openapi: 3.0.1
info:
  title: Notch API (unreconciled capability model) Bank Accounts API
  description: 'Capability model of the Notch (notch.financial) accounts-receivable / accounts-payable automation platform for the food and beverage and wholesale distribution industry.

    IMPORTANT: Notch states an API is available for integration, but as of 2026-06-21 it does NOT publish a public developer reference, OpenAPI document, base URL, or authentication guide. This specification is an UNRECONCILED model derived from documented product capabilities (invoices/bills, payment collection and processing, customer payment portals, stored card and EFT/ACH payment methods, bank accounts, and accounting/ERP data sync). Paths, schemas, server URL, and the Bearer authentication scheme below are illustrative placeholders and are NOT confirmed against an official Notch specification. Do not treat them as production contracts. Reconcile against Notch''s developer documentation when it becomes publicly available.

    Disambiguation: not Notch Pay (notchpay.co), not notch.cx, and not the Notch restaurant ordering platform.'
  contact:
    name: Notch
    url: https://www.notch.financial
  version: 0.0.0-unreconciled
servers:
- url: https://api.notch.financial
  description: Placeholder base URL. Notch does not document a public API base URL; this value is illustrative and unverified.
security:
- bearerAuth: []
tags:
- name: Bank Accounts
paths:
  /bank-accounts:
    get:
      operationId: listBankAccounts
      tags:
      - Bank Accounts
      summary: List bank accounts (unreconciled).
      responses:
        '200':
          description: A list of bank accounts.
          content:
            application/json:
              schema:
                type: array
                items:
                  $ref: '#/components/schemas/BankAccount'
    post:
      operationId: createBankAccount
      tags:
      - Bank Accounts
      summary: Add a bank account for EFT/ACH (unreconciled).
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/BankAccount'
      responses:
        '201':
          description: Bank account added.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/BankAccount'
components:
  schemas:
    BankAccount:
      type: object
      description: A bank account used for EFT/ACH transfers (illustrative).
      properties:
        id:
          type: string
        customer_id:
          type: string
        account_holder_name:
          type: string
        bank_name:
          type: string
        last4:
          type: string
        type:
          type: string
          enum:
          - checking
          - savings
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      description: Illustrative Bearer API key scheme. Notch's actual authentication mechanism is not publicly documented and is unverified.