{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://api-evangelist.com/schemas/token-io/token-io-payment-schema.json",
  "title": "Token.io Payment",
  "description": "Schema for a Token.io Payments v2 single immediate or future-dated payment initiation request and the resulting payment resource returned by POST /payments and GET /payments/{paymentId}.",
  "type": "object",
  "definitions": {
    "PaymentInitiationRequest": {
      "type": "object",
      "description": "Request body for initiating a Token.io payment via Payments v2.",
      "required": ["amount", "currency", "creditor"],
      "properties": {
        "amount": {
          "type": "string",
          "description": "Payment amount as a decimal string (e.g. '100.00')."
        },
        "currency": {
          "type": "string",
          "description": "ISO 4217 three-letter currency code (e.g. GBP, EUR).",
          "pattern": "^[A-Z]{3}$"
        },
        "remittanceInformation": {
          "type": "string",
          "description": "Free-text payment reference shown to the payer / payee."
        },
        "endToEndId": {
          "type": "string",
          "description": "Unique end-to-end identifier propagated through the payment rail."
        },
        "creditor": {
          "$ref": "#/definitions/Party"
        },
        "debtor": {
          "$ref": "#/definitions/Party"
        },
        "executionDate": {
          "type": "string",
          "format": "date",
          "description": "Future-dated payment execution date (omit for immediate)."
        },
        "paymentRail": {
          "type": "string",
          "description": "Preferred payment rail.",
          "enum": ["FASTER_PAYMENTS", "SEPA", "SEPA_INSTANT", "CHAPS", "BACS"]
        }
      }
    },
    "Payment": {
      "type": "object",
      "description": "Token.io payment resource.",
      "required": ["paymentId", "status", "amount", "currency"],
      "properties": {
        "paymentId": {
          "type": "string",
          "description": "Token.io-assigned payment identifier."
        },
        "status": {
          "type": "string",
          "description": "Payment lifecycle status.",
          "enum": [
            "INITIATION_PENDING",
            "INITIATION_PROCESSING",
            "INITIATION_COMPLETED",
            "INITIATION_REJECTED",
            "SETTLEMENT_PROCESSING",
            "SETTLEMENT_COMPLETED",
            "SETTLEMENT_INCOMPLETE",
            "FAILED"
          ]
        },
        "amount": {"type": "string"},
        "currency": {"type": "string", "pattern": "^[A-Z]{3}$"},
        "createdAtMs": {"type": "string", "description": "Creation timestamp in milliseconds since epoch."},
        "executedAtMs": {"type": "string", "description": "Execution timestamp in milliseconds since epoch."},
        "endToEndId": {"type": "string"},
        "creditor": {"$ref": "#/definitions/Party"},
        "debtor": {"$ref": "#/definitions/Party"},
        "bankId": {"type": "string", "description": "Bank identifier from the Banks v2 catalog."}
      }
    },
    "Party": {
      "type": "object",
      "description": "Creditor or debtor party with account details.",
      "required": ["name"],
      "properties": {
        "name": {"type": "string"},
        "accountIdentifier": {
          "type": "object",
          "description": "Account identifier — IBAN, sort-code+account-number, or BBAN.",
          "properties": {
            "iban": {"type": "string"},
            "bban": {"type": "string"},
            "sortCodeAccountNumber": {
              "type": "object",
              "properties": {
                "sortCode": {"type": "string"},
                "accountNumber": {"type": "string"}
              }
            }
          }
        },
        "address": {
          "type": "object",
          "properties": {
            "addressLine": {"type": "array", "items": {"type": "string"}},
            "country": {"type": "string", "pattern": "^[A-Z]{2}$"},
            "postCode": {"type": "string"},
            "city": {"type": "string"}
          }
        }
      }
    }
  },
  "oneOf": [
    {"$ref": "#/definitions/PaymentInitiationRequest"},
    {"$ref": "#/definitions/Payment"}
  ]
}