{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://raw.githubusercontent.com/api-evangelist/western-union/main/json-schema/western-union-payment-schema.json",
  "title": "Western Union Payment",
  "description": "Represents an international payment in a Western Union batch.",
  "type": "object",
  "properties": {
    "id": {
      "type": "string",
      "description": "Western Union payment identifier."
    },
    "customerId": {
      "type": "string",
      "description": "Partner client ID."
    },
    "status": {
      "type": "string",
      "description": "Current payment status.",
      "enum": ["received", "accepted", "rejected", "processed", "returned", "pending"]
    },
    "partnerReference": {
      "type": "string",
      "description": "Partner's internal reference for reconciliation."
    },
    "paymentReference": {
      "type": "string",
      "description": "Western Union payment reference number."
    },
    "createdOn": {
      "type": "string",
      "format": "date-time"
    },
    "lastUpdatedOn": {
      "type": "string",
      "format": "date-time"
    },
    "paymentMethod": {
      "type": "string",
      "enum": ["bankTransfer", "wireTransfer", "swift"]
    },
    "amount": {
      "type": "integer",
      "description": "Payment amount in minor units (e.g., cents)."
    },
    "currencyCode": {
      "type": "string",
      "description": "ISO 4217 payment currency code."
    },
    "settlementAmount": {
      "type": "integer",
      "description": "Settlement amount in minor units."
    },
    "settlementCurrencyCode": {
      "type": "string",
      "description": "ISO 4217 settlement currency code."
    },
    "purposeOfPayment": {
      "type": "string",
      "description": "Payment purpose code (e.g., SALARY, INVOICE, PERSONAL)."
    },
    "beneficiary": {
      "$ref": "#/$defs/Beneficiary"
    },
    "bankAccount": {
      "$ref": "#/$defs/BankAccount"
    },
    "errorCode": {
      "type": "string",
      "description": "Error code if payment was rejected."
    }
  },
  "required": ["id", "status", "amount", "currencyCode"],
  "$defs": {
    "Address": {
      "type": "object",
      "properties": {
        "line1": {"type": "string"},
        "line2": {"type": "string"},
        "line3": {"type": "string"},
        "city": {"type": "string"},
        "stateOrProv": {"type": "string"},
        "zipOrPostal": {"type": "string"},
        "countryCode": {"type": "string", "description": "ISO 3166-1 alpha-2 country code."}
      },
      "required": ["line1", "city", "countryCode"]
    },
    "Beneficiary": {
      "type": "object",
      "properties": {
        "id": {"type": "string"},
        "type": {"type": "string", "enum": ["individual", "business"]},
        "firstName": {"type": "string"},
        "middleName": {"type": "string"},
        "lastName": {"type": "string"},
        "email": {"type": "string", "format": "email"},
        "phoneNumber": {"type": "string"},
        "dateOfBirth": {"type": "string", "format": "date"},
        "businessName": {"type": "string"},
        "taxId": {"type": "string"},
        "address": {"$ref": "#/$defs/Address"}
      },
      "required": ["type"]
    },
    "BankAccount": {
      "type": "object",
      "properties": {
        "id": {"type": "string"},
        "accountNumber": {"type": "string"},
        "accountType": {"type": "string", "enum": ["checking", "savings", "current"]},
        "bankName": {"type": "string"},
        "bankCode": {"type": "string", "description": "SWIFT/BIC code."},
        "bankBranchCode": {"type": "string"},
        "bankBranchName": {"type": "string"},
        "address": {"$ref": "#/$defs/Address"}
      },
      "required": ["accountNumber", "bankCode"]
    }
  }
}