{
  "$schema": "http://json-schema.org/draft-07/schema#",
  "$id": "https://tratta.io/schemas/payment-plan",
  "title": "Tratta Payment Plan",
  "description": "A structured payment plan for a debt account in the Tratta platform",
  "type": "object",
  "required": ["id", "debt_account_id", "total_amount", "installment_amount", "frequency", "status"],
  "properties": {
    "id": {
      "type": "string",
      "description": "Unique payment plan identifier"
    },
    "debt_account_id": {
      "type": "string",
      "description": "ID of the associated debt account"
    },
    "total_amount": {
      "type": "number",
      "minimum": 0,
      "description": "Total amount to be paid under the plan"
    },
    "installment_amount": {
      "type": "number",
      "minimum": 0,
      "description": "Amount of each installment payment"
    },
    "frequency": {
      "type": "string",
      "enum": ["weekly", "biweekly", "monthly"],
      "description": "Payment frequency"
    },
    "status": {
      "type": "string",
      "enum": ["active", "paused", "completed", "cancelled"],
      "description": "Current status of the payment plan"
    },
    "payment_source": {
      "type": "string",
      "description": "How the payment was initiated (api, portal, ivr, agent)"
    },
    "start_date": {
      "type": "string",
      "format": "date",
      "description": "Payment plan start date"
    },
    "next_payment_date": {
      "type": ["string", "null"],
      "format": "date",
      "description": "Date of the next scheduled payment"
    },
    "created_at": {
      "type": "string",
      "format": "date-time",
      "description": "When the payment plan was created"
    }
  }
}