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OpenAPI Specification

openapi: 3.2.0
info:
  version: 2.6.0
  title: Real Time Payment Credit Transfers Credit Transfers…
  description: Truist Financial APIs for Real Time Payments Credit Transfers per ISO 20022
  contact:
    name: Truist API Support
    url: https://developer.truist.com/contact-us
servers:
- url: https://api-sandbox.truist.com/commercial
  description: Truist Financial Commercial Open Banking APIs - Sandbox environment
- url: https://apicert.truist.com/commercial
  description: Truist Financial Commercial Open Banking APIs - Certification environment
- url: https://api.truist.com/commercial
  description: Truist Financial Commercial Open Banking APIs - Production environment
tags:
- name: Credit Transfers Acknowledge
  description: Credit Transfer Acknowledge for an inbound credit transfer
paths:
  /v2/payments/rtp/credit-transfers/{paymentId}/acknowledgements:
    parameters:
    - $ref: '#/components/parameters/FapiInteractionIdHeader'
    post:
      tags:
      - Credit Transfers Acknowledge
      description: Acknowledge inbound credit transfers
      summary: Post credit transfers acknowledge
      operationId: createRtpPaymentAcknowledgment
      parameters:
      - in: path
        name: paymentId
        required: true
        schema:
          type: string
        description: PaymentId to be acknowledged. The paymentId type should be IB RTP (Inbound Credit Transfer).
        example: 202403216917266289BTOV5600958950
      requestBody:
        description: Acknowledge the real time payment credit transfer request
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/AcknowledgePaymentRequest'
            example:
              message: Ack for IB Credit Send
      responses:
        '200':
          description: OK
          headers:
            x-fapi-interaction-id:
              $ref: '#/components/headers/x-fapi-interaction-id'
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AcknowledgePaymentResponse'
        '400':
          $ref: '#/components/responses/400'
        '401':
          $ref: '#/components/responses/401'
        '403':
          description: Forbidden
          headers:
            x-fapi-interaction-id:
              $ref: '#/components/headers/x-fapi-interaction-id'
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
              examples:
                INSUFFICIENT_SCOPE:
                  value:
                    code: '403'
                    message: Invalid scope
        '404':
          description: Not Found
          headers:
            x-fapi-interaction-id:
              $ref: '#/components/headers/x-fapi-interaction-id'
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
              examples:
                RESOURCE_NOT_FOUND:
                  value:
                    code: '1101'
                    message: URI does not represent a recognized resource
        '405':
          $ref: '#/components/responses/405'
        '429':
          $ref: '#/components/responses/429'
        '500':
          $ref: '#/components/responses/500'
        '503':
          $ref: '#/components/responses/503'
        '504':
          $ref: '#/components/responses/504'
      security:
      - OAuth:
        - write:payments
components:
  responses:
    '500':
      description: Internal Server Error
      headers:
        x-fapi-interaction-id:
          $ref: '#/components/headers/x-fapi-interaction-id'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
          examples:
            INTERNAL_SERVER_ERROR:
              value:
                code: '500'
                message: We are currently unable to process your request due to a system issue
            UNEXPECTED_ERROR:
              value:
                code: '500'
                message: An unexpected error occurred while processing your request
    '429':
      description: Too Many Requests
      headers:
        x-fapi-interaction-id:
          $ref: '#/components/headers/x-fapi-interaction-id'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
          examples:
            SPIKE_ARREST_VIOLATION:
              value:
                code: '1207'
                message: Too Many Requests
            QUOTA_VIOLATION:
              value:
                code: '1208'
                message: Quota Violation
    '503':
      description: Service unavailable / system down for maintenance
      headers:
        x-fapi-interaction-id:
          $ref: '#/components/headers/x-fapi-interaction-id'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
          examples:
            SERVICE_UNAVAILABLE:
              value:
                code: '503'
                message: We are currently unable to process your request due to a system issue
    '400':
      description: Bad Request
      headers:
        x-fapi-interaction-id:
          $ref: '#/components/headers/x-fapi-interaction-id'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
          examples:
            INVALID_INPUT_OAS:
              value:
                code: '7021'
                message: Specify OAS validation error
    '405':
      description: Method Not Allowed
      headers:
        x-fapi-interaction-id:
          $ref: '#/components/headers/x-fapi-interaction-id'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
          examples:
            METHOD_NOT_ALLOWED:
              value:
                code: '1206'
                message: Method Not Allowed
    '401':
      description: Unauthorized
      headers:
        x-fapi-interaction-id:
          $ref: '#/components/headers/x-fapi-interaction-id'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
          examples:
            INVALID_ACCESS_TOKEN:
              value:
                code: '603'
                message: Authentication failed
    '504':
      description: Service Timed out
      headers:
        x-fapi-interaction-id:
          $ref: '#/components/headers/x-fapi-interaction-id'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
          examples:
            GATEWAY_TIMEOUT:
              value:
                code: '504'
                message: An unexpected error occurred while processing your request
  parameters:
    FapiInteractionIdHeader:
      name: x-fapi-interaction-id
      in: header
      description: Unique request Identifier
      required: false
      schema:
        type: string
      example: rrt-970585410023330903-b-gce-821-23397-1
  schemas:
    AcknowledgePaymentResponse:
      title: Payment acknowledgement response
      description: Payment acknowledgement response for credit transfer
      type: object
      properties:
        acknowledgementMessage:
          description: Acknowledgement Response message
          type: string
          example: success
    AcknowledgePaymentRequest:
      title: Payment acknowledgement request
      description: Payment acknowledgement request for credit transfer
      type: object
      properties:
        message:
          type: string
          description: Acknowledgement message to be sent to the sender of money.
    Error:
      title: Error
      description: An error entity which can be used at the API level for error responses or at the account level to indicate a problem specific to a particular account
      type: object
      properties:
        code:
          type: string
          description: Long term persistent identifier which can be used to trace error condition back to log information
        message:
          type: string
          description: End user displayable information which might help the customer diagnose an error
  headers:
    x-fapi-interaction-id:
      description: Unique request identifier
      required: true
      schema:
        type: string
      example: rrt-970585410023330903-b-gce-821-23397-1
  securitySchemes:
    OAuth:
      type: oauth2
      description: The production authorization URL will be provided after the onboarding process is completed.
      flows:
        authorizationCode:
          authorizationUrl: https://api-sandbox.truist.com/commercial/auth/v1/oauth/authorize
          tokenUrl: https://api-sandbox.truist.com/commercial/auth/v2/oauth/token
          scopes:
            read:payments: Scope required to read payment details
            write:payments: Scope required to create or update payments
            read:accounts: Scope required to read accounts information