---
updatedAt: 2026-04-20T20:05:09.000Z
agentTools:
  projectIndex: https://docs.prahsys.com/llms.txt
---

# Update or Create Payment

# OpenAPI definition

```json
{
  "openapi": "3.1.0",
  "info": {
    "title": "Payments API",
    "description": "",
    "version": "1.81.0"
  },
  "servers": [
    {
      "url": "https://api.prahsys.com"
    }
  ],
  "tags": [
    {
      "name": "Payments",
      "description": ""
    }
  ],
  "components": {
    "securitySchemes": {
      "default": {
        "type": "http",
        "scheme": "bearer",
        "description": "You can retrieve your API key from your Prahsys account manager."
      }
    }
  },
  "security": [
    {
      "default": []
    }
  ],
  "paths": {
    "/payments/n1/merchant/{merchantId}/payment/{paymentId}": {
      "post": {
        "summary": "Update or Create Payment",
        "operationId": "updateOrCreatePayment",
        "description": "",
        "parameters": [
          {
            "in": "header",
            "name": "X-Prahsys-Version",
            "description": "",
            "example": "1.0.0",
            "schema": {
              "type": "string"
            }
          }
        ],
        "responses": {
          "200": {
            "description": "Response from updating or creating a payment (Full Example)",
            "content": {
              "application/json": {
                "schema": {
                  "type": "object",
                  "example": {
                    "success": true,
                    "data": {
                      "id": "payment-c0ab7cf63263a85",
                      "merchantId": "Z70B874W63DW",
                      "orderId": "order_az78bt57",
                      "amount": 70.05,
                      "currency": "USD",
                      "description": "This is an example payment",
                      "custom": {
                        "merchantReference": "REF-1800-lmba"
                      },
                      "type": "PRIMARY",
                      "invoiceNumber": "b91a4e68-401a-327f-b804-e3aae625c677",
                      "certainty": "FINAL",
                      "statementDescriptor": {
                        "name": "Bins-Homenick",
                        "phone": "209-814-4110",
                        "websiteUrl": "http://sauer.com/vero-odio-nesciunt-quae-aut-sequi",
                        "address": {
                          "street": "133 Myrtle Pass",
                          "city": "East Lucianochester",
                          "stateProvince": "AR",
                          "postcodeZip": "55443",
                          "country": "USA"
                        }
                      },
                      "status": "CAPTURED",
                      "creationTime": "2026-01-18T18:48:18.000+00:00",
                      "lastUpdatedTime": "2026-01-29T08:55:31.000+00:00",
                      "result": "SUCCESS",
                      "billing": {
                        "card": {
                          "nameOnCard": "John Doe",
                          "number": "424242xxxxxx4242",
                          "expiry": {
                            "month": 1,
                            "year": 39
                          },
                          "brand": "VISA",
                          "fundingMethod": "DEBIT",
                          "storedOnFile": "NOT_STORED"
                        },
                        "address": {
                          "id": "311c6267-d349-38d9-b5d0-77d29f5ca1e9",
                          "isDefault": true,
                          "company": "Boyer Group",
                          "street": "511 Hirthe Views Suite 229",
                          "street2": "Suite 996",
                          "city": "West Arnold",
                          "stateProvince": "KY",
                          "postcodeZip": "91911",
                          "country": "USA"
                        },
                        "method": "CARD"
                      },
                      "customer": {
                        "email": "test.customer@example.com",
                        "firstName": "Elsie",
                        "lastName": "Kautzer",
                        "phone": "+18578674736",
                        "dateOfBirth": "1975-08-07"
                      },
                      "refundedAmount": 0,
                      "refundableAmount": 70.05,
                      "receiptUrl": "https://api.prahsys.com/receipt/payment-c0ab7cf63263a85",
                      "receiptPdfUrl": "https://api.prahsys.com/receipt/payment-c0ab7cf63263a85/download",
                      "dashboardUrl": "https://dashboard.prahsys.com/example-channel/merchants/example-merchant/orders/payment-c0ab7cf63263a85",
                      "tags": [
                        "retail",
                        "recurring"
                      ],
                      "transactions": [
                        {
                          "id": "e8025759-596a-3c8f-8cab-ad9e83a9f69f",
                          "operation": "AUTHORIZE",
                          "type": "AUTHORIZATION",
                          "result": "SUCCESS",
                          "settlementStatus": "SETTLED",
                          "amount": 70.05,
                          "currency": "USD",
                          "payment": {
                            "id": "payment-c0ab7cf63263a85",
                            "merchantId": "Z70B874W63DW",
                            "orderId": "order_az78bt57",
                            "amount": 70.05,
                            "currency": "USD",
                            "description": "This is an example payment",
                            "custom": {
                              "merchantReference": "REF-1800-lmba"
                            },
                            "type": "PRIMARY",
                            "invoiceNumber": "b91a4e68-401a-327f-b804-e3aae625c677",
                            "statementDescriptor": {
                              "name": "Bins-Homenick",
                              "phone": "209-814-4110",
                              "websiteUrl": "http://sauer.com/vero-odio-nesciunt-quae-aut-sequi",
                              "address": {
                                "street": "133 Myrtle Pass",
                                "city": "East Lucianochester",
                                "stateProvince": "AR",
                                "postcodeZip": "55443",
                                "country": "USA"
                              }
                            },
                            "certainty": "FINAL",
                            "status": "CAPTURED",
                            "creationTime": "2026-01-18T18:48:18.000+00:00",
                            "lastUpdatedTime": "2026-01-29T08:55:31.000+00:00",
                            "result": "SUCCESS",
                            "billing": {
                              "card": {
                                "nameOnCard": "John Doe",
                                "number": "424242xxxxxx4242",
                                "expiry": {
                                  "month": 1,
                                  "year": 39
                                },
                                "brand": "VISA",
                                "fundingMethod": "DEBIT",
                                "storedOnFile": "NOT_STORED"
                              },
                              "address": {
                                "id": "311c6267-d349-38d9-b5d0-77d29f5ca1e9",
                                "isDefault": true,
                                "company": "Boyer Group",
                                "street": "511 Hirthe Views Suite 229",
                                "street2": "Suite 996",
                                "city": "West Arnold",
                                "stateProvince": "KY",
                                "postcodeZip": "91911",
                                "country": "USA"
                              },
                              "method": "CARD"
                            },
                            "customer": {
                              "email": "test.customer@example.com",
                              "firstName": "Elsie",
                              "lastName": "Kautzer",
                              "phone": "+18578674736",
                              "dateOfBirth": "1975-08-07"
                            },
                            "refundedAmount": 0,
                            "refundableAmount": 70.05,
                            "capturedAmount": 70.05,
                            "remainingBalance": 0,
                            "receiptUrl": "https://api.prahsys.com/receipt/payment-c0ab7cf63263a85",
                            "receiptPdfUrl": "https://api.prahsys.com/receipt/payment-c0ab7cf63263a85/download",
                            "dashboardUrl": "https://dashboard.prahsys.com/example-channel/merchants/example-merchant/orders/payment-c0ab7cf63263a85",
                            "tags": [
                              "retail",
                              "recurring"
                            ]
                          },
                          "availableBalance": {
                            "amount": 3176.6,
                            "currency": "USD"
                          },
                          "requestedAmount": 663.16,
                          "authorizationAdjustmentActions": "NO_ACTION",
                          "authorizationAdjustmentAmount": 0,
                          "authorizingEntity": "ISSUER",
                          "authorizationCode": "PM16SU",
                          "avsCode": "FULL_MATCH",
                          "cscCode": "MATCH",
                          "reference": "ref_av28no68",
                          "stan": "369057",
                          "source": "INTERNET",
                          "terminal": "wem",
                          "settlement": {
                            "settlementDate": "2026-07-22T21:49:06+00:00",
                            "settlementAmount": 663.16,
                            "netAmount": 643.93,
                            "totalFees": 19.23,
                            "feeSettlementDate": "2026-07-22T21:49:06+00:00",
                            "interchangeFee": 11.94,
                            "networkFees": 1.33,
                            "assessmentFee": 0.66,
                            "payfacFee": 5.31,
                            "chargebackFee": 0,
                            "interchangeCode": "CPS-RETAIL",
                            "settlingDate": "2026-07-21T21:49:06+00:00",
                            "fundingStatus": "FUNDED",
                            "onHold": false
                          },
                          "refundedAmount": 0,
                          "refundableAmount": 663.16,
                          "createdAt": "2026-07-20T21:49:06.248+00:00"
                        },
                        {
                          "id": "6e5674b3-e836-3af0-8e5a-5c04597923ee",
                          "targetTransactionId": "498ad608-83f8-307e-97c3-7a013c242c83",
                          "operation": "CAPTURE",
                          "type": "CAPTURE",
                          "result": "SUCCESS",
                          "settlementStatus": "SETTLED",
                          "amount": 70.05,
                          "currency": "USD",
                          "payment": {
                            "id": "payment-c0ab7cf63263a85",
                            "merchantId": "Z70B874W63DW",
                            "orderId": "order_az78bt57",
                            "amount": 70.05,
                            "currency": "USD",
                            "description": "This is an example payment",
                            "custom": {
                              "merchantReference": "REF-1800-lmba"
                            },
                            "type": "PRIMARY",
                            "invoiceNumber": "b91a4e68-401a-327f-b804-e3aae625c677",
                            "statementDescriptor": {
                              "name": "Bins-Homenick",
                              "phone": "209-814-4110",
                              "websiteUrl": "http://sauer.com/vero-odio-nesciunt-quae-aut-sequi",
                              "address": {
                                "street": "133 Myrtle Pass",
                                "city": "East Lucianochester",
                                "stateProvince": "AR",
                                "postcodeZip": "55443",
                                "country": "USA"
                              }
                            },
                            "certainty": "FINAL",
                            "status": "CAPTURED",
                            "creationTime": "2026-01-18T18:48:18.000+00:00",
                            "lastUpdatedTime": "2026-01-29T08:55:31.000+00:00",
                            "result": "SUCCESS",
                            "billing": {
                              "card": {
                                "nameOnCard": "John Doe",
                                "number": "424242xxxxxx4242",
                                "expiry": {
                                  "month": 1,
                                  "year": 39
                                },
                                "brand": "VISA",
                                "fundingMethod": "DEBIT",
                                "storedOnFile": "NOT_STORED"
                              },
                              "address": {
                                "id": "311c6267-d349-38d9-b5d0-77d29f5ca1e9",
                                "isDefault": true,
                                "company": "Boyer Group",
                                "street": "511 Hirthe Views Suite 229",
                                "street2": "Suite 996",
                                "city": "West Arnold",
                                "stateProvince": "KY",
                                "postcodeZip": "91911",
                                "country": "USA"
                              },
                              "method": "CARD"
                            },
                            "customer": {
                              "email": "test.customer@example.com",
                              "firstName": "Elsie",
                              "lastName": "Kautzer",
                              "phone": "+18578674736",
                              "dateOfBirth": "1975-08-07"
                            },
                            "refundedAmount": 0,
                            "refundableAmount": 70.05,
                            "capturedAmount": 70.05,
                            "remainingBalance": 0,
                            "receiptUrl": "https://api.prahsys.com/receipt/payment-c0ab7cf63263a85",
                            "receiptPdfUrl": "https://api.prahsys.com/receipt/payment-c0ab7cf63263a85/download",
                            "dashboardUrl": "https://dashboard.prahsys.com/example-channel/merchants/example-merchant/orders/payment-c0ab7cf63263a85",
                            "tags": [
                              "retail",
                              "recurring"
                            ]
                          },
                          "requestedAmount": 704.7,
                          "authorizationAdjustmentActions": "NO_ACTION",
                          "authorizationAdjustmentAmount": 0,
                          "authorizingEntity": "ISSUER",
                          "authorizationCode": "IM36BA",
                          "avsCode": "FULL_MATCH",
                          "cscCode": "MATCH",
                          "reference": "ref_ph34kg36",
                          "stan": "117683",
                          "source": "INTERNET",
                          "terminal": "fovpyhpzy",
                          "settlement": {
                            "settlementDate": "2026-07-22T22:37:06+00:00",
                            "settlementAmount": 704.7,
                            "netAmount": 684.26,
                            "totalFees": 20.44,
                            "feeSettlementDate": "2026-07-22T22:37:06+00:00",
                            "interchangeFee": 12.68,
                            "networkFees": 1.41,
                            "assessmentFee": 0.7,
                            "payfacFee": 5.64,
                            "chargebackFee": 0,
                            "interchangeCode": "CPS-RETAIL",
                            "settlingDate": "2026-07-21T22:37:06+00:00",
                            "fundingStatus": "FUNDED",
                            "onHold": false
                          },
                          "refundedAmount": 0,
                          "refundableAmount": 704.7,
                          "createdAt": "2026-07-20T22:37:06.251+00:00"
                        }
                      ]
                    }
                  },
                  "properties": {
                    "success": {
                      "type": "boolean",
                      "example": true,
                      "description": "Whether the request was successful",
                      "enum": []
                    },
                    "data": {
                      "type": "object",
                      "properties": {
                        "id": {
                          "type": "string",
                          "example": "payment-c0ab7cf63263a85",
                          "description": "Unique identifier for the payment",
                          "enum": []
                        },
                        "merchantId": {
                          "type": "string",
                          "example": "Z70B874W63DW",
                          "description": "Identifier for the merchant associated with the payment",
                          "enum": []
                        },
                        "orderId": {
                          "type": "string",
                          "example": "order_az78bt57",
                          "description": "Unique identifier for the order associated with the payment",
                          "enum": []
                        },
                        "amount": {
                          "type": "number",
                          "example": 70.05,
                          "description": "Total amount of the payment",
                          "enum": []
                        },
                        "currency": {
                          "type": "string",
                          "example": "USD",
                          "description": "Currency of the payment amount in ISO 4217 format",
                          "enum": []
                        },
                        "description": {
                          "type": "string",
                          "example": "This is an example payment",
                          "description": "Description of the payment",
                          "enum": []
                        },
                        "custom": {
                          "type": "object",
                          "properties": {
                            "merchantReference": {
                              "type": "string",
                              "example": "REF-1800-lmba"
                            }
                          },
                          "description": "Custom payment data specific to the merchant"
                        },
                        "type": {
                          "type": "string",
                          "example": "PRIMARY",
                          "description": "Type of payment (PRIMARY, FEES, or ADDITIONAL_CHARGES)",
                          "enum": [
                            "PRIMARY",
                            "FEES",
                            "ADDITIONAL_CHARGES"
                          ]
                        },
                        "invoiceNumber": {
                          "type": "string",
                          "example": "b91a4e68-401a-327f-b804-e3aae625c677",
                          "description": "Invoice number associated with the payment",
                          "enum": []
                        },
                        "certainty": {
                          "type": "string",
                          "example": "FINAL",
                          "description": "payment certainty status",
                          "enum": [
                            "ESTIMATED",
                            "FINAL"
                          ]
                        },
                        "statementDescriptor": {
                          "type": "object",
                          "properties": {
                            "name": {
                              "type": "string",
                              "example": "Bins-Homenick",
                              "description": "Name that appears on customer card statements",
                              "enum": []
                            },
                            "phone": {
                              "type": "string",
                              "example": "209-814-4110",
                              "description": "Name that appears on customer card statements",
                              "enum": []
                            },
                            "websiteUrl": {
                              "type": "string",
                              "example": "http://sauer.com/vero-odio-nesciunt-quae-aut-sequi",
                              "description": "Name that appears on customer card statements",
                              "enum": []
                            },
                            "address": {
                              "type": "object",
                              "properties": {
                                "street": {
                                  "type": "string",
                                  "example": "133 Myrtle Pass",
                                  "description": "The first line of the address.",
                                  "enum": []
                                },
                                "city": {
                                  "type": "string",
                                  "example": "East Lucianochester",
                                  "description": "The city portion of the address.",
                                  "enum": []
                                },
                                "stateProvince": {
                                  "type": "string",
                                  "example": "AR",
                                  "description": "The state or province code of the address.",
                                  "enum": []
                                },
                                "postcodeZip": {
                                  "type": "string",
                                  "example": "55443",
                                  "description": "The post code or zip code of the address.",
                                  "enum": []
                                },
                                "country": {
                                  "type": "string",
                                  "example": "USA",
                                  "description": "The 3 letter ISO standard alpha country code of the address.",
                                  "enum": []
                                }
                              },
                              "description": "Street address to appear on statements"
                            }
                          },
                          "description": "Statement descriptor information for card statements"
                        },
                        "status": {
                          "type": "string",
                          "example": "CAPTURED",
                          "description": "The current progress status of the payment through the payment process",
                          "enum": [
                            "AUTHORIZED",
                            "CAPTURED",
                            "PARTIALLY_CAPTURED",
                            "CANCELLED",
                            "REFUNDED",
                            "PARTIALLY_REFUNDED",
                            "DECLINED",
                            "ABORTED",
                            "FAILURE",
                            "FAILED",
                            "PENDING",
                            "SUCCESS",
                            "UNKNOWN",
                            "VERIFIED",
                            "SETTLING",
                            "SETTLED",
                            "DISPUTED",
                            "CAPTURE_PENDING",
                            "REFUND_PENDING"
                          ]
                        },
                        "creationTime": {
                          "type": "string",
                          "example": "2026-01-18T18:48:18.000+00:00",
                          "description": "Time when the payment was created",
                          "enum": []
                        },
                        "lastUpdatedTime": {
                          "type": "string",
                          "example": "2026-01-29T08:55:31.000+00:00",
                          "description": "Time when the payment was last updated",
                          "enum": []
                        },
                        "result": {
                          "type": "string",
                          "example": "SUCCESS",
                          "description": "Result of the payment processing",
                          "enum": [
                            "FAILURE",
                            "PENDING",
                            "SUCCESS",
                            "DECLINED",
                            "UNKNOWN",
                            "ERROR"
                          ]
                        },
                        "billing": {
                          "type": "object",
                          "properties": {
                            "card": {
                              "type": "object",
                              "properties": {
                                "nameOnCard": {
                                  "type": "string",
                                  "example": "John Doe",
                                  "description": "Cardholder name as it appears on the card",
                                  "enum": []
                                },
                                "number": {
                                  "type": "string",
                                  "example": "424242xxxxxx4242",
                                  "description": "Card number",
                                  "enum": []
                                },
                                "expiry": {
                                  "type": "object",
                                  "properties": {
                                    "month": {
                                      "type": "integer",
                                      "example": 1,
                                      "description": "Expiration month (1-12)",
                                      "enum": []
                                    },
                                    "year": {
                                      "type": "integer",
                                      "example": 39,
                                      "description": "Expiration year (2-digit format)",
                                      "enum": []
                                    }
                                  },
                                  "description": "Card expiration details"
                                },
                                "brand": {
                                  "type": "string",
                                  "example": "VISA",
                                  "description": "Card brand name (e.g., VISA, MASTERCARD)",
                                  "enum": [
                                    "AMEX",
                                    "CHINA_UNIONPAY",
                                    "DINERS_CLUB",
                                    "DISCOVER",
                                    "JCB",
                                    "LOCAL_BRAND_ONLY",
                                    "MAESTRO",
                                    "MASTERCARD",
                                    "RUPAY",
                                    "UATP",
                                    "UNKNOWN",
                                    "VISA"
                                  ]
                                },
                                "fundingMethod": {
                                  "type": "string",
                                  "example": "DEBIT",
                                  "description": "Method used to fund the card (e.g., CREDIT, DEBIT)",
                                  "enum": [
                                    "CHARGE",
                                    "CREDIT",
                                    "DEBIT",
                                    "UNKNOWN"
                                  ]
                                },
                                "storedOnFile": {
                                  "type": "string",
                                  "example": "NOT_STORED",
                                  "description": "Indicates if and how the card is stored on file",
                                  "enum": [
                                    "NOT_STORED",
                                    "STORED",
                                    "TO_BE_STORED"
                                  ]
                                }
                              },
                              "description": "Card payment details when using direct card input"
                            },
                            "address": {
                              "type": "object",
                              "properties": {
                                "id": {
                                  "type": "string",
                                  "example": "311c6267-d349-38d9-b5d0-77d29f5ca1e9",
                                  "description": "Unique identifier for this address. Provide when referencing an existing address; omit to create a new one.",
                                  "enum": []
                                },
                                "isDefault": {
                                  "type": "boolean",
                                  "example": true,
                                  "description": "Whether this is the customer's default address.",
                                  "enum": []
                                },
                                "company": {
                                  "type": "string",
                                  "example": "Boyer Group",
                                  "description": "The name of the company associated with this address.",
                                  "enum": []
                                },
                                "street": {
                                  "type": "string",
                                  "example": "511 Hirthe Views Suite 229",
                                  "description": "The first line of the address.",
                                  "enum": []
                                },
                                "street2": {
                                  "type": "string",
                                  "example": "Suite 996",
                                  "description": "The second line of the address.",
                                  "enum": []
                                },
                                "city": {
                                  "type": "string",
                                  "example": "West Arnold",
                                  "description": "The city portion of the address.",
                                  "enum": []
                                },
                                "stateProvince": {
                                  "type": "string",
                                  "example": "KY",
                                  "description": "The state or province code of the address.",
                                  "enum": []
                                },
                                "postcodeZip": {
                                  "type": "string",
                                  "example": "91911",
                                  "description": "The post code or zip code of the address.",
                                  "enum": []
                                },
                                "country": {
                                  "type": "string",
                                  "example": "USA",
                                  "description": "The 3 letter ISO standard alpha country code of the address.",
                                  "enum": []
                                }
                              },
                              "description": "Billing address. When present, the address will be verified with the payment method (AVS)."
                            },
                            "method": {
                              "type": "string",
                              "example": "CARD",
                              "description": "Payment method used for this transaction. Defaults to CARD if not specified.",
                              "enum": [
                                "CARD",
                                "CASH",
                                "CHECK",
                                "ACH"
                              ]
                            }
                          },
                          "description": "Billing information for the transaction"
                        },
                        "customer": {
                          "type": "object",
                          "properties": {
                            "email": {
                              "type": "string",
                              "example": "test.customer@example.com",
                              "description": "The email address of the customer. Must be longer than 3 characters and conform to RFC 2822.",
                              "enum": []
                            },
                            "firstName": {
                              "type": "string",
                              "example": "Elsie",
                              "description": "The customer's first name.",
                              "enum": []
                            },
                            "lastName": {
                              "type": "string",
                              "example": "Kautzer",
                              "description": "The customer's last name.",
                              "enum": []
                            },
                            "phone": {
                              "type": "string",
                              "example": "+18578674736",
                              "description": "The customer's phone number in E.164 format.",
                              "enum": []
                            },
                            "dateOfBirth": {
                              "type": "string",
                              "example": "1975-08-07",
                              "description": "The customer's date of birth. Must be in YYYY-MM-DD format.",
                              "enum": []
                            }
                          },
                          "description": "Customer information"
                        },
                        "refundedAmount": {
                          "type": "integer",
                          "example": 0,
                          "description": "Total amount that has been refunded for this payment",
                          "enum": []
                        },
                        "refundableAmount": {
                          "type": "number",
                          "example": 70.05,
                          "description": "Amount available for refund (total captured amount minus refunded amount, excluding voided transactions)",
                          "enum": []
                        },
                        "receiptUrl": {
                          "type": "string",
                          "example": "https://api.prahsys.com/receipt/payment-c0ab7cf63263a85",
                          "description": "URL to view the payment receipt",
                          "enum": []
                        },
                        "receiptPdfUrl": {
                          "type": "string",
                          "example": "https://api.prahsys.com/receipt/payment-c0ab7cf63263a85/download",
                          "description": "URL to download the payment receipt as PDF",
                          "enum": []
                        },
                        "dashboardUrl": {
                          "type": "string",
                          "example": "https://dashboard.prahsys.com/example-channel/merchants/example-merchant/orders/payment-c0ab7cf63263a85",
                          "description": "URL to view the payment in the merchant dashboard",
                          "enum": []
                        },
                        "tags": {
                          "type": "array",
                          "example": [
                            "retail",
                            "recurring"
                          ],
                          "description": "Tags associated with the payment",
                          "enum": [],
                          "items": {
                            "type": "string"
                          }
                        },
                        "transactions": {
                          "type": "array",
                          "example": [
                            {
                              "id": "e8025759-596a-3c8f-8cab-ad9e83a9f69f",
                              "operation": "AUTHORIZE",
                              "type": "AUTHORIZATION",
                              "result": "SUCCESS",
                              "settlementStatus": "SETTLED",
                              "amount": 70.05,
                              "currency": "USD",
                              "payment": {
                                "id": "payment-c0ab7cf63263a85",
                                "merchantId": "Z70B874W63DW",
                                "orderId": "order_az78bt57",
                                "amount": 70.05,
                                "currency": "USD",
                                "description": "This is an example payment",
                                "custom": {
                                  "merchantReference": "REF-1800-lmba"
                                },
                                "type": "PRIMARY",
                                "invoiceNumber": "b91a4e68-401a-327f-b804-e3aae625c677",
                                "statementDescriptor": {
                                  "name": "Bins-Homenick",
                                  "phone": "209-814-4110",
                                  "websiteUrl": "http://sauer.com/vero-odio-nesciunt-quae-aut-sequi",
                                  "address": {
                                    "street": "133 Myrtle Pass",
                                    "city": "East Lucianochester",
                                    "stateProvince": "AR",
                                    "postcodeZip": "55443",
                                    "country": "USA"
                                  }
                                },
                                "certainty": "FINAL",
                                "status": "CAPTURED",
                                "creationTime": "2026-01-18T18:48:18.000+00:00",
                                "lastUpdatedTime": "2026-01-29T08:55:31.000+00:00",
                                "result": "SUCCESS",
                                "billing": {
                                  "card": {
                                    "nameOnCard": "John Doe",
                                    "number": "424242xxxxxx4242",
                                    "expiry": {
                                      "month": 1,
                                      "year": 39
                                    },
                                    "brand": "VISA",
                                    "fundingMethod": "DEBIT",
                                    "storedOnFile": "NOT_STORED"
                                  },
                                  "address": {
                                    "id": "311c6267-d349-38d9-b5d0-77d29f5ca1e9",
                                    "isDefault": true,
                                    "company": "Boyer Group",
                                    "street": "511 Hirthe Views Suite 229",
                                    "street2": "Suite 996",
                                    "city": "West Arnold",
                                    "stateProvince": "KY",
                                    "postcodeZip": "91911",
                                    "country": "USA"
                                  },
                                  "method": "CARD"
                                },
                                "customer": {
                                  "email": "test.customer@example.com",
                                  "firstName": "Elsie",
                                  "lastName": "Kautzer",
                                  "phone": "+18578674736",
                                  "dateOfBirth": "1975-08-07"
                                },
                                "refundedAmount": 0,
                                "refundableAmount": 70.05,
                                "capturedAmount": 70.05,
                                "remainingBalance": 0,
                                "receiptUrl": "https://api.prahsys.com/receipt/payment-c0ab7cf63263a85",
                                "receiptPdfUrl": "https://api.prahsys.com/receipt/payment-c0ab7cf63263a85/download",
                                "dashboardUrl": "https://dashboard.prahsys.com/example-channel/merchants/example-merchant/orders/payment-c0ab7cf63263a85",
                                "tags": [
                                  "retail",
                                  "recurring"
                                ]
                              },
                              "availableBalance": {
                                "amount": 3176.6,
                                "currency": "USD"
                              },
                              "requestedAmount": 663.16,
                              "authorizationAdjustmentActions": "NO_ACTION",
                              "authorizationAdjustmentAmount": 0,
                              "authorizingEntity": "ISSUER",
                              "authorizationCode": "PM16SU",
                              "avsCode": "FULL_MATCH",
                              "cscCode": "MATCH",
                              "reference": "ref_av28no68",
                              "stan": "369057",
                              "source": "INTERNET",
                              "terminal": "wem",
                              "settlement": {
                                "settlementDate": "2026-07-22T21:49:06+00:00",
                                "settlementAmount": 663.16,
                                "netAmount": 643.93,
                                "totalFees": 19.23,
                                "feeSettlementDate": "2026-07-22T21:49:06+00:00",
                                "interchangeFee": 11.94,
                                "networkFees": 1.33,
                                "assessmentFee": 0.66,
                                "payfacFee": 5.31,
                                "chargebackFee": 0,
                                "interchangeCode": "CPS-RETAIL",
                                "settlingDate": "2026-07-21T21:49:06+00:00",
                                "fundingStatus": "FUNDED",
                                "onHold": false
                              },
                              "refundedAmount": 0,
                              "refundableAmount": 663.16,
                              "createdAt": "2026-07-20T21:49:06.248+00:00"
                            },
                            {
                              "id": "6e5674b3-e836-3af0-8e5a-5c04597923ee",
                              "targetTransactionId": "498ad608-83f8-307e-97c3-7a013c242c83",
                              "operation": "CAPTURE",
                              "type": "CAPTURE",
                              "result": "SUCCESS",
                              "settlementStatus": "SETTLED",
                              "amount": 70.05,
                              "currency": "USD",
                              "payment": {
                                "id": "payment-c0ab7cf63263a85",
                                "merchantId": "Z70B874W63DW",
                                "orderId": "order_az78bt57",
                                "amount": 70.05,
                                "currency": "USD",
                                "description": "This is an example payment",
                                "custom": {
                                  "merchantReference": "REF-1800-lmba"
                                },
                                "type": "PRIMARY",
                                "invoiceNumber": "b91a4e68-401a-327f-b804-e3aae625c677",
                                "statementDescriptor": {
                                  "name": "Bins-Homenick",
                                  "phone": "209-814-4110",
                                  "websiteUrl": "http://sauer.com/vero-odio-nesciunt-quae-aut-sequi",
                                  "address": {
                                    "street": "133 Myrtle Pass",
                                    "city": "East Lucianochester",
                                    "stateProvince": "AR",
                                    "postcodeZip": "55443",
                                    "country": "USA"
                                  }
                                },
                                "certainty": "FINAL",
                                "status": "CAPTURED",
                                "creationTime": "2026-01-18T18:48:18.000+00:00",
                                "lastUpdatedTime": "2026-01-29T08:55:31.000+00:00",
                                "result": "SUCCESS",
                                "billing": {
                                  "card": {
                                    "nameOnCard": "John Doe",
                                    "number": "424242xxxxxx4242",
                                    "expiry": {
                                      "month": 1,
                                      "year": 39
                                    },
                                    "brand": "VISA",
                                    "fundingMethod": "DEBIT",
                                    "storedOnFile": "NOT_STORED"
                                  },
                                  "address": {
                                    "id": "311c6267-d349-38d9-b5d0-77d29f5ca1e9",
                                    "isDefault": true,
                                    "company": "Boyer Group",
                                    "street": "511 Hirthe Views Suite 229",
                                    "street2": "Suite 996",
                                    "city": "West Arnold",
                                    "stateProvince": "KY",
                                    "postcodeZip": "91911",
                                    "country": "USA"
                                  },
                                  "method": "CARD"
                                },
                                "customer": {
                                  "email": "test.customer@example.com",
                                  "firstName": "Elsie",
                                  "lastName": "Kautzer",
                                  "phone": "+18578674736",
                                  "dateOfBirth": "1975-08-07"
                                },
                                "refundedAmount": 0,
                                "refundableAmount": 70.05,
                                "capturedAmount": 70.05,
                                "remainingBalance": 0,
                                "receiptUrl": "https://api.prahsys.com/receipt/payment-c0ab7cf63263a85",
                                "receiptPdfUrl": "https://api.prahsys.com/receipt/payment-c0ab7cf63263a85/download",
                                "dashboardUrl": "https://dashboard.prahsys.com/example-channel/merchants/example-merchant/orders/payment-c0ab7cf63263a85",
                                "tags": [
                                  "retail",
                                  "recurring"
                                ]
                              },
                              "requestedAmount": 704.7,
                              "authorizationAdjustmentActions": "NO_ACTION",
                              "authorizationAdjustmentAmount": 0,
                              "authorizingEntity": "ISSUER",
                              "authorizationCode": "IM36BA",
                              "avsCode": "FULL_MATCH",
                              "cscCode": "MATCH",
                              "reference": "ref_ph34kg36",
                              "stan": "117683",
                              "source": "INTERNET",
                              "terminal": "fovpyhpzy",
                              "settlement": {
                                "settlementDate": "2026-07-22T22:37:06+00:00",
                                "settlementAmount": 704.7,
                                "netAmount": 684.26,
                                "totalFees": 20.44,
                                "feeSettlementDate": "2026-07-22T22:37:06+00:00",
                                "interchangeFee": 12.68,
                                "networkFees": 1.41,
                                "assessmentFee": 0.7,
                                "payfacFee": 5.64,
                                "chargebackFee": 0,
                                "interchangeCode": "CPS-RETAIL",
                                "settlingDate": "2026-07-21T22:37:06+00:00",
                                "fundingStatus": "FUNDED",
                                "onHold": false
                              },
                              "refundedAmount": 0,
                              "refundableAmount": 704.7,
                              "createdAt": "2026-07-20T22:37:06.251+00:00"
                            }
                          ],
                          "description": "List of transactions associated with this payment",
                          "enum": [],
                          "items": {
                            "type": "object",
                            "properties": {
                              "id": {
                                "type": "string",
                                "example": "e8025759-596a-3c8f-8cab-ad9e83a9f69f",
                                "description": "Unique reference that identifies this specific transaction",
                                "enum": []
                              },
                              "operation": {
                                "type": "string",
                                "example": "AUTHORIZE",
                                "description": "Specifies the requested API operation",
                                "enum": [
                                  "AUTHORIZE",
                                  "CAPTURE",
                                  "CHARGEBACK",
                                  "PAY",
                                  "REFUND",
                                  "VERIFY",
                                  "VOID",
                                  "ADJUSTMENT",
                                  "UPDATE_AUTHORIZATION",
                                  "CHARGEBACK_REVERSAL"
                                ]
                              },
                              "type": {
                                "type": "string",
                                "example": "AUTHORIZATION",
                                "description": "Specifies the transaction type which was executed",
                                "enum": [
                                  "AUTHENTICATION",
                                  "AUTHORIZATION",
                                  "AUTHORIZATION_UPDATE",
                                  "CAPTURE",
                                  "CHARGEBACK",
                                  "DISBURSEMENT",
                                  "FUNDING",
                                  "REFUND",
                                  "REFUND_REQUEST",
                                  "VERIFICATION",
                                  "VOID_AUTHORIZATION",
                                  "VOID_CAPTURE",
                                  "VOID_REFUND",
                                  "ADJUSTMENT",
                                  "ADJUSTMENT_FROM",
                                  "ADJUSTMENT_TO",
                                  "CHARGEBACK_REVERSAL"
                                ]
                              },
                              "result": {
                                "type": "string",
                                "example": "SUCCESS",
                                "description": "Result of the transaction",
                                "enum": [
                                  "FAILURE",
                                  "PENDING",
                                  "SUCCESS",
                                  "DECLINED",
                                  "UNKNOWN",
                                  "ERROR"
                                ]
                              },
                              "settlementStatus": {
                                "type": "string",
                                "example": "SETTLED",
                                "description": "Transaction settlement status (pending, settled, deposited)",
                                "enum": [
                                  "PENDING",
                                  "SETTLING",
                                  "SETTLED",
                                  "ON_HOLD"
                                ]
                              },
                              "amount": {
                                "type": "number",
                                "example": 70.05,
                                "description": "Total financial value of the transaction",
                                "enum": []
                              },
                              "currency": {
                                "type": "string",
                                "example": "USD",
                                "description": "Three-letter ISO currency code for the transaction",
                                "enum": []
                              },
                              "payment": {
                                "type": "object",
                                "properties": {
                                  "id": {
                                    "type": "string",
                                    "example": "payment-c0ab7cf63263a85",
                                    "description": "Unique identifier for the payment",
                                    "enum": []
                                  },
                                  "merchantId": {
                                    "type": "string",
                                    "example": "Z70B874W63DW",
                                    "description": "Identifier for the merchant associated with the payment",
                                    "enum": []
                                  },
                                  "orderId": {
                                    "type": "string",
                                    "example": "order_az78bt57",
                                    "description": "Unique identifier for the order associated with the payment",
                                    "enum": []
                                  },
                                  "amount": {
                                    "type": "number",
                                    "example": 70.05,
                                    "description": "Total amount of the payment",
                                    "enum": []
                                  },
                                  "currency": {
                                    "type": "string",
                                    "example": "USD",
                                    "description": "Currency of the payment amount in ISO 4217 format",
                                    "enum": []
                                  },
                                  "description": {
                                    "type": "string",
                                    "example": "This is an example payment",
                                    "description": "Description of the payment",
                                    "enum": []
                                  },
                                  "custom": {
                                    "type": "object",
                                    "properties": {
                                      "merchantReference": {
                                        "type": "string",
                                        "example": "REF-1800-lmba"
                                      }
                                    },
                                    "description": "Custom payment data specific to the merchant"
                                  },
                                  "type": {
                                    "type": "string",
                                    "example": "PRIMARY",
                                    "description": "Type of payment (PRIMARY, FEES, or ADDITIONAL_CHARGES)",
                                    "enum": [
                                      "PRIMARY",
                                      "FEES",
                                      "ADDITIONAL_CHARGES"
                                    ]
                                  },
                                  "invoiceNumber": {
                                    "type": "string",
                                    "example": "b91a4e68-401a-327f-b804-e3aae625c677",
                                    "description": "Invoice number associated with the payment",
                                    "enum": []
                                  },
                                  "statementDescriptor": {
                                    "type": "object",
                                    "properties": {
                                      "name": {
                                        "type": "string",
                                        "example": "Bins-Homenick",
                                        "description": "Name that appears on customer card statements",
                                        "enum": []
                                      },
                                      "phone": {
                                        "type": "string",
                                        "example": "209-814-4110",
                                        "description": "Name that appears on customer card statements",
                                        "enum": []
                                      },
                                      "websiteUrl": {
                                        "type": "string",
                                        "example": "http://sauer.com/vero-odio-nesciunt-quae-aut-sequi",
                                        "description": "Name that appears on customer card statements",
                                        "enum": []
                                      },
                                      "address": {
                                        "type": "object",
                                        "properties": {
                                          "street": {
                                            "type": "string",
                                            "example": "133 Myrtle Pass",
                                            "description": "The first line of the address.",
                                            "enum": []
                                          },
                                          "city": {
                                            "type": "string",
                                            "example": "East Lucianochester",
                                            "description": "The city portion of the address.",
                                            "enum": []
                                          },
                                          "stateProvince": {
                                            "type": "string",
                                            "example": "AR",
                                            "description": "The state or province code of the address.",
                                            "enum": []
                                          },
                                          "postcodeZip": {
                                            "type": "string",
                                            "example": "55443",
                                            "description": "The post code or zip code of the address.",
                                            "enum": []
                                          },
                                          "country": {
                                            "type": "string",
                                            "example": "USA",
                                            "description": "The 3 letter ISO standard alpha country code of the address.",
                                            "enum": []
                                          }
                                        },
                                        "description": "Street address to appear on statements"
                                      }
                                    },
                                    "description": "Statement descriptor information for card statements"
                                  },
                                  "certainty": {
                                    "type": "string",
                                    "example": "FINAL",
                                    "description": "Payment certainty status",
                                    "enum": [
                                      "ESTIMATED",
                                      "FINAL"
                                    ]
                                  },
                                  "status": {
                                    "type": "string",
                                    "example": "CAPTURED",
                                    "description": "The current progress status of the payment through the payment process",
                                    "enum": [
                                      "AUTHORIZED",
                                      "CAPTURED",
                                      "PARTIALLY_CAPTURED",
                                      "CANCELLED",
                                      "REFUNDED",
                                      "PARTIALLY_REFUNDED",
                                      "DECLINED",
                                      "ABORTED",
                                      "FAILURE",
                                      "FAILED",
                                      "PENDING",
                                      "SUCCESS",
                                      "UNKNOWN",
                                      "VERIFIED",
                                      "SETTLING",
                                      "SETTLED",
                                      "DISPUTED",
                                      "CAPTURE_PENDING",
                                      "REFUND_PENDING"
                                    ]
                                  },
                                  "creationTime": {
                                    "type": "string",
                                    "example": "2026-01-18T18:48:18.000+00:00",
                                    "description": "Time when the payment was created",
                                    "enum": []
                                  },
                                  "lastUpdatedTime": {
                                    "type": "string",
                                    "example": "2026-01-29T08:55:31.000+00:00",
                                    "description": "Time when the payment was last updated",
                                    "enum": []
                                  },
                                  "result": {
                                    "type": "string",
                                    "example": "SUCCESS",
                                    "description": "Result of the payment processing",
                                    "enum": [
                                      "FAILURE",
                                      "PENDING",
                                      "SUCCESS",
                                      "DECLINED",
                                      "UNKNOWN",
                                      "ERROR"
                                    ]
                                  },
                                  "billing": {
                                    "type": "object",
                                    "properties": {
                                      "card": {
                                        "type": "object",
                                        "properties": {
                                          "nameOnCard": {
                                            "type": "string",
                                            "example": "John Doe",
                                            "description": "Cardholder name as it appears on the card",
                                            "enum": []
                                          },
                                          "number": {
                                            "type": "string",
                                            "example": "424242xxxxxx4242",
                                            "description": "Card number",
                                            "enum": []
                                          },
                                          "expiry": {
                                            "type": "object",
                                            "properties": {
                                              "month": {
                                                "type": "integer",
                                                "example": 1,
                                                "description": "Expiration month (1-12)",
                                                "enum": []
                                              },
                                              "year": {
                                                "type": "integer",
                                                "example": 39,
                                                "description": "Expiration year (2-digit format)",
                                                "enum": []
                                              }
                                            },
                                            "description": "Card expiration details"
                                          },
                                          "brand": {
                                            "type": "string",
                                            "example": "VISA",
                                            "description": "Card brand name (e.g., VISA, MASTERCARD)",
                                            "enum": [
                                              "AMEX",
                                              "CHINA_UNIONPAY",
                                              "DINERS_CLUB",
                                              "DISCOVER",
                                              "JCB",
                                              "LOCAL_BRAND_ONLY",
                                              "MAESTRO",
                                              "MASTERCARD",
                                              "RUPAY",
                                              "UATP",
                                              "UNKNOWN",
                                              "VISA"
                                            ]
                                          },
                                          "fundingMethod": {
                                            "type": "string",
                                            "example": "DEBIT",
                                            "description": "Method used to fund the card (e.g., CREDIT, DEBIT)",
                                            "enum": [
                                              "CHARGE",
                                              "CREDIT",
                                              "DEBIT",
                                              "UNKNOWN"
                                            ]
                                          },
                                          "storedOnFile": {
                                            "type": "string",
                                            "example": "NOT_STORED",
                                            "description": "Indicates if and how the card is stored on file",
                                            "enum": [
                                              "NOT_STORED",
                                              "STORED",
                                              "TO_BE_STORED"
                                            ]
                                          }
                                        },
                                        "description": "Card payment details when using direct card input"
                                      },
                                      "address": {
                                        "type": "object",
                                        "properties": {
                                          "id": {
                                            "type": "string",
                                            "example": "311c6267-d349-38d9-b5d0-77d29f5ca1e9",
                                            "description": "Unique identifier for this address. Provide when referencing an existing address; omit to create a new one.",
                                            "enum": []
                                          },
                                          "isDefault": {
                                            "type": "boolean",
                                            "example": true,
                                            "description": "Whether this is the customer's default address.",
                                            "enum": []
                                          },
                                          "company": {
                                            "type": "string",
                                            "example": "Boyer Group",
                                            "description": "The name of the company associated with this address.",
                                            "enum": []
                                          },
                                          "street": {
                                            "type": "string",
                                            "example": "511 Hirthe Views Suite 229",
                                            "description": "The first line of the address.",
                                            "enum": []
                                          },
                                          "street2": {
                                            "type": "string",
                                            "example": "Suite 996",
                                            "description": "The second line of the address.",
                                            "enum": []
                                          },
                                          "city": {
                                            "type": "string",
                                            "example": "West Arnold",
                                            "description": "The city portion of the address.",
                                            "enum": []
                                          },
                                          "stateProvince": {
                                            "type": "string",
                                            "example": "KY",
                                            "description": "The state or province code of the address.",
                                            "enum": []
                                          },
                                          "postcodeZip": {
                                            "type": "string",
                                            "example": "91911",
                                            "description": "The post code or zip code of the address.",
                                            "enum": []
                                          },
                                          "country": {
                                            "type": "string",
                                            "example": "USA",
                                            "description": "The 3 letter ISO standard alpha country code of the address.",
                                            "enum": []
                                          }
                                        },
                                        "description": "Billing address. When present, the address will be verified with the payment method (AVS)."
                                      },
                                      "method": {
                                        "type": "string",
                                        "example": "CARD",
                                        "description": "Payment method used for this transaction. Defaults to CARD if not specified.",
                                        "enum": [
                                          "CARD",
                                          "CASH",
                                          "CHECK",
                                          "ACH"
                                        ]
                                      }
                                    },
                                    "description": "Billing information for the transaction"
                                  },
                                  "customer": {
                                    "type": "object",
                                    "properties": {
                                      "email": {
                                        "type": "string",
                                        "example": "test.customer@example.com",
                                        "description": "The email address of the customer. Must be longer than 3 characters and conform to RFC 2822.",
                                        "enum": []
                                      },
                                      "firstName": {
                                        "type": "string",
                                        "example": "Elsie",
                                        "description": "The customer's first name.",
                                        "enum": []
                                      },
                                      "lastName": {
                                        "type": "string",
                                        "example": "Kautzer",
                                        "description": "The customer's last name.",
                                        "enum": []
                                      },
                                      "phone": {
                                        "type": "string",
                                        "example": "+18578674736",
                                        "description": "The customer's phone number in E.164 format.",
                                        "enum": []
                                      },
                                      "dateOfBirth": {
                                        "type": "string",
                                        "example": "1975-08-07",
                                        "description": "The customer's date of birth. Must be in YYYY-MM-DD format.",
                                        "enum": []
                                      }
                                    },
                                    "description": "Customer information"
                                  },
                                  "refundedAmount": {
                                    "type": "integer",
                                    "example": 0,
                                    "description": "Total amount that has been refunded for this payment",
                                    "enum": []
                                  },
                                  "refundableAmount": {
                                    "type": "number",
                                    "example": 70.05,
                                    "description": "Amount available for refund (total captured amount minus refunded amount, excluding voided transactions)",
                                    "enum": []
                                  },
                                  "capturedAmount": {
                                    "type": "number",
                                    "example": 70.05,
                                    "description": "Total amount that has been captured for this payment",
                                    "enum": []
                                  },
                                  "remainingBalance": {
                                    "type": "integer",
                                    "example": 0,
                                    "description": "Remaining balance available for capture (payment amount minus captured amount)",
                                    "enum": []
                                  },
                                  "receiptUrl": {
                                    "type": "string",
                                    "example": "https://api.prahsys.com/receipt/payment-c0ab7cf63263a85",
                                    "description": "URL to view the payment receipt",
                                    "enum": []
                                  },
                                  "receiptPdfUrl": {
                                    "type": "string",
                                    "example": "https://api.prahsys.com/receipt/payment-c0ab7cf63263a85/download",
                                    "description": "URL to download the payment receipt as PDF",
                                    "enum": []
                                  },
                                  "dashboardUrl": {
                                    "type": "string",
                                    "example": "https://dashboard.prahsys.com/example-channel/merchants/example-merchant/orders/payment-c0ab7cf63263a85",
                                    "description": "URL to view the payment in the merchant dashboard",
                                    "enum": []
                                  },
                                  "tags": {
                                    "type": "array",
                                    "example": [
                                      "retail",
                                      "recurring"
                                    ],
                                    "description": "Tags associated with the payment",
                                    "enum": [],
                                    "items": {
                                      "type": "string"
                                    }
                                  }
                                },
                                "description": "Payment details at the time of the transaction"
                              },
                              "availableBalance": {
                                "type": "object",
                                "properties": {
                                  "amount": {
                                    "type": "number",
                                    "example": 3176.6,
                                    "description": "Represents the spendable amount remaining on the card after transaction",
                                    "enum": []
                                  },
                                  "currency": {
                                    "type": "string",
                                    "example": "USD",
                                    "description": "ISO 4217 currency code representing the balance currency",
                                    "enum": []
                                  }
                                },
                                "description": "Available balance on the card"
                              },
                              "requestedAmount": {
                                "type": "number",
                                "example": 663.16,
                                "description": "Initial amount requested for the transaction.",
                                "enum": []
                              },
                              "authorizationAdjustmentActions": {
                                "type": "string",
                                "example": "NO_ACTION",
                                "description": "Specifies how to handle authorization amount adjustments for card-based gateways. Must be one of: INCREMENT (increase the authorization amount to match the capture amount), NO_ACTION (do not change the authorization amount). Null for non-card gateways (e.g., cash payments).",
                                "enum": []
                              },
                              "authorizationAdjustmentAmount": {
                                "type": "integer",
                                "example": 0,
                                "description": "Value by which the initial authorization was modified",
                                "enum": []
                              },
                              "authorizingEntity": {
                                "type": "string",
                                "example": "ISSUER",
                                "description": "Entity that made the authorization decision. Must be one of: ACQUIRER (acquirer made decision), ISSUER (issuer made decision), or SCHEME (scheme made decision)",
                                "enum": []
                              },
                              "authorizationCode": {
                                "type": "string",
                                "example": "PM16SU",
                                "description": "Bank-generated code responding to transfer proposal",
                                "enum": []
                              },
                              "avsCode": {
                                "type": "string",
                                "example": "FULL_MATCH",
                                "description": "AVS (Address Verification System) result indicating whether billing address matched",
                                "enum": [
                                  "FULL_MATCH",
                                  "PARTIAL_ADDRESS_MATCH",
                                  "PARTIAL_POSTAL_MATCH",
                                  "PARTIAL_NAME_MATCH",
                                  "NO_MATCH",
                                  "SERVICE_UNAVAILABLE",
                                  "NOT_SUPPORTED",
                                  "NOT_VERIFIED"
                                ]
                              },
                              "cscCode": {
                                "type": "string",
                                "example": "MATCH",
                                "description": "CSC (Card Security Code) verification result returned by the payment gateway",
                                "enum": []
                              },
                              "reference": {
                                "type": "string",
                                "example": "ref_av28no68",
                                "description": "Optional identifier for the transaction",
                                "enum": []
                              },
                              "stan": {
                                "type": "string",
                                "example": "369057",
                                "description": "System Trace Audit Number (STAN), which is assigned by the gateway and used for transaction message identification",
                                "enum": []
                              },
                              "source": {
                                "type": "string",
                                "example": "INTERNET",
                                "description": "Indicates how the transaction was initiated",
                                "enum": [
                                  "ACH",
                                  "CARD_PRESENT",
                                  "INTERNET",
                                  "MAIL_ORDER",
                                  "MERCHANT",
                                  "MOTO",
                                  "PAYER_PRESENT",
                                  "SERVICE_PROVIDER",
                                  "TELEPHONE_ORDER",
                                  "VOICE_RESPONSE"
                                ]
                              },
                              "terminal": {
                                "type": "string",
                                "example": "wem",
                                "description": "Terminal used by the processor/acquirer",
                                "enum": []
                              },
                              "settlement": {
                                "type": "object",
                                "properties": {
                                  "settlementDate": {
                                    "type": "string",
                                    "example": "2026-07-22T21:49:06+00:00",
                                    "description": "Date when transaction is fully settled (final state)",
                                    "enum": []
                                  },
                                  "settlementAmount": {
                                    "type": "number",
                                    "example": 663.16,
                                    "description": "Total settlement amount",
                                    "enum": []
                                  },
                                  "netAmount": {
                                    "type": "number",
                                    "example": 643.93,
                                    "description": "Net amount after fees",
                                    "enum": []
                                  },
                                  "totalFees": {
                                    "type": "number",
                                    "example": 19.23,
                                    "description": "Total fees charged",
                                    "enum": []
                                  },
                                  "feeSettlementDate": {
                                    "type": "string",
                                    "example": "2026-07-22T21:49:06+00:00",
                                    "description": "Fee settlement date",
                                    "enum": []
                                  },
                                  "interchangeFee": {
                                    "type": "number",
                                    "example": 11.94,
                                    "description": "Interchange fee",
                                    "enum": []
                                  },
                                  "networkFees": {
                                    "type": "number",
                                    "example": 1.33,
                                    "description": "Network fees",
                                    "enum": []
                                  },
                                  "assessmentFee": {
                                    "type": "number",
                                    "example": 0.66,
                                    "description": "Assessment fee",
                                    "enum": []
                                  },
                                  "payfacFee": {
                                    "type": "number",
                                    "example": 5.31,
                                    "description": "Payfac fee charged to merchant",
                                    "enum": []
                                  },
                                  "chargebackFee": {
                                    "type": "integer",
                                    "example": 0,
                                    "description": "Chargeback fee charged to submerchant",
                                    "enum": []
                                  },
                                  "interchangeCode": {
                                    "type": "string",
                                    "example": "CPS-RETAIL",
                                    "description": "Interchange code",
                                    "enum": []
                                  },
                                  "settlingDate": {
                                    "type": "string",
                                    "example": "2026-07-21T21:49:06+00:00",
                                    "description": "Date when the transaction is settling (intermediate state)",
                                    "enum": []
                                  },
                                  "fundingStatus": {
                                    "type": "string",
                                    "example": "FUNDED",
                                    "description": "Funding status",
                                    "enum": [
                                      "PENDING",
                                      "FUNDED",
                                      "FAILED"
                                    ]
                                  },
                                  "onHold": {
                                    "type": "boolean",
                                    "example": false,
                                    "description": "Whether the transaction is on hold",
                                    "enum": []
                                  }
                                },
                                "description": "Transaction settlement details"
                              },
                              "refundedAmount": {
                                "type": "integer",
                                "example": 0,
                                "description": "Total amount that has been refunded for this transaction",
                                "enum": []
                              },
                              "refundableAmount": {
                                "type": "number",
                                "example": 663.16,
                                "description": "Amount available for refund on this transaction",
                                "enum": []
                              },
                              "createdAt": {
                                "type": "string",
                                "example": "2026-07-20T21:49:06.248+00:00",
                                "description": "Time when the transaction was created",
                                "enum": []
                              }
                            }
                          }
                        }
                      },
                      "description": "The data returned from the request"
                    }
                  }
                }
              }
            }
          },
          "400": {
            "description": "Validation error response (Validation Error Example)",
            "content": {
              "application/json": {
                "schema": {
                  "type": "object",
                  "example": {
                    "success": false,
                    "message": "The field1 is required (and one other error)",
                    "errors": {
                      "field1": [
                        "The field1 is required."
                      ],
                      "field2": [
                        "The field2 must be a valid value."
                      ]
                    }
                  },
                  "properties": {
                    "success": {
                      "type": "boolean",
                      "example": false,
                      "description": "Whether the request was successful",
                      "enum": []
                    },
                    "message": {
                      "type": "string",
                      "example": "The field1 is required (and one other error)",
                      "description": "A message describing the result of the request",
                      "enum": []
                    },
                    "errors": {
                      "type": "object",
                      "properties": {
                        "field1": {
                          "type": "array",
                          "example": [
                            "The field1 is required."
                          ],
                          "items": {
                            "type": "string"
                          }
                        },
                        "field2": {
                          "type": "array",
                          "example": [
                            "The field2 must be a valid value."
                          ],
                          "items": {
                            "type": "string"
                          }
                        }
                      },
                      "description": "Any errors that occurred during the request"
                    }
                  }
                }
              }
            }
          },
          "401": {
            "description": "Authorization error response (Unauthorized Example)",
            "content": {
              "application/json": {
                "schema": {
                  "type": "object",
                  "example": {
                    "success": false,
                    "message": "Authentication is required"
                  },
                  "properties": {
                    "success": {
                      "type": "boolean",
                      "example": false,
                      "description": "Whether the request was successful",
                      "enum": []
                    },
                    "message": {
                      "type": "string",
                      "example": "Authentication is required",
                      "description": "A message describing the result of the request",
                      "enum": []
                    }
                  }
                }
              }
            }
          },
          "500": {
            "description": "Error response (Server Error Example)",
            "content": {
              "application/json": {
                "schema": {
                  "type": "object",
                  "example": {
                    "success": false,
                    "message": "Internal Server Error"
                  },
                  "properties": {
                    "success": {
                      "type": "boolean",
                      "example": false,
                      "description": "Whether the request was successful",
                      "enum": []
                    },
                    "message": {
                      "type": "string",
                      "example": "Internal Server Error",
                      "description": "A message describing the result of the request",
                      "enum": []
                    }
                  }
                }
              }
            }
          }
        },
        "tags": [
          "Payments"
        ],
        "requestBody": {
          "required": false,
          "content": {
            "application/json": {
              "schema": {
                "type": "object",
                "properties": {
                  "id": {
                    "type": "string",
                    "description": "Unique identifier for the payment",
                    "example": "payment-4b7b7f3bb15ef9f",
                    "nullable": true
                  },
                  "merchantId": {
                    "type": "string",
                    "description": "Identifier for the merchant associated with the payment",
                    "example": null,
                    "nullable": true
                  },
                  "orderId": {
                    "type": "string",
                    "description": "Unique identifier for the order associated with the payment",
                    "example": null,
                    "nullable": true
                  },
                  "amount": {
                    "type": "number",
                    "description": "Total amount of the payment",
                    "example": 4.14,
                    "nullable": false
                  },
                  "cashAmount": {
                    "type": "number",
                    "description": "The cash amount provided by the customer. When provided, the amount field is automatically calculated by applying the merchant's cash discount rate. Cannot be provided together with amount — provide only one.",
                    "example": null,
                    "nullable": true
                  },
                  "currency": {
                    "type": "string",
                    "description": "Currency of the payment amount in ISO 4217 format",
                    "example": "USD",
                    "nullable": false
                  },
                  "description": {
                    "type": "string",
                    "description": "Description of the payment",
                    "example": "This is an example payment",
                    "nullable": true
                  },
                  "custom": {
                    "type": "array",
                    "description": "Custom payment data specific to the merchant",
                    "example": null,
                    "items": {
                      "type": "string",
                      "nullable": true
                    }
                  },
                  "type": {
                    "type": "string",
                    "description": "Type of payment (PRIMARY, FEES, or ADDITIONAL_CHARGES)",
                    "example": null,
                    "nullable": true,
                    "enum": [
                      "PRIMARY",
                      "FEES",
                      "ADDITIONAL_CHARGES"
                    ]
                  },
                  "invoiceNumber": {
                    "type": "string",
                    "description": "Invoice number associated with the payment",
                    "example": null,
                    "nullable": true
                  },
                  "certainty": {
                    "type": "string",
                    "description": "payment certainty status",
                    "example": null,
                    "nullable": true,
                    "enum": [
                      "ESTIMATED",
                      "FINAL"
                    ]
                  },
                  "statementDescriptor": {
                    "type": "object",
                    "description": "Statement descriptor information for card statements",
                    "example": null,
                    "nullable": true,
                    "properties": {
                      "name": {
                        "type": "string",
                        "description": "Name that appears on customer card statements",
                        "example": null,
                        "nullable": false
                      },
                      "phone": {
                        "type": "string",
                        "description": "Name that appears on customer card statements",
                        "example": null,
                        "nullable": false
                      },
                      "websiteUrl": {
                        "type": "string",
                        "description": "Name that appears on customer card statements",
                        "example": null,
                        "nullable": false
                      },
                      "address": {
                        "type": "object",
                        "description": "Street address to appear on statements",
                        "example": null,
                        "nullable": true,
                        "properties": {
                          "id": {
                            "type": "string",
                            "description": "Unique identifier for this address. Provide when referencing an existing address; omit to create a new one.",
                            "example": null,
                            "nullable": true
                          },
                          "company": {
                            "type": "string",
                            "description": "The name of the company associated with this address.",
                            "example": null,
                            "nullable": true
                          },
                          "street": {
                            "type": "string",
                            "description": "The first line of the address.",
                            "example": null,
                            "nullable": true
                          },
                          "street2": {
                            "type": "string",
                            "description": "The second line of the address.",
                            "example": null,
                            "nullable": true
                          },
                          "city": {
                            "type": "string",
                            "description": "The city portion of the address.",
                            "example": null,
                            "nullable": true
                          },
                          "stateProvince": {
                            "type": "string",
                            "description": "The state or province code of the address.",
                            "example": null,
                            "nullable": true
                          },
                          "postcodeZip": {
                            "type": "string",
                            "description": "The post code or zip code of the address.",
                            "example": null,
                            "nullable": true
                          },
                          "country": {
                            "type": "string",
                            "description": "The 3 letter ISO standard alpha country code of the address.",
                            "example": null,
                            "nullable": true
                          }
                        }
                      }
                    }
                  },
                  "billing": {
                    "type": "object",
                    "description": "Billing information for the transaction",
                    "example": null,
                    "nullable": true,
                    "properties": {
                      "card": {
                        "type": "object",
                        "description": "Card payment details when using direct card input",
                        "example": null,
                        "nullable": true,
                        "properties": {
                          "nameOnCard": {
                            "type": "string",
                            "description": "Cardholder name as it appears on the card",
                            "example": null,
                            "nullable": true
                          },
                          "number": {
                            "type": "string",
                            "description": "Card number",
                            "example": null,
                            "nullable": true
                          },
                          "numberMasked": {
                            "type": "string",
                            "description": "Masked Card number (e.g., \"xxxxxxxxxxxx0008\")",
                            "example": null,
                            "nullable": true
                          },
                          "expiry": {
                            "type": "object",
                            "description": "Card expiration details",
                            "example": null,
                            "nullable": true,
                            "properties": {
                              "month": {
                                "type": "integer",
                                "description": "Expiration month (1-12)",
                                "example": null,
                                "nullable": true
                              },
                              "year": {
                                "type": "integer",
                                "description": "Expiration year (2-digit format)",
                                "example": null,
                                "nullable": true
                              }
                            }
                          },
                          "securityCode": {
                            "type": "string",
                            "description": "Card security code (CVV/CVC)",
                            "example": null,
                            "nullable": true
                          },
                          "brand": {
                            "type": "string",
                            "description": "Card brand name (e.g., VISA, MASTERCARD)",
                            "example": null,
                            "nullable": true,
                            "enum": [
                              "AMEX",
                              "CHINA_UNIONPAY",
                              "DINERS_CLUB",
                              "DISCOVER",
                              "JCB",
                              "LOCAL_BRAND_ONLY",
                              "MAESTRO",
                              "MASTERCARD",
                              "RUPAY",
                              "UATP",
                              "UNKNOWN",
                              "VISA"
                            ]
                          },
                          "fundingMethod": {
                            "type": "string",
                            "description": "Method used to fund the card (e.g., CREDIT, DEBIT)",
                            "example": null,
                            "nullable": true,
                            "enum": [
                              "CHARGE",
                              "CREDIT",
                              "DEBIT",
                              "UNKNOWN"
                            ]
                          },
                          "storedOnFile": {
                            "type": "string",
                            "description": "Indicates if and how the card is stored on file",
                            "example": null,
                            "nullable": true,
                            "enum": [
                              "NOT_STORED",
                              "STORED",
                              "TO_BE_STORED"
                            ]
                          }
                        }
                      },
                      "bankAccount": {
                        "type": "object",
                        "description": "Bank account details when using direct ACH input (e.g. during session tokenization)",
                        "example": null,
                        "nullable": true,
                        "properties": {
                          "accountNumber": {
                            "type": "string",
                            "description": "Full account number; only present at tokenization time, never returned after",
                            "example": null,
                            "nullable": true
                          },
                          "routingNumber": {
                            "type": "string",
                            "description": "9-digit ABA routing number",
                            "example": null,
                            "nullable": true
                          },
                          "accountHolderName": {
                            "type": "string",
                            "description": "Name of the account holder",
                            "example": null,
                            "nullable": true
                          },
                          "accountType": {
                            "type": "string",
                            "description": "Type of bank account",
                            "example": null,
                            "nullable": true
                          }
                        }
                      },
                      "token": {
                        "type": "string",
                        "description": "Token value when using tokenized payment methods",
                        "example": null,
                        "nullable": true
                      },
                      "address": {
                        "type": "object",
                        "description": "Billing address. When present, the address will be verified with the payment method (AVS).",
                        "example": null,
                        "nullable": true,
                        "properties": {
                          "id": {
                            "type": "string",
                            "description": "Unique identifier for this address. Provide when referencing an existing address; omit to create a new one.",
                            "example": null,
                            "nullable": true
                          },
                          "company": {
                            "type": "string",
                            "description": "The name of the company associated with this address.",
                            "example": null,
                            "nullable": true
                          },
                          "street": {
                            "type": "string",
                            "description": "The first line of the address.",
                            "example": null,
                            "nullable": true
                          },
                          "street2": {
                            "type": "string",
                            "description": "The second line of the address.",
                            "example": null,
                            "nullable": true
                          },
                          "city": {
                            "type": "string",
                            "description": "The city portion of the address.",
                            "example": null,
                            "nullable": true
                          },
                          "stateProvince": {
                            "type": "string",
                            "description": "The state or province code of the address.",
                            "example": null,
                            "nullable": true
                          },
                          "postcodeZip": {
                            "type": "string",
                            "description": "The post code or zip code of the address.",
                            "example": null,
                            "nullable": true
                          },
                          "country": {
                            "type": "string",
                            "description": "The 3 letter ISO standard alpha country code of the address.",
                            "example": null,
                            "nullable": true
                          }
                        }
                      },
                      "method": {
                        "type": "string",
                        "description": "Payment method used for this transaction. Defaults to CARD if not specified.",
                        "example": null,
                        "nullable": true,
                        "enum": [
                          "CARD",
                          "CASH",
                          "CHECK",
                          "ACH"
                        ]
                      }
                    }
                  },
                  "customer": {
                    "type": "object",
                    "description": "Customer information",
                    "example": null,
                    "nullable": true,
                    "properties": {
                      "id": {
                        "type": "string",
                        "description": "Prahsys's unique identifier for the customer",
                        "example": null,
                        "nullable": true
                      },
                      "email": {
                        "type": "string",
                        "description": "The email address of the customer. Must be longer than 3 characters and conform to RFC 2822.",
                        "example": null,
                        "nullable": true
                      },
                      "firstName": {
                        "type": "string",
                        "description": "The customer's first name.",
                        "example": null,
                        "nullable": true
                      },
                      "lastName": {
                        "type": "string",
                        "description": "The customer's last name.",
                        "example": null,
                        "nullable": true
                      },
                      "phone": {
                        "type": "string",
                        "description": "The customer's phone number in E.164 format.",
                        "example": null,
                        "nullable": true
                      },
                      "dateOfBirth": {
                        "type": "string",
                        "description": "The customer's date of birth. Must be in YYYY-MM-DD format.",
                        "example": "1985-06-26",
                        "nullable": true
                      }
                    }
                  }
                }
              }
            }
          }
        }
      },
      "parameters": [
        {
          "in": "path",
          "name": "merchantId",
          "description": "The merchant ID",
          "example": "Z70B874W63DW",
          "required": true,
          "schema": {
            "type": "string"
          }
        },
        {
          "in": "path",
          "name": "paymentId",
          "description": "(optional) string identifier for the payment with max of 40 character. If not provided, one will be auto-generated",
          "example": "PAYMENT-Z70B874W63DW-123456",
          "required": true,
          "schema": {
            "type": "string"
          }
        }
      ]
    }
  }
}
```