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
authentication:
  style: bearer-token
  header: Authorization
  format: 'Bearer <integration-token>'
  ref: authentication/scratchpay-authentication.yml
idempotency:
  supported: false
  note: >
    No documented Idempotency-Key contract. Partners MAY supply a loanUniqueId on
    POST /application as a correlation identifier so Scratchpay can reference the
    application on the result callback, but the docs do not describe it as an
    idempotency key or guarantee replay-safety, so no Idempotency pointer is emitted.
pagination:
  supported: false
  note: The published surface has no list/collection endpoints.
versioning:
  scheme: none-documented
  spec_version: 1.0.0
error_envelope:
  content_type: application/json
  format: field-keyed message arrays (HTTP 422)
  ref: errors/scratchpay-problem-types.yml
callbacks:
  supported: true
  note: >
    Asynchronous loan decision is delivered by Scratchpay POSTing to the partner's
    own endpoint (Partner-API POST /application/{loanUniqueId}/result).
  ref: asyncapi/scratchpay-partner-webhooks.yml
rate_limiting:
  signaled: unknown
  note: No rate-limit headers or policy documented in the published specs.