openapi: 3.0.1
info:
  title: Openpay BankAccounts Charges API
  description: REST API for the Openpay online payments platform (BBVA group), available in Mexico and Colombia. Resources are scoped to a merchant under the path /v1/{merchant_id}. The API supports charges against cards, convenience stores (cash), and banks (SPEI); customers and stored cards; client-side tokens; recurring plans and subscriptions; payouts and transfers to bank accounts; commission fees; and webhook notifications. Authentication uses HTTP Basic auth with the merchant private API key as the username and an empty password.
  termsOfService: https://www.openpay.mx/terminos-y-condiciones.html
  contact:
    name: Openpay Support
    url: https://www.openpay.mx
    email: soporte@openpay.mx
  version: '1.0'
servers:
- url: https://api.openpay.mx/v1
  description: Production (Mexico)
- url: https://sandbox-api.openpay.mx/v1
  description: Sandbox (Mexico)
- url: https://api.openpay.co/v1
  description: Production (Colombia)
- url: https://sandbox-api.openpay.co/v1
  description: Sandbox (Colombia)
security:
- basicAuth: []
tags:
- name: Charges
  description: Create and manage charges to cards, stores, and banks.
paths:
  /{merchant_id}/charges:
    parameters:
    - $ref: '#/components/parameters/MerchantId'
    post:
      operationId: createMerchantCharge
      tags:
      - Charges
      summary: Create a charge at the merchant level.
      description: Creates a charge against a card (saved card id, token, or raw card data), a store (cash), or a bank (SPEI). For card charges, set capture=false to authorize without capturing.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/CreateCharge'
      responses:
        '200':
          description: Charge created.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Charge'
        '400':
          $ref: '#/components/responses/Error'
        '402':
          $ref: '#/components/responses/Error'
    get:
      operationId: listMerchantCharges
      tags:
      - Charges
      summary: List charges at the merchant level.
      parameters:
      - $ref: '#/components/parameters/Creation'
      - $ref: '#/components/parameters/Offset'
      - $ref: '#/components/parameters/Limit'
      responses:
        '200':
          description: A list of charges.
          content:
            application/json:
              schema:
                type: array
                items:
                  $ref: '#/components/schemas/Charge'
  /{merchant_id}/charges/{transaction_id}:
    parameters:
    - $ref: '#/components/parameters/MerchantId'
    - $ref: '#/components/parameters/TransactionId'
    get:
      operationId: getMerchantCharge
      tags:
      - Charges
      summary: Get a charge by id.
      responses:
        '200':
          description: The charge.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Charge'
        '404':
          $ref: '#/components/responses/Error'
  /{merchant_id}/charges/{transaction_id}/refund:
    parameters:
    - $ref: '#/components/parameters/MerchantId'
    - $ref: '#/components/parameters/TransactionId'
    post:
      operationId: refundMerchantCharge
      tags:
      - Charges
      summary: Refund a charge.
      requestBody:
        required: false
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/RefundRequest'
      responses:
        '200':
          description: The refunded charge.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Charge'
  /{merchant_id}/charges/{transaction_id}/capture:
    parameters:
    - $ref: '#/components/parameters/MerchantId'
    - $ref: '#/components/parameters/TransactionId'
    post:
      operationId: captureMerchantCharge
      tags:
      - Charges
      summary: Capture a previously authorized charge.
      requestBody:
        required: false
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/CaptureRequest'
      responses:
        '200':
          description: The captured charge.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Charge'
  /{merchant_id}/customers/{customer_id}/charges:
    parameters:
    - $ref: '#/components/parameters/MerchantId'
    - $ref: '#/components/parameters/CustomerId'
    post:
      operationId: createCustomerCharge
      tags:
      - Charges
      summary: Create a charge at the customer level.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/CreateCharge'
      responses:
        '200':
          description: Charge created.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Charge'
    get:
      operationId: listCustomerCharges
      tags:
      - Charges
      summary: List a customer's charges.
      parameters:
      - $ref: '#/components/parameters/Offset'
      - $ref: '#/components/parameters/Limit'
      responses:
        '200':
          description: A list of charges.
          content:
            application/json:
              schema:
                type: array
                items:
                  $ref: '#/components/schemas/Charge'
components:
  parameters:
    Offset:
      name: offset
      in: query
      required: false
      description: Number of records to skip for pagination.
      schema:
        type: integer
        default: 0
    TransactionId:
      name: transaction_id
      in: path
      required: true
      schema:
        type: string
    MerchantId:
      name: merchant_id
      in: path
      required: true
      description: The merchant identifier that scopes all resources.
      schema:
        type: string
    Creation:
      name: creation
      in: query
      required: false
      description: Filter by creation date (yyyy-mm-dd).
      schema:
        type: string
        format: date
    CustomerId:
      name: customer_id
      in: path
      required: true
      schema:
        type: string
    Limit:
      name: limit
      in: query
      required: false
      description: Maximum number of records to return.
      schema:
        type: integer
        default: 10
  schemas:
    CaptureRequest:
      type: object
      properties:
        amount:
          type: number
          format: float
          description: Amount to capture, up to the authorized amount.
    ChargeCustomer:
      type: object
      properties:
        name:
          type: string
        last_name:
          type: string
        email:
          type: string
        phone_number:
          type: string
    Error:
      type: object
      properties:
        category:
          type: string
          enum:
          - request
          - internal
          - gateway
          description: Whether the error is in the request, internal, or at the gateway.
        error_code:
          type: integer
          description: Openpay-specific error code.
        description:
          type: string
        http_code:
          type: integer
        request_id:
          type: string
        fraud_rules:
          type: array
          items:
            type: string
    PaymentMethod:
      type: object
      description: Method-specific payment details, present for store and bank charges (e.g. reference, barcode_url, clabe, agreement, name).
      properties:
        type:
          type: string
        reference:
          type: string
        barcode_url:
          type: string
        clabe:
          type: string
        agreement:
          type: string
        name:
          type: string
    RefundRequest:
      type: object
      properties:
        description:
          type: string
        amount:
          type: number
          format: float
          description: Optional partial refund amount.
    CreateCharge:
      type: object
      required:
      - method
      - amount
      properties:
        method:
          type: string
          enum:
          - card
          - store
          - bank_account
          description: The payment method for the charge.
        source_id:
          type: string
          description: A stored card id or a token id (for card charges).
        amount:
          type: number
          format: float
          description: Charge amount in the merchant currency.
        currency:
          type: string
          example: MXN
        description:
          type: string
        order_id:
          type: string
          description: Unique merchant order identifier.
        device_session_id:
          type: string
          description: Anti-fraud device session id captured client-side.
        capture:
          type: boolean
          default: true
          description: Set false to authorize without capturing.
        customer:
          $ref: '#/components/schemas/ChargeCustomer'
    Card:
      type: object
      properties:
        id:
          type: string
        type:
          type: string
          enum:
          - debit
          - credit
        brand:
          type: string
          example: visa
        card_number:
          type: string
          description: Masked card number.
        holder_name:
          type: string
        expiration_year:
          type: string
        expiration_month:
          type: string
        bank_name:
          type: string
        bank_code:
          type: string
        creation_date:
          type: string
          format: date-time
    Charge:
      type: object
      properties:
        id:
          type: string
        authorization:
          type: string
        method:
          type: string
        operation_type:
          type: string
          example: in
        transaction_type:
          type: string
          example: charge
        status:
          type: string
          enum:
          - completed
          - in_progress
          - failed
          - cancelled
          - refunded
        amount:
          type: number
          format: float
        currency:
          type: string
        description:
          type: string
        order_id:
          type: string
        creation_date:
          type: string
          format: date-time
        operation_date:
          type: string
          format: date-time
        card:
          $ref: '#/components/schemas/Card'
        payment_method:
          $ref: '#/components/schemas/PaymentMethod'
        error_message:
          type: string
  responses:
    Error:
      description: An Openpay error response.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
  securitySchemes:
    basicAuth:
      type: http
      scheme: basic
      description: HTTP Basic authentication. Use the merchant private API key as the username and leave the password empty.