openapi: 3.1.0
info:
  title: Temenos Buy Now Pay Later Accounts Payment Orders API
  description: APIs for buy now pay later services with embedded Explainable AI for automated decisioning and credit offer matching. Supports interest-free and interest-bearing BNPL products with point-of-sale integration and full loan lifecycle management. Core banking agnostic and deployable on Temenos Banking Cloud.
  version: 1.0.0
  contact:
    name: Temenos Developer Support
    url: https://developer.temenos.com/
    email: api.support@temenos.com
  license:
    name: Temenos Terms of Service
    url: https://www.temenos.com/legal-information/website-terms-and-conditions/
  termsOfService: https://www.temenos.com/legal-information/website-terms-and-conditions/
servers:
- url: https://api.temenos.com/bnpl/v1
  description: Temenos BNPL API - Production
security:
- bearerAuth: []
tags:
- name: Payment Orders
  description: Initiate, view, and manage payment orders for domestic and international fund transfers with support for SEPA, SWIFT, and internal transfers.
paths:
  /paymentOrders:
    get:
      operationId: listPaymentOrders
      summary: List Payment Orders
      description: Retrieve a list of payment orders with optional filtering by status, date range, payment type, and originating account. Returns payment details including amounts, beneficiary information, and processing status.
      tags:
      - Payment Orders
      parameters:
      - $ref: '#/components/parameters/pageSize'
      - $ref: '#/components/parameters/pageStart'
      - name: accountId
        in: query
        description: Filter by originating account identifier
        schema:
          type: string
      - name: status
        in: query
        description: Filter by payment order status
        schema:
          type: string
          enum:
          - PENDING
          - PROCESSING
          - COMPLETED
          - FAILED
          - CANCELLED
      - name: paymentType
        in: query
        description: Filter by payment type
        schema:
          type: string
          enum:
          - SEPA_CREDIT
          - INSTANT_SEPA
          - SWIFT
          - DOMESTIC
          - INTERNAL
      - name: dateFrom
        in: query
        description: Filter payments from this date
        schema:
          type: string
          format: date
      - name: dateTo
        in: query
        description: Filter payments up to this date
        schema:
          type: string
          format: date
      responses:
        '200':
          description: Successful retrieval of payment orders
          content:
            application/json:
              schema:
                type: object
                properties:
                  header:
                    $ref: '#/components/schemas/PaginationHeader'
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/PaymentOrder'
        '401':
          $ref: '#/components/responses/Unauthorized'
    post:
      operationId: createPaymentOrder
      summary: Create Payment Order
      description: Initiate a new payment order for fund transfer. Supports SEPA credit transfers, instant SEPA payments, SWIFT cross-border transfers, domestic payments, and internal account-to-account transfers. Validates payment details, beneficiary information, and available balance before processing.
      tags:
      - Payment Orders
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/PaymentOrderCreate'
      responses:
        '201':
          description: Payment order created successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PaymentOrder'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /paymentOrders/{paymentOrderId}:
    get:
      operationId: getPaymentOrder
      summary: Get Payment Order Details
      description: Retrieve detailed information for a specific payment order including processing status, clearing details, and beneficiary information.
      tags:
      - Payment Orders
      parameters:
      - $ref: '#/components/parameters/paymentOrderId'
      responses:
        '200':
          description: Successful retrieval of payment order details
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PaymentOrder'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
  /paymentOrders/{paymentOrderId}/status:
    get:
      operationId: getPaymentOrderStatus
      summary: Get Payment Order Status
      description: Retrieve the current processing status of a payment order including clearing status, booking confirmation, and any error details.
      tags:
      - Payment Orders
      parameters:
      - $ref: '#/components/parameters/paymentOrderId'
      responses:
        '200':
          description: Successful retrieval of payment status
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PaymentStatus'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
components:
  schemas:
    PaymentStatus:
      type: object
      description: Payment order processing status
      properties:
        paymentOrderId:
          type: string
          description: Payment order identifier
        status:
          type: string
          description: Current processing status
          enum:
          - PENDING
          - PROCESSING
          - COMPLETED
          - FAILED
          - CANCELLED
        clearingStatus:
          type: string
          description: Clearing system status
        bookingStatus:
          type: string
          description: Account booking status
          enum:
          - BOOKED
          - PENDING
          - REJECTED
        statusReason:
          type: string
          description: Reason for current status
        lastUpdated:
          type: string
          format: date-time
          description: Timestamp of last status update
    PaginationHeader:
      type: object
      description: Pagination metadata for list responses
      properties:
        page_size:
          type: integer
          description: Number of records per page
        page_start:
          type: integer
          description: Starting record number
        total_size:
          type: integer
          description: Total number of records available
    PaymentOrder:
      type: object
      description: Payment order for fund transfer
      properties:
        paymentOrderId:
          type: string
          description: Unique payment order identifier
        debitAccountId:
          type: string
          description: Originating account identifier
        creditAccountId:
          type: string
          description: Destination account identifier
        amount:
          type: number
          format: double
          description: Payment amount
        currency:
          type: string
          description: Payment currency in ISO 4217 format
          pattern: ^[A-Z]{3}$
        paymentType:
          type: string
          description: Type of payment
          enum:
          - SEPA_CREDIT
          - INSTANT_SEPA
          - SWIFT
          - DOMESTIC
          - INTERNAL
          - TARGET2
          - CROSS_BORDER
        status:
          type: string
          description: Current payment order status
          enum:
          - PENDING
          - PROCESSING
          - COMPLETED
          - FAILED
          - CANCELLED
        valueDate:
          type: string
          format: date
          description: Value date for the payment
        executionDate:
          type: string
          format: date
          description: Actual execution date
        reference:
          type: string
          description: Payment reference
          maxLength: 140
        endToEndId:
          type: string
          description: End-to-end identifier for ISO 20022 tracking
        beneficiaryName:
          type: string
          description: Beneficiary name
        beneficiaryIban:
          type: string
          description: Beneficiary IBAN
        beneficiaryBic:
          type: string
          description: Beneficiary bank BIC/SWIFT code
        remittanceInformation:
          type: string
          description: Remittance information for the payment
    PaymentOrderCreate:
      type: object
      description: Request body for creating a payment order
      required:
      - debitAccountId
      - amount
      - currency
      - paymentType
      properties:
        debitAccountId:
          type: string
          description: Originating account identifier
        creditAccountId:
          type: string
          description: Destination account identifier for internal transfers
        beneficiaryName:
          type: string
          description: Beneficiary name for external transfers
        beneficiaryIban:
          type: string
          description: Beneficiary IBAN
        beneficiaryBic:
          type: string
          description: Beneficiary bank BIC/SWIFT code
        amount:
          type: number
          format: double
          description: Payment amount
          minimum: 0.01
        currency:
          type: string
          description: Payment currency in ISO 4217 format
          pattern: ^[A-Z]{3}$
        paymentType:
          type: string
          description: Type of payment
          enum:
          - SEPA_CREDIT
          - INSTANT_SEPA
          - SWIFT
          - DOMESTIC
          - INTERNAL
          - TARGET2
          - CROSS_BORDER
        valueDate:
          type: string
          format: date
          description: Requested value date
        reference:
          type: string
          description: Payment reference
          maxLength: 140
        endToEndId:
          type: string
          description: End-to-end identifier
          maxLength: 35
        remittanceInformation:
          type: string
          description: Remittance information
          maxLength: 140
    Error:
      type: object
      description: Error response
      properties:
        errorCode:
          type: string
          description: Machine-readable error code
        errorMessage:
          type: string
          description: Human-readable error description
  responses:
    Unauthorized:
      description: Authentication required or invalid credentials
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    BadRequest:
      description: Invalid request parameters
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    NotFound:
      description: Requested resource not found
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
  parameters:
    pageStart:
      name: page_start
      in: query
      description: Starting record number for pagination
      schema:
        type: integer
        minimum: 0
        default: 0
    pageSize:
      name: page_size
      in: query
      description: Number of records to return per page
      schema:
        type: integer
        minimum: 1
        maximum: 100
        default: 25
    paymentOrderId:
      name: paymentOrderId
      in: path
      required: true
      description: Unique payment order identifier
      schema:
        type: string
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT
externalDocs:
  description: Temenos BNPL API Documentation
  url: https://developer.temenos.com/service/buy-now-pay-later