Synchrony Credit Authorization API

openapi: 3.1.0
info:
  title: Synchrony Financial Credit Authorization API
  description: >-
    The Synchrony Financial Credit Authorization API allows merchants and retailers
    to perform credit card transactions including purchases, preauthorizations,
    completions, payments, refunds, and reversals. The API supports transactions
    via payment tokens or full account numbers across web, mobile, and
    point-of-sale channels.
  version: '1.0'
  contact:
    url: https://developer.syf.com/
servers:
  - url: https://api.syf.com
    description: Production
  - url: https://sandbox.api.syf.com
    description: Sandbox
security:
  - bearerAuth: []
tags:
  - name: Purchases
    description: Authorize and capture purchase transactions.
  - name: Preauthorizations
    description: Place holds on credit for future purchase completions.
  - name: Payments
    description: Process customer account payments.
  - name: Refunds
    description: Process refunds and credit adjustments.
  - name: Reversals
    description: Reverse and void transactions.
paths:
  /v1/authorizations/purchases:
    post:
      operationId: createPurchase
      summary: Create Purchase Authorization
      description: >-
        Initiates a purchase transaction against a Synchrony credit account.
        Supports both payment token and full account number submission. Returns
        an authorization code upon approval.
      tags:
        - Purchases
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/PurchaseRequest'
      responses:
        '200':
          description: Transaction approved
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AuthorizationResponse'
        '400':
          description: Bad request
        '401':
          description: Unauthorized
        '422':
          description: Transaction declined
  /v1/authorizations/preauthorizations:
    post:
      operationId: createPreauthorization
      summary: Create Preauthorization
      description: >-
        Places an authorization hold on a customer's credit account for a
        specified amount. Use this for transactions where the final amount
        may differ from the initial hold, such as hotel or rental scenarios.
      tags:
        - Preauthorizations
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/PreauthorizationRequest'
      responses:
        '200':
          description: Preauthorization approved
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AuthorizationResponse'
        '400':
          description: Bad request
        '422':
          description: Transaction declined
  /v1/authorizations/completions:
    post:
      operationId: createCompletion
      summary: Complete Preauthorization
      description: >-
        Completes a prior preauthorization by capturing the final transaction
        amount. References the original preauthorization code.
      tags:
        - Preauthorizations
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/CompletionRequest'
      responses:
        '200':
          description: Completion successful
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AuthorizationResponse'
        '400':
          description: Bad request
  /v1/authorizations/payments:
    post:
      operationId: createPayment
      summary: Submit Payment
      description: >-
        Processes a payment to a customer's Synchrony credit account.
        Payments reduce the outstanding balance on the account.
      tags:
        - Payments
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/PaymentRequest'
      responses:
        '200':
          description: Payment processed
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AuthorizationResponse'
        '400':
          description: Bad request
  /v1/authorizations/refunds:
    post:
      operationId: createRefund
      summary: Create Refund
      description: >-
        Processes a refund to a customer's Synchrony credit account,
        crediting the specified amount back to the account.
      tags:
        - Refunds
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/RefundRequest'
      responses:
        '200':
          description: Refund processed
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AuthorizationResponse'
        '400':
          description: Bad request
  /v1/authorizations/reversals:
    post:
      operationId: createReversal
      summary: Create Reversal
      description: >-
        Voids or reverses a prior transaction. Can be used to cancel
        purchases, preauthorizations, or payments before settlement.
      tags:
        - Reversals
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/ReversalRequest'
      responses:
        '200':
          description: Reversal processed
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AuthorizationResponse'
        '400':
          description: Bad request
components:
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
  schemas:
    PurchaseRequest:
      type: object
      required:
        - merchantId
        - amount
        - accountNumber
      properties:
        merchantId:
          type: string
          description: The merchant's Synchrony identifier.
        accountNumber:
          type: string
          description: Customer's credit account number or payment token.
        amount:
          type: number
          format: float
          description: Transaction amount in dollars.
        channel:
          type: string
          enum: [web, mobile, pos]
          description: The transaction channel.
        merchantOrderId:
          type: string
          description: Merchant's internal order reference.
    PreauthorizationRequest:
      type: object
      required:
        - merchantId
        - amount
        - accountNumber
      properties:
        merchantId:
          type: string
        accountNumber:
          type: string
        amount:
          type: number
          format: float
        merchantOrderId:
          type: string
    CompletionRequest:
      type: object
      required:
        - merchantId
        - authorizationCode
        - amount
      properties:
        merchantId:
          type: string
        authorizationCode:
          type: string
          description: Original preauthorization code.
        amount:
          type: number
          format: float
    PaymentRequest:
      type: object
      required:
        - merchantId
        - accountNumber
        - amount
      properties:
        merchantId:
          type: string
        accountNumber:
          type: string
        amount:
          type: number
          format: float
    RefundRequest:
      type: object
      required:
        - merchantId
        - originalTransactionId
        - amount
      properties:
        merchantId:
          type: string
        originalTransactionId:
          type: string
        amount:
          type: number
          format: float
    ReversalRequest:
      type: object
      required:
        - merchantId
        - originalTransactionId
      properties:
        merchantId:
          type: string
        originalTransactionId:
          type: string
        amount:
          type: number
          format: float
    AuthorizationResponse:
      type: object
      properties:
        transactionId:
          type: string
          description: Unique identifier for the transaction.
        authorizationCode:
          type: string
          description: Authorization code returned on approval.
        status:
          type: string
          enum: [approved, declined, pending]
        amount:
          type: number
          format: float
        accountNumber:
          type: string
          description: Masked account number.
        timestamp:
          type: string
          format: date-time
        message:
          type: string
          description: Human-readable status message.