type: string
          description: Bank Identifier Code (SWIFT/BIC)
          pattern: ^[A-Z]{4}[A-Z]{2}[A-Z0-9]{2}([A-Z0-9]{3})?$
        name:
          type: string
          description: Name of the financial institution
        clearingSystemMemberId:
          type: string
          description: Clearing system member identification
    AccountIdentification:
      type: object
      description: Account identification using IBAN or proprietary account number
      properties:
        iban:
          type: string
          description: International Bank Account Number
          pattern: ^[A-Z]{2}[0-9]{2}[A-Z0-9]{4,30}$
        accountNumber:
          type: string
          description: Proprietary account number
        currency:
          type: string
          description: Account currency (ISO 4217)
          pattern: ^[A-Z]{3}$
  responses:
    Unauthorized:
      description: Authentication required or credentials invalid
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    BadRequest:
      description: Bad request - invalid parameters or malformed request
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    UnprocessableEntity:
      description: Request validation failed
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    InternalServerError:
      description: Internal server error
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT
    apiKey:
      type: apiKey
      in: header
      name: X-API-Key
externalDocs:
  description: Montran Corporate Payments Portal Documentation
  url: https://www.montran.com/solutions/corporate-payments-portal/