generated: '2026-07-21'
method: derived
source: openapi/scratchpay-scratchpay-1.0.0-apis-swagger.yml, openapi/scratchpay-partner-1.0.0-apis-swagger.yml, openapi/scratchpay-scratchpay-care-credit-1.0.0-apis-swagger.yml
standards:
  - id: openapi-3.0
    conforms: true
    evidence: specs declare openapi 3.0.0
  - id: http-bearer-auth
    conforms: true
    evidence: Authorization Bearer token required on every operation
  - id: oauth2
    conforms: false
  - id: oidc
    conforms: false
  - id: rfc9457-problem-details
    conforms: false
    evidence: validation errors returned as custom field-keyed message arrays, not application/problem+json
  - id: json-api
    conforms: false
  - id: webhooks
    conforms: true
    evidence: partner callback POST /application/{loanUniqueId}/result delivers async results
  - id: pagination
    conforms: false
    evidence: no collection endpoints