openapi: 3.1.0
info:
  title: Tink Account Check Accounts Payments API
  description: 'Tink Account Check verifies that a bank account belongs to the person or business presenting it. After a customer authenticates via Tink Link the Account Check report exposes verified account ownership, identity, IBAN or sort-code/account number, account type, balance, and holder match status. The report can be retrieved as JSON for programmatic use or as a PDF for compliance archives.

    '
  version: '1.0'
  contact:
    name: Tink Developer Support
    url: https://docs.tink.com/resources/account-check
servers:
- url: https://api.tink.com
  description: Tink EU Production
- url: https://api.us.tink.com
  description: Tink US Production
security:
- BearerAuth: []
tags:
- name: Payments
  description: Payment initiation, status, cancel, and refund.
paths:
  /payments:
    post:
      summary: Tink Initiate A Payment
      description: 'Initiate a payment from the customer''s bank account to the beneficiary using PSD2 PIS rails. Returns a payment object and the Tink Link redirect URL the customer follows to authenticate and authorize at their bank.

        '
      operationId: initiatePayment
      tags:
      - Payments
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/PaymentRequest'
      responses:
        '201':
          description: Payment initiated.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Payment'
        '400':
          $ref: '#/components/responses/BadRequest'
  /payments/{paymentId}:
    get:
      summary: Tink Get A Payment
      description: Retrieve a payment by id, including current status (CREATED, AUTHORIZED, EXECUTED, REJECTED, CANCELLED, REFUNDED).
      operationId: getPayment
      tags:
      - Payments
      parameters:
      - $ref: '#/components/parameters/PaymentIdParam'
      responses:
        '200':
          description: Payment returned.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Payment'
        '404':
          $ref: '#/components/responses/NotFound'
  /payments/{paymentId}/cancel:
    post:
      summary: Tink Cancel A Payment
      description: Cancel a payment that has not yet been executed by the customer's bank.
      operationId: cancelPayment
      tags:
      - Payments
      parameters:
      - $ref: '#/components/parameters/PaymentIdParam'
      responses:
        '200':
          description: Payment cancelled.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Payment'
  /payments/{paymentId}/refunds:
    post:
      summary: Tink Refund A Payment
      description: Initiate a full or partial refund for an executed payment.
      operationId: refundPayment
      tags:
      - Payments
      parameters:
      - $ref: '#/components/parameters/PaymentIdParam'
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/RefundRequest'
      responses:
        '201':
          description: Refund created.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Refund'
  /payments/{paymentId}/refunds/{refundId}:
    get:
      summary: Tink Get A Refund
      description: Retrieve a refund by id, including current status.
      operationId: getRefund
      tags:
      - Payments
      parameters:
      - $ref: '#/components/parameters/PaymentIdParam'
      - in: path
        name: refundId
        required: true
        schema:
          type: string
      responses:
        '200':
          description: Refund returned.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Refund'
components:
  schemas:
    Account:
      type: object
      properties:
        accountNumber:
          type: object
          properties:
            type:
              type: string
              enum:
              - IBAN
              - SORT_CODE
              - BBAN
              - ACCOUNT_NUMBER
            value:
              type: string
        name:
          type: string
        country:
          type: string
    RefundRequest:
      type: object
      properties:
        amount:
          type: string
        currency:
          type: string
        remittanceInformation:
          type: object
          properties:
            type:
              type: string
            value:
              type: string
    PaymentRequest:
      type: object
      required:
      - amount
      - currency
      - market
      - destinations
      properties:
        amount:
          type: string
          example: '100.00'
        currency:
          type: string
          example: EUR
        market:
          type: string
          example: GB
        remittanceInformation:
          type: object
          properties:
            type:
              type: string
              enum:
              - UNSTRUCTURED
              - REFERENCE
            value:
              type: string
        destinations:
          type: array
          items:
            $ref: '#/components/schemas/Account'
        sourceAccount:
          $ref: '#/components/schemas/Account'
    Payment:
      type: object
      properties:
        id:
          type: string
        status:
          type: string
          enum:
          - CREATED
          - AUTHORIZED
          - EXECUTED
          - REJECTED
          - CANCELLED
          - REFUNDED
          - FAILED
        amount:
          type: string
        currency:
          type: string
        market:
          type: string
        created:
          type: string
          format: date-time
        updated:
          type: string
          format: date-time
        redirectUrl:
          type: string
          format: uri
        destinations:
          type: array
          items:
            $ref: '#/components/schemas/Account'
        sourceAccount:
          $ref: '#/components/schemas/Account'
        remittanceInformation:
          type: object
          properties:
            type:
              type: string
            value:
              type: string
    Error:
      type: object
      properties:
        errorMessage:
          type: string
        errorCode:
          type: string
    Refund:
      type: object
      properties:
        id:
          type: string
        paymentId:
          type: string
        amount:
          type: string
        currency:
          type: string
        status:
          type: string
          enum:
          - CREATED
          - EXECUTED
          - REJECTED
          - FAILED
        created:
          type: string
          format: date-time
  responses:
    BadRequest:
      description: Invalid request.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    NotFound:
      description: Not found.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
  parameters:
    PaymentIdParam:
      in: path
      name: paymentId
      required: true
      schema:
        type: string
  securitySchemes:
    BearerAuth:
      type: http
      scheme: bearer