openapi: 3.0.1
info:
  title: Pismo Accounts API
  description: Specification of the Pismo cloud-native issuer-processing and core-banking platform API. Covers accounts, customers, cards, authorizations, transactions and statements, programs, and event/webhook configuration. Pismo is a Visa-owned platform (acquired January 2024). Authentication uses OAuth2 client-credentials to obtain a Bearer access token; account-scoped endpoints additionally require an account-specific token that encodes a Pismo account ID.
  termsOfService: https://www.pismo.io
  contact:
    name: Pismo Developer Support
    url: https://developers.pismo.io
  version: '1.0'
servers:
- url: https://api.pismo.io
  description: Production
- url: https://sandbox.pismolabs.io
  description: Sandbox
security:
- bearerAuth: []
tags:
- name: Accounts
  description: Core-banking account lifecycle and balances.
paths:
  /accounts/v1/accounts:
    post:
      operationId: createAccount
      tags:
      - Accounts
      summary: Create account
      description: Creates a core-banking account bound to a customer and a program.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/CreateAccountRequest'
      responses:
        '201':
          description: Account created.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Account'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /accounts/v1/accounts/{accountId}:
    get:
      operationId: getAccount
      tags:
      - Accounts
      summary: Get account
      parameters:
      - $ref: '#/components/parameters/AccountId'
      responses:
        '200':
          description: Account found.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Account'
        '404':
          $ref: '#/components/responses/NotFound'
    patch:
      operationId: updateAccount
      tags:
      - Accounts
      summary: Update account
      parameters:
      - $ref: '#/components/parameters/AccountId'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/UpdateAccountRequest'
      responses:
        '200':
          description: Account updated.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Account'
  /accounts/v1/accounts/{accountId}/status:
    patch:
      operationId: updateAccountStatus
      tags:
      - Accounts
      summary: Update account status
      parameters:
      - $ref: '#/components/parameters/AccountId'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/AccountStatusUpdate'
      responses:
        '200':
          description: Status updated.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Account'
  /accounts/v1/accounts/{accountId}/entity:
    patch:
      operationId: transferAccountOwnership
      tags:
      - Accounts
      summary: Transfer account ownership
      parameters:
      - $ref: '#/components/parameters/AccountId'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              properties:
                customer_id:
                  type: integer
                  format: int64
      responses:
        '200':
          description: Ownership transferred.
  /accounts/v1/account-balances:
    get:
      operationId: getAccountBalance
      tags:
      - Accounts
      summary: Get account balance
      parameters:
      - name: account_id
        in: query
        required: true
        schema:
          type: integer
          format: int64
      responses:
        '200':
          description: Current balance.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AccountBalance'
components:
  responses:
    NotFound:
      description: Resource not found.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    Unauthorized:
      description: Missing or invalid Bearer token.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
  schemas:
    AccountStatusUpdate:
      type: object
      required:
      - status
      properties:
        status:
          type: string
          enum:
          - NORMAL
          - BLOCKED
          - CANCELLED
          - CLOSED
        reason:
          type: string
    Error:
      type: object
      properties:
        type:
          type: string
        title:
          type: string
        status:
          type: integer
        detail:
          type: string
    AccountBalance:
      type: object
      properties:
        account_id:
          type: integer
          format: int64
        available_amount:
          type: number
          format: double
        current_amount:
          type: number
          format: double
        currency:
          type: string
    CreateAccountRequest:
      type: object
      required:
      - customer_id
      - program_id
      properties:
        customer_id:
          type: integer
          format: int64
        program_id:
          type: integer
          format: int64
        processing_code:
          type: string
        currency:
          type: string
          example: USD
    Account:
      type: object
      properties:
        id:
          type: integer
          format: int64
        customer_id:
          type: integer
          format: int64
        program_id:
          type: integer
          format: int64
        status:
          type: string
        currency:
          type: string
        created_at:
          type: string
          format: date-time
    UpdateAccountRequest:
      type: object
      properties:
        program_id:
          type: integer
          format: int64
        metadata:
          type: object
          additionalProperties: true
  parameters:
    AccountId:
      name: accountId
      in: path
      required: true
      schema:
        type: integer
        format: int64
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT
      description: 'OAuth2 client-credentials access token obtained from POST /passport/v2/oauth/token. Pass as `Authorization: Bearer <token>`. Account-scoped endpoints require an account-specific token encoded with a Pismo account ID.'
    oauth2:
      type: oauth2
      flows:
        clientCredentials:
          tokenUrl: https://api.pismo.io/passport/v2/oauth/token
          scopes: {}