naftiko: 1.0.0-alpha2
info:
  label: Synchrony Financial Retail Credit
  description: Unified retail credit capability combining Synchrony's credit authorization and Quickscreen preapproval APIs.
    Enables merchants to offer instant credit decisions, process purchases on credit, handle payments, and manage refunds
    and reversals across web, mobile, and point-of-sale channels.
  tags:
  - Synchrony Financial
  - Retail Credit
  - Credit Authorization
  - Consumer Finance
  - Payments
  created: '2026-05-03'
  modified: '2026-05-06'
binds:
- namespace: env
  keys:
    SYNCHRONY_API_TOKEN: SYNCHRONY_API_TOKEN
capability:
  consumes:
  - type: http
    namespace: synchrony-credit-auth
    baseUri: https://api.syf.com
    description: Synchrony Financial Credit Authorization API for processing retail credit transactions.
    authentication:
      type: bearer
      token: '{{SYNCHRONY_API_TOKEN}}'
    resources:
    - name: purchases
      path: /v1/authorizations/purchases
      description: Purchase authorization transactions.
      operations:
      - name: create-purchase
        method: POST
        description: Initiates a purchase transaction against a Synchrony credit account.
        inputParameters:
        - name: merchantId
          in: body
          type: string
          required: true
          description: Merchant Synchrony identifier.
        - name: accountNumber
          in: body
          type: string
          required: true
          description: Customer credit account number or payment token.
        - name: amount
          in: body
          type: number
          required: true
          description: Transaction amount in dollars.
        - name: channel
          in: body
          type: string
          required: false
          description: 'Transaction channel: web, mobile, or pos.'
        - name: merchantOrderId
          in: body
          type: string
          required: false
          description: Merchant internal order reference.
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
        body:
          type: json
          data:
            merchantId: '{{tools.merchantId}}'
            accountNumber: '{{tools.accountNumber}}'
            amount: '{{tools.amount}}'
            channel: '{{tools.channel}}'
            merchantOrderId: '{{tools.merchantOrderId}}'
    - name: preauthorizations
      path: /v1/authorizations/preauthorizations
      description: Preauthorization hold operations.
      operations:
      - name: create-preauthorization
        method: POST
        description: Places an authorization hold on a customer's credit account.
        inputParameters:
        - name: merchantId
          in: body
          type: string
          required: true
          description: Merchant identifier.
        - name: accountNumber
          in: body
          type: string
          required: true
          description: Credit account number or payment token.
        - name: amount
          in: body
          type: number
          required: true
          description: Hold amount in dollars.
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
        body:
          type: json
          data:
            merchantId: '{{tools.merchantId}}'
            accountNumber: '{{tools.accountNumber}}'
            amount: '{{tools.amount}}'
    - name: completions
      path: /v1/authorizations/completions
      description: Complete prior preauthorizations.
      operations:
      - name: create-completion
        method: POST
        description: Completes a prior preauthorization by capturing the final transaction amount.
        inputParameters:
        - name: merchantId
          in: body
          type: string
          required: true
        - name: authorizationCode
          in: body
          type: string
          required: true
          description: Original preauthorization code.
        - name: amount
          in: body
          type: number
          required: true
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
        body:
          type: json
          data:
            merchantId: '{{tools.merchantId}}'
            authorizationCode: '{{tools.authorizationCode}}'
            amount: '{{tools.amount}}'
    - name: payments
      path: /v1/authorizations/payments
      description: Account payment operations.
      operations:
      - name: create-payment
        method: POST
        description: Processes a payment to a customer's Synchrony credit account.
        inputParameters:
        - name: merchantId
          in: body
          type: string
          required: true
        - name: accountNumber
          in: body
          type: string
          required: true
        - name: amount
          in: body
          type: number
          required: true
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
        body:
          type: json
          data:
            merchantId: '{{tools.merchantId}}'
            accountNumber: '{{tools.accountNumber}}'
            amount: '{{tools.amount}}'
    - name: refunds
      path: /v1/authorizations/refunds
      description: Refund credit operations.
      operations:
      - name: create-refund
        method: POST
        description: Processes a refund to a customer's Synchrony credit account.
        inputParameters:
        - name: merchantId
          in: body
          type: string
          required: true
        - name: originalTransactionId
          in: body
          type: string
          required: true
        - name: amount
          in: body
          type: number
          required: true
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
        body:
          type: json
          data:
            merchantId: '{{tools.merchantId}}'
            originalTransactionId: '{{tools.originalTransactionId}}'
            amount: '{{tools.amount}}'
    - name: reversals
      path: /v1/authorizations/reversals
      description: Transaction reversal operations.
      operations:
      - name: create-reversal
        method: POST
        description: Voids or reverses a prior transaction.
        inputParameters:
        - name: merchantId
          in: body
          type: string
          required: true
        - name: originalTransactionId
          in: body
          type: string
          required: true
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
        body:
          type: json
          data:
            merchantId: '{{tools.merchantId}}'
            originalTransactionId: '{{tools.originalTransactionId}}'
  - type: http
    namespace: synchrony-quickscreen
    baseUri: https://api.syf.com
    description: Synchrony Financial Quickscreen preapproval and credit application API.
    authentication:
      type: bearer
      token: '{{SYNCHRONY_API_TOKEN}}'
    resources:
    - name: preapprovals
      path: /v1/credit/preapproval
      description: Soft-pull preapproval operations.
      operations:
      - name: submit-preapproval
        method: POST
        description: Submits a soft-pull preapproval check using customer name and address.
        inputParameters:
        - name: merchantId
          in: body
          type: string
          required: true
        - name: firstName
          in: body
          type: string
          required: true
        - name: lastName
          in: body
          type: string
          required: true
        - name: zipCode
          in: body
          type: string
          required: true
        - name: channel
          in: body
          type: string
          required: false
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
        body:
          type: json
          data:
            merchantId: '{{tools.merchantId}}'
            firstName: '{{tools.firstName}}'
            lastName: '{{tools.lastName}}'
            address:
              zipCode: '{{tools.zipCode}}'
    - name: applications
      path: /v1/credit/applications
      description: Full credit card application submissions.
      operations:
      - name: submit-application
        method: POST
        description: Submits a full credit card application for instant decision.
        inputParameters:
        - name: merchantId
          in: body
          type: string
          required: true
        - name: offerId
          in: body
          type: string
          required: false
          description: Pre-filled offer ID from Quickscreen if available.
        - name: firstName
          in: body
          type: string
          required: true
        - name: lastName
          in: body
          type: string
          required: true
        - name: channel
          in: body
          type: string
          required: false
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
        body:
          type: json
          data:
            merchantId: '{{tools.merchantId}}'
            offerId: '{{tools.offerId}}'
            firstName: '{{tools.firstName}}'
            lastName: '{{tools.lastName}}'
    - name: decisions
      path: /v1/credit/applications/{applicationId}
      description: Application decision retrieval.
      operations:
      - name: get-application-decision
        method: GET
        description: Retrieves the decision for a submitted credit application.
        inputParameters:
        - name: applicationId
          in: path
          type: string
          required: true
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
  exposes:
  - type: rest
    port: 8080
    namespace: synchrony-retail-credit-api
    description: Unified REST API for Synchrony retail credit operations.
    resources:
    - path: /v1/preapprovals
      name: preapprovals
      description: Soft-pull credit preapproval checks.
      operations:
      - method: POST
        name: submit-preapproval
        description: Run a Quickscreen preapproval to offer instant credit to a customer.
        call: synchrony-quickscreen.submit-preapproval
        with:
          merchantId: rest.merchantId
          firstName: rest.firstName
          lastName: rest.lastName
          zipCode: rest.zipCode
        outputParameters:
        - type: object
          mapping: $.
    - path: /v1/applications
      name: applications
      description: Full credit card application submissions.
      operations:
      - method: POST
        name: submit-application
        description: Submit a full credit card application for instant decision.
        call: synchrony-quickscreen.submit-application
        with:
          merchantId: rest.merchantId
          offerId: rest.offerId
          firstName: rest.firstName
          lastName: rest.lastName
        outputParameters:
        - type: object
          mapping: $.
    - path: /v1/applications/{applicationId}
      name: application-decision
      description: Credit application decisions.
      operations:
      - method: GET
        name: get-application-decision
        description: Retrieve the decision for a submitted credit application.
        call: synchrony-quickscreen.get-application-decision
        with:
          applicationId: rest.applicationId
        outputParameters:
        - type: object
          mapping: $.
    - path: /v1/purchases
      name: purchases
      description: Credit purchase authorizations.
      operations:
      - method: POST
        name: create-purchase
        description: Authorize a purchase transaction on a Synchrony credit account.
        call: synchrony-credit-auth.create-purchase
        with:
          merchantId: rest.merchantId
          accountNumber: rest.accountNumber
          amount: rest.amount
          channel: rest.channel
          merchantOrderId: rest.merchantOrderId
        outputParameters:
        - type: object
          mapping: $.
    - path: /v1/preauthorizations
      name: preauthorizations
      description: Credit hold preauthorizations.
      operations:
      - method: POST
        name: create-preauthorization
        description: Place an authorization hold on a Synchrony credit account.
        call: synchrony-credit-auth.create-preauthorization
        with:
          merchantId: rest.merchantId
          accountNumber: rest.accountNumber
          amount: rest.amount
        outputParameters:
        - type: object
          mapping: $.
    - path: /v1/payments
      name: payments
      description: Credit account payments.
      operations:
      - method: POST
        name: create-payment
        description: Process a payment to a customer's Synchrony credit account.
        call: synchrony-credit-auth.create-payment
        with:
          merchantId: rest.merchantId
          accountNumber: rest.accountNumber
          amount: rest.amount
        outputParameters:
        - type: object
          mapping: $.
    - path: /v1/refunds
      name: refunds
      description: Credit transaction refunds.
      operations:
      - method: POST
        name: create-refund
        description: Process a refund to a customer's Synchrony credit account.
        call: synchrony-credit-auth.create-refund
        with:
          merchantId: rest.merchantId
          originalTransactionId: rest.originalTransactionId
          amount: rest.amount
        outputParameters:
        - type: object
          mapping: $.
    - path: /v1/reversals
      name: reversals
      description: Transaction reversals and voids.
      operations:
      - method: POST
        name: create-reversal
        description: Reverse or void a prior Synchrony credit transaction.
        call: synchrony-credit-auth.create-reversal
        with:
          merchantId: rest.merchantId
          originalTransactionId: rest.originalTransactionId
        outputParameters:
        - type: object
          mapping: $.
  - type: mcp
    port: 9090
    namespace: synchrony-retail-credit-mcp
    transport: http
    description: MCP server for AI-assisted retail credit management using Synchrony Financial APIs.
    tools:
    - name: submit-credit-preapproval
      description: Run a soft-pull Quickscreen preapproval to instantly offer credit to a customer by name and address.
      hints:
        readOnly: false
        destructive: false
        idempotent: false
      call: synchrony-quickscreen.submit-preapproval
      with:
        merchantId: tools.merchantId
        firstName: tools.firstName
        lastName: tools.lastName
        zipCode: tools.zipCode
      outputParameters:
      - type: object
        mapping: $.
    - name: submit-credit-application
      description: Submit a full Synchrony credit card application for an instant credit decision.
      hints:
        readOnly: false
        destructive: false
        idempotent: false
      call: synchrony-quickscreen.submit-application
      with:
        merchantId: tools.merchantId
        offerId: tools.offerId
        firstName: tools.firstName
        lastName: tools.lastName
      outputParameters:
      - type: object
        mapping: $.
    - name: get-application-decision
      description: Retrieve the credit decision for a previously submitted application.
      hints:
        readOnly: true
        destructive: false
        idempotent: true
      call: synchrony-quickscreen.get-application-decision
      with:
        applicationId: tools.applicationId
      outputParameters:
      - type: object
        mapping: $.
    - name: authorize-purchase
      description: Authorize a retail credit purchase transaction on a Synchrony account.
      hints:
        readOnly: false
        destructive: false
        idempotent: false
      call: synchrony-credit-auth.create-purchase
      with:
        merchantId: tools.merchantId
        accountNumber: tools.accountNumber
        amount: tools.amount
        channel: tools.channel
        merchantOrderId: tools.merchantOrderId
      outputParameters:
      - type: object
        mapping: $.
    - name: create-preauthorization
      description: Place an authorization hold on a Synchrony credit account for future capture.
      hints:
        readOnly: false
        destructive: false
        idempotent: false
      call: synchrony-credit-auth.create-preauthorization
      with:
        merchantId: tools.merchantId
        accountNumber: tools.accountNumber
        amount: tools.amount
      outputParameters:
      - type: object
        mapping: $.
    - name: process-payment
      description: Process a payment to reduce a customer's Synchrony credit balance.
      hints:
        readOnly: false
        destructive: false
        idempotent: false
      call: synchrony-credit-auth.create-payment
      with:
        merchantId: tools.merchantId
        accountNumber: tools.accountNumber
        amount: tools.amount
      outputParameters:
      - type: object
        mapping: $.
    - name: process-refund
      description: Refund a prior Synchrony credit transaction to the customer's account.
      hints:
        readOnly: false
        destructive: false
        idempotent: false
      call: synchrony-credit-auth.create-refund
      with:
        merchantId: tools.merchantId
        originalTransactionId: tools.originalTransactionId
        amount: tools.amount
      outputParameters:
      - type: object
        mapping: $.
    - name: reverse-transaction
      description: Void or reverse a prior Synchrony credit transaction before settlement.
      hints:
        readOnly: false
        destructive: true
        idempotent: true
      call: synchrony-credit-auth.create-reversal
      with:
        merchantId: tools.merchantId
        originalTransactionId: tools.originalTransactionId
      outputParameters:
      - type: object
        mapping: $.