{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://raw.githubusercontent.com/api-evangelist/wells-fargo/main/json-schema/wells-fargo-ach-payment-schema.json",
  "title": "Wells Fargo ACH Payment",
  "description": "Schema for a Wells Fargo ACH payment initiated through the ACH Payments API. Supports CCD, CTX, PPD, and WEB NACHA transaction codes for corporate and consumer ACH transactions.",
  "type": "object",
  "properties": {
    "paymentId": {
      "type": "string",
      "description": "Unique ACH payment identifier."
    },
    "status": {
      "type": "string",
      "enum": ["PENDING", "SUBMITTED", "SETTLED", "RETURNED", "REJECTED", "CANCELLED"],
      "description": "Current payment lifecycle status."
    },
    "debitAccountId": {
      "type": "string",
      "description": "Wells Fargo account ID being debited."
    },
    "amount": {
      "type": "number",
      "format": "double",
      "description": "Payment amount."
    },
    "currency": {
      "type": "string",
      "description": "ISO 4217 currency code.",
      "example": "USD"
    },
    "creditAccountNumber": {
      "type": "string",
      "description": "Receiver's bank account number."
    },
    "creditRoutingNumber": {
      "type": "string",
      "description": "Receiver's bank routing/transit number (9 digits).",
      "pattern": "^[0-9]{9}$"
    },
    "creditAccountType": {
      "type": "string",
      "enum": ["CHECKING", "SAVINGS"],
      "description": "Receiver's account type."
    },
    "transactionCode": {
      "type": "string",
      "enum": ["CCD", "CTX", "PPD", "WEB"],
      "description": "NACHA transaction code. CCD for corporate credits/debits, PPD for consumer."
    },
    "receiverName": {
      "type": "string",
      "description": "Name of the payment receiver."
    },
    "addendaInformation": {
      "type": "string",
      "maxLength": 80,
      "description": "Optional payment addenda information (max 80 characters)."
    },
    "sameDayAch": {
      "type": "boolean",
      "description": "Whether same-day ACH processing was requested.",
      "default": false
    },
    "effectiveDate": {
      "type": "string",
      "format": "date",
      "description": "Requested ACH settlement date."
    },
    "settlementDate": {
      "type": "string",
      "format": "date",
      "description": "Actual settlement date."
    },
    "createdAt": {
      "type": "string",
      "format": "date-time",
      "description": "Timestamp when the payment was created."
    },
    "traceNumber": {
      "type": "string",
      "description": "NACHA trace number assigned at submission."
    }
  },
  "required": ["paymentId", "status", "debitAccountId", "amount", "currency", "creditAccountNumber", "creditRoutingNumber", "transactionCode"]
}