Fintecture Payment Initiation Services API

openapi: 3.1.0
info:
  title: Fintecture Payment Initiation Services API
  description: >
    PSD2 Payment Initiation Services exposed by Fintecture: Immediate Transfer,
    Smart Transfer (auto-reconciled via merchant-allocated virtual IBANs),
    Request To Pay (payment links via email/SMS/QR), Buy Now Pay Later, Verified
    Payout, and Immediate Refund. The /pis/v2/connect endpoint serves all three
    payment types and supports mixing them in the same session via the Payment
    Hub.
  version: "v2"
  contact:
    name: Fintecture Support
    url: https://fintecture.com/contact
  license:
    name: Fintecture Terms of Service
    url: https://fintecture.com/mentions-legales

servers:
  - url: https://api.fintecture.com
    description: Production
  - url: https://api-sandbox.fintecture.com
    description: Sandbox

security:
  - BearerAuth: []

tags:
  - name: Payments
    description: Create and inspect payment sessions
  - name: Request To Pay
    description: Generate Fintecture payment links
  - name: Refunds
    description: Initiate immediate refunds
  - name: Payouts
    description: Verified payouts and request-for-payout
  - name: Settlements
    description: Local Acquiring disbursements

paths:
  /pis/v2/connect:
    post:
      summary: Create A Payment Session
      description: >
        Creates a payment session for a PSU to initiate an Immediate Transfer,
        Smart Transfer, or Buy Now Pay Later payment. To mix them in a single
        session, use the Payment Hub semantics. Signature, digest, date and
        x-request-id headers are mandatory in production.
      operationId: createPisV2Connect
      tags: [Payments]
      parameters:
        - $ref: '#/components/parameters/SignatureHeader'
        - $ref: '#/components/parameters/DigestHeader'
        - $ref: '#/components/parameters/DateHeader'
        - $ref: '#/components/parameters/RequestIdHeader'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/PaymentConnectRequest'
      responses:
        '200':
          description: Connect URL returned
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PaymentConnectResponse'
        '400': { $ref: '#/components/responses/BadRequest' }
        '401': { $ref: '#/components/responses/Unauthorized' }

  /pis/v2/payments:
    get:
      summary: Get All Payments
      description: List all payments linked to the calling application. Supports filters.
      operationId: getPisV2Payments
      tags: [Payments]
      parameters:
        - in: query
          name: filter[status]
          schema: { type: string }
        - in: query
          name: filter[from]
          schema: { type: string, format: date }
        - in: query
          name: filter[to]
          schema: { type: string, format: date }
      responses:
        '200':
          description: Payment list
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PaymentList'

  /pis/v2/payments/{payment_id}:
    get:
      summary: Get Specific Payment
      description: Detailed information for a specific payment session.
      operationId: getPaymentSession
      tags: [Payments]
      parameters:
        - $ref: '#/components/parameters/PaymentIdPath'
      responses:
        '200':
          description: Payment details
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Payment'
    patch:
      summary: Update A Payment
      description: Modify information on a specific payment.
      operationId: patchPisV2PaymentSession
      tags: [Payments]
      parameters:
        - $ref: '#/components/parameters/PaymentIdPath'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/PaymentPatch'
      responses:
        '200':
          description: Updated payment
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Payment'

  /pis/v2/payments/{payment_id}/refunds:
    get:
      summary: Get Payment Refunds
      description: List all refunds related to a specific payment.
      operationId: getPisV2PaymentRefunds
      tags: [Refunds]
      parameters:
        - $ref: '#/components/parameters/PaymentIdPath'
      responses:
        '200':
          description: Refund list
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/RefundList'

  /pis/v2/refund:
    post:
      summary: Create A Refund
      description: >
        Initiate a refund. Refunds may be full or partial. By default the refund
        is sent to the original payment account, but a payout account may be
        specified instead.
      operationId: createPisV2Refund
      tags: [Refunds]
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/RefundRequest'
      responses:
        '200':
          description: Refund created
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Refund'

  /pis/v2/request-to-pay:
    post:
      summary: Create A Request To Pay
      description: >
        Generate a Fintecture payment link. Link can be returned in the response
        and/or delivered to the customer by email or SMS. Same endpoint backs
        Immediate Transfer, Smart Transfer, and Buy Now Pay Later.
      operationId: createPisV2RequestToPay
      tags: [Request To Pay]
      parameters:
        - $ref: '#/components/parameters/SignatureHeader'
        - $ref: '#/components/parameters/DigestHeader'
        - $ref: '#/components/parameters/DateHeader'
        - $ref: '#/components/parameters/RequestIdHeader'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/RequestToPayRequest'
      responses:
        '200':
          description: Request to pay created
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/RequestToPayResponse'

  /pis/v2/request-for-payout:
    post:
      summary: Create A Request For Payout
      description: Create a request for payout that the merchant can share with a customer for asynchronous payout.
      operationId: createPisV2RequestForPayout
      tags: [Payouts]
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/RequestForPayoutRequest'
      responses:
        '200':
          description: Request for payout created
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/RequestForPayoutResponse'

  /pis/v2/settlements:
    get:
      summary: Get All Settlements
      description: List all disbursements from the merchant's Local Acquiring account.
      operationId: getPisV2Settlements
      tags: [Settlements]
      responses:
        '200':
          description: Settlements list
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/SettlementList'

  /pis/v2/settlements/{settlement_id}:
    get:
      summary: Get Specific Settlement
      description: Information about a specific settlement.
      operationId: getSettlementById
      tags: [Settlements]
      parameters:
        - in: path
          name: settlement_id
          required: true
          schema: { type: string }
      responses:
        '200':
          description: Settlement details
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Settlement'

components:
  securitySchemes:
    BearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT

  parameters:
    SignatureHeader:
      in: header
      name: Signature
      required: true
      description: HTTP message signature (RFC draft-cavage-http-signatures).
      schema: { type: string }
    DigestHeader:
      in: header
      name: Digest
      required: true
      description: SHA-256 digest of the request body, base64-encoded, prefixed with `SHA-256=`.
      schema: { type: string }
    DateHeader:
      in: header
      name: Date
      required: true
      schema: { type: string }
    RequestIdHeader:
      in: header
      name: x-request-id
      required: true
      description: Unique request identifier (UUID v4 recommended).
      schema: { type: string, format: uuid }
    PaymentIdPath:
      in: path
      name: payment_id
      required: true
      schema: { type: string }

  responses:
    BadRequest:
      description: Bad request
      content:
        application/json:
          schema: { $ref: '#/components/schemas/Error' }
    Unauthorized:
      description: Unauthorized
      content:
        application/json:
          schema: { $ref: '#/components/schemas/Error' }

  schemas:
    PaymentMeta:
      type: object
      properties:
        psu_name: { type: string }
        psu_email: { type: string, format: email }
        psu_phone: { type: string }
        psu_address: { type: string }

    PaymentAttributes:
      type: object
      required: [amount, currency, communication]
      properties:
        amount:
          type: string
          description: Amount in the given currency, as a string (e.g. "12.34").
        currency:
          type: string
          enum: [EUR, GBP, PLN]
        customer_id: { type: string }
        end_to_end_id: { type: string }
        communication:
          type: string
          description: Free-form payment communication / remittance information.
        beneficiary:
          type: object
          properties:
            name: { type: string }
            iban: { type: string }
            bic: { type: string }
        payment_method:
          type: string
          enum: [immediate_transfer, smart_transfer, bnpl]

    PaymentConnectRequest:
      type: object
      required: [meta, data]
      properties:
        meta: { $ref: '#/components/schemas/PaymentMeta' }
        data:
          type: object
          properties:
            type: { type: string, enum: [PIS] }
            attributes: { $ref: '#/components/schemas/PaymentAttributes' }

    PaymentConnectResponse:
      type: object
      properties:
        meta:
          type: object
          properties:
            session_id: { type: string }
            status: { type: string }
            url: { type: string, format: uri }
            code: { type: string }

    Payment:
      type: object
      properties:
        id: { type: string }
        type: { type: string, enum: [PIS] }
        attributes: { $ref: '#/components/schemas/PaymentAttributes' }
        status:
          type: string
          enum:
            - payment_created
            - payment_pending
            - payment_initiated
            - payment_completed
            - payment_rejected
            - payment_cancelled
            - payment_failed
        created_at: { type: string, format: date-time }
        updated_at: { type: string, format: date-time }

    PaymentList:
      type: object
      properties:
        data:
          type: array
          items: { $ref: '#/components/schemas/Payment' }
        meta:
          type: object
          properties:
            count: { type: integer }

    PaymentPatch:
      type: object
      properties:
        meta: { $ref: '#/components/schemas/PaymentMeta' }
        data:
          type: object
          properties:
            attributes:
              type: object
              properties:
                communication: { type: string }

    Refund:
      type: object
      properties:
        id: { type: string }
        amount: { type: string }
        currency: { type: string }
        status: { type: string }
        original_payment_id: { type: string }
        created_at: { type: string, format: date-time }

    RefundRequest:
      type: object
      required: [meta, data]
      properties:
        meta:
          type: object
          properties:
            session_id: { type: string }
        data:
          type: object
          properties:
            attributes:
              type: object
              properties:
                amount: { type: string }
                currency: { type: string }
                communication: { type: string }

    RefundList:
      type: object
      properties:
        data:
          type: array
          items: { $ref: '#/components/schemas/Refund' }

    RequestToPayRequest:
      type: object
      properties:
        meta: { $ref: '#/components/schemas/PaymentMeta' }
        data:
          type: object
          properties:
            type: { type: string, enum: [PIS] }
            attributes: { $ref: '#/components/schemas/PaymentAttributes' }

    RequestToPayResponse:
      type: object
      properties:
        meta:
          type: object
          properties:
            session_id: { type: string }
            url: { type: string, format: uri }
            link_id: { type: string }

    RequestForPayoutRequest:
      type: object
      required: [meta, data]
      properties:
        meta:
          type: object
          properties:
            customer_id: { type: string }
        data:
          type: object
          properties:
            attributes:
              type: object
              properties:
                amount: { type: string }
                currency: { type: string }
                communication: { type: string }

    RequestForPayoutResponse:
      type: object
      properties:
        meta:
          type: object
          properties:
            session_id: { type: string }
            status: { type: string }
            url: { type: string, format: uri }

    Settlement:
      type: object
      properties:
        id: { type: string }
        amount: { type: string }
        currency: { type: string }
        status: { type: string }
        settled_at: { type: string, format: date-time }
        beneficiary_iban: { type: string }
        transactions:
          type: array
          items: { type: string }

    SettlementList:
      type: object
      properties:
        data:
          type: array
          items: { $ref: '#/components/schemas/Settlement' }

    Error:
      type: object
      properties:
        errors:
          type: array
          items:
            type: object
            properties:
              status: { type: string }
              code: { type: string }
              title: { type: string }
              detail: { type: string }