openapi: 3.0.1
info:
  title: Notch API (unreconciled capability model) Bank Accounts Payment Methods 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: Payment Methods
paths:
  /payment-methods:
    get:
      operationId: listPaymentMethods
      tags:
      - Payment Methods
      summary: List stored payment methods (unreconciled).
      responses:
        '200':
          description: A list of payment methods.
          content:
            application/json:
              schema:
                type: array
                items:
                  $ref: '#/components/schemas/PaymentMethod'
    post:
      operationId: createPaymentMethod
      tags:
      - Payment Methods
      summary: Store a payment method (unreconciled).
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/PaymentMethod'
      responses:
        '201':
          description: Payment method stored.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PaymentMethod'
components:
  schemas:
    PaymentMethod:
      type: object
      description: A stored payment method (illustrative).
      properties:
        id:
          type: string
        customer_id:
          type: string
        type:
          type: string
          enum:
          - card
          - bank_account
        brand:
          type: string
          enum:
          - visa
          - mastercard
          - amex
        last4:
          type: string
        is_default:
          type: boolean
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      description: Illustrative Bearer API key scheme. Notch's actual authentication mechanism is not publicly documented and is unverified.