openapi: 3.0.1
info:
  title: Notch API (unreconciled capability model) Bank Accounts Customers 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: Customers
paths:
  /customers:
    get:
      operationId: listCustomers
      tags:
      - Customers
      summary: List customers (unreconciled).
      responses:
        '200':
          description: A list of customers.
          content:
            application/json:
              schema:
                type: array
                items:
                  $ref: '#/components/schemas/Customer'
    post:
      operationId: createCustomer
      tags:
      - Customers
      summary: Create a customer (unreconciled).
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/Customer'
      responses:
        '201':
          description: Customer created.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Customer'
  /customers/{customerId}:
    get:
      operationId: getCustomer
      tags:
      - Customers
      summary: Retrieve a customer (unreconciled).
      parameters:
      - $ref: '#/components/parameters/customerId'
      responses:
        '200':
          description: A customer.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Customer'
components:
  parameters:
    customerId:
      name: customerId
      in: path
      required: true
      schema:
        type: string
  schemas:
    Customer:
      type: object
      description: A customer / payer account (illustrative).
      properties:
        id:
          type: string
        name:
          type: string
        email:
          type: string
          format: email
        autopay_enabled:
          type: boolean
        created_at:
          type: string
          format: date-time
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      description: Illustrative Bearer API key scheme. Notch's actual authentication mechanism is not publicly documented and is unverified.