{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://api.truelayer.com/schemas/payment",
  "title": "Payment",
  "description": "A TrueLayer open banking payment",
  "type": "object",
  "required": ["id", "amount_in_minor", "currency", "status"],
  "properties": {
    "id": {
      "type": "string",
      "format": "uuid",
      "description": "Unique payment identifier"
    },
    "amount_in_minor": {
      "type": "integer",
      "minimum": 1,
      "description": "Payment amount in minor currency units (e.g., pence for GBP)"
    },
    "currency": {
      "type": "string",
      "enum": ["GBP", "EUR"],
      "description": "ISO 4217 currency code"
    },
    "status": {
      "type": "string",
      "enum": [
        "authorization_required",
        "authorizing",
        "authorized",
        "executed",
        "settled",
        "failed",
        "pending"
      ],
      "description": "Current payment lifecycle status"
    },
    "payment_method": {
      "type": "object",
      "description": "Payment method configuration",
      "properties": {
        "type": {
          "type": "string",
          "enum": ["bank_transfer", "mandate"]
        },
        "beneficiary": {
          "type": "object",
          "properties": {
            "type": {
              "type": "string",
              "enum": ["merchant_account", "external_account"]
            },
            "merchant_account_id": {
              "type": "string",
              "format": "uuid"
            },
            "account_holder_name": {
              "type": "string"
            }
          }
        }
      }
    },
    "user": {
      "type": "object",
      "properties": {
        "id": { "type": "string", "format": "uuid" },
        "name": { "type": "string" },
        "email": { "type": "string", "format": "email" },
        "phone": { "type": "string" }
      }
    },
    "metadata": {
      "type": "object",
      "description": "Up to 10 custom key-value pairs",
      "maxProperties": 10,
      "additionalProperties": {
        "type": "string"
      }
    },
    "created_at": {
      "type": "string",
      "format": "date-time"
    },
    "executed_at": {
      "type": "string",
      "format": "date-time"
    },
    "settled_at": {
      "type": "string",
      "format": "date-time"
    },
    "failure_reason": {
      "type": "string",
      "description": "Reason for payment failure"
    }
  },
  "additionalProperties": false
}