> ## Documentation Index
> Fetch the complete documentation index at: https://docs.stableyard.fi/llms.txt
> Use this file to discover all available pages before exploring further.

# Get a payment

> Fetch a Payment and the action it currently needs, if any.

Returns the canonical Payment and its current `nextAction`, if one exists. Only the public `payment_*` identifier is accepted; execution and Payment Session identifiers are internal. The checkout client secret is issued when a receive Payment is created and is not returned by later reads.

See [Status codes](/status-codes) for the Payment lifecycle.


## OpenAPI

````yaml openapi.json GET /v2/payments/{paymentId}
openapi: 3.1.0
info:
  title: Stableyard Partner API
  version: 2.0.0-staging
  x-stableyard-api-version: '2026-09-09'
  x-stableyard-supported-api-versions:
    - '2026-09-09'
  summary: Backend API for UPAs, Payments, activity, and optional financial products.
  description: >

    Use this API from a trusted partner backend with an app ID and app secret.


    ## Recommended integration


    1. Call `GET /v2/partners/config` to verify credentials and discover enabled
    capabilities.

    2. Create a UPA only when your product needs a persistent Stableyard
    account.

    3. Create a receive or send Payment with `POST /v2/payments`.

    4. Redirect a payer to the returned `paymentUrl` or pass the Payment
    credentials to an official Stableyard interface SDK.

    5. Process signed webhooks and fetch the Payment by ID for reconciliation.


    Checkout execution and account-bound browser endpoints are intentionally
    documented in the separate Interfaces & SDKs reference. Console endpoints
    are dashboard implementation details and are not part of the partner
    integration contract.
  x-stableyard-documentation-surface: partner
servers:
  - url: https://prod-api.stableyard.fi
    description: Production
  - url: https://staging-api-v2.stableyard.fi
    description: Staging
  - url: http://localhost:3001
    description: Local
security: []
tags:
  - name: Authentication
    x-displayName: API authentication
    description: Verify your app ID and app secret before calling UPA APIs.
  - name: Accounts
    x-displayName: UPA Accounts
    description: Create Universal Payment Accounts and manage account settings.
  - name: Deposit Addresses
    description: Create reusable receive addresses and verify inbound deposits.
  - name: Identity & KYC
    description: >-
      Verify the UPA email and run provider-neutral identity verification.
      Managed vaults and fiat payment rails use this same verified UPA identity.
  - name: Vaults
    description: >-
      Create Safe/Zodiac controlled stablecoin vaults and manage policy updates
      for accounts.
  - name: Payments
    description: >-
      Create escrow-first payments, issue partner-authenticated send
      instructions or executions, power public checkout, and reconcile
      collection through final account settlement.
  - name: Balances & Transactions
    description: >-
      Read Stableyard-posted financial activity. Balances are ledger projections
      of activity Stableyard processed; they are not live balances of externally
      controlled wallets.
paths:
  /v2/payments/{paymentId}:
    get:
      tags:
        - Payments
      summary: Get payment
      description: >-
        Returns the canonical Payment and its current `nextAction`, if one
        exists. Only the public `payment_*` identifier is accepted; execution
        and Payment Session identifiers are internal. Checkout client secrets
        are issued on receive Payment creation and are not returned by
        subsequent reads.
      operationId: getPayment
      parameters:
        - name: paymentId
          in: path
          required: true
          schema:
            type: string
            pattern: ^payment_[A-Za-z0-9_-]+$
            example: payment_123
          description: >-
            Canonical `payment_*` identifier. Internal execution identifiers are
            never accepted by Partner Payment routes.
        - name: Stableyard-Version
          in: header
          required: false
          schema:
            type: string
            enum:
              - '2026-09-09'
          description: >-
            Optional contract-version assertion. Omit it to use the app
            environment's pinned version. A different supported version is
            accepted only after that environment is explicitly migrated.
      responses:
        '200':
          description: Payment details
          headers:
            Stableyard-Version:
              description: >-
                Effective date-based Stableyard API contract version for this
                response.
              schema:
                type: string
                enum:
                  - '2026-09-09'
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/CanonicalPaymentResponse'
              examples:
                receivePayment:
                  summary: Current receive Payment state
                  value:
                    payment:
                      id: payment_01JY8K4Q6P9A2M7T3W5X8Z1BCR
                      apiVersion: '2026-09-09'
                      intent: receive
                      amountMode: collect_exact
                      status: requires_payment_method
                      offrampStatus: null
                      stage: awaiting_payment
                      operationalState: normal
                      operationalReasonCode: null
                      operationalUpdatedAt: null
                      statusVersion: 1
                      paymentAmount:
                        amount: '25.00'
                        amountAtomic: '25000000'
                        assetType: crypto
                        assetCode: USDC
                        decimals: 6
                        chainId: 42161
                        tokenAddress: '0xaf88d065e77c8cC2239327C5EDb3A432268e5831'
                      participants:
                        - role: recipient
                          accountId: acct_123
                      destination:
                        type: upa
                        accountId: acct_123
                      settlement:
                        type: settlement_destination
                        settlementDestinationId: destination_123
                        destinationType: connected_wallet
                        destinationAddress: '0x1111111111111111111111111111111111111111'
                        chainId: 42161
                        assetCode: USDC
                        tokenAddress: '0xaf88d065e77c8cC2239327C5EDb3A432268e5831'
                        decimals: 6
                      fees:
                        version: 1
                        pricingStatus: quoted
                        platformFeeBps: 50
                        partnerFeeBps: 0
                        platformFeeAmountAtomic: '125000'
                        partnerFeeAmountAtomic: '0'
                        merchantNetAmountAtomic: '24875000'
                      funding: null
                      externalReference: order_1042
                      description: 'Invoice #1042'
                      metadata: {}
                      expiresAt: '2026-08-28T10:10:00.000Z'
                      acceptedAt: null
                      succeededAt: null
                      cancelledAt: null
                      failure: null
                      refundSummary:
                        status: none
                        count: 0
                        requestedAmountAtomic: '0'
                        confirmedAmountAtomic: '0'
                      incidentRecoverySummary:
                        count: 0
                        pendingCount: 0
                        confirmedCount: 0
                        failedCount: 0
                        requiresInterventionCount: 0
                        requestedAmountAtomic: '0'
                        confirmedAmountAtomic: '0'
                      createdAt: '2026-08-28T10:00:00.000Z'
                      updatedAt: '2026-08-28T10:00:00.000Z'
                    nextAction:
                      id: payment_01JY8K4Q6P9A2M7T3W5X8Z1BCR
                      type: payment_method
                      expiresAt: '2026-08-28T10:10:00.000Z'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '403':
          $ref: '#/components/responses/Forbidden'
        '404':
          $ref: '#/components/responses/NotFound'
        '409':
          $ref: '#/components/responses/Conflict'
        '424':
          $ref: '#/components/responses/FailedDependency'
        '429':
          $ref: '#/components/responses/TooManyRequests'
      security:
        - partnerBasicAuth: []
components:
  schemas:
    CanonicalPaymentResponse:
      type: object
      additionalProperties: false
      required:
        - payment
        - nextAction
      properties:
        payment:
          $ref: '#/components/schemas/CanonicalPaymentResource'
        checkout:
          type: object
          additionalProperties: false
          required:
            - paymentUrl
            - clientSecret
            - expiresAt
            - returnUrl
          properties:
            paymentUrl:
              type: string
              format: uri
            clientSecret:
              type: string
              minLength: 32
              maxLength: 512
            expiresAt:
              type: string
              format: date-time
            returnUrl:
              type:
                - string
                - 'null'
              format: uri
        nextAction:
          $ref: '#/components/schemas/CanonicalPaymentNextAction'
    CanonicalPaymentResource:
      type: object
      additionalProperties: false
      required:
        - id
        - apiVersion
        - intent
        - amountMode
        - status
        - offrampStatus
        - stage
        - operationalState
        - operationalReasonCode
        - operationalUpdatedAt
        - statusVersion
        - paymentAmount
        - participants
        - destination
        - settlement
        - fees
        - funding
        - externalReference
        - description
        - metadata
        - expiresAt
        - acceptedAt
        - succeededAt
        - cancelledAt
        - failure
        - refundSummary
        - incidentRecoverySummary
        - createdAt
        - updatedAt
      properties:
        id:
          type: string
          pattern: ^payment_[A-Za-z0-9_-]+$
        apiVersion:
          $ref: '#/components/schemas/StableyardApiVersion'
        intent:
          type: string
          enum:
            - receive
            - send
        amountMode:
          type: string
          enum:
            - collect_exact
            - deliver_exact
        status:
          type: string
          enum:
            - requires_payment_method
            - requires_action
            - processing
            - accepted
            - succeeded
            - failed
            - cancelled
            - expired
          description: >-
            Customer-facing financial lifecycle. Operational recovery never
            regresses a succeeded Payment or replaces this value with
            requires_intervention.
        offrampStatus:
          type:
            - string
            - 'null'
          enum:
            - not_started
            - processing
            - failed
            - refunding
            - refunded
            - succeeded
            - null
          description: >-
            External payout outcome. failed requires a verified terminal payout
            failure after confirmed treasury funding; any pre-funding failure is
            not_started. refunding means an operations recovery has reserved the
            treasury-held source amount for the sending UPA's frozen preferred
            crypto settlement destination, and refunded means that settlement is
            confirmed. Null for other Payment types.
        stage:
          type:
            - string
            - 'null'
          enum:
            - escrow_provisioning
            - awaiting_payment
            - destination_verifying
            - provider_processing
            - quote_pending
            - transaction_broadcast
            - receipt_verifying
            - payment_detected
            - settlement_pending
            - settlement_broadcast
            - settlement_confirming
            - settlement_returned
            - payout_pending
            - payout_processing
            - payout_confirming
            - refund_pending
            - refund_broadcast
            - null
          description: >-
            Current financial-processing stage. Operational review is
            represented separately by operationalState.
        operationalState:
          type: string
          enum:
            - normal
            - retrying
            - requires_intervention
          description: >-
            Operational health of the Payment. requires_intervention means
            Stableyard operations must act; it is not a financial payment
            status.
        operationalReasonCode:
          type:
            - string
            - 'null'
          enum:
            - collection_requires_intervention
            - custody_after_failure
            - duplicate_payment_detected
            - fee_payout_failed
            - fee_payout_requires_intervention
            - fee_payout_retry_scheduled
            - late_payment_received
            - payment_execution_requires_intervention
            - payment_execution_retry_scheduled
            - escrow_provisioning_retry_scheduled
            - payment_session_requires_intervention
            - payout_failed
            - payout_requires_intervention
            - payout_retry_scheduled
            - refund_failed
            - refund_requires_intervention
            - refund_retry_scheduled
            - settlement_failed
            - settlement_requires_intervention
            - settlement_retry_scheduled
            - settlement_unconfirmed
            - null
          description: >-
            Machine-readable operational reason when operationalState is not
            normal.
        operationalUpdatedAt:
          type:
            - string
            - 'null'
          format: date-time
          description: When the operational state or reason last changed.
        statusVersion:
          type: integer
          minimum: 1
        paymentAmount:
          $ref: '#/components/schemas/CanonicalPaymentAmount'
        sourceAmount:
          $ref: '#/components/schemas/CanonicalPaymentAmount'
          description: >-
            Frozen source debit including commercial fees, exposed for Send
            execution to callers permitted to view sender fees.
        participants:
          type: array
          items:
            $ref: '#/components/schemas/CanonicalPaymentParticipant'
          description: >-
            Only participant UPAs owned by the authenticated tenant are
            returned. The array can be empty for creator-only visibility.
        recipientDisplay:
          oneOf:
            - title: Recipient display snapshot
              type: object
              additionalProperties: false
              required:
                - displayName
                - logoUrl
              properties:
                displayName:
                  type: string
                  minLength: 1
                  maxLength: 120
                logoUrl:
                  type:
                    - string
                    - 'null'
                  format: uri
                  maxLength: 2048
            - title: No recipient display snapshot
              type: 'null'
          description: >-
            Immutable payer-facing recipient identity captured when the Payment
            was created.
        destination:
          $ref: '#/components/schemas/CanonicalPaymentDestination'
        settlement:
          description: >-
            Immutable receive-side settlement snapshot. Null for Payment types
            that do not use a receive settlement destination.
          oneOf:
            - $ref: '#/components/schemas/CanonicalPaymentSettlement'
              title: Settlement destination
            - title: No settlement destination
              type: 'null'
        fees:
          oneOf:
            - title: Commercial fee quote pending
              type: object
              additionalProperties: false
              required:
                - version
                - pricingStatus
                - platformFeeBps
                - partnerFeeBps
                - platformFeeAmountAtomic
                - partnerFeeAmountAtomic
                - merchantNetAmountAtomic
              properties:
                version:
                  type:
                    - string
                    - number
                    - 'null'
                pricingStatus:
                  type: string
                  const: quote_pending
                platformFeeBps:
                  type: integer
                  minimum: 0
                  maximum: 10000
                partnerFeeBps:
                  type: integer
                  minimum: 0
                  maximum: 10000
                platformFeeAmountAtomic:
                  type: 'null'
                partnerFeeAmountAtomic:
                  type: 'null'
                merchantNetAmountAtomic:
                  type: 'null'
            - title: Quoted commercial fee snapshot
              type: object
              additionalProperties: false
              required:
                - version
                - pricingStatus
                - platformFeeBps
                - partnerFeeBps
                - platformFeeAmountAtomic
                - partnerFeeAmountAtomic
                - merchantNetAmountAtomic
              properties:
                version:
                  type:
                    - string
                    - number
                    - 'null'
                pricingStatus:
                  type: string
                  const: quoted
                platformFeeBps:
                  type: integer
                  minimum: 0
                  maximum: 10000
                partnerFeeBps:
                  type: integer
                  minimum: 0
                  maximum: 10000
                platformFeeAmountAtomic:
                  type: string
                  maxLength: 80
                  pattern: ^(0|[1-9][0-9]*)$
                partnerFeeAmountAtomic:
                  type: string
                  maxLength: 80
                  pattern: ^(0|[1-9][0-9]*)$
                merchantNetAmountAtomic:
                  type: string
                  maxLength: 80
                  pattern: ^(0|[1-9][0-9]*)$
            - title: Fees unavailable
              type: 'null'
          description: >-
            Commercial fee terms are returned only to the partner that owns
            them. quote_pending exposes frozen BPS but keeps exact monetary
            amounts null until the provider quote is frozen; quoted exposes
            immutable exact atomic amounts, including genuine zero values.
        funding:
          description: >-
            Create-time funding quote for an external fiat send rail. required
            is the exact source amount shown before Vault authorization;
            creation itself does not debit funds or submit the destination
            payout. Null for ordinary receive and direct-send Payments.
          oneOf:
            - $ref: '#/components/schemas/CanonicalExternalQrFunding'
              title: External provider payout funding
            - title: No separate funding collection
              type: 'null'
        externalReference:
          type:
            - string
            - 'null'
        description:
          type:
            - string
            - 'null'
        metadata:
          type: object
          additionalProperties: true
        expiresAt:
          type:
            - string
            - 'null'
          format: date-time
        acceptedAt:
          type:
            - string
            - 'null'
          format: date-time
        succeededAt:
          type:
            - string
            - 'null'
          format: date-time
        cancelledAt:
          type:
            - string
            - 'null'
          format: date-time
        failure:
          oneOf:
            - title: Failure details
              type: object
              additionalProperties: false
              required:
                - code
                - message
              properties:
                code:
                  type:
                    - string
                    - 'null'
                message:
                  type:
                    - string
                    - 'null'
            - title: No failure
              type: 'null'
        refundSummary:
          $ref: '#/components/schemas/CanonicalPaymentRefundSummary'
        incidentRecoverySummary:
          $ref: '#/components/schemas/CanonicalPaymentIncidentRecoverySummary'
        createdAt:
          type: string
          format: date-time
        updatedAt:
          type: string
          format: date-time
    CanonicalPaymentNextAction:
      title: Payment next action
      description: >-
        The exact action the caller must complete. Null means Stableyard needs
        no action from the partner right now.
      oneOf:
        - title: Action required
          type: object
          additionalProperties: false
          required:
            - id
            - type
            - expiresAt
          properties:
            id:
              type: string
            type:
              type: string
              enum:
                - transaction
                - managed_authorization
                - payment_method
            expiresAt:
              type:
                - string
                - 'null'
              format: date-time
            depositInstructions:
              $ref: '#/components/schemas/CanonicalPaymentDepositInstructions'
              description: >-
                Present only when type is "transaction" for a collection
                deposit: the exact on-chain payment to make to advance this
                Payment.
        - title: Start account KYC
          type: object
          additionalProperties: false
          required:
            - type
          properties:
            type:
              type: string
              const: start_kyc_session
        - title: Verify UPA email
          type: object
          additionalProperties: false
          required:
            - type
          properties:
            type:
              type: string
              const: verify_account_email
        - title: Complete hosted compliance
          description: >-
            Open this Stableyard-hosted URL as a top-level page. The link uses a
            one-time exchange and asks only for information missing from the
            verified account.
          type: object
          additionalProperties: false
          required:
            - type
            - url
            - expiresAt
          properties:
            type:
              type: string
              const: complete_compliance
            url:
              type: string
              format: uri
            expiresAt:
              type: string
              format: date-time
        - title: Wait for partner KYC
          type: object
          additionalProperties: false
          required:
            - type
          properties:
            type:
              type: string
              const: wait_for_partner_kyc
        - title: Contact support
          type: object
          additionalProperties: false
          required:
            - type
          properties:
            type:
              type: string
              const: contact_support
        - title: No provider action
          type: object
          additionalProperties: false
          required:
            - type
          properties:
            type:
              type: string
              const: none
        - title: No action required
          type: 'null'
    ErrorResponse:
      type: object
      additionalProperties: false
      required:
        - error
      properties:
        error:
          type: object
          additionalProperties: false
          required:
            - code
            - message
          properties:
            code:
              type: string
              minLength: 1
              maxLength: 128
              example: bad_request
            message:
              type: string
              minLength: 1
              maxLength: 1000
              example: The request is invalid
            details: {}
    StableyardApiVersion:
      type: string
      enum:
        - '2026-08-28'
        - '2026-09-09'
      example: '2026-09-09'
      description: >-
        Immutable date-based contract recorded on the resource. Historical
        values may appear on existing records; only versions advertised in
        x-stableyard-supported-api-versions are accepted for new requests.
    CanonicalPaymentAmount:
      type: object
      additionalProperties: false
      required:
        - amount
        - amountAtomic
        - assetType
        - assetCode
        - decimals
      properties:
        amount:
          type: string
          minLength: 1
          maxLength: 100
          pattern: ^(0|[1-9][0-9]*)(\.[0-9]{1,18})?$
          example: '50.00'
        amountAtomic:
          type: string
          minLength: 1
          maxLength: 80
          pattern: ^[1-9][0-9]*$
          example: '50000000'
        assetType:
          type: string
          enum:
            - crypto
            - fiat
        assetCode:
          type: string
          example: USDC
        decimals:
          type: integer
          minimum: 0
          maximum: 36
          example: 6
        chainId:
          type: integer
          minimum: 1
          example: 8453
        tokenAddress:
          type: string
    CanonicalPaymentParticipant:
      type: object
      additionalProperties: false
      required:
        - role
        - accountId
      properties:
        role:
          type: string
          enum:
            - sender
            - recipient
        accountId:
          type: string
          description: >-
            A UPA account belonging to the authenticated organization, app, and
            environment. Participants owned by another tenant are omitted.
    CanonicalPaymentDestination:
      title: Resolved payment destination
      oneOf:
        - title: UPA account
          type: object
          additionalProperties: false
          required:
            - type
            - accountId
          properties:
            type:
              type: string
              const: upa
            accountId:
              type: string
        - title: Payment handle
          type: object
          additionalProperties: false
          required:
            - type
            - paymentHandle
            - accountId
          properties:
            type:
              type: string
              const: payment_handle
            paymentHandle:
              type: string
            accountId:
              type: string
        - title: External crypto wallet
          type: object
          additionalProperties: false
          required:
            - type
            - chainId
            - address
            - assetCode
            - tokenAddress
          properties:
            type:
              type: string
              const: crypto_wallet
            chainId:
              type: integer
              minimum: 1
            address:
              type: string
            assetCode:
              type: string
            tokenAddress:
              type: string
        - title: External merchant QR
          type: object
          additionalProperties: false
          required:
            - type
            - country
            - currency
            - dynamic
            - merchant
          properties:
            type:
              type: string
              const: external_qr
            country:
              type: string
              pattern: ^[A-Z]{2}$
              example: PH
            currency:
              type: string
              pattern: ^[A-Z]{3}$
              example: PHP
            dynamic:
              type: boolean
            merchant:
              oneOf:
                - title: Merchant details
                  type: object
                  additionalProperties: false
                  required:
                    - name
                    - city
                  properties:
                    name:
                      type:
                        - string
                        - 'null'
                    city:
                      type:
                        - string
                        - 'null'
                - title: Merchant details unavailable
                  type: 'null'
        - title: External bank beneficiary
          type: object
          additionalProperties: false
          required:
            - type
            - country
            - currency
            - beneficiary
          properties:
            type:
              type: string
              const: external_bank
            country:
              type: string
              pattern: ^[A-Z]{2}$
              example: VN
            currency:
              type: string
              pattern: ^[A-Z]{3}$
              example: VND
            beneficiary:
              type: object
              additionalProperties: false
              required:
                - accountHolderName
                - accountNumberLast4
                - bankCode
                - bankName
                - country
              properties:
                accountHolderName:
                  type:
                    - string
                    - 'null'
                  maxLength: 200
                accountNumberLast4:
                  type:
                    - string
                    - 'null'
                  pattern: ^[A-Za-z0-9]{4}$
                bankCode:
                  type:
                    - string
                    - 'null'
                  maxLength: 64
                bankName:
                  type:
                    - string
                    - 'null'
                  maxLength: 200
                country:
                  type:
                    - string
                    - 'null'
                  pattern: ^[A-Z]{2}$
        - title: Verified linked bank account
          type: object
          additionalProperties: false
          required:
            - type
            - bankAccountId
            - country
            - currency
            - bankName
            - accountNumberLast4
            - rail
          properties:
            type:
              type: string
              const: bank_account
            bankAccountId:
              type: string
              pattern: ^bank_[A-Za-z0-9_-]{3,59}$
              example: bank_123
            country:
              type: string
              pattern: ^[A-Z]{2}$
              example: US
            currency:
              type: string
              pattern: ^[A-Z]{3}$
              example: USD
            bankName:
              type: string
              minLength: 1
              maxLength: 160
              example: Example Bank
            accountNumberLast4:
              type: string
              pattern: ^[A-Za-z0-9]{4,8}$
              example: '6789'
            rail:
              type: string
              minLength: 1
              maxLength: 64
              example: ach
      discriminator:
        propertyName: type
    CanonicalPaymentSettlement:
      type: object
      additionalProperties: false
      required:
        - type
        - settlementDestinationId
        - destinationType
        - destinationAddress
        - chainId
        - assetCode
        - tokenAddress
        - decimals
      properties:
        type:
          type: string
          enum:
            - settlement_destination
            - crypto_wallet
        settlementDestinationId:
          type:
            - string
            - 'null'
        destinationType:
          type: string
        destinationAddress:
          type: string
        chainId:
          type: integer
          minimum: 1
        assetCode:
          type: string
        tokenAddress:
          type: string
        decimals:
          type: integer
          minimum: 0
          maximum: 36
    CanonicalExternalQrFunding:
      type: object
      additionalProperties: false
      required:
        - required
        - providerPrincipal
        - providerFee
        - platformFee
        - partnerFee
        - totalFees
        - exchangeRate
        - quoteExpiresAt
        - depositAddress
      properties:
        mode:
          type: string
          enum:
            - escrow
            - vault_treasury
          description: >-
            New external payouts use a unique Payment escrow. vault_treasury is
            returned only for legacy direct-funded records that remain under
            reconciliation.
        required:
          $ref: '#/components/schemas/CanonicalFundingAmount'
        providerPrincipal:
          oneOf:
            - $ref: '#/components/schemas/CanonicalFundingAmount'
            - type: 'null'
        providerFee:
          oneOf:
            - $ref: '#/components/schemas/CanonicalFundingAmount'
            - type: 'null'
        platformFee:
          oneOf:
            - $ref: '#/components/schemas/CanonicalFundingAmount'
            - type: 'null'
        partnerFee:
          oneOf:
            - $ref: '#/components/schemas/CanonicalFundingAmount'
            - type: 'null'
        totalFees:
          description: >-
            Total payout fees in the funding asset: providerFee + platformFee
            (Stableyard) + partnerFee (app partner). Already included in
            required; do not add again. Null when fee visibility is restricted
            or a frozen component is unavailable. Excludes any additional fee
            quoted separately by a selected funding method.
          oneOf:
            - $ref: '#/components/schemas/CanonicalFundingAmount'
            - type: 'null'
        exchangeRate:
          description: >-
            Directional rate frozen from the payout quote. One unit of
            baseAssetCode equals rate units of quoteAssetCode.
          oneOf:
            - type: object
              additionalProperties: false
              required:
                - rate
                - baseAssetCode
                - quoteAssetCode
              properties:
                rate:
                  type: string
                  pattern: ^(?=.*[1-9])(?:0|[1-9][0-9]*)(?:\.[0-9]{1,18})?$
                baseAssetCode:
                  type: string
                quoteAssetCode:
                  type: string
            - type: 'null'
        quoteExpiresAt:
          type:
            - string
            - 'null'
          format: date-time
        depositAddress:
          description: >-
            Where the sender must deposit the collection asset before Stableyard
            forwards net proceeds to the provider. Null until the collection
            escrow is provisioned and live.
          oneOf:
            - $ref: '#/components/schemas/CanonicalPaymentDepositInstructions'
            - type: 'null'
    CanonicalPaymentRefundSummary:
      type: object
      additionalProperties: false
      required:
        - status
        - count
        - requestedAmountAtomic
        - confirmedAmountAtomic
      properties:
        status:
          type: string
          enum:
            - none
            - pending
            - partially_refunded
            - refunded
            - failed
            - requires_intervention
        count:
          type: integer
          minimum: 0
        requestedAmountAtomic:
          type: string
          pattern: ^[0-9]+$
        confirmedAmountAtomic:
          type: string
          pattern: ^[0-9]+$
      description: >-
        Aggregate progress for Refund resources attached to this Payment.
        Supported direct receive refunds are created through the Partner API;
        eligible failed external payouts use a separate operations recovery
        after confirmed treasury receipt.
    CanonicalPaymentIncidentRecoverySummary:
      type: object
      additionalProperties: false
      required:
        - count
        - pendingCount
        - confirmedCount
        - failedCount
        - requiresInterventionCount
        - requestedAmountAtomic
        - confirmedAmountAtomic
      properties:
        count:
          type: integer
          minimum: 0
        pendingCount:
          type: integer
          minimum: 0
        confirmedCount:
          type: integer
          minimum: 0
        failedCount:
          type: integer
          minimum: 0
        requiresInterventionCount:
          type: integer
          minimum: 0
        requestedAmountAtomic:
          type: string
          pattern: ^[0-9]+$
        confirmedAmountAtomic:
          type: string
          pattern: ^[0-9]+$
      description: >-
        Recovery of duplicate, late, overpaid, or underpaid receipts. These
        amounts never contribute to refundSummary for the accepted merchant
        payment.
    CanonicalPaymentDepositInstructions:
      type: object
      additionalProperties: false
      required:
        - address
        - chainId
        - tokenAddress
        - assetCode
        - decimals
        - amount
        - amountAtomic
      description: >-
        The exact on-chain deposit to make. Send precisely amountAtomic of
        tokenAddress on chainId to address; anything else will not be recognized
        as this Payment's funding.
      properties:
        address:
          type: string
        chainId:
          type: integer
          minimum: 1
        tokenAddress:
          type: string
        assetCode:
          type: string
        decimals:
          type: integer
          minimum: 0
          maximum: 36
        amount:
          type: string
          pattern: ^(0|[1-9][0-9]*)(\.[0-9]{1,18})?$
        amountAtomic:
          type: string
          pattern: ^[0-9]+$
    CanonicalFundingAmount:
      type: object
      additionalProperties: false
      required:
        - amount
        - amountAtomic
        - assetType
        - assetCode
        - decimals
        - chainId
        - tokenAddress
      properties:
        amount:
          type: string
          pattern: ^(0|[1-9][0-9]*)(\.[0-9]{1,18})?$
        amountAtomic:
          type: string
          pattern: ^[0-9]+$
        assetType:
          type: string
          const: crypto
        assetCode:
          type: string
        decimals:
          type: integer
          minimum: 0
          maximum: 36
        chainId:
          type: integer
          minimum: 1
        tokenAddress:
          type: string
  responses:
    BadRequest:
      description: Bad request
      headers:
        Stableyard-Version:
          description: >-
            Effective date-based Stableyard API contract version for this
            response.
          schema:
            type: string
            enum:
              - '2026-09-09'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorResponse'
          examples:
            example:
              summary: BadRequest response
              value:
                error:
                  code: bad_request
                  message: The request is invalid
                  details: example
    Unauthorized:
      description: Unauthorized
      headers:
        Stableyard-Version:
          description: >-
            Effective date-based Stableyard API contract version for this
            response.
          schema:
            type: string
            enum:
              - '2026-09-09'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorResponse'
          examples:
            example:
              summary: Unauthorized response
              value:
                error:
                  code: bad_request
                  message: The request is invalid
                  details: example
    Forbidden:
      description: The app secret does not include the required scope
      headers:
        Stableyard-Version:
          description: >-
            Effective date-based Stableyard API contract version for this
            response.
          schema:
            type: string
            enum:
              - '2026-09-09'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorResponse'
          examples:
            example:
              summary: Forbidden response
              value:
                error:
                  code: bad_request
                  message: The request is invalid
                  details: example
    NotFound:
      description: Not found
      headers:
        Stableyard-Version:
          description: >-
            Effective date-based Stableyard API contract version for this
            response.
          schema:
            type: string
            enum:
              - '2026-09-09'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorResponse'
          examples:
            example:
              summary: NotFound response
              value:
                error:
                  code: bad_request
                  message: The request is invalid
                  details: example
    Conflict:
      description: Conflict
      headers:
        Stableyard-Version:
          description: >-
            Effective date-based Stableyard API contract version for this
            response.
          schema:
            type: string
            enum:
              - '2026-09-09'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorResponse'
          examples:
            example:
              summary: Conflict response
              value:
                error:
                  code: bad_request
                  message: The request is invalid
                  details: example
    FailedDependency:
      description: Required chain, network, or provider configuration is missing
      headers:
        Stableyard-Version:
          description: >-
            Effective date-based Stableyard API contract version for this
            response.
          schema:
            type: string
            enum:
              - '2026-09-09'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorResponse'
          examples:
            example:
              summary: FailedDependency response
              value:
                error:
                  code: bad_request
                  message: The request is invalid
                  details: example
    TooManyRequests:
      description: >-
        Rate limit, payment-option limit, selection cooldown, or temporary abuse
        block
      headers:
        Stableyard-Version:
          description: >-
            Effective date-based Stableyard API contract version for this
            response.
          schema:
            type: string
            enum:
              - '2026-09-09'
        Retry-After:
          description: Seconds until the caller should retry.
          schema:
            type: integer
            minimum: 1
        RateLimit-Limit:
          description: Quota for the most constrained policy.
          schema:
            type: integer
            minimum: 1
        RateLimit-Remaining:
          description: Requests remaining in that policy window.
          schema:
            type: integer
            minimum: 0
        RateLimit-Reset:
          description: Seconds until that policy window resets.
          schema:
            type: integer
            minimum: 0
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorResponse'
          examples:
            example:
              summary: TooManyRequests response
              value:
                error:
                  code: bad_request
                  message: The request is invalid
                  details: example
  securitySchemes:
    partnerBasicAuth:
      type: http
      scheme: basic
      description: >-
        HTTP Basic auth. Username is the Stableyard app ID. Password is the app
        secret. The optional Stableyard-Version request header must match the
        environment pin.

````

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