openapi: 3.1.0
info:
  title: Temenos Buy Now Pay Later Accounts Payment Stops 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 Stops
  description: Create and manage stop instructions for individual payments based on cheque details, transaction amounts, or payment references.
paths:
  /paymentStops:
    get:
      operationId: listPaymentStops
      summary: List Payment Stop Requests
      description: Retrieve active payment stop instructions including stops based on cheque details, transaction amounts, or payment references.
      tags:
      - Payment Stops
      parameters:
      - $ref: '#/components/parameters/pageSize'
      - $ref: '#/components/parameters/pageStart'
      - name: accountId
        in: query
        description: Filter by account identifier
        schema:
          type: string
      responses:
        '200':
          description: Successful retrieval of payment stops
          content:
            application/json:
              schema:
                type: object
                properties:
                  header:
                    $ref: '#/components/schemas/PaginationHeader'
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/PaymentStop'
        '401':
          $ref: '#/components/responses/Unauthorized'
    post:
      operationId: createPaymentStop
      summary: Create Payment Stop Request
      description: Create a stop instruction for individual payments based on cheque number, transaction amount range, or payment reference to prevent processing.
      tags:
      - Payment Stops
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/PaymentStopCreate'
      responses:
        '201':
          description: Payment stop created successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PaymentStop'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
components:
  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'
  schemas:
    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
    PaymentStop:
      type: object
      description: Payment stop instruction
      properties:
        paymentStopId:
          type: string
          description: Unique payment stop identifier
        accountId:
          type: string
          description: Account for the stop instruction
        stopType:
          type: string
          description: Type of payment stop
          enum:
          - CHEQUE
          - AMOUNT_RANGE
          - REFERENCE
        chequeNumber:
          type: string
          description: Cheque number for cheque-based stops
        amountFrom:
          type: number
          format: double
          description: Minimum amount for range-based stops
        amountTo:
          type: number
          format: double
          description: Maximum amount for range-based stops
        reference:
          type: string
          description: Payment reference for reference-based stops
        status:
          type: string
          description: Stop instruction status
          enum:
          - ACTIVE
          - EXPIRED
          - CANCELLED
    Error:
      type: object
      description: Error response
      properties:
        errorCode:
          type: string
          description: Machine-readable error code
        errorMessage:
          type: string
          description: Human-readable error description
    PaymentStopCreate:
      type: object
      description: Request body for creating a payment stop
      required:
      - accountId
      - stopType
      properties:
        accountId:
          type: string
          description: Account identifier
        stopType:
          type: string
          description: Type of payment stop
          enum:
          - CHEQUE
          - AMOUNT_RANGE
          - REFERENCE
        chequeNumber:
          type: string
          description: Cheque number to stop
        chequeNumberTo:
          type: string
          description: End of cheque number range
        amountFrom:
          type: number
          format: double
          description: Minimum amount threshold
        amountTo:
          type: number
          format: double
          description: Maximum amount threshold
        reference:
          type: string
          description: Payment reference to stop
  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
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT
externalDocs:
  description: Temenos BNPL API Documentation
  url: https://developer.temenos.com/service/buy-now-pay-later