Citizens Payments API

openapi: 3.0.0
info:
  title: Payments
  x-ibm-name: Payments
  version: 3.1.11
  description: "The Payment API provides authenticated clients with a secure and streamlined way to initiate\
    \ payments and retrieve transaction status programmatically. Designed specifically for ACH and RTP\
    \ payment rails.  The API enforces FAPI-compliant security standards, including OAuth 2.0 with fine-grained\
    \ scopes, and delivers responses in standardized JSON format for seamless, secure integration.\n\n\
    \ The **Payment API** provides the following functionalities:\n \n<br> 1. **Participant Status Inquiry\
    \ API**:\n   - Retrieves the supported status of a financial institution for the specified routing\
    \ number and payment type (ACH or RTP).\n   - **Endpoint**: `v3/payments/participant-status/query`\
    \ (POST)\n   - **Purpose**: To retrieve the payment participant status.\n   \n<br> 2. **Initiate Payment\
    \ API**:\n   -  Submit payment instructions of different payment types (ACH and RTP).\n   - **Endpoint**:\
    \ `v3/payments/initiate-payment` (POST)\n   - **Purpose**: To create payment initiation.\n   \n<br>\
    \ 3. **Transaction Inquiry Status API**:\n   - Retrieves the status of a transaction initiated by\
    \ the payer using the payment ID.\n   - **Endpoint**: `v3/payments/payment-status/query` (POST)\n\
    \   - **Purpose**: To retrieve the transaction status by paymentId and payment type."
  x-pathalias: payments-v3
  contact:
    url: https://www.citizensbank.com/corporate-finance/overview.aspx?cmclmkt#next-step
    name: Commercial Sales team
  x-ibm-summary: ''
  x-source-url: https://developer.citizensbank.com/product/commercial-banking/api/payments-v3
  x-harvested: '2026-09-05'
  x-harvest-method: searched
  x-environment: production
externalDocs:
  description: API Documentation
  url: https://developer.citizensbank.com/content/qut/CitizensPaymentAPIUserGuide.pdf
security:
- client-id: []
paths:
  /participant-status/query:
    post:
      summary: Allows you to retrieve status and basic information of the financial institution based
        on the routing number and payment type.
      description: Retrieves the payment type (WIRE and RTP) supported status of  financial institution
        for the routing number and payment type provided. Additionally, returns the bank name, address
        and availability of participant to do a payment.
      operationId: checkParticipantStatus
      parameters:
      - $ref: '#/components/parameters/x-fapi-trace-id'
      - $ref: '#/components/parameters/x-fapi-channel-id'
      - $ref: '#/components/parameters/authorization'
      requestBody:
        required: true
        description: The request body must include account identifiers and bank identifiers  to initiate
          account inquiry process.
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/ParticipantStatusQuery'
      responses:
        '200':
          description: Successfully retrieved the list of accounts.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ParticipantStatusSummary'
        '204':
          description: No content available.
        '400':
          description: Bad Request.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
        '401':
          description: Unauthorized Access or app-token is not valid.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
        '404':
          description: Record not found or Resource not available .
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
        '500':
          description: Internal server error or any other provider system error.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
  /initiate-payment:
    post:
      summary: Initiates a payment instruction.
      description: Allows consumer to submit payment instructions of different payment types.
      operationId: initiatePayment
      parameters:
      - $ref: '#/components/parameters/x-fapi-trace-id'
      - $ref: '#/components/parameters/x-fapi-channel-id'
      - $ref: '#/components/parameters/authorization'
      requestBody:
        required: true
        description: The request body must include account identifiers and bank identifiers  to initiate
          account inquiry process.
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/PaymentInitiationRequest'
      responses:
        '200':
          description: The operation was successful.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PaymentInitiationResponse'
        '400':
          description: Bad Request.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
        '401':
          description: Unauthorized Access or app-token is not valid.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
        '404':
          description: Resource not found.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
        '500':
          description: Internal server error.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
  /payment-status/query:
    post:
      summary: The Payment Status resource retrieves the status of a transaction initiated by the consumer.
      description: Retrieves the status of a transaction initiated by the payer by sending the payment
        id in the request.
      operationId: retrievePaymentStatus
      parameters:
      - $ref: '#/components/parameters/x-fapi-trace-id'
      - $ref: '#/components/parameters/x-fapi-channel-id'
      - $ref: '#/components/parameters/authorization'
      requestBody:
        required: true
        description: The request body must include account identifiers and bank identifiers  to initiate
          account inquiry process.
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/PaymentStatusRequest'
      responses:
        '200':
          description: The operation was successful.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PaymentStatusResponse'
        '204':
          description: No content available.
        '400':
          description: Bad Request.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
        '401':
          description: Unauthorized Access or app-token is not valid.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
        '404':
          description: Resource not found.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
        '500':
          description: Internal server error.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
components:
  schemas:
    ParticipantStatusQuery:
      type: object
      required:
      - paymentType
      - routingNumber
      properties:
        routingNumber:
          type: string
          example: 21000089
          description: A value that uniquely identifies the Financial Institution. This is a 9 digits
            long ABA number associated with the account.
          minLength: 9
          maxLength: 9
        paymentType:
          type: string
          example: RTP
          description: Describes the type of payment for which the routing number is searched for. Possible
            values that can be passed WIRE - Wire transfers are immediate direct transfers between any
            two financial institutions. RTP - Real-time payments are payments made between bank accounts
            that are initiated, cleared and settled within seconds, at any time of the day or week, holidays
            and weekends included.
          enum:
          - WIRE
          - RTP
    ParticipantStatusSummary:
      type: object
      required:
      - available
      - inNetwork
      - paymentType
      - routingNumber
      properties:
        routingNumber:
          type: string
          example: 21000089
          description: A value that uniquely identifies the Financial Institution. This is a 9 digits
            long ABA number associated with the account.
          minLength: 9
          maxLength: 9
        paymentType:
          type: string
          example: RTP
          description: Describes the type of payment for which the routing number is searched for.Possible
            values WIRE - Wire transfers are immediate direct transfers between any two financial institutions.
            RTP - Real-time payments are payments made between bank accounts that are initiated, cleared
            and settled within seconds, at any time of the day or week, holidays and weekends included.
          maxLength: 4
          enum:
          - WIRE
          - RTP
        inNetwork:
          type: string
          example: 'YES'
          description: Describes the presence of a Financial Institution in clearing network(The Clearing
            House/Fed Wire/Automate Clearing House).
          maxLength: 3
          enum:
          - 'YES'
          - 'NO'
        available:
          type: string
          example: 'YES'
          description: Describes the availability of a Financial Institution to receive payments.
          maxLength: 3
          enum:
          - 'YES'
          - 'NO'
        additionalInformation:
          type: string
          example: The Financial Institution is suspended or signedOff by clearing network
          description: This field is populated only when the value of 'available' field is 'NO'. It contains
            the reason for unavailability of the Financial Institution/participant.
          maxLength: 140
        participantName:
          type: string
          example: Citizens Bank
          description: Name of the participant/Financial Institution registered in the payment clearing
            scheme.
          maxLength: 36
        eligibleServices:
          type: array
          example:
          - CREDIT_TRANSFER
          - REQUEST_FOR_PAYMENT
          - REQUEST_FOR_INFORMATION
          - REMITANCE
          - ACKNOWLEDGMENT
          description: These are the list of eligible services provided/supported by the financial Institution
            for RTP payment type. Possible values are CREDIT_TRANSFER - These are push payments supported
            by the clearing network. REQUEST_FOR_PAYMENT - These are pull payments supported by the clearing
            network. ACKNOWLEDGMENT - Bank is capable of sending a confirmation that the payment has been
            received and settled REMITTANCE - Bank is capable of receiving remittance information like
            the payment has been received and settled REQUEST_FOR_INFORMATION - Bank has capability to
            receive request for information messages. REQUEST_FOR_RETURN_OF_FUND - Bank has capability
            to receive request for return of funds messages.
          uniqueItems: true
          items:
            type: string
          maxItems: 6
          minItems: 1
    PaymentInitiationRequest:
      type: object
      required:
      - amount
      - counterpartyAccountInformation
      - paymentAccountInformation
      - paymentId
      - paymentType
      properties:
        paymentId:
          type: string
          example: MCCSAP20190404A
          description: Unique identifier assigned by the consumer for the payment submission request
          maxLength: 15
        paymentAccountInformation:
          $ref: '#/components/schemas/PaymentAccountInformation'
        counterpartyAccountInformation:
          $ref: '#/components/schemas/CounterpartyAccountInformation'
        amount:
          type: number
          format: double
          example: 100.23
          description: Initiated payment amount for the transaction. Decimal point has to be added in
            the amount sent and it can have maximum 11 digits before the decimal and maximum 2 digits
            after the decimal for RTP transactions. ACH transactions can have maximum 8 digits before
            the decimal and maximum 2 digits after the decimal. The amount for an ACH prenote should be
            sent as zero.
        memo:
          type: string
          example: DIGITAL WALLET PAYMENT- text will be visible to the receiver
          description: Free-form information to be conveyed to the receiver.
          minLength: 1
          maxLength: 140
        paymentType:
          type: string
          example: RTP
          description: The type of transaction being initiated. Possible values are RTP - Real-time payments
            are payments made between bank accounts that are initiated, cleared and settled within seconds,
            at any time of the day or week, holidays and weekends included. ACH_CREDIT - Credit transfers
            done through the Automated Clearing House, a network that allows electronic money transfers
            between banks and credit unions. ACH_DEBIT - Direct debits done through the Automated Clearing
            House, a network that allows electronic money transfers between banks and credit unions.
          maxLength: 10
          enum:
          - RTP
          - ACH_CREDIT
          - ACH_DEBIT
        rtpDetails:
          $ref: '#/components/schemas/RtpDetails'
        achDetails:
          $ref: '#/components/schemas/AchDetails'
    PaymentAccountInformation:
      type: object
      required:
      - accountNumber
      - routingNumber
      properties:
        routingNumber:
          type: string
          example: '2523216'
          description: Client account holder's ABA(routing) number.
          minLength: 9
          maxLength: 9
        accountNumber:
          type: string
          example: '766060252'
          description: Client account holder's account number.
          maxLength: 17
      description: The client party's account details
    CounterpartyAccountInformation:
      type: object
      required:
      - accountNumber
      - routingNumber
      properties:
        routingNumber:
          type: string
          example: 53000196
          description: Counteryparty account holder's ABA(routing) number.
          minLength: 9
          maxLength: 9
        accountNumber:
          type: string
          example: 123456789
          description: Counteryparty account holder's account number.
          maxLength: 17
      description: Counterparty is the crediting bank for RTP and ACH Credit; or debiting bank for ACH
        Debit.
    Debtor:
      type: object
      properties:
        name:
          type: string
          example: JOHN SMITH
          description: Originator or Debtor Account Holder's Name.
          maxLength: 140
        postalAddress:
          $ref: '#/components/schemas/Address'
    UltimateDebtor:
      type: object
      required:
      - name
      properties:
        name:
          type: string
          example: ACME CORP
          description: Name of the ultimate debtor party.
          maxLength: 140
        id:
          type: string
          example: '187658'
          description: Id of the ultimate debtor party.
          maxLength: 35
        postalAddress:
          $ref: '#/components/schemas/Address'
      description: Ultimate debtor (3rd party) details
    UltimateCreditor:
      type: object
      required:
      - name
      properties:
        name:
          type: string
          example: JOHN SMITH
          description: Name of the ultimate creditor party.
          maxLength: 140
        id:
          type: string
          example: '210356'
          description: Id of the ultimate creditor party.
          maxLength: 35
        postalAddress:
          $ref: '#/components/schemas/Address'
      description: Ultimate debtor (3rd party) details
    CounterpartyAddressInformation:
      type: object
      required:
      - name
      properties:
        name:
          type: string
          example: JOHN SMITH
          description: Counteryparty account holder's name.
          maxLength: 140
        id:
          type: string
          example: '187658'
          description: Id assigned to the creditor/counterparty.
          maxLength: 35
        postalAddress:
          $ref: '#/components/schemas/Address'
      description: Counter Party Details. The address information becomes mandatory for RTP transactions
        with payment amount greater than or equal to $3000.
    CounterpartyInformation:
      type: object
      required:
      - counterpartyAccountType
      - counterpartyName
      properties:
        counterpartyAccountType:
          type: string
          example: SAVINGS
          description: 'Specifies the nature of the benificiary account. Values of Account type should
            be either CHECKING or SAVINGS.

            CHECKING - Current Account used to post credits. SAVINGS - Savings Account used to post credits.'
          enum:
          - CHECKING
          - SAVINGS
        counterpartyName:
          type: string
          example: JOHN SMITH
          description: Counterparty account holder's name. The maximum length of the counterparty name
            is 16 for transactions with CTX as the SEC code. The maximum length is 22 for other SEC codes.
          maxLength: 22
      description: Counterparty is the crediting bank for RTP and ACH Credit; or debiting bank for ACH
        Debit.
    RtpDetails:
      type: object
      required:
      - counterpartyAddressInformation
      properties:
        debtor:
          $ref: '#/components/schemas/Debtor'
        ultimateDebtor:
          $ref: '#/components/schemas/UltimateDebtor'
        ultimateCreditor:
          $ref: '#/components/schemas/UltimateCreditor'
        counterpartyAddressInformation:
          $ref: '#/components/schemas/CounterpartyAddressInformation'
      description: This object provides the list of request fields needed to originate a RTP credit transfer.
        This section is driven by the paymentType. This object becomes mandatory for paymentType RTP.
    AchDetails:
      type: object
      required:
      - companyEntryDescription
      - companyIdentification
      - companyName
      - counterpartyInformation
      - effectiveEntryDate
      - standardEntryClassCode
      properties:
        standardEntryClassCode:
          type: string
          example: CCD
          description: Three-character code used to identify types  of entries. Values of Standard Entry
            Class code should be PPD - An entry initiated by an organization to consumer account of the
            receiver where authorization is obtained in writing. WEB - A single, recurring or standing
            authorization for by an organization to a consumer for an ACH debit entry when the internet
            or mobile device is used to initiate the payment. CCD - A single or a recurring ACH credit
            or debit originated to a corporate account. CTX - A single or a recurring ACH credit or debit
            originated to a corporate account that supports up to 9,999 addenda records.
          enum:
          - PPD
          - WEB
          - CCD
          - CTX
        companyIdentification:
          type: string
          example: Achme1234
          description: Used to identify the Originator.  Assigned by the ODFI.
        companyName:
          type: string
          example: Achme
          description: Name of the Originator known and recognized by the Receiver.
        companyDescriptiveDate:
          type: string
          example: 93024
          description: Allows originator to establish for descriptive purpose to identify the date. It
            may or may not be displayed to the receiver.
        effectiveEntryDate:
          type: string
          format: date
          example: '2024-09-30'
          description: This field will enable the originator to specify a banking day controlling the
            settlement of the entries in the batch.
        prenote:
          type: string
          example: 'NO'
          description: A prenote is a zero-dollar payment sent to a bank to verify a recipient's account
            and routing information before sending a live transaction.
        companyDiscretionaryData:
          type: string
          example: DIGIAL WALLET PAYOUT
          description: Allows the company to include information of significance only to you.
          maxLength: 20
        companyEntryDescription:
          type: string
          example: PAYOUT
          description: Allows originator to insert a description of the entry's purpose.
          maxLength: 10
        counterpartyInformation:
          $ref: '#/components/schemas/CounterpartyInformation'
        identificationNumber:
          type: string
          example: MCCSAP20190404B
          description: The number by which the receiver is known to the originator. It is included for
            further identification. If not provided in the request then the paymentId would be passed
            in this field.
          maxLength: 15
        addenda:
          type: array
          example:
          - DIGITAL WALLET PAYMENT
          - INVOICE# 673425
          description: A freeform text field that will travel with the payment instruction to the receiving
            financial institution. Multiple addenda records can be sent only for payments having CTX as
            the SEC code.
          items:
            type: string
        paymentTypeCode:
          type: string
          example: SINGLE
          description: Allows the consumer to include codes of significance to enable specialized handling
            of the entry.
          enum:
          - RECURRING
          - SINGLE
          - STANDING_AUTHORIZATION
      description: This object provides the list of request fields needed to originate an ACH credit/debit
        transfer. This section is driven by the paymentType. This object becomes mandatory for paymentType
        ACH.
    PaymentInitiationResponse:
      type: object
      required:
      - paymentId
      - paymentStatus
      - receivedDateTime
      properties:
        paymentId:
          type: string
          example: M20190404OR
          description: Unique identifier for the payment submission request
          maxLength: 15
        paymentStatus:
          type: string
          example: RECEIVED
          description: Status of the payment instruction.
          maxLength: 30
          enum:
          - RECEIVED
        receivedDateTime:
          format: date
          example: '2024-09-30'
          description: The date and time when the request was received.
      description: Response fields of the ACH Credit transfer initiated.
    PaymentStatusRequest:
      type: object
      required:
      - paymentId
      - paymentType
      properties:
        paymentId:
          type: string
          example: M20190404OR
          description: Unique identifier for the payment submission request.
          maxLength: 15
        paymentType:
          type: string
          example: RTP
          description: The type of transaction that was initiated.
          enum:
          - RTP
          - ACH_CREDIT
          - ACH_DEBIT
      description: Request fields of the Payments Response.
    PaymentStatusResponse:
      type: object
      required:
      - paymentId
      - paymentStatus
      - paymentType
      - receivedDateTime
      - statusDateTime
      properties:
        paymentId:
          type: string
          example: M20190404OR
          description: Unique identifier for the payment submission request.
          maxLength: 15
        paymentType:
          type: string
          example: RTP
          description: The type of transaction that was initiated.
          enum:
          - RTP
          - ACH_CREDIT
          - ACH_DEBIT
        paymentStatus:
          type: string
          example: REJECTED
          description: 'The status of the transaction. Possible values for RTP are RECEIVED - The payment
            has been received for processing. IN_PROGRESS - The payment processing is in progress. COMPLETED
            - The payment has been completed. REJECTED - The payment has been rejected.

            Possible values for ACH are RECEIVED - API payment request received and staged for exported.
            EXPORTED - API payment request exported for backend processing system. ACKNOWLEDGED - Backend
            processing system acknowledged receipt of payment.'
          maxLength: 30
          enum:
          - RECEIVED
          - IN_PROGRESS
          - COMPLETED
          - REJECTED
          - EXPORTED
          - ACKNOWLEDGED
        rejectCode:
          type: string
          example: PMT2005
          description: The rejection code in case the transaction was rejected
        rejectDescription:
          type: string
          example: Debtor account type invalid
          description: The description for the rejection code
        receivedDateTime:
          format: date
          example: '2024-09-30'
          description: The date and time when the payment transaction was received.
        statusDateTime:
          format: date
          example: '2024-09-30'
          description: The date and time when the status was updated.
        bankReferenceNumber:
          type: string
          example: US24100482608794
          description: The bank assigned transaction id.
        networkInstructionId:
          type: string
          example: 20241004011500120T1BUSRT61960896581
          description: The network assigned payment reference number.
      description: Response fields of the Payments Response.
    Address:
      type: object
      required:
      - city
      - line1
      - postalCode
      properties:
        line1:
          type: string
          example: 1 CITIZENS PLAZA
          description: Address line 1, associated with the address.
          maxLength: 70
        line2:
          type: string
          example: SUITE 100
          description: Address line 2, associated with the address.
          maxLength: 70
        city:
          type: string
          example: PROVIDENCE
          description: City.
          maxLength: 35
        postalCode:
          type: string
          example: 2903
          description: Postal Code of address.
          maxLength: 16
        state:
          type: string
          example: RI
          description: State of address.
          minLength: 1
          maxLength: 35
        country:
          type: string
          example: US
          description: Two digit ISO country code of address.
          minLength: 2
          maxLength: 2
          pattern: ^[a-zA-Z]+$
    Error:
      type: object
      required:
      - errorDetails
      - result
      - source
      properties:
        result:
          type: string
          example: FATAL
          description: It represents the error status. Its value should be either WARNING or FATAL. *
            `FATAL` - is an error which represents that something is not correct while processing the
            request. It could be because of the request or something is not correct with the processing
            system. * `WARNING` - is a success with some information which means it is not an absolute
            successful transaction. However response will have information about what is needed in order
            to be an absolute successful transaction.
          maxLength: 7
          enum:
          - FATAL
          - WARNING
        source:
          type: string
          example: Payments System
          description: Source system or provider system which causes error.
          maxLength: 100
        errorDetails:
          type: array
          items:
            $ref: '#/components/schemas/Error_errorDetails'
    Error_errorDetails:
      type: object
      required:
      - code
      - description
      properties:
        code:
          type: string
          example: REQ1001
          description: This is the application error code returned by the API layer or the Implementation
            layer. A list of error codes will be provided in the user guide.
          maxLength: 7
        description:
          type: string
          example: Request Id should not be more than 36 characters long.
          description: Description of the operation's status. It will have detailed error description
            in case of any error.
          maxLength: 250
        messageDetail:
          type: string
          example: Invalid requestId
          description: Details about error including stack traces. This will not be populated for any
            handled error.
          maxLength: 250
    AuthorizationHeader:
      type: string
      title: JWT Access Token
  securitySchemes:
    client-id:
      type: apiKey
      in: header
      name: X-IBM-Client-Id
      x-key-type: client_id
    OAuth2:
      type: oauth2
      x-ibm-oauth-provider: externalpingfederate
      flows:
        clientCredentials:
          tokenUrl: https://pf-fam.internal.citizensbank.com/as/token.oauth2
          scopes:
            ir:read: Access to read IR data
  parameters:
    x-fapi-trace-id:
      schema:
        maxLength: 36
        type: string
      name: x-fapi-trace-id
      in: header
      description: Unique request id for each request to make it traceable if needed.
      style: simple
      required: true
    x-fapi-channel-id:
      schema:
        maxLength: 20
        type: string
      name: x-fapi-channel-id
      in: header
      description: Identifier used to distinguish between different communication channels or data streams
        within a client system.
      style: simple
      required: false
      explode: false
    authorization:
      schema:
        $ref: '#/components/schemas/AuthorizationHeader'
      name: Authorization
      in: header
      description: OAuth 2.0 Authorization Bearer Token
      style: simple
      required: true
      example: Bearer eyJhbGciOiJSUzI1NiIsImtpZCI6IkhMMkQtYVdmaUxVS1BpUHQ5b2lweWNiYXo4WV9SUzI1NiIsInBpLmF0bSI6InphYXciLCJ0eXAiOiJKV1QifQ.eyJzY29wZSI6ImlyOnJlYWQiLCJjaWQiOiIyNzFmYTdkZDI3MDExMTA5Mzc4ZWE5MTU1YzA2ZTcxMSIsImlzcyI6Imh0dHBzOi8vcGYtZmFtLWRldi5pbnRlcm5hbC5jaXRpemVuc2JhbmsuY29tIiwiYXVkIjoiaW5mb3JtYXRpb25fcmVwb3J0aW5nIiwianRpIjoiOHpRMUJVSnlTT0xkWHZmQXJtb1pQSXVpZXBmdkF5WnJwdnc4NVlGY2dDVk1FbyIsInN1YmplY3QiOiJBQ01FLUFQSV9VQVRBTExfTU1HUFMiLCJjbmYiOnsieDV0IjoiOTlmN2Q3ZDQzOGMxZjViMWFiNzc4MDA1YmU3OGNkODY0NDU1YmYyYSJ9LCJleHAiOjE3NTczNTE2NzR9.c6y4ZcVxP8c8dZK8IwMPhVnKkrk7Kyf4h4cUo8GOPxrrR_AYq-59tcO9lzTkr4Kfa5-7q_HbxCV14wUnwz_N1JuehZ5N3wyuJ3wjc2jEfOnto8YwSEhY4qWbFm1TTdU8jqRZMp2KpvBpwa5BKNfjo3t0xAMqQ2til5-1JQHEZyint56OglKq13OzG265jW_RKOhmmmGuTlqDjiC4Mz2AQU-1VZY2i6LZTqKKTr7dvQVy5TKm9-akEkie8s-cXymaQ9Km54-PARdH8orezez8NuJc4LN550m46ulWJ2mNMDs4D9NnKQMr-stla2mQtovU__vNg3WDCvQ8Nrw1db5icA
x-ibm-configuration:
  type: rest
  phase: realized
  enforced: true
  testable: true
  cors:
    enabled: true
  application-authentication:
    certificate: false
servers:
- url: https://apis.citizensbank.com/v3/payments
x-ibm-endpoints:
- url: https://apis.citizensbank.com/v3/payments