Defacto Financial product API

openapi: 3.2.0
info:
  title: Defacto Accounting Financial product API
  version: v1.0.0
  description: Defacto provides instant, embedded financing for SMBs across Europe. This REST API lets partners onboard borrowers, test eligibility and credit limits, upload business/bank data, create invoices, request and manage loans, handle repayments and recollection, issue and manage credit cards, bill fees, and subscribe to webhooks. Reconstructed by API Evangelist from the per-operation OpenAPI fragments published on Defacto's ReadMe developer portal (developers.getdefacto.com/llms.txt). operationId values are the provider's ReadMe reference slugs; summaries are the reference page titles.
  contact:
    email: contact@getdefacto.com
    url: https://developers.getdefacto.com/
servers:
- url: https://api.getdefacto.com
  description: Production
- url: https://api-sandbox.getdefacto.com
  description: Sandbox
security:
- Bearer: []
tags:
- name: Financial product
paths:
  /borrower/{borrower_id}/financial-products:
    get:
      description: '

        ## List the financial products available to the borrower.


        Financial products are the product against which a borrower can submit loan requests.

        Each come with its own set of rules, and balances (maximum amount available, etc.).

        '
      parameters:
      - in: path
        name: borrower_id
        required: true
        schema:
          type: string
      responses:
        '200':
          description: ''
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/TypedApiPage14'
      security:
      - Bearer: []
      tags:
      - Financial product
      operationId: get_borrower-borrower-id-financial-products
      summary: /borrower/{borrower_id}/financial-products
components:
  schemas:
    InsuranceRiskMitigator:
      properties:
        delay_to_call_insurance_after_chargeback:
          default: null
          description: Delay in hours before calling the insurance provider after a chargeback. If None, insurance is not called after chargeback.
          type:
          - integer
          - 'null'
        delay_to_call_insurance_on_insolvency_procedure_opening:
          default: null
          description: Delay in hours before calling the insurance provider when an insolvency procedure is opened. If None, insurance is not called on insolvency procedure opening.
          type:
          - integer
          - 'null'
        insurance_provider:
          description: The insurance provider to use for risk mitigation
          enum:
          - ALLIANZ_TRADE
          - CREDIT_360
          - SANDBOX
          type: string
        triggers:
          items:
            enum:
            - BORROWER_DEFAULT
            - BORROWER_INSOLVENCY
            type: string
          type: array
      required:
      - insurance_provider
      - triggers
      type: object
    ApiBorrowerFinancialProductFinancialProduct:
      properties:
        configuration:
          $ref: '#/components/schemas/FinancialProductConfiguration'
        name:
          type: string
        product_type:
          enum:
          - CREDIT_CARD_FINANCING
          - DAILLY
          - FLEX_FINANCING
          - INVENTORY_FINANCING
          - INVOICE_BASED_FINANCING
          - PAYABLE
          - PAYABLE_FACTORING
          - RECEIVABLE
          - RECEIVABLE_FACTORING
          - SELL_IN
          - WALLET_FINANCING
          type: string
      required:
      - configuration
      - name
      - product_type
      type: object
    DirectDebitConfiguration:
      properties:
        from_account_details_id:
          default: null
          description: Account that gets debited by the SDD. Can only be None when the DepositingRule debits the borrower (the borrower account is then resolved from the loan). Required for SDD rules debiting a fixed counterparty (e.g. partner).
      type: object
    FPUXConfiguration:
      properties:
        aggregation_scenarios:
          default: null
          items:
            $ref: '#/components/schemas/FinancialProductUxAggregationScenarioConfiguration'
          type:
          - array
          - 'null'
        fp_status_on_manual_review_eligibility:
          default: READY
          enum:
          - BLOCKED
          - CHURN
          - CLOSED_BY_USER
          - CREATED
          - CUT
          - DEACTIVATED
          - PENDING_USER_ACTION
          - PRODUCT_DISCONTINUED
          - READY
          - TO_SIGN
          type: string
        loan_request:
          $ref: '#/components/schemas/FPLoanRequestConfiguration'
      type: object
    FinancialProductTcsDocument:
      properties:
        country:
          default: null
          enum:
          - AUT
          - BEL
          - BGR
          - CHE
          - CYP
          - CZE
          - DEU
          - DNK
          - ESP
          - EST
          - FIN
          - FRA
          - GBR
          - GRC
          - GUF
          - HRV
          - HUN
          - IRL
          - ISL
          - ITA
          - LTU
          - LUX
          - LVA
          - MAF
          - MLT
          - NLD
          - POL
          - PRT
          - REU
          - ROU
          - SVK
          - SVN
          - SWE
          - null
          type:
          - string
          - 'null'
        document_url:
          type: string
        is_default:
          default: false
          type: boolean
        language:
          default: null
          type:
          - string
          - 'null'
      required:
      - document_url
      type: object
    FinancialProductUxAggregationScenarioConfiguration:
      properties:
        payment_aggregation_scenario:
          default: null
          description: Processing type for aggregation scenario
          enum:
          - MERGE_ONLY
          - NET_THEN_MERGE
          - null
          type:
          - string
          - 'null'
        payment_aggregation_timing:
          default: null
          description: When does the aggregation happens
          enum:
          - DAILY
          - LOAN_SCHEDULE
          - null
          type:
          - string
          - 'null'
        payment_types_to_net_and_merge:
          default: null
          description: If payment_aggregation_scenario is NET_AND_MERGE, this should contain the list of payment types
          items:
            enum:
            - CHANNEL_VERIFICATION
            - CHARGEBACK
            - DEPOSIT_FUNDING
            - DEPOSIT_RELEASE
            - DEPOSIT_WITHDRAWAL
            - EXTRA
            - INTERNAL
            - LENDER_DEBT_RESOLUTION
            - LENDER_PREFUNDING
            - LENDER_REPURCHASE
            - LOAN_PAYMENT
            - LOAN_PURCHASE
            - PAYMENT_PROVIDER_FEES
            - PLATFORM
            - REFUND
            - REPAYMENT_FEES
            - REPAYMENT_FULL
            - REPAYMENT_NOMINAL
            - RETURNED
            - REVENUE_SHARE
            - REVERT
            - SUBSCRIPTION
            type: string
          type:
          - array
          - 'null'
      type: object
    AutomaticSigner:
      properties:
        email:
          type: string
        first_name:
          type: string
        ip_address:
          type: string
        last_name:
          type: string
      required:
      - email
      - first_name
      - ip_address
      - last_name
      type: object
    FinancialProductContractTemplate:
      properties:
        country_code:
          type: string
        is_default:
          default: false
          type: boolean
        language_code:
          type: string
        signature_config:
          allOf:
          - $ref: '#/components/schemas/SignatureConfig'
          default: null
        template_id:
          type: string
      required:
      - country_code
      - language_code
      - template_id
      type: object
    SigningField:
      properties:
        height:
          default: null
          type:
          - integer
          - 'null'
        mention:
          default: null
          type:
          - string
          - 'null'
        page:
          type: integer
        position_x:
          type: integer
        position_y:
          type: integer
        type:
          default: signature
          enum:
          - mention
          - signature
        width:
          type: integer
      required:
      - page
      - position_x
      - position_y
      - width
      type: object
    SignatureConfig:
      properties:
        automatic_signer:
          allOf:
          - $ref: '#/components/schemas/AutomaticSigner'
          default: null
        contract_template_name:
          enum:
          - DAILLY_CREDIT_AGREEMENT_TEMPLATE
          - DAILLY_ESCOMPTE_TEMPLATE
          - DIRECT_MASTER_LOAN_AGREEMENT_TEMPLATE
          - TERMS_AND_CONDITIONS
          type: string
        signing_fields:
          items:
            $ref: '#/components/schemas/SigningField'
          type: array
      required:
      - contract_template_name
      - signing_fields
      type: object
    DepositingRule:
      properties:
        base_amount:
          enum:
          - DUE_INTERESTS
          - ESTIMATED_FEES
          - FIXED_AMOUNT
          - LOAN_AMOUNT
          - LOAN_AMOUNT_WITH_DUE_INTERESTS
          - LOAN_AMOUNT_WITH_ESTIMATED_FEES
          type: string
        depositor_role:
          enum:
          - BENEFICIARY
          - BORROWER
          - FEES_PAYER
          - PARTNER
          type: string
        payment_method:
          $ref: '#/components/schemas/PaymentMethodConfiguration'
        purpose:
          enum:
          - FEES_DEPOSIT
          - GUARANTEE_DEPOSIT
          - RECOLLECTION_FEES_DEPOSIT
          type: string
        value:
          type: string
      required:
      - base_amount
      - depositor_role
      - purpose
      - value
      type: object
    TypedApiPage14:
      properties:
        count:
          type: integer
        data:
          items:
            $ref: '#/components/schemas/ApiBorrowerFinancialProduct'
          type: array
        next_page:
          default: null
          type:
          - string
          - 'null'
        page_size:
          type: integer
        previous_page:
          default: null
          type:
          - string
          - 'null'
        total:
          default: null
          type:
          - integer
          - 'null'
      required:
      - count
      - page_size
      type: object
    RiskMitigationConfig:
      properties:
        automatically_compute_and_deploy_max_exposure_frequency_in_days:
          default: null
          type:
          - integer
          - 'null'
        guarantee_configs:
          default: null
          description: List of guarantee configurations with optional conditions to match loans
          items:
            $ref: '#/components/schemas/LoanGuaranteeConfiguration'
          type:
          - array
          - 'null'
        insurance_config:
          allOf:
          - $ref: '#/components/schemas/InsuranceRiskMitigator'
          default: null
          description: Configuration for insurance-based risk mitigation
        invoice_collateralization_config:
          allOf:
          - $ref: '#/components/schemas/InvoiceCollateralizationRiskMitigator'
          default: null
          description: Configuration for invoice collateralization-based risk mitigation
      type: object
    InvoiceCollateralizationRiskMitigator:
      properties:
        triggers:
          items:
            enum:
            - BORROWER_DEFAULT
            - BORROWER_INSOLVENCY
            type: string
          type: array
      required:
      - triggers
      type: object
    FPLoanRequestConfiguration:
      properties:
        display_available_balance:
          default: true
          type: boolean
        mandatory_options:
          items:
            enum:
            - beneficiaries
            - contract
            - counterparty
            - payable_invoice
            - payment_terms
            - receivable_invoice
            type: string
          type: array
        maximum_duration_in_days:
          default: 120
          type: integer
        maximum_loan_amount_in_cents:
          default: 20000000
          type: integer
        minimum_duration_in_days:
          default: 3
          type: integer
      type: object
    FinancialProductConfiguration:
      properties:
        billing:
          $ref: '#/components/schemas/FinancialProductBillingConfiguration'
        contract_generation_settings:
          allOf:
          - $ref: '#/components/schemas/ContractGenerationSettings'
          default: null
        contract_templates:
          default: null
          items:
            $ref: '#/components/schemas/FinancialProductContractTemplate'
          type:
          - array
          - 'null'
        contract_type:
          default: CREDIT_OPERATION
          enum:
          - CREDIT_OPERATION
          - CREDIT_OPERATION_WITH_TRADE_RECEIVABLE_GUARANTEE
          - EQUITY_LOAN
          - TRADE_RECEIVABLE
          type: string
        depositing_rules:
          default: null
          items:
            $ref: '#/components/schemas/DepositingRule'
          type:
          - array
          - 'null'
        installments:
          $ref: '#/components/schemas/FinancialProductInstallmentsConfiguration'
        risk_mitigation_config:
          allOf:
          - $ref: '#/components/schemas/RiskMitigationConfig'
          default: null
        subscription:
          $ref: '#/components/schemas/SubscriptionConfig'
        tcs_documents:
          default: null
          items:
            $ref: '#/components/schemas/FinancialProductTcsDocument'
          type:
          - array
          - 'null'
        ux:
          $ref: '#/components/schemas/FPUXConfiguration'
      type: object
    ApiBorrowerFinancialProduct:
      properties:
        amount_outstanding:
          default: null
          type:
          - integer
          - 'null'
        amount_pending_validation:
          default: null
          type:
          - integer
          - 'null'
        available_amount:
          default: null
          type:
          - integer
          - 'null'
        borrower_id:
          format: uuid
          type: string
        can_request_loan:
          type: boolean
        fees_daily_rate:
          default: null
          type:
          - number
          - 'null'
        financial_product:
          $ref: '#/components/schemas/ApiBorrowerFinancialProductFinancialProduct'
        id:
          format: uuid
          type: string
        max_amount:
          default: null
          type:
          - integer
          - 'null'
        status:
          enum:
          - BLOCKED
          - CHURN
          - CLOSED_BY_USER
          - CREATED
          - CUT
          - DEACTIVATED
          - PENDING_USER_ACTION
          - PRODUCT_DISCONTINUED
          - READY
          - TO_SIGN
          type: string
        status_reason:
          default: null
          enum:
          - ACTIVITY_DOCUMENTS_REQUIRED
          - ACTIVITY_NOT_ELIGIBLE_BORROWER
          - ALREADY_USING_FACTORING_OR_DAILLY
          - AMOUNT_SUPERIOR_TO_AVAILABLE_BALANCE
          - AVERAGE_INVOICE_SIZE_TOO_HIGH
          - BLACKLISTED_FACTORED_COUNTERPARTY
          - BORROWER_AND_COUNTERPARTY_HAVE_COMMON_DIRECTOR
          - BORROWER_CHURNED
          - BORROWER_DEFAULTED
          - BORROWER_STATUS
          - BORROWER_TO_SIGN
          - BUSINESS_AGE_BELOW_THRESHOLD
          - BUSINESS_AML_EXTREME_RISK
          - BUSINESS_COMPLIANCE_ISSUE_DETECTED
          - BUSINESS_HARD_COLLECTION
          - BUSINESS_HAS_NO_PROFESSIONAL_EMAIL
          - BUSINESS_INSOLVENCY_PROCEDURE_EXISTS
          - BUSINESS_INSOLVENCY_PROCEDURE_UNKNOWN_STATUS
          - BUSINESS_LEGAL_FORM_NOT_ELIGIBLE
          - BUSINESS_MISSING_INFORMATION
          - BUSINESS_NOT_DIFFUSIBLE
          - BUSINESS_NOT_REGISTERED
          - BUSINESS_NOT_REGISTERED_TO_RCS
          - BUSINESS_NOT_REGISTERED_TO_RCS_OR_RNE
          - BUSINESS_RADIATED
          - BUSINESS_REGION_NOT_COVERED
          - BUSINESS_UNKNOWN
          - BUSINESS_UNKNOWN_BUYER
          - BUSINESS_UNKNOWN_SELLER
          - CAPPING_EXCEEDED
          - CASHED_IN_NOT_REPAID
          - CCSF_TRANSACTION_DETECTED
          - CCSF_TRANSACTION_PENDING_DATA_REQUEST
          - CCSF_TRANSACTION_WAITING_END_INSTALLMENT_PLAN
          - COUNTERPARTY_DATA_MISSING
          - COUNTERPARTY_INSOLVENCY_PROCEDURE_EXISTS
          - COUNTERPARTY_INSOLVENCY_PROCEDURE_UNKNOWN_STATUS
          - COUNTERPARTY_KPI_MISSING
          - COUNTERPARTY_NOT_REGISTERED
          - COUNTERPARTY_NOT_SELECTED_FOR_FINANCING
          - COUNTRY_CAPPING_EXCEEDED
          - COUNTRY_NOT_ELIGIBLE_BORROWER
          - COUNTRY_NOT_ELIGIBLE_COUNTERPARTY
          - CREDIT_RISK_NOT_ELIGIBLE
          - CREDIT_RISK_NOT_ELIGIBLE_COUNTERPARTY
          - DATA_STILL_REFRESHING
          - DEBT_ARREARS_PENDING_GRACE_PERIOD
          - DEPRECATED_LATE_REPAYMENT
          - DOES_NOT_MATCH_ELIGIBILITY_CRITERIA
          - DOUBLE_MOBILIZATION
          - DPD_15_LATE_REPAYMENT_BORROWER
          - DPD_15_LATE_REPAYMENT_BUYER
          - DPD_15_LATE_REPAYMENT_SELLER
          - ELLISPHERE_RISK_INDEX
          - EXCEEDED_PARTNER_CREDIT_LINE
          - EXCESSIVE_AMOUNT_LOAN_REQUEST
          - EXCESSIVE_DURATION_LOAN_REQUEST
          - EXPOSURE_TOO_OLD
          - FILL_INVOICE_BUYER_INFORMATION
          - FILL_INVOICE_SELLER_INFORMATION
          - FINANCIAL_PRODUCT_DEACTIVATED
          - FINANCIAL_PRODUCT_NOT_IN_RELEASE
          - FINANCIAL_STATEMENT_BAD_KPI
          - FINANCIAL_STATEMENT_PARSING_ISSUE
          - HIGH_BUSINESS_RISK_INDEX
          - HIGH_LOAN_DEFAULT_INDEX
          - HIGH_LYSTA_RISK_INDEX
          - INDUSTRY_CODE_NOT_ELIGIBLE_BORROWER
          - INDUSTRY_CODE_NOT_ELIGIBLE_COUNTERPARTY
          - INSOLVENCY_EARLY_SIGNAL_DETECTED
          - INSOLVENCY_PROCEDURE_EXISTS_BORROWER
          - INSOLVENCY_PROCEDURE_EXISTS_BUYER
          - INSOLVENCY_PROCEDURE_EXISTS_SELLER
          - INSTALLMENT_PLAN_DETECTED_FOR_TAX
          - INSTALLMENT_PLAN_DETECTED_FOR_URSSAF
          - INSURANCE_QUOTE_EXPIRED
          - INVOICE_ALREADY_FINANCED
          - INVOICE_AUTO_LIQUIDATION
          - INVOICE_BLACKLIST_WORDS
          - INVOICE_COMPLIANCE_ISSUE_DETECTED
          - INVOICE_DOES_NOT_MATCH_ELIGIBILITY_CRITERIA
          - INVOICE_LME_NON_COMPLIANT
          - INVOICE_MISSING_ACCOUNT_NUMBER
          - INVOICE_MISSING_LEGAL_MENTION
          - INVOICE_MULTIPLE_STAGE
          - INVOICE_NON_ELIGIBLE_USE_CASE
          - INVOICE_NOT_ELIGIBLE_TO_CREDIT_INSURANCE
          - INVOICE_NOT_ISSUED_YET
          - INVOICE_NOT_RELATED_TO_WCR
          - INVOICE_OVERDUE
          - INVOICE_PAYABLE_BORROWER_IS_ACCOUNT_HOLDER
          - INVOICE_RECEIVABLE_ACCOUNT_MISSING_LIVE_CONNECTION
          - INVOICE_RECEIVABLE_ACCOUNT_MISSING_MANDATE
          - INVOICE_RECEIVABLE_BORROWER_IS_NOT_ACCOUNT_HOLDER
          - INVOICE_REPAYMENT_DATE_TOO_FAR_60D
          - KPI_MISSING
          - KPI_SCREENING_NOT_ELIGIBLE_BORROWER
          - KYB_PENDING
          - KYB_PENDING_USER_ACTION
          - KYC_PENDING
          - KYC_PENDING_USER_ACTION
          - LATE_REPAYMENT_BORROWER
          - LEGAL_FORM_NOT_ELIGIBLE_BORROWER
          - LEGAL_FORM_NOT_ELIGIBLE_BUYER
          - LEGAL_FORM_NOT_ELIGIBLE_COUNTERPARTY
          - LINKED_BUSINESS_IS_BLOCKED
          - LOAN_REQUEST_EXPIRED
          - LOW_CASH_BALANCE
          - LOW_FREE_CASH_FLOW
          - MAX_AMOUNT_EXCEEDED
          - MAX_AMOUNT_EXCEEDED_BORROWER
          - MAX_AMOUNT_EXCEEDED_BUYER
          - MAX_AMOUNT_EXCEEDED_SELLER
          - MISSING_COUNTERPARTY_CONTACT_INFORMATION
          - MISSING_PUBLIC_PROCUREMENT_DOCUMENT
          - NEED_BANKING_INTEGRATION
          - NOT_AN_INVOICE
          - NOT_DIFFUSIBLE_BUYER
          - NOT_DIFFUSIBLE_SELLER
          - NOT_ENOUGH_DATA
          - NOT_PRE_ELIGIBLE_SPV
          - NOT_REGISTERED_BUYER
          - NOT_REGISTERED_SELLER
          - NO_TAX_PAYMENT_FOUND
          - NO_URSSAF_PAYMENTS_FOUND
          - NO_URSSAF_PAYMENT_FOUND
          - OFFBOARDED
          - ORANGE_FLAG_TRANSACTIONS
          - OTHER_BUSINESS_FROM_DIRECTOR_HAS_INSOLVENCY_PROCEDURE
          - OUTDATED_DATA
          - OUTDATED_INVOICE
          - OUTDATED_INVOICE_2WEEKS
          - OUTDATED_INVOICE_3WEEKS
          - OVERDRAFT_REQUIRED
          - PLEASE_RECONNECT_BANK_ACCOUNTS
          - POSTAL_CODE_NOT_ELIGIBLE_BORROWER
          - POSTAL_CODE_NOT_ELIGIBLE_COUNTERPARTY
          - PROACTIVE_RECOLLECTION
          - PRUDENTIAL_EXPOSURE_EXCEEDED
          - QONTO_INTEGRATION_GERMAN_USER_DOES_NOT_HAVE_4_MONTHS_OF_HISTORY
          - QONTO_INTEGRATION_USER_DOES_NOT_HAVE_6_MONTHS_OF_HISTORY
          - QONTO_INTEGRATION_USER_DOES_NOT_MEET_MINIMUM_REQUIREMENT_FOR_CREDIT_LINE
          - RECENT_DEBT_ARREARS_KO
          - RECENT_DEBT_ARREARS_PENDING_DATA_REQUEST
          - RECENT_REVENUE_DROP
          - RECENT_SEIZURE_DETECTED
          - RECENT_TAX_ARREARS_PENDING_DATA_REQUEST
          - RECENT_UNPAID_PRIVILEGED_TRANSACTIONS
          - RECENT_UNPAID_PRIVILEGED_TRANSACTIONS_PENDING_DATA_REQUEST
          - RECENT_URSSAF_ARREARS_PENDING_DATA_REQUEST
          - RED_FLAG_TRANSACTIONS
          - RELATED_COUNTERPARTY_HAS_FLAG
          - RELATED_COUNTERPARTY_IS_LATE
          - REMOVED_FROM_COMMERCIAL_REGISTER_BORROWER
          - REMOVED_FROM_COMMERCIAL_REGISTER_BUSINESS
          - REMOVED_FROM_COMMERCIAL_REGISTER_BUYER
          - REMOVED_FROM_COMMERCIAL_REGISTER_SELLER
          - REPAYMENT_CONCENTRATION_IS_TOO_HIGH
          - REQUIRED_FINANCIAL_STATEMENT
          - RISK_SCORE_DOWNGRADING
          - SMALL_RECURRING_AMOUNT_DETECTED_FOR_URSSAF
          - TOO_LONG
          - UNAUTHORIZED_LOAN_PAYMENT_ACCOUNT
          - UNAUTHORIZED_LOAN_PAYMENT_ACCOUNT_BANK_IDENTIFIER
          - UNAUTHORIZED_LOAN_PAYMENT_BENEFICIARY
          - URSSAF_PAYMENTS_STOPPED
          - USER_DOES_NOT_MEET_MINIMUM_MAX_AMOUNT_SIZE
          - USER_DOES_NOT_MEET_MINIMUM_REQUIREMENT_FOR_CREDIT_LINE
          - WAITING_FOR_THIRD_PARTY_PROVIDER
          - WAIT_FOR_REPAYMENT
          - null
          type:
          - string
          - 'null'
        unlock_loan_request_link:
          default: null
          type:
          - string
          - 'null'
      required:
      - borrower_id
      - can_request_loan
      - financial_product
      - id
      - status
      type: object
    FinancialProductInstallmentsConfiguration:
      properties:
        available_types:
          items:
            enum:
            - INSTALLMENTS
            - IN_FINE
            type: string
          type: array
        maximum_reschedule_payment_in_days:
          default: 30
          type: integer
        minimum_anticipate_payment_in_days:
          default: 1
          type: integer
        minimum_business_days_until_due_date_to_reschedule_payment:
          default: 1
          type: integer
      type: object
    ContractGenerationSettings:
      properties:
        batch_max_size:
          default: 50
          type: integer
        batch_signature_enabled:
          default: false
          type: boolean
        synchronous_contract_generation:
          default: true
          type: boolean
      type: object
    PaymentMethodConfiguration:
      properties:
        direct_debit:
          allOf:
          - $ref: '#/components/schemas/DirectDebitConfiguration'
          default: null
        payment_method:
          enum:
          - DIRECT_DEBIT
          - SCT
          type: string
        sct:
          allOf:
          - $ref: '#/components/schemas/SctConfiguration'
          default: null
      required:
      - payment_method
      type: object
    GuaranteeCondition:
      properties:
        country:
          default: null
          type:
          - string
          - 'null'
      type: object
    SubscriptionConfig:
      properties:
        monthly_fee_cents:
          default: 0
          type: integer
        sdd_account_detail_id:
          default: null
          format: uuid
          type:
          - string
          - 'null'
      type: object
    FinancialProductBillingConfiguration:
      properties:
        bill_overdue_threshold_in_days:
          default: 4
          type: integer
        fees_payers:
          items:
            $ref: '#/components/schemas/FeesPayerConfig'
          type: array
        loan_overdue_threshold_in_days:
          default: 4
          type: integer
        penalties_disabled:
          default: false
          type: boolean
      type: object
    LoanGuaranteeConfiguration:
      properties:
        conditions:
          items:
            $ref: '#/components/schemas/GuaranteeCondition'
          type: array
        create_extra_payments:
          default: true
          type: boolean
        days_late:
          type: integer
        email_template_id:
          type: string
        frequency:
          default: null
          enum:
          - DAILY
          - WEEKLY
          - null
          type:
          - string
          - 'null'
        from_deposit_account_detail_id:
          default: null
          format: uuid
          type:
          - string
          - 'null'
        from_guarantor_account_detail_id:
          default: null
          format: uuid
          type:
          - string
          - 'null'
        guarantor_id:
          format: uuid
          type: string
        insolvency_procedure_days_late:
          type: integer
        min_days_since_last_chargeback:
          default: 1
          type: integer
        notification_email_addresses:
          items:
            format: email
            type: string
          type: array
        payment_method:
          enum:
          - DIRECT_DEBIT
          - P2P
          - SCT
          type: string
        pdf_template_id:
          type: string
        reference_format_customization:
          default: null
          description: "Customize the guarantee call reference format with this string, using curly brackets to use variables. \nAvailable variables are: \n- guarantee_call_date\n- days_late\n\nExample: 'guarantee-{days_late}-dpd' will produce rev share invoice numbers like 'guarantee-90-dpd"
          type:
          - string
          - 'null'
        schedule_guarantee_call_within_hours:
          type: integer
        to_account_detail_id:
          format: uuid
          type: string
      required:
      - days_late
      - email_template_id
      - guarantor_id
      - insolvency_procedure_days_late
      - notification_email_addresses
      - payment_method
      - pdf_template_id
      - schedule_guarantee_call_within_hours
      - to_account_detail_id
      type: object
    FeesPayerConfig:
      properties:
        billed_business_id:
          default: null
          format: uuid
          type:
          - string
          - 'null'
        fees_payer_role:
          default: PARTNER
          enum:
          - BENEFICIARY
          - BORROWER
          - GUARANTOR
          - PARTNER
          type: string
        interests_tracking_time:
          default: ORIGINATION_DATE
          enum:
          - MONTHLY
          - ORIGINATION_DATE
          type: string
      type: object
    SctConfiguration:
      properties: {}
      type: object
  securitySchemes:
    Bearer:
      in: header
      name: Authorization
      type: apiKey